Ulindele ukuba ikhadi lakho lekhredithi liqulethe ii-akhawunti zekredithi endala, mhlawumbi ikhadi lekhredithi oye wayesekholeji okanye mboleko oye uyihlawula kwiminyaka embalwa edlulileyo. Nangona kunjalo, usenokumangaliswa ukufumana iadesi zamandulo kwiingxelo zakho zemali-mboleko, ingakumbi idilesi ongazikhumbulayo ngokuhlala. Ii-freeaus zenza njani ezi dilesi ezidala?
Ziziphi iinkcukacha zoLwazi kwiNgxelo yakho yeMali?
Ingxelo yakho yekhredithi iqulethe ngaphezu kweekhredithi kunye nolwazi lwemboleko.
Kwakhona kuquka ulwazi lomntu oluthile olusetyenziswa ukuqinisekisa ubungqina bakho. Oku kubandakanya igama lakho, usuku lokuzalwa, abaqeshi bamanje nabangaphambili, kunye nee dilesi zangoku kunye zangaphambili.
Kutheni idilesi endala ingabonakalisa kwiNgxelo yakho yeMboleko
Ingxelo yakho yekhredithi iya kubandakanya nayiphina idilesi oye wafumana ibhajethi, ngokukodwa ikhadi lesikweletu kunye neengxelo zemboleko. Kungenxa yokuba xa ababolekisi bakho bahlaziya ulwazi lwakho kunye ne-credit bureaus, bahlaziya kwakhona idilesi yakho yolwazi. Utshintsho kwidilesi yakho luya kubonakala kwiingxelo zekredithi.
Iingxowa-mboleko zemali-mboleko zigcina umkhondo wezo zombini idilesi zakho zangaphambili kunye neyakho yangaphambili, nangona xa ufuduka, iadesi zamandulo azihambi. Ingxelo yakho yekhredithi ihlaziywa nje ukubonisa ukuba yeyiphi idilesi ekukholelwayo okwangoku ngokusekelwe kwizinto ababolekisi bakho. Ngenhlanhla, idilesi yakho akuyona into ebalulekileyo kumanqaku akho . Iilesi zamandulo aziyi kulimaza amanqaku akho.
Ngokungafani nezinye iindidi zolwazi olungapheliyo, iidilesi aziyi kuhlawula ingxelo yakho yekredenti emva kwexesha elithile. Ngoko kunokwenzeka kuyo yonke idilesi oye waphila ukuze ubonise ingxelo kwingxelo yakho yekhredithi. Le nto ingaba ezininzi zeedilesi zomntu ojikeleze kakhulu.
Xa idilesi engalunganga ibonisa
Ukuba idilesi apho ungazange uhlale khona ivela kwingxelo yakho yekhredithi okanye ukuba ingxelo yakho yekhredithi ibonisa ukuba uhlala kwidilesi engaphezulu kunokuba wenza ngokwenene, ingaba ngumqondiso wekhredithi yamakhadi-mboleko okanye ukwebiwa kwe-identity .
Qinisekisa ukuba ubuyekeze yonke ingxelo yengxelo yakho yekhredithi ngokufanelekileyo kwiingxelo ezingezakho. Kwaye, njengolukhuseleko olongezelelweyo, khangela iinkcazo zakho zekhredithi malunga neentlawulo ezingagunyaziswanga .
Bika iimeko zokuba utywala kubaniki bemali kunye nabasebenzi benkonzo yemboleko ngokukhawuleza ukucima ii-akhawunti ezikhohlisayo. Cinga ukongeza ukuqaphela ukukhwabanisa ukukhusela ukukhwabanisa kwangaphambili okanye ukwebiwa kwezazisi. Ukuqaphela ukukhwabanisa kukuvumela ukuba abathengi bakwazi ukuba bathathe amanyathelo angaphezulu ukuqinisekisa ubungqina bakho ngaphambi kokuvuma izicelo zezikolo.
Ukuba ingxelo yakho yekhredithi iqukethe idilesi ezingalungile, umzekelo, indawo ongazange uhlale kuzo, ungasebenzisa ingxabano yengxelo yemboleko ukuze uyisuse.
Awunakufuneka ususe iidilesi ezindala ngenxa yokuba awukho ndawo. Ezinye iikhadi lekhredithi, iimali mboleko kunye nezithuba zengqesho zicele iidilesi zakho kwiinyanga ezimbini ezidlulileyo ukuya kwiminyaka emithathu ukuqinisekisa ubungqina bakho. Basenokuthelekisa ezi dilesi malunga neengxelo zakho zemali. Inokuphakamisa ifulegi ebomvu ukuba ubika kwiidilesi ezingabonakali kwingxelo yakho yekhredithi.
Ngaba Ufanele uhlaziye iBhangi yeTyala kunye neNdilesi yakho entsha?
Awunakukhathazeka ngokunika i-credit bureaus idilesi yakho yangoku. Ngethuba nje ukuba ababolekisi bakho nababolekisi banakho idilesi yokuthengisa ichanekileyo - kwaye kufuneka ukuba ufumane iinkcazo zakho zokuthengisa - i-credit bureau iza kugqiba ingxelo yakho yekredithi ukubonisa idilesi yakho yakutshanje.