Kwaye abanye banokungaqondi kakuhle ukuba ukukhangela amanqaku abo ekhredithi kuya kuthintela i-credit yabo. Ngethamsanqa, xa nje usebenzisa i-credit score score service ukujonga amanqaku akho ekhredithi, i-credit yakho ayiyi kuba nefuthe.
Izizathu ezisixhenxe zokujonga i-Score yakho yeMatyala rhoqo
Ukuhamba ngaphandle kokukhangela amanqaku ekhredithi yakho, okanye ukuyijonga yonke iminyaka embalwa, akwanele. Ukuze ube nokulawulwa kwekhredithi yakho kunye nobomi bakho bezezimali, kufuneka uhlolisise amanqaku akho ekhredithi rhoqo. Nazi izizathu ezimbalwa zokuba kutheni.
Yazi apho umi khona . Amanqaku akho ekhredithi yingxenye ebalulekileyo yempilo yakho yemali. Ukungahoxisi umlinganiselo wakho wekhredithi kuya kuba yingozi nje ngokungahoyi nayiphi na inxalenye yempilo yakho yempilo. Kungakhathaliseki ukuba kukuhle okanye kakubi, kungcono ukuba ukwazi umlinganiselo wakho wekhredithi kunokungazi ukuba ikuphi i-credit yakho. Iindaba ezilungileyo kukuba nangona amanqaku akho engalunganga, ungathatha amanyathelo okuphucula . Okanye, ukuba umlinganiselo wakho wekhredithi ulungile, unokugxila ekulondolozeni.
Gcina i-credit yakho ngendlela efanelekileyo . Esikolweni, ungayinakunceda umsebenzi wakho wesikolo emva kweeveki, uze udibanise ukuvavanya kunye ne-ace. Amanqaku esikweletu awasebenzanga ngaloo ndlela. Ukuba unesicelo esizayo, awukwazi ukufumana amanqaku akho ekhredithi ngokulungelelananga kwiintsuku ezimbalwa. Kunoko, kuthatha inyanga, iminyaka ukuya kwakha umlando weebhanki.
Ukubeka esweni kwinqanaba lakho lesikweletu kukubeka ekulawuleni i-credit yakho kwaye kwenza ukuba uphendule ngakumbi ngokugcina umlinganiselo wakho wekhredithi ngokufanelekileyo.
Qiniseka ukuba ulwazi lwakho lwekhredithi luchanekile . Amanqaku akho ekhredithi ibonakalisa ulwazi kwi-credit report yakho. Ukukhangela amanqaku okuthenga ngetyala kungakunika isibonakaliso malunga nokuba ingxelo yakho yekhredithi ichanekile. Ukuba umlinganiselo wakho wekhredithi uphantsi kunokuba ulindele, kungaba ngumqondiso wokuba ingxelo yakho yekhredithi iqulethe iimpazamo ezifuna ukuphikisana kunye namaziko eentengo zemboleko .
Awusamangaliswa kwisiphumo sezicelo zakho . Ukuba awuzange uhlolisise umvuzo wakho wekredithi ngaphambi kokufaka isicelo, unokubakhokelwa ngumbono okanye uvumelekile ukuba ungamkeli. Nangona kunjalo, ukwazi apho i-credit yakho emele khona ikulungiselele iziphumo-ezinokuba zizinto ezinqwenelekayo.
Qaphela ukuba zeziphi izenzo ezenzakalayo kwaye zinceda amanqaku akho . Njengoko ujonga amanqaku akho ekhredithi, unokuxelela ukuba izenzo zakho zemali zithinta njani i-credit yakho. Umzekelo, unokubona ukuba ukuhlawula imali okanye ukuvula ikhadi elitsha lekhredithi liya kuthintela yakho ngetyala. Emva kokuba wazi ukuba izenzo ezithile zithintela njani amanqaku akho ekhredithi, uya kukwazi ukuba ungayigxina ngaphambi kwesicelo esikhulu semboleko.
Phendula kwiinguqu ngokukhawuleza . Ukuhlolisisa amanqaku akho ekhredithi rhoqo kukukwazisa ngenguqu kwiimali zakho zemali ngokukhawuleza. Ukuba umlinganiselo wakho wekhredithi uyawa, ungasebenzisa ulwazi kwingxelo yakho yekhredithi ukuze ubone oko kunokubangela ukuba utshintshe. Emva koko, unokuthatha amanyathelo okufumana amaphuzu amanqaku ekhredithi olahlekileyo.
Yazi xa ungakufanelekela ukunikezelwa kwamakhadi ekhredithi angcono . Njengoko umlinganiselo wakho wekhredithi uphucula, unethuba elingcono lokuvunywa kumakhadi-mboleko ngamanani entlalo engcono, imivuzo okanye ezinye izinto. Okanye, ungasebenzisa amanqaku akhredithi enamandla (kunye nokunikezelwa kwekhadi lokuthenga ngetyala) njengesixhobo sokuxoxisana ukuba ucele ukuba abakhupheli bakho bekhadi lokuthenga ngetyala banciphise amaxabiso enzala. Ukuba umniki wekhadi lakho lekhredithi akayi kuvuma ukunciphisa umlinganiselo wakho, qwalasela isicelo sokwenza imali ye-credit card ye-0%.
Kuphi ukujonga i-Score yakho yeMatyala
Kukho iindlela ezininzi onokujonga ngayo amanqaku akho ekhredithi mahhala. Ukuba ufuna ukubeka iliso lakho amanqaku ekhredithi ngokuqhelekileyo, ukusebenzisa inkonzo yamahhala yindlela efanelekileyo.
Bhalisa kwi-CreditKarma.com kunye ne-CreditSesame.com. Uyakwazi ukujonga i-TransUnion kunye ne-Experian izikolo izikolo rhoqo.
Ibhanki yakho inokubonelela ngeenkonzo zokubeka iliso ngekhredithi enika izibuyekezo zamahhala kwenye yezikolo zakho zemali. Hlola ngebhanki yakho okanye umniki wekhadi lokuthenga ngetyala ukuze ufumane ukuba zeziphi iinkonzo ezikhoyo. Okanye, ukuba umnikeli wakho wekhadi lesikweletu uyinxalenye yeprogram entsha ye-FICO yokuFikelela ukuFikelela, uza kufumana ikhophi yamahhala ye- FICO kwisikolo ngasinye kwisitatimende ngasinye kunye nezona zinto zichaphazela amanqaku akho. Amakhadi aMatyala ngeenombolo zamahhala zeFICO ziquka: Ukufumanisa, ukuxosha, iBhanki yaseMelika, iBarclaycard, iBhanki yezoRhwebo, i-American Express, iBhanki yokuqala kunye nekhadi lekhredithi yeWalmart.
Ungaphinda uthenge amanqaku akho okweleta ngetyala leenkundla ezinkulu: i-Equifax, i-Experian, ne-TransUnion okanye nge-myFICO.com. Ngamanye amashishini anikezela ngenkonzo yokubeka iikhredithi enokuyihlawula rhoqo ngenyanga.
Ngamaxesha amaninzi kufuneka ubeke iliso kwi-Score Score yakho
Amanqaku akho ekhredithi angatshintsha rhoqo rhoqo imihla ngemihla, kuxhomekeke kwimiba engakanani inkcazelo kwingxelo yakho yekhredithi. I-Credit Karma ikubonelela ngokuhlaziywa kwansuku zonke kwinqanaba lakho lekhredithi ukuba ufuna ukulandelela umlinganiselo wakho wekhredithi. Ukuba uceba ukuthenga indlu okanye imoto kungekudala, ukukhangela amanqaku akho ekhredithi kaninzi kukunceda ulungele. Ngaphandle koko, ukujonga ilungu lakho lekhredithi kwindawo ethile phakathi kwenyanga ukuya kwenyanga kwanele.
Khumbula ukuba umlinganiselo wakho wekhredithi ngumbolo ebonisa ulwazi kwingxelo yakho yekhredithi kwindawo ethile ngexesha. Ukutshintsha umlinganiselo wakho wekhredithi, kuya kufuneka utshintshe ulwazi olusisiseko kwingxelo yakho yekhredithi ngemigangatho efanelekileyo yokuchithwa kwemali kunye neentlawulo. Uninzi lwabanani bemali-mboleko, kunye nabakhululekayo, baya kukunika iinkcukacha ezisisiseko malunga nezinto ezichaphazela amanqaku akho. Ungayisebenzisa le ngcaciso ukugqiba into ongayenza ukuphucula amanqaku akho.
Njengoko ujonga amanqaku akho okwekhredithi ngokuphindaphindiweyo, uya kuqaphela amanqaku akho ekhredithi ahamba phezulu nakwehla, ngamanye amaxesha ngokuphindaphindiweyo njengemihla ngemihla. Ngaphandle kokuba amanqaku akho ekhredithi ahla kakhulu kwaye ahlale apho, akufanele ukhathazeke ngeenguqu kumanqaku akho.
Kwakhona qaphela ukuba izikolo zakho zeentengo zemali zingahluke phakathi kwabanikezeli abahlukeneyo, ingakumbi ukuba i-credit data ephantsi ivela kwiindawo ezahlukeneyo zemali-mboleko. Oku, nanjalo, inxalenye evamile yesikolo sekhredithi.
Kwakhona ukhumbule imibuzo yamanqaku ekhredithi ukuba ubuze ukuba uhlala umhlalaphantsi.