Musa Ukumangalelwa NgamaKhankathi aMaTshintsho
Ekubeni umlinganiselo wakho wekhredithi usekelwe ngokukodwa kwingxelo yakho yekhredithi , kuyaqondakala ukuba amanqaku akho ekhredithi aya kuguqulwa ngokuphindaphindiweyo ukutshintsha kweengxelo zakho zemali.
Ukufumana into okanye izinto ezenza ukuba amanqaku akho ekhredithi ahambeyo angabi nzima.
Imvelaphi yokuBala iMboleko
Amanqaku akho ekhredithi ngokusisiseko isishwankathelo seenkcukacha zedata yengxelo yekredithi, kodwa isekelwe kwisitatimende sombiko wengxelo yakho yekredithi kwinqanaba elinye ngexesha. Idatha yengxelo yesikweletu yakho iguquka ngokuqhubekayo njengoko amabhizinisi ahlaziya ulwazi lweakhawunti yakho kunye ne-bureaus ye-credit. Ngayiphi na imini enikeziweyo, omnye okanye ngaphezulu wabathengi bakho bangathumela izibuyekezo kumaziko e-credit bureaus. Ukutshintshwa kwamanqaku amancinci amancinci kubonisa ukuba utshintsho olutsha kuphela kwingxelo yakho yekhredithi, into encinci ungayiboni.
Unokubona utshintsho olukhulu kumanqaku akho ekwereta ukuba kukho utshintsho olukhulu kwiakhawunti zakho. Ngokomzekelo, ukuhlawulwa kwexesha elide kunokubangela ukulahla okubonakalayo kwinqanaba lakho lekhredithi. Kuyaqondakala ke ngoko, ekubeni imbali yakho yentlawulo ingama-35% emanqaku akho ekhredithi.
Ezinye izinto ezichaphazela umlinganiselo wakho wekredithi lizinga lakho letyala, 30%; imbali yakho yembali yemboleko, 15%; umxube weeakhawunti kunye nemibuzo yamuva, i-10% nganye.
Ukwazi ukuba, nakhu ezinye izinto ezimbalwa ezinokubangela ukuba amanqaku akho ekhredithi aguqulwe ngokuphawulekayo: ukuthengwa kwekhadi elikhulu lokuthenga ngetyala, ukuvula i-akhawunti entsha, okanye ukongezwa kwe-akhawunti yokuqokelela.
Ikhredithi yakho yekhredithi inokunyuka, nayo. Ukuhlawulwa kwexesha elongezelelweyo, ukunciphisa ukusetyenziswa kwekhredithi , i-akhawunti yokuguga, okanye ukususwa kolwazi olubi kungakhokelela ekuphuculeni kumanqaku akho okwereta.
Ukuba ulinganisa ukuguqulwa kwamanqaku okuthenga ngetyala, kufuneka uqiniseke ukuba ukhangele enye imodeli yokubolekisa ngekhredithi ngokuxhomekeke kwingxelo enye ye-credit. Nangona ufumana ezintathu iingxelo zemali-mboleko ezinkulu, kukho iikholeji ezingenakubalwa ezixhomekeke kwimizekelo esekelwe kwezo ngxelo. Awunakufumana ukulinganisa okufanelekileyo kwendlela yakho yokuthenga ngetyala ehamba ngayo xa ukhangele ngeengxelo ezahlukeneyo zeetyala okanye amanqaku ahlukeneyo.
Indlela eyona ndlela yokujonga umlinganiselo wakho wekhredithi malunga nexesha elifanelekileyo kukusebenzisa amanqaku afanayo kwirekti kwi-ofisi efanayo rhoqo. Iinkonzo ezinjengeKharkKarma.com kunye ne-CreditSesame.com zikunikezela ukubeka iliso kwi-credit score ukuze ukwazi ukubukela lula ukuhamba kwamanqaku akho.
Ngaba Ufanele Uxhalabele?
Amanqaku amancinci amakhredithi ngokuqhelekileyo ayinanto enkulu, ingakumbi ukuba awuyikucwangcisa isicelo sekhadi lesikweletu okanye umboleko naliphi ixesha kungekudala. Nangona kunjalo, ukuphahla okukhulu okungalindelekanga kwinqanaba lakho lekhredithi kuyafaneleka ukuphanda, nangona kunjalo xa uceba isicelo esikhulu semboleko kwiiveki okanye kwiinyanga ezizayo.
Hlola ingxelo yakho yekhredithi ukuze ubone oko kutshintshile kutshanje. Ingaba kukho intlawulo emva kwexesha? Ingabe enye yemingcele yakho yesikweletu yayinqunywe? Ngaba i-akhawunti ivalwe? Ngaba usanda kufaka isicelo sekhredithi entsha?
Amanqaku akho ekhredithi angakhohla ngokungalindelekanga xa ulwazi oluthile olubi luwa phantsi kwengxelo yakho yekhredithi.
Unokwemvelo ulindele ukuba amanqaku akho ekhredithi avuke endaweni yokuwa. Kodwa usenokuba uhambele kwikharityhulam entsha yekredithi, enye apho ungabikho ngaphezu kwabanye abathengi njengawe. Qhubeka ukwenza okulungileyo kwaye ufikelele kumanqaku akho kufuneka aphuculwe ngokuhamba kwexesha .
Ukuguqulwa okungalindelekanga kwinqanaba lakho lekhredithi kungaba ngumqondiso wokukhwabanisa okanye ukwebiwa kwezazisi. Qinisekisa ukuba nayiphi na inguqu enkulu kwiinkcukacha zakho zeengxelo zemboleko zinguqulelo olwenzileyo. Bika i-akhawunti yebuqhetseba kwi-credit bureau kunye nomboleki.