Inkokhelo- enye yezona zinto zibi kakhulu ezinokuthi zenzeke kumanqaku akho ekhredithi kuba ibonisa inkcitho enkulu. Olu hlobo lwesichazi-mali sokubhengeza ngetyala luyisiphumo sokulahleka imali encinci yekhadi lesikweletu ngeentsuku ezingama-180, okanye ezintandathu.
Emva kweenyanga ezintandathu zokuhlawulwa kwemali, umniki wekhadi lesikweletu uthi i-akhawunti yakho ilahlekelwe kwaye iyakubhala ingenakukhutshwa. Kodwa oko kuphela kwindlela yokuphendula.
Usukweleta i-akhawunti ye-akhawunti ehlawulisiweyo kwaye umthengi uya kuzama ukuqokelela ibhalansi eyadlulayo evela kuwe kwaye unokufuna uncedo lomqokeleli wetyala lomntu wesithathu.
Yintoni eyenzekayo xa Uhlawula ukukhutshwa komrhumo?
Ukuba uhlawula inkokhelo, ungalindela ukuba umvuzo wakho wekredithi ukhuphuke ngokukhawuleza. Ucimile ibhalansi yexesha elidlulileyo, umlinganiselo wakho wekhredithi kufuneka uhlawule ngoku, oko? Ngelishwa, akunjalo lula.
Ukuhlawula inkokhelo akuyikususa kwi-credit report yakho. Ukucima i-balance balance yexesha elidlulileyo aliyikucima into yokuba i-akhawunti yakho ihlawulwe ngokutsha. Ukuhlawula inkokhelo kwakhona akusayi kuphucula amanqaku akho-ngetyala-ubuncinane kungekudala.
Ngethuba lexesha, umlinganiselo wakho wekhredithi unokuphucula emva kokuhlawuliswa xa uqhubeka uhlawula onke amanye ama-akhawunti akho ngexesha kunye nokuphatha ityala lakho ngokufanelekileyo. Nangona kunjalo, ukuba unomva kwakhona okanye unayo enye i-akhawunti ehlawuliswayo (okanye into embi kakhulu njengokwenkcenkceshela okanye ukuhlaziya), umlinganiselo wakho wekhredithi unokuthi uphonononge ngakumbi kwaye ungathatha ixesha elide ukufumana kwakhona.
Ukuhlawuliswa ekugqibeleni kuya kugqithisa ingxelo yakho yekhredithi nokuba uyayikhokha okanye cha. Umyinge wexesha lokubhengezwa kwekhredithi yokuhlawulwa kwemali-mali iphuma emva kweeminyaka ezisixhenxe kunye neentsuku ezingama-180 ukususela ngomhla wokuhlaliswa kookuqala okwabangelwa ukuba i-akhawunti ihlawulwe.
Inzuzo yokuhlawula i-Pay-Off-Off yakho
Uninzi lwabantu luya kuhlawula kuphela ukuhlawulwa kwecala xa kuthetha ukuba bayakufumana ukwanda kwenyuka kwinqanaba labo lekhredithi.
Unokuba unyanzelekile ukuhlawula umrhumo wakho wokuhlawulwa, mhlawumbi awuyi kubona ukunyuswa kwamanqaku okutsalwa kwesikweletu. Nangona kunjalo, zikho ezinye izizathu ezifanelekileyo zokuhlawula umrhumo wakho wokuhlawulwa.
Umrhumo wokuhlawula ohlawulelwayo uhlala ungcono kunomvuzo ongenakuhlawulwa, ngakumbi ukuba uceba ukwenza nayiphi na izicelo kunye neenkampani ezijonga ngetyala lakho. Ababolekisi, abathengi kunye namanye amashishini awanamathuba okuba avumele izicelo zakho ukuba unesithuba esedlulileyo ngenxa yezilinganiso kwingxelo yakho yekhredithi. Ithumela umyalezo ongeke uhlawule nayiphi na i-akhawunti entsha. Emva kokuba uhlawule ukuhlawulwa kwecala, uphucula iziphumo zakho zokuba izicelo zakho zivunyiwe.
Ukuthetha ngeNtlawulo yokuCima
Abanye abathengi baye bakwazi ukuxoxisana nokususwa kweeakhawunti zokuhlawula nge-process ebizwa ngokuba yi- pay for delete . Kwinkqubo, unikezela ukuhlawula ngokutsha inkokhelo ngokugcwele ngokutshintshela ukuba isuswe kwingxelo yakho yekhredithi. Ababolekisi abafunwa ukwenza oku, kodwa ngamanye amaxesha bayavuma. Ukuba unokwenza uxoxisane nomvuzo wokususa (ingaba yinto edlulileyo), unokufumana ukwanda kwinqanaba lakho lesikweletu emva kokuba into isuswe kwingxelo yakho yekhredithi.
Indlela Yokugwema Ukukhutshwa Kwemali
Ngoku ukuba uyazi ukuba iakhawunti zihlawulwa emva kweenyanga ezintandathu zokuhlawulwa kweentlawulo, qaphela ukuba ugweme ukulahleka okunjalo.
Ukuqhubeka kwakho emva kweentlawulo zakho, kunzima ukuphinda uphinde ubanjwe. Ngoko ubanjwe kuyo nayiphi na intlawulo ephosakeleyo ngokukhawuleza. Ukuba ubona kwangaphambili iingxaki ezenza ukuhlawulwa kwekhadi lakho lesikweletu, qha ga mshelana nomniki-khadi wakho wekhadi ngokukhawuleza. Uyakwazi ukwenza ilungiselelo lokuhlawula eliza kukuvumela ukuba ugweme ukuhlawulwa .