Ngelixa unokufuna ukuba nomzimba omzimba, awufuni ukuba nefayili encinci yekredithi. Ifayili encinci yekredithi yimbali yemboleko enemibandela embalwa, ukuba kukho na, i-akhawunti zekhredithi. Unokuba nefayili encinci yekhredithi engazange ube ne-akhawunti ye-credit, bekuyiminyaka emininzi ukususela xa i-akhawunti yakho yokugqibela yesitaliti ivaliwe, okanye ukuba uvule i-akhawunti entsha yekredithi kwiinyanga ezintandathu ezedlulileyo.
Kukho iingxaki zokuba nefayile encinci yekredithi.
Xa wenza isicelo kwibhanki okanye enye ibhizinisi, baya kuqwalasela izinto ezimbini ezibalulekileyo: umlando wakho wekhredithi kunye nengeniso yakho.
Amashishini asebenzisa imbali yakho yekhredithi ukuvavanya amathuba okuba uya kuhlawula ibhilikhwe yenyanga kunye nengeniso yakho ukulinganisa amandla akho okubuyisela. Ifayili encinci yekhredithi ingakugcina ungavunyelwanga, nangona ukuba ingeniso yakho iya kukuvumela ukuba ufaneleke.
Ngokuxhomekeke kwindlela "elincinci" ngayo ifayile yakho yekhredithi, ishishini lingahle likwazi ukufumana amanqaku okuthenga ngetyala . Kwaye iifinest yeefayile zekhredithi, abayi kukwazi ukujonga ingxelo yakho yekhredithi kuwo onke.
Kule meko, isicelo sakho sinokuthi sinqatshelwe, okanye ukuba uvunyiwe, kufuneka uhlawule umyinge ophezulu. Kwiinkonzo ezithile, njengenkonzo yombane, kufuneka uhlawule idiphozithi yokukhusela ukuseka i-akhawunti.
Amanye amaqela abantu ayenako ukuba abe nefayile encinci yekredithi.
Ngokutsho kweFICO, umdali weFICO amanqaku kunye ne-FICO yokuQinisekisa ibakala, amaqela athile athambekele ekubeni neefayili zetyala elincinci. Oku kubandakanya abafudukayo, abaselula, abantu abasanda kutshatyalaliswa okanye aba ngabahlolokazi, okanye abantu abasebenzisa imali kakhulu.
Ukubalwa kwamanani okuthenga ngetyala, njengeFICO, akunakuvelisa amanqaku okuthenga ngetyala ngaphandle kokuba ubuncinane i-akhawunti enye evulekileyo ubuncinane kwiinyanga ezintandathu.
Ababolekisi bangakwazi ukusebenza ngefayili encinci yekredithi.
Ukuba unenkathazo yokufumana i-akhawunti entsha yekhredithi, cela umboleki ukuba asebenzise enye yamanqaku esikweletu okanye i- VantageScore okanye i-FICO yokwandisa amanqaku.
Zomabini ezi zixazululo zamanqaku ezikolo zemali zincinci ngakumbi kubaboleki abatsha kwaye unokukunika amanqaku okuthenga ngetyala xa umlinganiselo wesikolo we-FICO ungenako. Ngelishwa, abanye ababolekisi abayi kuqwalasela ezi ndlela zengeniso zemveli zebhanki zabbolekayo abaneefayili zetyala ezincinci.
Unokhetho oluninzi lokulwa nefayili encinci yekredithi.
Ikhadi lokuthenga ngetyala okanye i-gas okanye ikhadi elibhanki lakho langoku . Unokuqala ukwakha i-credit yakho ngokufumana ikhadi lekhredithi kunye nomboleki ovumela ababolekayo ngeefayile zeekhredithi ezincinci. Oku kubandakanya amakhadi ezithengiswayo kunye negesi. Unokufaka isicelo sekhadi lesikweletu kwibhankini apho unayo i-akhawunti yakho yokujonga okanye yokulondoloza. Ulwalamano lwebhanki olukhoyo lunokwenza kube lula ukufumana isicelo sekhadi lesikweletu.
Yiba ngumsebenzisi ogunyazisiweyo kwikhadi lomntu wesikweletu . Ukuba ngumsebenzisi ogunyazisiweyo uya kuvumela imbali ukuba loo akhawunti ibonakale kwingxelo yakho yekhredithi, kukuncedise ukuba ufumane enye i-credit.
Yenza umntu angene kunye nawe . Ukuba nomntu evula i-akhawunti edibeneyo okanye ekubhalela kuyo, kuya kunceda ukuba uqale ukwakha imbali yakho yekhredithi.
Vula ikhadi lekhredithi elikhuselekile . Uya kufuneka uhlawule idiphozithi yokhuseleko kwikhadi lekhredithi elikhuselekile, kodwa idiphozithi isetyenziswe kuphela xa ungagqibekanga kwikhadi lakho lesikweletu.
Idiphozithi yakho ayiyi kuba yindleko. Ngenkunzi ye-One One Mastercard ekhuselekile, unokukwazi ukuhlawula idiphozithi yokukhusela ngokuphantsi kwe-$ 49.
Faka isicelo sembolekisi yomakhi wekredithi kunye nomanyano wekredithi wendawo. Imali evela kwimboleko ifakwa kwi-akhawunti yokulondoloza ngelixa uhlawula iintlawulo zenyanga ngetyala, nje ngokuba uboleke ngenyanga leyo, kwaye iintlawulo zakho zenyanga zixelwe kwi-credit bureaus. Emva kokuba uhlawule "umboleko," iimali kwi-akhawunti yokulondoloza, kunye nomdla kwezinye iimeko, ngowakho ukugcina. Hlola kunye neemanyano zekredithi zakho zendawo ukuze ubone ukuba lolu hlobo lomboleko lukhona kwaye yini okufuneka uyenze ukuze ufaneleke.
Qaphela ukuba nangemva kokuvula i-akhawunti entsha, kuya kuthatha iiveki ezimbalwa ukuvela kwingxelo yakho yekredithi kwaye ubuncinane iinyanga ezintandathu ukubala amanqaku okuthenga ngetyala.
Ukuba ukholwa ukuba unesifayile esikhombise i-credit, i- Credit Karma inokuba luncedo. I-Karma yeMboleko, inkonzo yokukhangela inkokhelo yamahhala, inokukuxelela ukuba kutheni unesifayile esincinci sekhredithi kwaye uncoma amakhadi athile ekhredithi ekuncedeni ukwakha imbali yakho yematyala.