Ukuba uwele emva kwekhadi lakho lesikweletu okanye iintlawulo zemboleko, umboleki wakho unokuthetha nawe "ngokuzisa i-akhawunti yakho yangoku." Enye indlela yokwenza ukuba wenze inkokhelo enkulu ngokwaneleyo ukuze ukwanelise nawuphi na umvuzo ogqityiweyo oqokelelwe ukususela xa wenza intlawulo yakho yokugqibela.
Xa i-akhawunti ikhoyo ngoku, akukho ntlawulo efunekayo kwangoku ngenxa yokuba usanda kwenza intlawulo okanye yintlawulo kuphela ngenxa yoko ixabiso elincinci lenyanga ekhoyo.
Iinzuzo zokuhlawula iAkhawunti yakho yangoku
Ngelixa umniki-khadi wakho wekhredithi ufuna ukuba ulethe i-akhawunti yakho yangoku ngenxa yokuba iingxelo ezigqithisileyo zithetha ukuba zilahlekelwa yimali, ukuhlawula i-akhawunti yakho yangoku inzuzo nawe, nayo.
Yeka iifowuni kumkhupheli wekhadi lakho lesikweletu . Ukuba ungemva kwintlawulo kwaye awuzange wenze nayiphi na intlawulo, uya kufumana iifowuni zeefowuni zekhadi lakho lokuthenga ngetyala. Le fowuni inokuba yinkathazo. Benza umsebenzi wabo ngokukucela ukuba ugcine isiphelo sakho semvumelwano yekhadi lesikweletu. (Qaphela ukuba iifowuni zesikweletu sakho sokuqala ayikho phantsi kwemithetho yoMthetho wokuThuthwa kweziTyala eziTyala .) Emva kokuba uhlawule i-akhawunti yakho yangoku okanye wenze ilungiselelo lokuhlawula ukuzisa i-akhawunti yakho yangoku, iifowuni ziya kumisa ngokukhawuleza.
Yeka iintlawulo ezithe wabuya emva kweengxelo zakho zemali . Xa ukuhlawulwa kwakho kungaphezulu kweentsuku ezingama-30 ezidlulileyo ngenxa yoko, ii-ofisi zesikratshi ziyaziswa kwaye ingxelo yakho yekhredithi iya kuhlaziywa ukuquka ukuhlawulwa kwexesha .
Ukuhlawula i-akhawunti yakho yangoku kumisa ukungena okungekho kade kwirekhodi yakho yekhredithi kule akhawunti. Kodwa, akukho naliphi na iindleko zokugqibela eziye zabikwa.
Ukuthintela ukuhlawulwa okanye ukuqokelela . Emva kweenyanga ezintandathu zokuhlawulwa kwekhadi lesikweletu, i-akhawunti yakho yekhadi yekrediti iya kuhlawuliswa kwaye mhlawumbi ithunyelwe kwi-ejensi yokuqokelela ukwenzela ukuba usebenze.
Emva kokuhlawuliswa, i-akhawunti yakho ivaliwe kwaye ayiyi kuvulwa kwakhona nangona uhlawula imali. Ukuzisa i-akhawunti yakho yangoku phambi kwelo xesha kuza kugcina i-akhawunti yakho ukuba ingene kule meko.
Buyisela amalungelo akho okuthenga . Abanye abakhupha amakhadi ekhredithi bakuthintela ekubeni wenze ukuthenga okutsha kwiakhawunti yakho xa kudala ngenxa. Xa usuhlawule ibhalansi yexesha elidlulileyo, uya kuba nako ukusebenzisa ikhadi lakho lekhredithi ngokukhawuleza ukuba lingahlawulwanga.
Funyelwa kwamanye amakhadi-mboleko kunye neemboleko . Abaninzi bemboleki kunye nababolekisi abayi kuvuma izicelo ezintsha ukuba unasemva kwiintlawulo kwenye i-akhawunti. Uya kufuneka unakekele ibhalansi yakho yangaphambili ukuze uvumele isicelo sakho samukelwe - ucinga ukuba udibana nezinye iimfuno.
Indlela yokuhlawula iAkhawunti yakho yangoku
Unako ukuhlawula imali yakho yangaphambili efanelekileyo usebenzisa indlela efanayo ukuba wenze intlawulo yakho rhoqo ngenyanga. Oku kunokwenzeka ukuba ingaba kwi-intanethi, ngeposi, okanye ngefowuni. Ukuthunyelwa kwe-intanethi kunye nefowuni kwi-akhawunti yakho ihamba ngokukhawuleza kwaye uya kuba sele uyifumene ngokukhawuleza. Ukuba uthumela i-intlawulo yakho, uya kufuneka ulinde umniki wekhadi lokuthenga ngetyala ukuze uyifumane, inqubo phambi kokuba inkokhelo izithumele kwi-akhawunti yakho.
Ukuzisa i-akhawunti yangoku kudla kunzima kuba i-balance balance yexesha elidlulileyo iquka zonke iintlawulo ezilahleweyo ngaphambili kunye neemali ezidlulileyo.
Ukuba awukwazi ukwenza intlawulo yakho ngokukhawuleza, biza umnini-mboleko wakho ukuba enze amalungiselelo okuhlawula. Basenokukwazi ukwahlula intlawulo okanye okwexeshana ukumisa iintlawulo de ube usenokubanjwa kwakhona.
Impembelelo yakho kuMboleko
Xa uhlawula i-akhawunti yangoku, ingxelo yakho yekredithi iya kuhlaziywa ukubonisa ukuba i-akhawunti yakho ayidlulile ngenxa. Khumbula, ukuzisa i-akhawunti yangoku ayiyikususa nayiphi na intlawulo emva kwexesha elichazwe ngaphambili. Ngokomzekelo, ukuba unemihla engama-60 edlulileyo ngenxa yokuhlawulwa kwekhadi lakho lesikweletu, ngoko usibanjwe, ubude bemihla engama-60 buya kuhlala kwi-credit report yakho kwaye yonke intlawulo emva koko iya kubonisa ukuba ihlawulwa ngexesha. Iinkcukacha ezingalunganga ezihambelana neakhawunti ziya kuhlala kwi-credit report yakho iminyaka eyisixhenxe.
Ngenxa yokuba ukuhlawula i-akhawunti yakho yangoku akuyikucima iintlawulo zangaphambili zenyanga, i-credit score you can not repel immediately.
Njengoko uqhubeka ukwenza zonke ezinye iintlawulo zakho ngexesha kunye nexesha elidlulileyo lokuhlawulwa kwexesha, umlinganiselo wakho wekhredithi kufuneka ukwandise kancane. Emva kweminyaka eyisixhenxe, ukukhawuleza kwexesha lokubhengisa ngekhredithi , ukuhlawulwa kwexesha elifutshane kuya kuthi ekugqibeleni uyeke umlinganiselo wakho wekhredithi.