Ulwazi olungalunganga luyakushiya izibakala ezibi kwiingxelo zakho zemali. Ngoko ke, xa ixesha lesikwerelo siphelile, ngokuqinisekileyo ufuna ukuba ityala lisuswe kwingxelo yakho yekhredithi ngokulungileyo. Ngolwazi olungalunganga kwingxelo yakho yekhredithi, umlinganiselo wakho wesikweletu unokuphucula kwaye unako ukufumana iimali-mboleko ongeke ukwazi ukuzenza ngombala ongekho kwingxelo yakho yekhredithi.
Ngaphambi kokuba ufumane ithemba lakho malunga neengxelo zemboleko zetyala, kubalulekile ukwazi ukuba umlinganiselo wexesha lokubhengisa ngetyala akuyiyo imimiselo yemingcele echaza ukuba ixesha elide lihlawulwa njani kwingxelo yakho yekhredithi.
Iingxowa-mboleko zemali-mboleko ziyakwazi ukuqhubeka nokubika iingxowa-mali ezigqithisileyo nangona emva kokuba umqathango wokunciphisa usuphelile.
Ixesha leMibini yeeMali
Ummiselo wemingcele yimalini yexesha ukuba ityala linyanzeliswe ngokusemthethweni, oku kuthetha ukuba ixesha le-mboleko okanye umqokeleli wetyala unokusebenzisa inkundla ukuba kukuphoqe ukuba uhlawule ityala. Kuza kudlala xa uxolelwe ityaleni elidala - ungasebenzisa umyalelo wokuphelelwa komda wokuphelelwa umyalelo wokukhusela umgwebo. Ngokuqhelekileyo, ummiselo wemingcele awunakuchaphazela ukuba ixesha elide lithathwa njani kwi-credit report yakho.
Umlinganiselo wexesha lokubhengezwa ngetyala lixesha elifunekayo ukuba liyazi xa kuziwa ekususeni izikweletu eziphelelwe yisikhathi kwingxelo yakho yekhredithi. Yimalini yexesha le-credit bureaus lingabika ingxelo ye-akhawunti ye-akhawunti yakho kwingxelo yekhredithi. Umlinganiselo wexesha lokunika ingxelo ngekhredithi ngolwazi oluninzi olubi luyiminyaka esixhenxe.
Ummiselo wemingcele uhluka ngoomhlaba kwaye unokuthi ube mfutshane kuneeminyaka ezisixhenxe.
Ngenxa yoko, ummiselo wemingcele kwi-matyala ingaphelelwa iminyaka emininzi ngaphambi kokuba umlinganiselo wexesha lokubhengezwa kwekhredithi loo matyala aphelelwe yisikhathi. Kwimeko enjalo, ityala linakho (kwaye ngokuqhelekileyo liya kuthi) lisekhona kwingxelo yakho yekhredithi nangona ummiselo wemingcele uphakanyisiwe.
Kukho umzekelo omnye wokuba ummiselo wokunciphisa ubaluleke ngaphezu kwexesha lokunika ingxelo ngekhredithi , kodwa kungekhona kuwe.
Isigwebo sokugweba sinokuhlala kwingxelo yakho yeebhanki kude kube ngummiselo wokukhawulelwa ukuba elo xesha lingaphaya kweminyaka eyisixhenxe.
Xa ixesha lokunika ingxelo ngetyala liphelelwa lixesha, kufuneka lilahle ingxelo yakho yesikweletu ngokuzenzekelayo. Ukuba ngenxa yesizathu esithile, ityala elidala lihlala kwingxelo yakho yemali-mboleko, ungasebenzisa inkqubo yokubambisana neengxelo zemboleko ukuze uyisuswe.
Ukuqalisa kwakhona iiOlocks
Umda wexesha lokunika ingxelo ngekhredithi awukwazi ukuqala kwakhona. Ukuba umboleki-mboleko okanye umqokeleli weetyala udala i-akhawunti ukunyusa inani lexesha elibikiwe, baphula umthetho.
Ngokomnye icala, ummiselo wemiqathango, ungabuyiselwa ngomsebenzi omtsha kwi-akhawunti. Ngokuxhomekeke kumthetho wakho wombuso, lo msebenzi ungabandakanya ukulungiselela inkokhelo okanye ukuhlawula imali okanye ukuvuma i-akhawunti. Ukuba i-akhawunti isondela okanye idlulile ummiselo weemingcele kwaye awunenjongo yokuyihlawula, kungcono ukuba ugweme nayiphi na imisebenzi kwi-akhawunti ukuze ungaqalisi iwashi kwaye ukwandise inani lexesha onokusetyenziswa ngalo .