Ukuhlaliswa kwetyala kuya kuthinta njani iNgxowa-mali yakho?
Ukuhlawulwa kwematyala kuthetha ukuba wenze isivumelwano kunye nabakholekisi bakho ukuhlawula ngaphantsi kwebhalansi ngenxa yokwanelisa ityala lakho. Ngokomzekelo, ukuba umniki wekhadi lakho lekhredithi uyavuma ukufumana intlawulo ye-$ 2,000 kwi-$ 5,000. Xa ityala lilungiswe, umboleki-mali uhlaziya ingxelo yengxelo yemboleko ukubonisa isimo "se-Settled" okanye "esihlawulelwe ukuhlawulwa." Nangona i-"Settled" isimo sincinci kangcono kunesimo "esingenakuhlawulwa", nayiphi na imeko yentlawulo ngaphandle kwe "Ukuhlawulwa kuvunyelwene "okanye ukuhlawulwa ngokupheleleyo" kubi ngetyala lakho.
Ngenxa yokuba awuhlawulanga ibhalansi yakho epheleleyo njengoko kuvunyelwene ngayo, ukuhlawulwa kwetyala kuya kuba nefuthe elibi kumanqaku akho ekhredithi. Ikhredithi yakho isekelwe kwimibandela eyahlukeneyo, ngoko Kunzima ukuqikelela ukuba zingaphi amanqaku ekhredithi oza kulahleka ngenxa yokuhlawulwa kwetyala. Nangona kunjalo, siyazi ukuba ukuhlawulwa kwetyala kungabangela impembelelo enkulu kumanqaku akho ekhredithi.
Yiyiphi i-FICO Ethetha Ngokwemali yokuTyala kunye neKhorensi yakho yeMboleko
Ngo-2009, i-FICO ikhishwe ulwazi lwelahleko lwe-FICO ngokusekelwe kubathengi ababini abaxhomekeke kwiimali ezihlukeneyo zemali. Kwimeko enye, umntu onama-680 amanqaku okuthenga ngetyala (oye wayesekhokhelwa emva kwekhadi lesikweletu) uya kulahleka phakathi kwama-45 no-65 amanqaku emva kokuhlawulwa kwetyala kwikhadi lekredithi enye, ngelixa umntu onamanqaku angama-780 amakhredithi (engekho iintlawulo) ziya kulahleka phakathi kwama-140 ne-160 amanqaku.
Umlinganiselo wakho wekhredithi unokufumana utywala olufanayo xa unesiprofayili sekhredithi efana nale miba kwaye ulungisa ityala elinye kuphela.
Amanqaku akho ekhredithi awela phantsi xa uhlala kwiakhawunti ezininzi.
Unokukwazi ukuqikelela phambili impembelelo yentlawulo emva kwexesha lakho lekripthi lekhredithi usebenzisa i-FICO Score Simulator, ekhoyo xa uthenge i-FICO Score Watch kwi-myFICO.com.
Ukuhlawula okuKhatywayo kwangaphambili UkuTyala kweMatyala
Ukuhlawulwa kwematyala kuya kubangela ukuba amanqaku akho ahlawulwe ngamatyala eninzi xa iikhadi leemali-mboleko ozinzileyo sele sele limi kakuhle kwaye xa ugqiba ukulungisa amanqaku amaninzi ekhadi lekhredithi.
Uninzi lweenkampani zokuhlawula amatyala ziya kukucebisa ngenjongo yokuwa emva kweentlawulo zakho ukwenzela ukuba ababolekisi bazimisele ngokuvuma ukuhlawulwa kwemali kwi-matyala. (Ababolekisi bavame ukukhuthazwa ukulungisa izikweletu ezinobungozi bokungakhokhelwa.) Ukulandela iingcebiso zeenkampani zokuhlawula ityala kuthetha iinyanga ezininzi zokuhlawulwa kweentlawulo eziye zonakalise i-credit yakho ngaphambi kokuba uhlawule ityala.
Ingcaciso yokuhlawula amatyala iya kuhlala kwi-credit report yakho iminyaka engama-7, kodwa iya kuba nefuthe elincinci kumanqaku akho ekwereti ekudala ulwazi lufumene kwaye ulwazi oluninzi luyongezwa kwingxelo yakho yekhredithi.
Ukwakha kwakhona iMboleko Yakho emva kokuhlala kwetyala
Gcina ukhumbule ukuba injongo yokuhlawulwa kwetyala kukukrazula enye ityala lakho, ingakumbi ukuba awukwazi ukuhlawulela zonke izilinganiso ngokupheleleyo. Oku kunokuthetha ukuba uhlawula ixeshana zakho zekhredithi okwesikhashana - ingakumbi ukuba awukhange umbolekisi omkhulu ngoku ngokufanelekileyo - ngenxa yokuphuma kwetyala.
Emva kokuba ulungise izilinganiso, unokugxila ekuvuseleleni kwakhona amanqaku akho ekhredithi . Ekubeni i-credit isekelwe ekubolekeni, kuya kufuneka usebenzise amakhadi-mboleko okanye iimali-mboleko zokuvuselela ikhredithi yakho. Ukuboleka ngokuxanduva kunye neentlawulo ezifikeleleko ziphambili ekufezekiseni umgangatho omhle wokuthenga ngetyala kunye nokuphuma kwetyala.