Enye yezinto eziyingozi kakhulu malunga nokuhlawulwa kwexesha elidlulileyo kukuba lichazwe kwi- bureaus ye-credit eyazi ukuba iya kuphazamisa amanqaku akho. Imali yokugqibela, unakho ukuhlawula kwaye uyenze, kodwa emva kokuhlawulwa kwexesha-mali kwi-credit report yakho, kuya kuba khona iminyaka eyisixhenxe, ukutyhila impazamo yakho kunoma ubani ohlola ingxelo yengxelo yemboleko ngelo xesha.
Iintlawulo Zesikhokelo kwiNgxelo yakho yeMboleko
Iintlawulo zexesha elide zixelwe kwi-credit bureau kwaye zongezwa kwingxelo yakho yekredenti ubuncinane iintsuku ezingama-30 emva komhla wokuhlawula.
Abanye ababolekisi okanye ababolekisi abanakho ukunika ingxelo ngeentlawulo ezigqithiseleyo kude kube seentsuku ezingama-60 ezidlulileyo ngenxa. Umboleki wakho unokukuxelela umgaqo-nkqubo wokubhengezwa kweentlawulo zexesha elide kwii-credit bureaus.
Ngenxa yendlela yokuhlawula ixesha elide lichazwe, ufumana ixesha elithile lobabalo lokuba ufike emva kwexesha ngaphandle kokuchaphazela ikhredithi yakho. Ukuba unemihla embalwa okanye iiveki ezimbalwa emva kwekhadi lakho lokuthenga ngetyala, unako ukudibanisa ukuhlawulwa kwexesha lexesha elide kwi-credit card yakho, nje kuphela xa wenza imali phambi kokuba ufumane uphawu lwama-30. Qinisekisa ukuba wenze inkokhelo epheleleyo ephosakeleyo ukugcina intlawulo emva kwexesha lakho ingxelo.
Amanye ama-akhawunti angenakho ukunika ingxelo ngeentlawulo zentsuku ezithe wenziwa emva kwee-credit bureaus. Ngokomzekelo, izixhobo zakho kunye neefowuni zexesha elide mhlawumbi aziyi kuhamba kwingxelo yakho yekhredithi ngaphandle kokuba ungagqibekanga ngokupheleleyo kwi-akhawunti. Ukuba uyaphulaphula ngalezi ntlawulo ezinikezelwa iinkonzo zakho kwaye ungaze uzibuyisele, kukho ithuba elihle ukuba i-akhawunti yakho iya kubikwa kwi-arhente yokuqokelela amatyala eya kuthi idibanise ingxelo kwi-credit report yakho.
Ezinye izigwebo zokuhlawula emva kwexesha
Nangona ukuhlawulwa kokugqibela kungeke kwenzeke kwingxelo yakho yeebhanki uze ube neentsuku ezingama-30 ngokukhawuleza, usenokujamelana nezinye iziphumo zokuhlawulwa kwexesha . Unokuhlawulwa umrhumo wokugqibela, emva kwemizuzu embalwa emva kokuhlawulwa kwakho kwentlawulo. Emva kokuba usufikelele kwiintsuku ezingama-60 kwi-card credit card yakho, umniki-khadi wakho wekhredithi angafaka isantya sohlawulo kwibhalansi nganye nyanga uze wenze iintlawulo ezintandathu ezilandelelanayo ngexesha elifanelekileyo.
Nangona ireyiti ibuyele kwisiqhelo kwi-balance balance yakho, ukuthengwa okwenziweyo emva kokuba isantya sohlwayo siphumelele sinokuthi sithobele isantya semali ephezulu ngokuxhomekeke kumagama akho ekhadi lesikweletu.
Ukuba ubambelela ngokwenza intlawulo esezantsi epheleleyo phambi komhla wokuhlawula kwakho ozayo, umhla wakho we-akhawunti elandelayo uza kubonisa ukuba i-akhawunti yakho ikhoyo ngoku. Nangona kunjalo, ukuhlawula kwexesha elidlulileyo lweentsuku ezingama-30 kuya kuhlala kwi-credit report yakho kwingxelo yemali yexesha lokubika ngetyala , eliyiminyaka esixhenxe.
Ngakolunye uhlangothi, ukuba ulahlekelwa yintlawulo yakho elandelayo, ukuhlawula kwexesha eli-60 emva kwexesha kuya kufakwa kwingxelo yakho yekredithi, emva kwe-90, 120, 150 kunye neentsuku eziyi-180 ngokukhawuleza. Kwiintsuku eziyi-180 ngokukhawuleza i-akhawunti yakho iya kuhlawulwa okanye ihlawulwe. Uzisa i-akhawunti yakho yangoku kwakhona naliphi na ixesha ngaphambi kokuba uhlawulwe. Ngelishwa, xa i-akhawunti ihlawuliswa, akukho ithuba lokufumana iintlawulo kwaye ukubuyisela i-akhawunti yakho kwindawo efanelekileyo. I-akhawunti ivalwe kwaye isimo siya kubikwa njengento ehlawulisiweyo.
Xa Kuphazamisa I-Score yakho yeMali-mboleko
Amanqaku akho ekhredithi aya kuthintela ngokukhawuleza ukuhlawulwa kwentlawulo kuboniswe kwingxelo yakho yekhredithi. Ngokomzekelo, ukuba ufikelela kumanqaku akho ekhredithi ngosuku ngaphambi kokuhlawulwa kwentlawulo emva kwexesha lokubakho kwirejista yakho kunye nomhla ekubonakalayo, uza kubona impembelelo ngqo kwimilinganiselo yakho yekhredithi.
Ukuhlawulwa kwexesha elide kunokubangela ukuba amanqaku akho ekhredithi ahlawule ngamanqaku amaninzi. Ngelishwa, umlinganiselo wakho wekhredithi awuyi kubuyiselwa ngokukhawuleza xa ufumene intlawulo kuba ufikeleleka awuyikucima inkokhelo kwimbali yakho yematyala.
Ngaba Unako ukususa ukuhlawula okukhawulezileyo kwiNgxelo yakho yeMboleko?
Ukuba ukuhlawulwa kwexesha elide kwabikwa ngephutha, unokuphikisana ne-bureau ye-credit ukuze uyisuswe kwingxelo yakho yekhredithi. Nika ubungqina bephutha, njengekopi yetshekhi esetyenziselwa ukwenza inkokhelo yakho, ukunceda impikiswano yakho. Ukuhlawulwa kwentlawulo ngokukhawulezileyo kunokunokuhlala ngokufanelekileyo kwingxelo yakho yekredithi iminyaka eyisixhenxe. Kukho ithuba elincinci lokukhishwa kwekhadi lakho lekhredithi kunokulungele ukususa intlawulo emva kokukhawuleza, kodwa kuya kufuneka ucele.