Ukuba unetyala elibi okanye akukho ngetyala, umgomo wakho akuqinisekanga ukuba wakhe umlando weebhanki.
Akulona umlingo. Awukwazi ukufaka ngokuthe ngqo izinto kwiingxelo zakho zemali. Kunoko, kufuneka uxhomekeke kubabolekisi bakho nababolekisi ukuba uthumele izibuyekezo kwiimali zesikheti zemali-mboleko ngokusekelwe kwingxelo yakho yeakhawunti.
Kukho ezintathu ezinkulu zemali-mboleko : i-Equifax, i-Experian, ne-TransUnion. Ababolekisi owenza ishishini nabo bangabika ingxelo yakho yembali yeebhanki kwenye yee-ofisi zesikhokelo ngokusekelwe kubuhlobo babo obukhoyo kunye nelo ofisi. Ama-Burea asabelana ngolwazi kunye nomnye phantsi kweemeko eziqhelekileyo ukwenzela ukuba kukho i-akhawunti yakho inokuvela kuphela kwingxelo yekredithi.
Umlando weNkxaso-mboleko unokwakhiwa
Njalo inyanga okanye ngokunjalo abakhupha ngekhadi lakho lesikweletu nababolekisi bathumela ukuhlaziywa kwemo yakho ye-akhawunti. Batshela i-credit bureaus ibhalansi yakho yangoku, imbali yentlawulo kunye nezinye iinkcukacha malunga neakhawunti zakho. Ndilo lwazi olukunceda ukwakha umlando weebhanki ezithembekileyo, ukucinga ukuba iinkcukacha zeakhawunti yakho zilungile.
Oko kuthetha ukuhlawulwa ngexesha elifanelekileyo kunye nezikolo zemali zekhredithi enempilo .
Kuthatha ixesha lokongeza ulwazi oluchanekileyo kwingxelo yakho yekhredithi ngoko ungalindelanga ukuba kwenzeke ngobusuku, okanye kwiiveki ezimbalwa. Unokukunceda inkqubo ngokuba nomonde kunye noxanduva lwemali.
Kuthiwani Ukuba Awukho Akhawunti?
Udinga ii-akhawunti ezivulekileyo, ezisebenzayo, ezakhayo ukwakha umlando weebhanki.
Ukuba awunayo i-akhawunti evulekile, unokuzama ukufaka isicelo kwiintlobo zemakhadi-mboleko okanye iimali-mboleko kubantu abangenakho ikhredithi okanye i- credit card , njengekhadi lekhredithi elikhuselekile okanye ikhadi le-credit card. Kwaye, ukuba awukwazi ukuthotyelwa ngokwakho, isihlobo okanye umhlobo unokufuna ukukutyikitya okanye ukukwenza umsebenzisi ogunyazisiweyo kwenye yamakhadi abo ekwereta.
Sebenzisa iiAkhawunti zakho ngendlela efanelekileyo
Ngelixa uzama ukwakha umlando weebhanki ezithembekileyo, ufuna ukuphepha izinto eziza kukulimaza i-credit yakho . Oku kubandakanya ukuhlawulwa kwexesha elide, ukukhawulelwa kwemali ephezulu, kunye nezicelo ezininzi zekhadi lesikweletu.
Qala encinci. Lindela ukufumana umlinganiselo omncinci wesikweletu kunye nemali-mboleko, ekuqaleni, okt ngaphantsi kwama-$ 1,000. Ababolekisi nababolekisi baya kukulungisa ukuthenga i-credit ngaphezulu xa ubonise ukuba unokuba noxanduva oluncinane. Ungayisebenzisi imali eninzi ekhoyo kwaye uyibuyisele into oyibolekayo ngexesha nganye ngenyanga.
IiAkhawunti ezingenakuchazwa ngokuchanekileyo
Ukuba ingxelo yakho yekhredithi iqulethe ii-akhawunti ezimbi ezifanele ukuba zilungile, ungasebenzisa inkqubo yeengxoxo zengxoxo yekhredithi ukuze ulwazi lulungiswe. Ngokomzekelo, ingxelo yengxelo yemboleko ingabonisa ukuba ufike emva kwe ntlawulo oqinisekileyo oyihlawule ngexesha.
Ukulungisa iziphoso zeengxelo zemboleko, kufuneka uthumele ileta yengxabano kumaziko eemboleko zemali-mboleko esichaza impazamo kwaye unikeze ikopi yanobuphi na ubungqina obubonisa ukuba ulwazi aluyiyo.
I-ofisi iya kuphanda kwaye ihlaziye ingxelo yengxelo yakho yekhredithi ukuba uphando luxhasa ibango lakho. Ukuba akunjalo, unokulandelelana ngxabano ngokuthe ngqo kwishishini elibike ingxelo.
Ezinye iiMithetho ayiyi kuNcedisa iMali
Hayizo zonke iindleko ozihlawulayo nganye ngenyanga zichazwe kwiivenkile zesikratshi rhoqo. Umzekelo, i-cell phone yakho, ikhebula kunye neentlawulo zomshuwalense yomshuwalense awuncedi ukwakha imbali yeebhanki ezithembekileyo, nangona uhlawula ngexesha. Nangona kunjalo, ukuba ungagqibekanga kulezi ntlawulo (ngokuba ziinyanga eziliqela ukugqithisa), ukuhlawulwa kwexesha elidlulileyo kunokungeniswa kwingxelo yakho yekhredithi kwaye kwenzakalise inkqubela yakho ekwakheni amanqaku amatyala enhle.
Qaphela ukulungiswa kwemali- mboleko kunye neengcinga malunga nokuphucula amanqaku akho. Iinkampani zokulungisa iitaliti azinawo amalungelo kunye nembali yakho yekhredithi ongenayo.
Ukwakha iimbali zentengo enetyala ayikho nzima njengoko kubonakala ngathi. Vula i-akhawunti kwaye uhlawule umrhumo-mali ngexesha nganye ngenyanga kwaye uyakha umlando wesikweletu. Nika ixesha kwaye, ngexesha, uya kuba nokukwazi ukufumana imida yemali yekhredithi emikhulu kunye nemali-mboleko.