Yazi Ezi 9 Izinto Ezibalulekileyo Ngokulungiswa Kwetyala Lakho
Kunzima ukuhamba ngolu hlobo loluntu olunomvuzo omubi ngokubhekiselele kwinani leenkampani ezisebenzisa i-credit yakho ukuba zenze isigqibo sokuba ingawenza ishishini kunye nokubeka iirhafu zakho. Abathengi bembali yengxaki yematyala bahlala befuna ukulungiswa kwemboleko ukuphucula i-credit yabo ukuba babe nexesha elilula kwizezimali. Ukuqeshwa kwenkampani yokulungisa iitaliti kubonakala ngathi iyona ndlela ikhethekileyo, kodwa ngokuqhelekileyo iyona nto ikhethayo.
Njengoko ujikeleza ukulungiswa kwetyala kunye nokuvavanya indlela efanelekileyo yokuthenga ngetyala lakho, nantsi izinto ezibaluleke kakhulu ukuzazi malunga nokulungiswa kwetyala.
1. Unokwenza oko.
Abantu abaninzi bacinga ukuba iinkampani zokulungisa iitaliti kuphela ziyakunceda ukulungisa i-credit, kodwa inyaniso kukuba inkampani yokulungisa iitaliti ayikwazi ukwenza nto ongenakuyenza. Kukho ulwazi oluninzi olufumaneka kwiincwadi nakwi-intanethi ongayisebenzisa ukuze uzifundise ukuba i-credit works and what you can do to repair your credit .
Ukususwa kolwazi olubi , umzekelo, lunokwenziwa ngeendlela ezifana neengxelo zemali zemali-mboleko, ukuqinisekiswa kwetyala, ukuhlawula ukucinywa, kunye neencwadi zokunceda. Uninzi lwezi ziyiinkqubo ezifanayo zokulungisa iikredenti iinkampani zisebenzisa ukufumana ulwazi olubi oluvela kwingxelo yakho yekhredithi. Ukwenza oko ngokwakho kungekuphela kuphela okusindisa imali kodwa kukunika amandla kunye nokulawula kwimbali yakho yesikweletu.
Kukho ezinye iimeko kwixesha lakho elizayo ukuba ufuna ukuphucula ikhredithi yakho kwaye xa unokwenza ngokwakho, akufuneki ufumane uncedo kwiinkampani.
Ukulungiswa kwetyala kukumalunga neengxelo zakho zemali-mboleko, kungekhona umlinganiselo wakho wekhredithi.
Xa ulungisa i-credit yakho, ngokwenene usebenza ukuphucula ulwazi kwingxelo yakho yekhredithi.
Oku kukugqibela ekuchaphazela ukuba ngaba unetyala lekhredithi okanye i-credit card engummiselo kwaye uyisiseko semali yakho yekhredithi.
Ukujonga ingxelo yakho yekhredithi yinto yokuqala omele uyenze xa ulungele ukuqala ukusebenza ngetyala lakho. Unokufumana ikhophi yamahhala yengxelo yakho yekhredithi kanye ngonyaka ngokusukela kwi-ofisi enkulu yemali-mboleko - i-Equifax, i-Experian, ne-TransUnion - ngokutyelela ku-www.annualcreditreport.com.
3. Inani lakho lokuthenga ngetyala likunceda ukuba ubone apho i-credit yakho imele khona.
Ingaba unetyala elihle okanye elibi lisekelwe kwingcaciso kwingxelo yakho yekhredithi. Nangona kunjalo, kunzima ukujonga ingxelo yakho yekhredithi kwaye uxele ukuba i-credit yakho ilungile okanye imbi. Yingakho ukujonga amanqaku akho ekhredithi kuncedo ekulungiseni iitaliti. Umlinganiselo ophantsi wekhredithi ubonisa imbali engabikhoyo yekhredithi efuna umsebenzi. Njengoko umlinganiselo wakho wekhredithi uphucula, kubonisa ukuba umlando wakho wekredithi uphucula.
Amanqaku akho ekhredithi asekelwe kwiinkalo ezintlanu zolwazi: umlando wentlawulo, inani lematyala, imbali yembali yesikweletu, iintlobo zeeakhawunti zekhredithi, kunye nezicelo zamatyala zakutshanje. Ukuphucula i-credit yakho nganye kule mimandla kuya kwandisa amanqaku akho.
Ukuba ubungathengisa amanqaku akho esikhredithi rhoqo xa ufuna ukukhangela impilo yakho yekhredithi, kuya kuba kubi kakhulu.
Ukusebenzisa inkonzo yenqaku lekhredithi yamahhala njengeKharma Karma okanye iSesh Sesame kuya kukuvumela ukuba uqaphele inkqubela yakho yekhredithi ngaphandle kweendleko. Xa ubhalisela inkonzo yokujonga ngetyala, jonga umntu ongaceli ikhadi lekhredithi. Ngaphandle koko, kukho ithuba lokuba usayine ukubhalisa kwesivivinyo samahhala esiza kuqala ukukuhlawula inyanga nganye de ukhansele iinkonzo.
4. Ukususa ulwazi oluchanileyo lukhuni.
Ukugxininiswa ngokuchanekileyo . Iingxowa-mboleko zemali-mboleko zisebenza ngokusemthethweni ukuba zisuswe ingcaciso engachanekanga evela kwingxelo yakho yekhredithi. Ingaba ezo zichanekileyo zichanekile okanye zingekho miphumo. Yinyaniso ukuba ulwazi aluchanekanga okuvumela ukuba uyisuse kwingxelo yakho yekhredithi, kungekhona ukuba ayibi.
Xa ingxelo ngokuchanekileyo ngolwazi olubi lulimaza i-credit yakho, kunzima ukususa le ngcaciso kuba i-credit bureaus iphakathi kwamalungelo abo ukubika le ngcaciso.
Enyanisweni, ukunyaniseka kwenkqubo yemboleko kuxhomekeke kwi-bureaus yokubhengeza i-credit ukunika ulwazi oluchanileyo, kwanolwazi olubi.
Kukho izicwangciso zokususa ulwazi oluchanekileyo oluchanekileyo - njengengxelo yokuqokelela ityala olihlawulwa ngokusemthethweni. Ezi zicwangciso zingathatha ixesha elininzi kunye nomgudu kunengxabano echazayo yesikweletu. Kule ntlobo ze-akhawunti ukuqinisekiswa kwetyala (kwi-arhente yokuqokelela), hlawula ukucima, kunye nezicelo zokucima ukulungelelaniswa zizinto ezikhethileyo.
5. Ukungenzi nto ingaba sisicwangciso.
Ulwazi olungalunganga aluyi kuhlala kwi-credit report yakho ngonaphakade. Unolwazi oluninzi luya kuhlala kuphela kwingxelo yakho yeebhanki iminyaka eyisixhenxe. Kukho ambalwa ambalwa. Isahluko 7 se-bankruptcy kunye neenkontileka zerhafu ezingenakuhlawulwa zihlala kwiirekhodi zakho zemali ukuya kwiminyaka eyi-10. Izahlulelo ezingakhokhelwa zihlala zihlala kwingxelo yakho yekhredithi ngokwemimiselo yomgaqo weemimiselo zolu hlobo lwetyala xa ummiselo ungaphezulu kweminyaka eyisixhenxe.
Ukuba i-akhawunti isondela kwisiqingatha sexesha lokubhengezwa ngetyala, ukulinda ukuwa kungabangela uxinzelelo kunye nokuchitha ixesha kunokuzama ukususa i-akhawunti kunye neencwadana zokuphikisana okanye izicwangciso ezifanayo.
Ngokuchasene nenkolelo eninzi, ukuthatha inyathelo kwi-akhawunti engafanelekanga kwandisa umda wexesha lokubika ngetyala. Ngoko ke, ukuba uhlawula iqoqo leminyaka-matyala eneminyaka eli-6 ubudala, umzekelo, liya kushiya ingxelo yakho yekredithi emva konyaka wesixhenxe.
6. Ukuvala iakhawunti akuyi kunceda.
Kukho inkolelo ephakamileyo yokuba ii-akhawunti ezivulekileyo kuphela zifakwe kwingxelo yomntu wentengo yemali, ukuba ukuvala i-akhawunti kuyakususa kwi-credit report yabo. Uxolo ukudideka ukuba unethemba lokuba unako ukugcina i-credit yakho ngokuvala i-akhawunti ekunika iingxaki. Kwezinye iimeko, ukuvala i-akhawunti kunokwenzakalisa inqaku lakho lekhredithi.
Ukuvala i-akhawunti akusayi kususa kwi-credit report yakho. Zonke iinkcukacha malunga ne-akhawunti evaliweyo ziya kuqhubeka zidweliswe kwingxelo yakho yekhredithi njengoko kuchazwe ngababoleki bakho.
Ngaphambi kokuba [ukuvala iakhawunti], abathengi kufuneka bathathe ingqalelo kwezinye iimeko ezibandakanya amanqaku eemali, ezifana nobude bexesha i-akhawunti ivuliwe, "kusho uNancy Bistritz, uLawulo loLuntu kunye noNxibelelwano lweeNkcazo zeeNkcukacha zabathengi kwi-Equifax, omnye ezintathu ezinkulu ezinkulu zemali . "Ukuba uye wabonisa iintlobo zokuziphatha ezifanelekileyo ngexesha elimiselweyo kunye ne-akhawunti (oko kukuthi, ukuhlawula ngexesha ngalinye ixesha), ukuvala loo akhawunti ingenangqiqo."
Ukuba i-akhawunti inokuma kakuhle okanye inokubuyiselwa ekumeni kakuhle ngokubamba kwixesha elidlulileyo lemali, ukushiya i-akhawunti evulekile inokukunceda ukulungisa i-credit yakho. Uzakufuna i-akhawunti evulekile, esebenzayo kunye nomlando wokuhlawula okulungileyo ukuphucula umlinganiselo wakho wekhredithi. Ukuvula ii-akhawunti ezintsha kunye nomlinganiselo ombi wekhredithi kunokuba nzima ukwenzela ukuba ukulungiswa kweakhawunti osuvulekileyo kunokuba lula.
7. Iinkampani zokulungisa izitalato zihlala zingathembeki.
Iinkampani zokulungisa iitaliti zenza umsebenzi omkhulu wokukhuthaza iinkonzo zabo kubaxhasi abasemngciphekweni abafuna i-credit engcono kodwa bengacacanga ngokucacileyo ukuba i-credit isebenza njani okanye ingakanani impembelelo abanayo ngaphezu kwamanqaku abo esikweletu.
Iinkampani ezininzi zokulungisa iikredenti zenza izithembiso eziphakamileyo - zihlala zithembisa ukuba azikwazi ukuzalisekisa - zihlawulisa iimali ezingaphambili kwaye zihluleka ukuhambisa iinkonzo zazo. Konke oku kungavunyelwe ngumthetho we-Federal, kodwa abathengi abangaqhelekanga ngomthetho abayi kuqonda ukuba bathatyathwa ngaphambi kokuba bafike kakhulu.
Kule minyaka emininzi edlulileyo, i-Federal Trade Commission iye yaqhuba ezininzi iinkampani zokulungisa iitalenti eziye zaphule umthetho. Ezi nkampani zivame ukufuneka zihlawule iintlawulo ezinkulu kwaye kwezinye iimeko zivaliwe ukuba zenze ishishini kwishishini lokulungisa iitaliti.
Impawu ezimbalwa ojongene nenkampani yokulungisa ngetyala : bacela ukuba uhlawule ngaphambili ngaphambi kokuba nayiphi inkonzo iqalise, khankanya ulwalamano kunye noorhulumente okanye ulwalamano olukhethekileyo kunye ne-credit bureaus, uthembisa umlinganiselo othile wesikweletu, uthembisa ukususa ulwazi oluchanekileyo ukusuka ingxelo yakho yemali, ayikwazanga ukukwazisa ilungelo lakho lokuphikisana ngolwazi ngqo kunye ne-bureaus ye-credit, okanye ukucela ukuba unyuke amalungelo akho phantsi koMthetho wokuLungisa iMali.
8. Awunakulindela iziphumo zobusuku.
Kuthatha ixesha lokwakha kwakhona umlando weebhanki ezibi. Amanqaku akho ekhredithi aqwalasela imbali yakho yakutshanje yamatyala ngokubaluleke kakhulu kunezinto ezidala. Umlando wentengo enetyala kuthiwa unenani elincinci lokungena okungahambiyo kunye nolwazi oluninzi lwengxelo yesikweletu. Iinyanga ezimbalwa zee-intlawulo zexesha lixesha elifanelekileyo kwinqanaba elifanelekileyo, kodwa aliyi kukunika ikhredithi enkulu kakhulu. Njengoko ixesha lihamba kunye nolwazi olubi luwa okanye luba lukhulile, kwaye ulususe ngolwazi oluchanekileyo, uya kubona i-credit yakho iya kuphucula kancane kancane.
Ukulungiswa kwetyala elibi lithatha ixesha , ngoko kubalulekile ukuba ube nesineke kwinkqubo. Isixa sexesha esithathayo siyahluka ukusuka kumntu ukuya komntu kuxhomekeke kwingcaciso kwingxelo yakho yekhredithi kunye nendlela ohamba ngayo malunga nokulungiswa kwetyala. Unokubona ngokukhawuleza xa into ethile isusiwe kwingxelo yakho yekhredithi.
Ukongezelela, umlinganiselo wakho wekhredithi unokutshintshana ngexesha lokulungisa iitaliti njengoko ulwazi kwingxelo yakho yekhredithi liguquka. Musa ukutyhaxwa ngamaconsi kwimilinganiselo yakho yekhredithi . Gxininisa kumgangatho oqhelekileyo wokuba umlinganiselo wakho wekhredithi kwixesha elide kunokuba utshintshwe imihla ngemihla.
9. Ikhredithi yakho ephuculweyo ayiyi kuhlala xa ungatshintshi imikhwa yakho.
Abantu abaninzi baya kulungiswa ngetyala-nokuba bazenza ngokwabo okanye baqeshe inkampani - ukuze babole imali, ngemali mboleko okanye umboleko wemoto, umzekelo. Akukho nto iphosakeleyo ngale nto. Abantu abaninzi, ngelishwa, bafumana ukubuyela kwimeko efanayo kuba baboleka ngokufanelekileyo, bephelile ngamatyala angaphezu kwamandla abo kwaye banokubuyisela emisebenzini yeentlawulo ezingekhoyo.
Ukuba ufuna ukuthenga i-credit yakho efanelekileyo, kufuneka usebenzise imikhwa eya kugcina i-credit card . Oku kuthetha ukuboleka kuphela oko unokukwazi ukuyihlawula ngokukhawuleza (kwaye mhlawumbi ncinane ngaphantsi). Ukuhlawula iindleko zakho ngexeshana mhlawumbi enye yezinto ezilungileyo kakhulu ongayenza ngetyala lakho.
U-Nancy Bistritz uthi, "Xa kuziwa ekutyala imali, umyalelo omkhulu wokukhumbuza ukuhlawula iindleko zakho ngexesha ngalinye. Ababolekisi nabathengi bafuna ukwazi ukuba unako ukwanelisa izibophelelo zakho zezimali ngexesha ngalinye. Ngoko ke, ukuhlawula iindleko ngethuba kubalulekile, ukuziphatha okubalulekileyo ukusekwa kwangaphambili. "