Ingqinisiso okanye iNgxowa?
Iintlawulo ezizayo zivela kwiingxelo zakho zemali-mboleko xa ababolekisi babika ukuba uhlawule ngokukhawuleza.
Oku kwenzeka ngeendlela ezimbini:
- Uhlawule ngokukhawuleza, kwaye umnini-mboleko uthetha inyaniso.
- Awuzange ukhokhe ngokukhawuleza, kwaye umnini-mboleko okanye i-credit bureau wenza iphosakelo engeza intlawulo kwingxelo yakho.
Ukuba ingxelo ichanekile , kuya kuba nzima nakwexesha lokufumana intlawulo kwiingxelo zakho - kwaye kungenzeka ukuba akunakwenzeka.
Ukuba ukuhlawulwa kwexesha elide kuyimpazamo , kufuneka kube lula ukulungisa impazamo : fayile impikiswano echaza ukuba kukho impazamo, kwaye ufuna ukuba inkokhelo isuswe. Sebenzisa i-courier (njenge-FedEx okanye i-UPS) okanye uthumele ileta ngu-USPS ngesicelo sokubuyisela iReceive. Ababoleki kufuneka balungise amaphutha, kwaye ukuhluleka ukwenza njalo kukuphula umthetho we-Fair Credit Reporting Act (FCRA). Ukulungiswa kwephutha kunokuthatha iiveki ezimbalwa, kodwa unokukwazi ukukhawulezisa inkqubo usebenzisa i-rescoring ngokukhawuleza . Ukuhlawula ukulungiswa ngokukhawuleza ngokuqhelekileyo kunengqiqo xa uphakathi kwithengi lekhaya okanye enye intsebenziswano ebalulekileyo.
Indlela Yokufumana Iintlawulo Zasekupheleni
Ukuba ukuhlawulwa kwexesha elifutshane kuchanekile, usenokucela ababolekisi ukuba basuse intlawulo kwiingxelo zekredithi. Akunakufuneka ukuba benze njalo, kodwa bazimisele ukufumana isicelo sakho, ngakumbi ukuba enye okanye ngaphezulu kwezi zilandelayo zisebenza:
- Unesizathu esisemthethweni sokuhlawula ngokukhawuleza (ukuhlala esibhedlele, inhlekelele, iimpazamo zeebhanki).
- Unokubanika into ngokubuyisela.
- Ngenye indlela uhlawula iindleko zakho ngexesha (okanye uhlawule ngexesha elitsha).
Ukongeza kwimiba engentla, uya kuba nemiphumo engcono xa ucela kakuhle. Khumbula ukuba ucela omnye umntu ukuba akuncede ngento ethile-engeyomsebenzi - ayimfuneko. Le yimeko ebangela uxinzelelo kwaye ibalulekileyo kuwe, okwenza kube nzima nakakhulu, kodwa iziganeko zakho zihlala zingcono xa unokuzihlaziya ngokucacileyo icala lakho uze ucele uncedo.
Mane ubuze: Indlela elula kukuba ucele nje umnini-mboleko wakho ukuba athathe intlawulo emva kwexesha lakho ingxelo. Oko kufanele kususe ulwazi oluvela kwimvelaphi yalo ukuze kungayi kubuya kamva. Kukho iindlela ezimbini zokwenza le sicelo:
- Shayela umnini-mboleko wakho kwifowuni uze ucele ukuba inkokhelo isuswe. Umntu wokuqala othetha naye kakhulu ungeke akwazi ukukunceda. Ukubuza ngokusemthethweni ukuphucula umba kwaye uthethe nomphathi okanye isebe elingavuma isicelo sakho. Emva kokuba unabo kwifowuni, yenza ityala lakho ngokuzithoba.
- Bhala ileta uze ucele ukususwa. Ngokuqhelekileyo eyaziwayo njengencwadi yokunceda , ezi zicelo zikuvumela ukuba uchaze ngokucacileyo ukuba kutheni inkokhelo kufuneka isuswe, kwaye kulula ukufaka ubungqina obuxhasa lakho ityala. Ubungqina obuninzi, bhetele.
Ukuxoxisana: Ungaphumelela nokuba unika umnini-mboleko wakho into ayifunayo. Ngokomzekelo, ukuba ungasemva kweentlawulo, unokuthi uphakamise ukuhlawula yonke into oyibole ngaso ngokukhawuleza (mhlawumbi kuquka iifizi zentlawulo) ngokutshintshiselwa ukufumana iintlawulo ezikhawulezileyo zisuswe. Ngaphandle koko, unokunikela ukuba usethe iintlawulo ngokuzenzekelayo ukuqinisekisa ukuba iintlawulo zifika ngexesha elizayo. Fumana izivumelwano ngokubhala phambi kokuba uthumele inkokhelo enkulu kumboleki wakho.
Yihlawule: Enye inketho elula kukubanjwa kuphela (okanye ukuhlawula ityala olihlawulwayo). Nangona kunjalo, ukuhlawulwa kwexesha lemali kwimbali yakho yeebhanki kuya kuhlala iminyaka eyisixhenxe, okwenze kube nzima ukufumana imvume yokubolekwa kwemali mboleko kunye ne-inshorensi. Emva kwelo xesha, iintlawulo ziya "ziwa" iingxelo zakho zemali-mboleko - abayi kuphinda baboniswe kwabanye, kwaye abayi kuba yingxenye yamanqaku akhotyala.
Ukuba kukuphela kwenketho onayo, kungcono ukuba neentlawulo ezimbalwa zexesha elide (ekugqibeleni unamathele) kunye neentlawulo-ntlawulo.
Fumana uncedo lomthetho: Ezinye iimeko zinzima kakhulu ukuba udinga uncedo lobuchwepheshe. Ummeli wengingqi unokuhlaziya ityala lakho kwaye unikele ngesikhokelo kwizinto ezinokukhetha ezongezelelweyo ezingase zifumaneke phantsi kwemithetho yombuso kunye nombuso.
Ukuba awuphumelelanga
Zama kwakhona: Isicelo sakho sokuqala asikwazi ukuphumelela. Oko kulungile - cela amaxesha ambalwa kuba unokufumana inhlanhla enomntu ohlukile. Ekugqibeleni, unganakho ukufumana ezo ntlawulo zisuswe, kwaye uya kufuneka uhlale nabo.
Yakha kwakhona i-credit yakho: Ngokukodwa ngokuhlawulwa kwexesha elifutshane kwiingxelo zakho, kuya kufuneka ubeke umsebenzi othile wokwakha kwakhona i-credit yakho. Into ebaluleke kakhulu ongayenza kukuba ugweme iintlawulo ezongezelelweyo emva kwexesha - ufumane iintlawulo zakho ngexesha. Thumela kuzo iintsuku ezimbalwa, kwaye ubhalise kwiintlawulo zekhompyutha (ubuncinci kwintlawulo encinci) ukukhusela iingxaki. Ukongeza imali yokubolekwa kweefowuni ezintsha kunye nokubuyisela ixesha ngexesha nako kunokunceda, kodwa ukuboleka kuphela ukuba kunengqiqo ukuboleka - musa ukwenza nje ukuzama kunye nomdlalo wenkqubo yemboleko.
Ukuboleka ngekhredithi engalunganga: Amanqaku akho aya kuba phantsi xa ezo ntlawulo zikhawuleza, kodwa oko akuthethi ukuba awukwazi ukuboleka. Isibalulekileyo kukuphepha ababolekisi bemali (njengabalimi abahlawula imali) abahlawulisa iirhafu eziphezulu kunye namanani enzala.
- Imali-mboleko ye-FHA inokunika inkxaso-mali yokuthenga ikhaya , nangona ungekhredithi epheleleyo. Awunakho ukuhlawulwa kwexesha elidlulileyo kwiinyanga ezili-12 zokugqibela kwiingxelo zakho zemali (iinyanga ezingama-24 zingcono), kodwa imiba embalwa kwixesha elidlulileyo kufuneka lingadlulanga isicelo sakho semboleko.
- Umbhalo wokubhala phantsi uvumela ababolekisi ukuba bavume iimali-mboleko ezingenakuvunywa ngaphandle koko. Endaweni yokwenza isicelo sichithwe yikhompyutheni (ngenxa yokuhlawulwa kwexesha elide), unokwenene ukuphonononga kwakhona imeko yakho . Ulwazi olongezelelweyo, njengeemeko ezongeziweyo kunye nelokuba uhlawula irenti yakho kunye neetyala zamatyala ngexesha, kunokukwenza umehluko kwaye ukhokele ekuvunyelweni.
- Umququzeleli unokukunceda ufumane imvume yokubolekisa ngemali kunye nemali mboleko yomfundi. Umququzeleli usebenza ngemboleko kunye nawe kwaye uthembisa ukwenza iintlawulo xa uhluleka ukwenza iintlawulo ngexesha. Ababolekisi baya kujonga amanqaku kunye neengeniso zemboleko ze-cosigner kunye nokuvavanya isicelo sokubolekisa ngemali ngokusekelwe kwikhono lomququzeleli wakho wokubuyisela umboleko. Ukufumana iinkcukacha ezithe vetshe, jonga indlela usebenza ngayo .
Ngaba Iintlawulo Zengqesho Ezizayo?
Imbali yakho yokuhlawula iyona nxalenye ebaluleke kakhulu kumanqaku akho okwekhredithi ye-FICO, nge-35% . Nangona iirekhodi zakho zemali-mboleko zisesimo esifanelekileyo, enye inkokhelo yokukhawuleza inokulimaza i-credit card yakho, kwaye abo "baqeshwe" baya kuhlala kwiirekhodi zakho zemali ukuya kwiminyaka esixhenxe ngaphandle kokuba wenze okuthile ngabo.
Impembelelo ebanzi: Ababoleki bavavanya i-credit yakho ukuvuma okanye ukunciphisa izicelo zokuboleka imali, kodwa i-credit yakho ibonisa nakweminye imimandla. Ikhredithi enamandla ingenza kube lula ukufumana umsebenzi, uthenge i-inshurensi efikelelekayo, kwaye urente ikhaya okanye indlu.
Mangaphi amanqaku? Impembelelo yentlawulo enye emva kwexesha ixhomekeke kwimibandela emininzi, kubandakanywa ukuba ngaba ngababolekisi bakho bayixelele ngenene ukuhlawulwa kweentengo zemali kwiingxowa-mali.
- Kufike kade? Iintlawulo ezingaphantsi kweentsuku ezingama-30 ngokukhawuleza akunakwenzeka ukuba zivele kwingxelo yakho yekhredithi. Emva koko, iintlawulo zizahlula (iintsuku ezingama-30, iintsuku ezingama-60, iintsuku ezingama-90, njalo njalo, de kube i-lender ibiza inkokhelo epheleleyo). Ukuhlawulwa kweentsuku ezingama-90 kuphelile kunempembelelo enkulu kuneentsuku ezingama-30 ngokukhawuleza. Ukuhlawula iintsuku ezimbalwa ngokukhawuleza kunokusichaphazela ikhredithi yakho, kodwa kuya kufuneka ukuba uhlawule izigwebo kumboleki wakho, kwaye unobungozi ukuba i-akhawunti yakho ivaliwe.
- Kaninzi kangaphi? Inye okanye ezimbini zokugqibela zihlawulwe ngokuqinisekileyo ziyonakalisa i-credit yakho, kodwa umonakalo ulinganiselwe ukuba unqanda ukwenza umkhwa kuwo. Ukuba uhlala uhlawula ngokukhawuleza okanye unako ukuhlawulwa ngokukhawuleza kwimali-mboleko emininzi, umphumo mkhulu.
- Kutshanje njani? Ukuhlawulwa kwexesha elikhawulezileyo kunempembelelo ngokukhawuleza kwinqanaba lakho lekhredithi kuba amanqaku aklanyelwe ukuqikelela ikusasa, kwaye ungeze ulwazi olutsha kumzekelo wokulinganisa. Sekunjalo, kunokuba luncedo ukususa iintlawulo ezisekupheleni kweminyaka emininzi ngenxa yokuba nayiphi na into engeyiyo ekhredithi yakho iya kunzima amanqaku akho.
I-Equifax, enye yee-arhente ezinkulu zokubhengisa ngetyala, iingxelo ukuba umboleki onetyala elifanelekileyo unokubona ukuba i-100-point drop down first time they pay 30 days later (the score falls from 780 to 680). Ukuba sele sele unamanqaku angama-680 kwaye enye okanye ezimbini zihlawulwe emva kwexesha, amanqaku akho angawa ngamanqaku angaphezulu angama-70 xa uthe wongeza enye yentlawulo yeentsuku ezingama-30. Ngokusekelwe kulawo manani, ukususa intlawulo ebangela ukuba ukuhla kweepalati ezili-100 kulungelelaniswe iifowuni kunye neeleta ezimbalwa.