Kutheni Unokufuna Iikomiti Zesikweletu Ngexesha Elizayo
Kwiifayile ezininzi, ukuboleka imali kwakhona kukugqibela kokucinga kwabo. Ukukhangela imali abazange bakwazi ukuyibuyisela kuye kwabaxhomekeke kakhulu kubo kwaye abafuni ukuzifumana kuloo meko kwakhona. Izibhambathiso ezininzi zokuhlala ngaphakathi kweendlela zabo, musa ukukhupha amakhadi enkredithi, kwaye ulondoloze ukuthenga okukhulu njengezixhobo kunye neemoto.
Kwabanye, ingcamango yokuphila ngaphandle kokufikelela kwi-credit iyatshitshisa.
- "Kwenzeka ntoni ngexesha elizayo ndifuna ukuthenga imoto?"
- "Kuthekani ukuba umbane womoya uyeka ukusebenza?"
- "Ngaba ndiyakwazi ukubanceda abantwana bamboleke kwikholeji?"
- "Ngaba ndiza kukwazi ukuthenga ikhaya?"
Eyona nto ibonakalayo kukuba, akunakwenzeka njalo, ukusetyenziswa ngokufanelekileyo okanye kwaneemali ukuphepha ukhuseleko. Ukulondoloza indlu, umzekelo, akunakwenzeka kubantu abaninzi. Ngokwezimali, kungenza kube nengqiqo ukuthenga indlu ngenani lentsha ephantsi, xa unako ukufaneleka, ngenxa yokuba ukwanda kwexabiso elingaphezu kwexesha kuya kuba ngaphezu kwenzala ehlawulwe kwityala.
Kwabanye, kunokuba kunzima ukuyigcina imoto engabizi, okanye ungadinga imoto ukuya kumsebenzi oza kuwuhlawula.
Kuzo zonke ezi zinto, ukubonelelwa ngokufanelekileyo kwekhredithi kungcono kunokuba uthembisa ukuba awuyi kuphinda uhlawulwe nantoni na.
Indlela efanelekileyo kunye nenokuthenjelwa yokwakha i-credit card yakho efanelekile emva kokuba u-bankruptcy yindlela efanayo xa uyakha xa uqala nje ebomini.
Usebenzisa amathuba amancinci amancinci, gcina izilinganiso ezantsi, kwaye uhlawule ubuncinci bakho okanye uhlawule yonke i-akhawunti nganye ngenyanga. Okubaluleke kakhulu, uhlawula iintlawulo zakho ngexesha!
Ukufumana i-Score yakho yeMboleko
Ngaphambi kokuba usebenze ukuphucula amanqaku akho, kufuneka ukwazi ukuba yintoni. Nangona kukho inani leenkampani ezihlalutya iinkcukacha kwaye zivelise amanqaku ekhredithi, i-Fair Isaac Inkampani ithi inqaku layo leFICO lisetyenziswe ngabaqeqeshi abangaphezulu kwamanye amazwe kunabanye. Amanqaku e-FICO ukusuka kwi-low-300 ukuya kwi-850 ephakamileyo. 720 ibonwa ngamanqaku amahle.
Amanye amaziko okubolekisa aya kunika amanqaku kuwe mahhala xa ufaka isicelo sesikweletu. Ezinye iinkonzo zokulungisa iikredithi kunye neenkonzo zokubeka iliso zemboleko ziza kunika amanqaku kuwe (okanye enye evela kwinkampani ekhuphisanayo) ukuba ubhalisele iinkonzo zabo ezihlawulwe. Unokufumana kwakhona amanqaku okuthenga ngetyala ngemali xa uyalela ingxelo yengxelo yemboleko kwenye yee-arhente ezinkulu zokubhengisa ngetyala, i-Experian, i-Trans Union ne-Equifax. Okanye, ungaya ngqo kwi-Fair Company Inkampani kwaye uthenge umlinganiselo weFICO ukusuka apho.
Kuthatha ixesha elingakanani ukufumana kwakhona amanqaku aMatyala aHloniphekileyo?
Abagcini bebhanki bavame ukuva kwiiklayenti ukuba malunga neminyaka emibili okanye ngaphezulu emva kokuba bafumane ukuxothwa kwabo, abo bathengi bafumana izibonelelo zemali-mboleko ngokufanelekileyo.
Oku kubonakaliswa ngokuthe ngqo kwinqanaba lekhredithi, elitshintsha njenge-bankruptcy kunye neminye iminyaka engafanelekanga yolwazi.
Amanqaku esikweletu aphucula njengoko izinto ezimbi zingasuswa kwaye izinto ezintle zakha. Nangona ukutsalwa kwebhanki kubonakala kwi-credit report kuze kube yiminyaka elishumi kwimeko yeSahluko 7 kunye ukuya kwiminyaka esixhenxe ukuya kwimeko yeSahluko 13 , enye ingcaciso engalunganga ehambelana ne-akhawunti nganye kufuneka iwele emva kweminyaka eyisixhenxe. Ngoko ke, ukuba i-akhawunti yomntu ingxelo ingxelo yokuba ifakiwe kwi-bankruptcy, loo ngcaciso engalunganga ayinakuchazwa ukuba ingaphezulu kweminyaka engama-7 ubudala.
Ngelishwa, i-fact of the bankruptcy file will continue to influence the score of credit by the fact that it continues to appear in the report of credit card, kwanjengokuba ulwazi olubi kwiingxelo ezibandakanyiweyo kwi-bankruptcy iyawa.
Kukho iindaba ezilungileyo, nangona kunjalo. Kukho uninzi lwezinto onokuzenza ukuze uncede ukuzisa amanqaku akho ekwerekheni kwibala elifanelekileyo. Ngaba ulungele ukwenza konke onako ukuphucula amanqaku akho? Ukuba kunjalo, jonga indlela yokuphucula amanqaku akho kwiNgxowa-mali emva koBhanki .
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