Amanqaku aMatyala aBathengi basebenzisa
Amanqaku owathabathele kwi-myFICO, ii-credit bureaus, okanye nayiphi na inxalenye yesithathu eyimilinganiselo yemboleko yemfundo.
La manqaku anikezelwa nje ukukunika umbono malunga nokuma kwekhredithi. Awona awona manqaku ababolekisi basebenzise ngokwenene ukuvunywa kwesicelo sakho.
Ngaphezulu, mhlawumbi uthenge umlinganiselo wesikweletu, ohlanganisa ixabiso lemveliso yeentengo zemboleko. Ababolekisi nababolekisi basebenzise ezinye iinkcukacha zemveliso yeekhredithi ezilungiselelwe uhlobo lwentengo yemboleko oyifakayo. Ngokomzekelo, ababolekisi bemoto ngokuqhelekileyo basebenzisa amanqaku eebredithi ukuba bhetele baqikelele ukuba unokuthi ungayikhokheli ngemboleko yemoto. Ababolekisi bemali-mboleko basebenzisa amanqaku aphuhliswe ngokukodwa kwimali-mboleko yokuboleka imali. Okanye, ikhredithi yakho okanye umboleki-mali unokusebenzisa kwakhona amanqaku okuthenga ngetyala ephuhliselwe ukusetyenziswa kwile nkampani kuphela.
Uninzi lwabalimi baninzi lusebenzisa amanqaku eFICO, kodwa nangona amanqaku owafumanayo nge-myFICO.com ahluke kulokho okubonayo umboleki wakho. Abanye ababolekisi basebenzisa iVantageScore , kodwa kwakhona, inguqu yabo iyahlukileyo neyakho.
Njengomthengi, awukwazi ukufikelela ngokuthe ngqo kuyo nayiphi na umlinganiselo wesikweletu sakho umboleki-mboleko xa uwenza isicelo. Amanqaku atyala umboleki angase ahluke kumnye owawuthetha ngamanye amaxesha ngamanqaku amaninzi, mhlawumbi ngokwaneleyo ukuba akulungele ukufumana intsingiselo enomdla okanye mhlawumbi ukwanele ukuba isicelo sakho siphiwe.
Iingxelo zeNgxelo zeNkcazo zikhokelela kwiiNqanaba ezahlukeneyo
Utshintsho kwingxelo yakho yekhredithi inokuchaza ngokubanzi ukuhluka. Ukuba bekude iintsuku eziliqela okanye iiveki ekubeni ufikelele kumanqaku akho ekhredithi, utshintsho kwirekhodi yengxelo yekredithi yakho lunakho ukukhokelela kumanqaku ahlukeneyo. Yaye ukuba amanqaku owatyebileyo isekelwe kwingxelo yerhafu enye kwaye i-lender isekelwe kwelinye, kuya kuba neyantlukwano ngenxa yokungafani kwedatha phakathi kwezi ngxelo zimbini. Okanye, amanqaku obolekisiweyo asetyenziswayo angase asekelwe kuzo zonke iingxelo ezintathu zeentengo zemboleko.
Umthengisi-Ukufunwa kweeNgxelo zeMboleko
Ukuba umboleki uyayiphika isicelo sakho okanye avumele ukuba ube nemigangatho engcono kakhulu ngenxa yamanqaku akho ekhredithi, ngoko kufuneka ukuba akuthumele ikopi yaloo manqaku emboleko . Ukuba ufaka isicelo sokubambisa imali, umboleki-mboleko kufuneka akunike ikopi yamanqaku ekhredithi asetyenziselwa ukukufumana umboleko.
Khumbula ukuba amanqaku akho ekhredithi asekelwe kwingxelo yakho yekhredithi. Ngaphambi kokufaka isicelo semboleko, hlaziya iingxelo zakho zekhredithi ukuqinisekisa ukuba idatha ngalinye lichanekile. Unakekele ixesha elidlulileyo ngenxa yezilinganiso kunye neziphene ngaphambi kokufaka isicelo sembolekiso ukuba uqiniseke ukuba i-credit yakho isesimo esihle kakhulu.
Ewe, kukuhle ukujonga umvuzo wakho wekredithi ngaphambi kokuba ufake isicelo sokuboleka imali.
Kodwa, ungenzi ingqondo yakho ibekwe kwisantya esithile somyinge okanye nangemvume ebolekileyo yemboleko ngokusekelwe kumanqaku ematyala emfundo. Sebenzisa amanqaku ukulinganisa i-credit rating yakho kwaye ungakhohlwa ukuba ababolekisi bacinga ezinye izinto ngaphandle kwekhredithi yakho .