Yithini Imbali Yengxelo Yebizo?
Ukuba nomlando weebhanki ezingalunganga kuthetha ukuba unamaqela amaninzi engcaciso engalunganga kwingxelo yakho yekhredithi - uxwebhu oluqulethe iinkcukacha zentlawulo yakho kunye nomlando weakhawunti kunye nababolekisi nababolekisi.
Izinto ezininzi zingalimaza inkokhelo yakho, kodwa i- akhawunti yeebhanti engalunganga ibangelwa yii- akhawunti ezigqithisileyo ezinjengokuhlawulwa kwexesha, ukuqokelela amatyala, ukuhlawulwa kwemali, ukuhlaziya, ukuchithwa kwempahla, izahlulelo, iimbali zentlawulo, okanye i-bankruptcy kwingxelo yakho yemboleko. Ezi zinto zivela kwiintlawulo ezingekho kwiakhawunti zakho. Enye okanye ezimbini ezihlawulwa emva kwexesha kuphela aziyi kubangela imbali yengxelo yemboleko engalunganga, kodwa iintlawulo ezininzi emva kwexesha ziya kuba, ngokukodwa xa ufike kwixesha elifutshane kwiakhawunti ezahlukeneyo ngexesha elifutshane.
Ukuba nemilinganiselo ephakamileyo kumakhadi-mboleko kunye nemali-mboleko, xa kuthelekiswa nomda wakho wemali-mboleko okanye inani lemali-mboleko yangaphambili, kunokukhokelela kwimbali enetyala.
Indlela Yokuxelela Ukuba Unayo Imbali Yengxelo YeNyala
Ukujonga umlinganiselo wakho wekhredithi yindlela efanelekileyo yokulinganisa umlando wakho weebhanki.
Amanqaku akho ekhredithi yinani elenza amanqaku olwazi kwingxelo yakho yekhredithi. Umncinci wamanqaku akho ekhredithi, eyona nto iyakwenzeka.
Iziphumo ze-FICO - enye yeenguqu ezisebenzisiweyo zamanqaku akhotyala - uhla ukusuka ku-300 ukuya ku-850. Izikolo ekupheleni kwebala, ngokuqhelekileyo ngaphantsi kwe-650, zibonisa imbali yengxelo yemboleko.
I- VantageScore yenye yoluhlobo lwamanqaku eemali , ukusuka ku-501 ukuya ku-990. I-VantageScore unikezela ibhalana kwibakala, efana nebakala lesikolo, kunye nenani leenqaku lekhredithi eyenza kube lula ukuxelela oko kuthethwa ngamanqaku akho.
Ingxelo yakho yekhredithi yingxenye yesibini yokuphenya imbali yengxelo yeebhanki elibi ngenxa yokuba lixwebhu oluquka iinkcukacha ezimbi. Abathengi base-US banelungelo lokunika ingxelo yekhredithi yamahhala minyaka yonke. Unokufumana iingxelo zakho zamahhala ezivela kwiintlobo ezinkulu ezintathu zemali-mboleko - i-Equifax, i-Experian, kunye ne-TransUnion-nge-AnnualCreditReport.com. Ngaphandle koko, ungathenga ingxelo yengxelo yemboleko kwi-bureaus ye-credit okanye i-myFICO.com.
Ukuphucula umlando weTyala leMali
Iinkcukacha ezingalunganga zihlala kwiirekhodi lakho zemali ukuya kwiminyaka esixhenxe (okanye iminyaka eyi-10 yokutyunjwa). Ukuba ulwazi oluphazamisayo umlando wakho wekhredithi aluhambelani, unokuphikisana nolwazi kunye ne-bureau ye-credit ukuba isuswe.
Unokwazi ukususa izinto ezimbi kwiimbali zakho zekhredithi kunye ne- pay-for-delete okanye i- goodwill letter . Ixesha langaphambili yisicelo sokususa ulwazi olungalunganga ngokutshintshela intlawulo kwaye okokugqibela kuyisicelo sokususa izinto ezimbi njengento yokuthabatha.
Amashishini akufanele asuse ulwazi oluchanekileyo oluvela kwingxelo yakho yekhredithi ngexesha nje ezo zinto zingaphakathi kumda wexesha lokubika ngetyala. Ukuhlawula i-akhawunti ye-delinquent ayitshintshi into yokuba wayedla.
Isibhengezo "Ixesha liphilisa onke amanxeba," kunjalo yinyani nangembali yecala elilinzakeleyo. Njengoko ulwazi olubi lukhula, luya kuthintela amanqaku akho kwirejenti ngaphantsi. Unokuqala ukufumana amakhadi amatyala kunye namatyala-mboleko, kodwa ungeke ufumane imigaqo engcono kwizo. Unokwamkela imimiselo ephantsi kunye nemigangatho yemigangatho ephakamileyo de kubekho umlando wakho weentengo zemboleko ongcono. Sebenzisa la ma-akhawunti ukubonisa ukuba unokuphatha i-credit kunye nokongeza ulwazi oluchanekileyo kwingxelo yakho yekhredithi. Kuya kukunceda uphucule i-credit yakho kwaye ufaneleke kwiakhawunti ezingcono kwixesha elizayo.