Ulandela isilumko esilumkileyo ngokujonga ukuba i-credit yakho iqiniseke ukuba uyayibona apho umi khona. Ngelishwa, ukuba awuzange ube nolwazi oluninzi ngekhredithi, unganakho ukufumana amanqaku ekhredithi. Ungaxhalabi. Awenzanga nto iphosakeleyo kwaye awuyedwa. Abantu abangaphezu kwezigidi ezingama-50 abanalo amanqaku eFICO, ngokwemibiko ye-FICO ka-2015. Oku kwenzeka ngokuqhelekileyo kubantu abangazange bavelise iimbali zemali-mboleko, ngakumbi abantu abadala.
Kungenzeka kwakhona ukuba unayo ikhredithi yangaphambili, kodwa zonke iakhawunti zakho zeentengo zemali zihlala zihlala ziphele iinyanga.
Izizathu ezibini onokuthi ungaba nazo iimpawu zesikweletu
Ukuqonda indlela amaqaku e-credit abalwa ngayo anokukunceda uqonde ukuba kutheni ungenayo amanqaku. Amanqaku okuthenga ngetyala atshwankathelo lweenkcukacha kwingxelo yakho yekhredithi. Amanqaku asetshenziselwa ukulinganisa i-creditworthiness kwaye uqikelele ukuba unakho ukuhlawula amatyala akho ngexesha. Izikolo zemali eziphezulu zibonisa ukuba unokuhlawula iimbopheleleko zemali-mboleko ngokusekelwe kwindlela oye walungisa ngayo ikhredithi kwixesha elidlulileyo.
Iingxelo zemali zisekelwe kwingxelo kwingxelo yakho yekhredithi, ekuhlanganiswa kweakhawunti yakho yekredithi kuquka namakhadi ekhredithi, iimali-mboleko kunye naziphi na iirekhodi ezintle ezifana nokuqokelela kwetyala okanye izigwebo zokugweba. Ukuba awuzange ube neyiphi na iindidi zee-akhawunti, oko kuchaza ukuba awunayo amanqaku eebredithi - awunayo imbali yekhredithi ukufumana amanqaku.
Yitsho nje usanda kuvula ikhadi lakho lokuqala lekhredithi, kodwa ubenalo nje ngeenyanga ezimbalwa. Awunakho umlinganiselo wekhredithi okanye. Umlinganiselo weFICO ufuna ukuba ubuncinane ne-akhawunti enye esebenzayo kwiinyanga ezintandathu ezidlulileyo. Xa i-akhawunti yakho inembali eyaneleyo, uya kukwazi ukufumana amanqaku ekhredithi.
Unokuba neengxelo ezininzi ongazange uzisebenzise kwiinyanga eziliqela, kwiminyaka. Kwimeko apho, awuyi kuba neengxelo zemboleko, nangona unembali yengetyala, kuba zonke iakhawunti zakho zisebenze ixesha elide. Kufuneka uqale ukusebenzisa ii-akhawunti zakho kwakhona -kuba nje zivaliwe-ukuba zikwazi ukufumana amanqaku emboleko.
Indlela yokujonga iMbali yakho yeMali
Unokujonga ikopi yakutshanje yengxelo yakho yekhredithi ukuze ubone imbali yakho yematyala. Ukuba awuzange ube ne-akhawunti yengetyala, awukwazi ukufikelela kwingxelo yakho yekhredithi okanye. Emva koko, akukho mali ingabakho ingxelo yekhredithi ngaphandle kolunye uhlobo lwembali yekhredithi.
Unayo amanqaku okuthenga ngetyala ngokusekelwe kwiingxelo zakho zeentengo zemboleko kwii-three ezinkulu ezinkulu zemali-mboleko: i-Equifax, i-Experian, ne-TransUnion. Kunokwenzeka ukuba ube nomlinganiselo wekhredithi kunye ne-bureau enye kwaye ingabanye ukuba i-akhawunti (okanye) ovulekileyo ayiyibiki imbali yakho kuzo zonke iifesti ezintathu zeentengo zemboleko.
Indlela yokwenza i-Score yakho yeMboleko
Ukuze ufumane imvume yamakhadi amaninzi kunye neengxowa-mboleko, kufuneka ube nomlinganiselo wemboleko. Ababolekisi nababolekisi basebenzise amanqaku ekhredithi yakho ukuze avumele isicelo sakho. Ukufumana ikhadi lokuqala lokuthenga ngetyala kungabunzima, kodwa unokhetho oluthile lokufumana ikhadi lekhredithi xa uqala nje ngekhredithi :
- Faka isicelo kwibhanki yakho yasekhaya okanye umanyano wekhredithi, ngakumbi ukuba sele unayo i-akhawunti yokujonga okanye yokulondoloza
- Amakhadi ekhredithi yomfundi, ukuba ungumfundi
- Amakhadi ekhredithi esitolo
- Ikhadi lekhredithi elilondoloziweyo , elifuna idiphozithi ukukhusela umda wakho wemali
- Fumana ikhadi lokuthenga ngetyala kunye nomhlobo okanye isihlobo
- Yiba ngumsebenzisi ogunyazisiweyo kumhlobo okanye kumakhadi akwereta akhona
Emva kokuba uvule i-akhawunti yekhredithi (ukuba iingxelo zenani ubuncinane kwiziko lemali-mboleko ezinkulu) kwaye ulisebenzise iinyanga ezintandathu, kufuneka ukwazi ukuyalela umlinganiselo wakho wekhredithi. Qinisekisa ukulawula i-credit yakho ngokuhlakanipha ukwakha amanqaku amatyala enhle.