Ukuhlolwa kwamatye okuchaphazelekayo kukuchaphazela njani amanqaku emboleko
I-check bounced ayibonakali ngokukhawuleza kwiingxelo zekhredithi zakho eziqhelekileyo, kwaye akunakuze zibonise. Iingxowa-mali ezinkulu zokubika ngetyala (i-Experian, i-TransUnion ne-Equifax) ngokubanzi zijongene nolwazi malunga nemali-mboleko - oboleke kuyo, ukuba uhlawulwe ngokukhawuleza, kwaye ukuba kukho na iirekhodi zoluntu ezihambelana nomlando wakho wokuboleka.
Ibhanki yakho ayibhengezeli isheke nganye kwii-credit bureaus.
Ukuba ufumana isheke, hlawula nabani na omele ukukhawuleza kwaye uyibeke emva kwakho. Ngethuba nje ukujongana nengxaki malunga neentsuku ezingama-30 - kwaye ugweme ukwenza umkhwa kuwo - izikolo zakho zekredithi ze-FICO akufanele zihlupheke.
Oko kwathiwa, ikhonkco elibi (okanye uchungechunge lokuhlola okubi) ekugqibeleni lingabangela ingxaki ngeendlela ezininzi:
- "Okunye" amanqaku okuthenga ngetyala angakunika amanqaku aphantsi
- Iimvavanyo zokungahlawulwanga ezigqityiweyo ekuqokelelweni zingonakalisa amanqaku akho emveli esikwereti
- Ukuhlawulwa kwetyala emva kwexesha kuya kulimaza ikhredithi yakho emva kweentsuku ezingama-30
- Unokuphelisa kwezinye iinkcukacha
Eminye imiba
Amanqaku ekhredithi ye-FICO yinqanaba elithandwayo kakhulu lekhredithi, kwaye yile enye esetyenzisiweyo kwiimali-mboleko ezinkulu ezifana nokuthengwa kwemoto kunye nokuthenga ekhaya. Nangona kunjalo, amanqaku angaphezulu ayenziwa kakhulu - ikakhulu kubantu abangenalo ithuba lokwakha iitaliti kunye nabantu abakhayo emva kobunzima bezezimali.
Ezinye izikolo zemali zemali zikhangele ngaphezu kweembali zakho zokuboleka. Iintlawulo zentsebenzo kunye neentlawulo zerenti zibonisa ukuba unokwethenjelwa - nokuba awuzange ubolekelwe ngaphambili. Kodwa ukuba urenti yakho kunye neentlawulo zesevisi, ziyakuthi zikhangele kakuhle kule mizekelo.
Iqoqo
Ekugqibeleni, ikhonkco elibi lingabonakalisa kwingxelo yakho yekredithi efanelekileyo kwiingingqi ezintathu ezinkulu zemali-mboleko.
Ukuba ibhajethi iya kuhlawulwa, i-akhawunti yakho ekugqibeleni ingathunyelwa kwiiqokelelo (oko kuthetha ukuba umbolekisi uqeshe i-arhente yokuqokelela - okanye uthengisa ityala lakho kubo - oya kuzama ukuqokelela into oyenzayo).
I-arhente zokuqokelela ziya kuxela ityala lakho kwiimboleko zemali-mboleko kwaye ezo zingeniso ziza kuphazamisa i-credit yakho. I-arhente yokuqokelela inokuthi ithathe inxaxheba emthethweni kuwe, kwaye naziphi na izigwebo malunga nawe ziyakwenza umonakalo.
Unomude kangakanani?
Ukuba ufumana isheke, qha ga mshelana nomvuzo kwaye uhlawule oko ufunwayo-ungalindeli ukuba bakubizele. Ngokukodwa ukuba wenza inkokhelo yembolekiso (njengemboleko yakho yasekhaya okanye ikhadi lekhredithi), kubalulekile ukulungisa izinto ngaphandle kweentsuku ezingama-30.
Ukuhlawulwa kwexesha-mboleko kwiimali mboleko kuvela kwingxelo yakho yekhredithi kwaye bawela phantsi izikolo zakho zemali. Nangona kunjalo, uhlala unemihla engama-30 emva komhla ofunekayo ukuze wenze intlawulo yakho kwaye ugcine i-credit yakho ihambelana. Uza kuhlawula iifizi zetshekhi kunye neemali zokuhlawula emva kwexesha, kodwa unokuphelisa umonakalo kwi-credit yakho ngokusebenza ngokukhawuleza.
Ezinye iirekhodi zeNgxelo
I-arhente ezithandwayo kakhulu zetyala, ezisoloko zisetyenziselwa izicelo zemboleko kunye nemisebenzi, musa ukulandelela umsebenzi wakho wokutshekisha. Nangona kunjalo, kukho ezinye "iinkampani zokubika iingxelo zabathengi" eziqokelela kwaye zithengise ulwazi malunga nawe.
Enye yezo i-ChexSystems , ezithatha iikhredithi kunye neengxowa ezingenayo .
Ngokungafani ne-arhente enkulu yokubika ngetyala, kuyinto engafanelekanga ukuba unayo ingxelo ye-ChexSystems-kuphela abantu abaneengxaki kwiibhanki zabo kuboniswe kule nkcukacha. Ngokusekelwe kwingcaciso malunga nexesha elidlulileyo, iibhanki zinokuthi zithinte ukuvula i-akhawunti yokukhawuleza, okanye zizakuvala i-akhawunti ekhoyo.
Ezinye iinkcukacha zenza ukuba kunzima ukuba usebenzise iitsheki zakho. Umzekelo, unokuba nzima ukubhalela isheke kwisitoreli ukuba umrhweba usebenzisa isevisi yokuqinisekisa isheke ukukhangela ukuhlola okubi.
Gwema ukuhlawula iireki
Kukho izizathu ezininzi zokuphepha ukuhlolisisa. Ukongezelela kumonakalo wakho kwintengo yemboleko, kuya kufuneka uhlawule imali eyongezelelweyo, kwaye usenokuphelisa iingxaki zomthetho . Gcina ingqalelo yemali enokufumaneka ngayo, kwaye qiniseka ukuba awuhambi ngaphantsi kwe-akhawunti yakho yokujonga.
Ukuqhawula isheke kweso sihlandlo kungabonakalisa ukuba uxakekile okanye uphazamisekile. Kodwa ukuba kwenzeka njalo, luphawu lokuba kufuneka wenze utshintsho kwaye ubuyele emhlabathini oqinileyo.
Fumana ibhalansi: ukulandelela ibhalansi yakho ye-akhawunti, funda indlela yokulinganisela i-checkbook yakho-uyazi (ngaphambi kokuba ibhanki yakho iyenze) apho yonke imali yakho iya khona.
Fumana izilumkiso: ubhalisele izibhengezo zetekisi okanye ze-imeyile ukuze ukwazi ukuba unayo kangakanani kwi-akhawunti yakho, kwaye xa imali ishiya i-akhawunti. Oku kukuvumela ukuba uthathe inyathelo ngaphambi kokuba kuvele iingxaki.
Fumana ukhuseleko: ukuba usabhenela ukuhlola, jonga ukukhuselwa kwe-overdraft kwi-bhanki yakho okanye umanyano wekhredithi. Ibhanki (ngamanye amaxesha) iya kuhlawula xa uhamba phantsi ngemali, kwaye uza kubuyisela into oyibole ebhanki endaweni yokuhlawula isheke. Le nkonzo ibiza imali, ngoko ke ndifumana malunga neengxaki kunye neengxaki ngaphambi kokuba ubhalise.