Ukuba uke wathengisa amanqaku amathathu ekwintengo yemboleko okanye ufumene izikolo zakho zekhredithi zamahhala ezivela kumaziko amaninzi ngosuku olulodwa, usenokuba uqaphele ukuba izikolo zakho zesikweletu zihluke phakathi kweevenkile zesikweletu ezintathu. Njengoko ukuqonda amanqaku akho okwekhredithi kwakungekho nzima ngokwaneleyo, ukufumana amanqaku ahlukeneyo kwiikrediti kwenza kube nzima. Ungaxhalabi. Ukuba neenqaku ezahlukeneyo zematyala ziqhelekileyo; Kungoko oko kwenzeka.
Iimboleko zemali-mboleko zisebenzisa amaxabiso amanqaku ahlukeneyo
Kukho imizekelo yamanqaku okuthenga ngetyala kwaye ngamnye ngamnye unokukunika amanqaku ahlukeneyo. Ngokomzekelo, nganye yeevenkile zentengo zemboleko isebenzisa imodeli yazo yokubala amanqaku ekhredithi kunye nee-ofisi zesebenzisane kunye nokuphuhlisa i- VantageScore . I-FICO, enye yeenkampani ezixhaswa ngamakhredithi awaziwa kakhulu, unalo i-credit rating score model. Amabhanki kunye nezinye iinkonzo zokuphonononga nazo zingaba neendlela ezahlukeneyo zokubeka amanqaku ezikolo.
Amaziko eentengo zemboleko kunye ne-FICO zikhupha ngezikhathi ezithile iinguqulelo ezintsha zeempawu zokubolekisa ngekhredithi. Iirhafu zokuthotyelwa kwimizekelo emitsha zinokuphuza, baninzi ababolekisi baqhubeka besebenzisa amanqaku omdala.
Ii-ofisi zemali zemboleko zineenkcukacha ezahlukeneyo zeengxelo zemboleko
Iingxowa-mboleko zemali-mboleko ziqokelela idatha ngokuzimela komnye omnye - kwaye ngokuqhelekileyo azikwabelani. Akunjalo kuphela, ababolekisi bakho nababolekisi bangabika idatha kuphela kwelinye okanye ezimbini kwiziko leentengo zemboleko.
Ngoko, iiNgxelo zakho ze-Equifax, i-Experian, kunye neTransUnion zingabonakala zihluke omnye komnye kuye kuxhomekeke kwingcaciso equlethwe kwingxelo nganye yeentengo.
Nganye i-credit bureau ibala amanqaku ekhredithi yakho kunye nedatha kwifayili yekhredithi. Ngokomzekelo, i-Experian ibala amanqaku ekhredithi yakho kunye nedatha kwi-Experian yakho ingxelo yekhredithi.
Ngoko ke, ukuba unayo i-akhawunti yokuqokelela ebonakala kwingxelo yakho yesikweletu se-TransUnion, kodwa kungekhona kwiNgxelo yakho yeNgxowa-mali ye-Experian, ke umlinganiselo wakho we-TransUnion wesikolodo ungase uhle.
Nguwuphi na umvuzo wekhredithi oyisebenzisileyo?
Ababolekisi bavame ukuseka ubudlelwane kunye nenye okanye ngaphezulu kwee-credit bureaus. Unokucela umboleki wakho ovela kuyo i-credit bureau ukuba uthenge izikolo zesikolo (mhlawumbi okanye angakuxeleli), kodwa awukwazi ukucela ukuba umnini-mboleko wakho asebenzise ethile i-credit bureau ukuze athole amanqaku akho.
Abaninzi ababolekisi basebenzisa isaphulelo seFICO esakhiwe yi-FICO, inkampani eyaziwa ngokuba yi-Fair Isaac. Unokuthenga amanqaku akho kwi-FICO ngokusekelwe kwi-Equifax, Experian, kunye ne-TransUnion iingxelo zetyala kwi-myFICO.com. (Kwiminyaka embalwa, izikolo ze-FICO ezisekelwe kwi-Experian azifumaneki ukuba kuthengwe abathengi, kodwa sele zenziwe zifumaneke kwakhona.)
Kukho amanqaku awaziyo ngawo
Ukongeza kwizikolo zemali-mboleko ongazithengayo, zikhona ezinye ezimbalwa zeekhredithi zamashishini ezifikelelekayo ukuba awukwazi ukuthenga ngokuthe ngqo. Ngokomzekelo, kukho umgangatho womshuwalense we-auto, amanqaku okubikezela phantsi kwebhanki, kunye nomlinganiselo wokuthenga ngetyala. La manqaku aya kufana nantoni na oyithengayo kwi-intanethi kuba zilungelelaniswe kulo shishino.
Amanqaku ekhredithi aqhelekileyo oya ku-intanethi anenjongo yolwazi kuphela.
Ngaba uhlola ixabiso lakho lekhredithi?
Nangona umlinganiselo wekhredithi ohlolisayo mhlawumbi awuyi kufana nomgca wakho mboleko ufumana, kusabalulekile ukujonga amanqaku akho. Amanqaku akho aya kukunika ingcamango jikelele malunga nekhredithi yakho, oko kukuthi, enoba unamanqaku amatyala okhenda okanye amanqaku amabi. Uya kufumana isibonakaliso esihle sokuba ngaba ufuna ukuphucula i-credit yakho okanye ukuba iziphumo zakho zokufumana imvume yekhadi lesikweletu okanye umbolekiso ziyakuthanda. Ukuba kunokwenzeka, buyekeze ubuncinane umlinganiselo wekhredithi omnye kwiingxelo ezintathu zeentengo zemboleko ukwenzela ukuba unengcamango yakho yekredithi epheleleyo.