Ukukhawuleza, Ukuphakamisa Amancinci kunokunokusindisa imali
Ngethamsanqa, ukulungiswa ngokukhawuleza kukuvumela ukuba ufumane ngokukhawuleza iirekhodi zakho zekredithi, kwaye ungabona amanqaku aphezulu ngaphakathi kweentsuku ezimbalwa nje.
Ukusebenza nababolekisi ngokwakho, izenzo ozithathayo namhlanje zingathatha inyanga enye okanye ngaphezulu ukubonisa kwiingxelo zakho zemali. Kodwa ababolekisi (kunye neenkontileka zokuthengisa) banexesha elidlulileyo, kwaye amanqaku ekhredithi atholakalayo kumboleki wakho namhlanje iya kusekelwe kwingcaciso ngoku iboniswe kwiifayile zakho zekredithi. Ukuba awukwazi ukuhlangabezana nomhla wokugqibela wezimali kunye nesilinganiso ofunayo (okanye ukuba amaxabiso aqhubela phezulu ngelixa ulinde), kuya kufuneka wenze ukhetho olunzima.
Yintoni ekukhawuleza ukuyibuyisela?
Ukurhoxiswa ngokukhawuleza yinkonzo ababolekisi basebenzise ukwenza izibuyekezo ezikhawulezayo kwiingxelo zekredithi. Injongo kukuphucula ulwazi kwimbali yakho yematyala, okubangela ukuba umlinganiselo wekhredithi ophezulu. Ngokususa izinto ezimbi, ukunciphisa izilinganiso zemboleko kunye nokulungisa iziphene, kunokuthi kube lula ukufumana imvume yemboleko ephantsi.
Le nkqubo ibizwa ngokuba "ngokukhawuleza" kuba ukuhlaziywa kukhawuleza. Esikhundleni sokulinda ulwazi kwiingxelo zekhredithi ukuba zihlaziywe ngxelo zeengxowa ezihleliweyo, uza kuhlaziywa ngolwazi ngolwazi lomboleki wakho.
Umzekelo, ukuba uhlawula ikhadi lokuthenga ngetyala, loo ngcaciso inokunyanzelwa kwi-credit bureau emva kweentsuku ezimbalwa emva kokuba intlawulo yakho ifunyenwe, kwaye unokwenza ucele umlinganiselo wekredithi ohlaziyekileyo kwi-bureau ye-credit.
Ukurhoxiswa ngokukhawuleza akuyona into ongayenza ngokwakho. Ukusebenzisa le nkonzo, kuya kufuneka usebenze ngetyala (kaninzi umboleki oyisebenzisayo ukuthenga ikhaya okanye ukuhlaziywa ).
Umboleki wakho unalo ubudlelwane kunye nabanikezeli benkonzo yesithathu abaphethe iinkqubo zokuhlaziya i-credit yakho, kwaye umboleki wakho unakho ulwazi olufunekayo ukufumanisa ukuba ukulungiswa ngokukhawuleza kuya kuba luncedo.
Ukukhawuleza Ukugcina Iimzekelo
Umzekelo # 1: Umrhwebi wakho wemali usebenzisa umfanisi wekhompiyutha ukubona ukuba unethuba lokuphucula ikhredithi yakho. Ukuba uphakamisa amanqaku akho ngamanqaku angama-20, uya kuhlawula umntu obolekayo ohlawula umlinganiselo wesithakazelo esincinci. Ummemezeli uthi unokukwazi ukufezekisa oku ukuba uhlawula phantsi ukulinganisela kwekhadi lakho lesikweletu ukuze usebenzise ngaphantsi kwama-30 ekhulwini lomlinganiselo wakho wesikweletu . Usenokuhlawula amakhadi akho rhoqo ngenyanga, kodwa inkampani yakho yekhadi lekhredithi ithatha i-snapshot xa ibhalansi yakho iphakamileyo, ngoko ke umzekelo wemali-mboleko ucinga ukuba ukhulula amakhadi akho. Ukuba unayo imali ekhoyo (okanye usandula ukuhlawula amakhadi), hlawula ityala kwaye usebenzise ngokukhawuleza ukuhambisa ulwazi olutshanje kwi-credit bureau. Fumana amanqaku amatyala omtsha, kwaye (ngokufanelekileyo) uvumeleke kwizinga elingcono.
Umzekelo # 2: Xa ufaka isicelo semali mboleko, ubona iphutha elikhulu kwi-credit report yakho. Umboleki wachaza ukuba awuzange uhlawule imali mboleko, kodwa awukwazi nto malunga nalo mboleko.
Unokubika ingxelo yakho kwaye uyifudumele ngokukhawuleza, kodwa awufuni ukulinda (kuya kuthatha inyanga enye ngaphambi kokuba umlinganiselo wakho wekhredithi ukhuphuke). Ukusebenza nomboleki wakho wemali mboleko, uyaphikisana nento, kwaye iingxelo zakho zekredithi zihlaziywa ngokukhawuleza. Xa iphosakele isusiwe, uqukumbela ngamanani amanqaku aphezulu, anembile.
Yiyiphi i-Rapid Rescore ayenziyo
Ukuchaneka kubalulekile: Ukukhutshwa ngokukhawuleza kwintsebenzo kuqhuba inkqubo yokuhlaziya iingxelo zakho zemali. Nangona kunjalo, isebenza kuphela ukuba ulwazi olunikezelayo luchanekile. Ukuba kukho ukungena okuphosakeleyo kukuthi ungekho embolekweni mboleko , ukukhutshwa ngokukhawuleza kunokuncedisa ukuba loo nkcukacha isuswe ngokukhawuleza. Ukuba ngaba ungekho phantsi kwemali mboleko, awuyi kukhangela into engafanelekanga okwethutyana (akusiyo "inkohliso" ukuphucula i-credit yakho ngokukhawuleza ukuba ufumane imvume yakho).
Ukulungiswa kwemboleko: Ukulungiswa ngokukhawuleza akukona ukulungiswa ngetyala- kungumzila ocacileyo wokufumana ulwazi kwiivenkile zemali-mboleko. Awuyi kuphikisana nayiphi na into eyenza umgangatho wakho (ngaphandle kokuba yonke into ingalungile), kwaye awuyi kuxoxisana nokuhlala kunye nababolekisi. Endaweni yoko, uya kuthatha inyathelo lokuphucula ngokusemthethweni i-credit yakho kwaye zenze ezo zenzo zibonakaliswe kwiikolodi zakho ngokukhawuleza.
Lindela ukufumana amancinci amancinci: Ukuba ufuna ukunyuka okuphezulu kumanqaku akho ekhredithi, musa ukubeka ukholo oluninzi kwi-rescoring ngokukhawuleza. Kwiimeko ezininzi, ababolekisi bafuna i-bump modest (20 amaphupha okanye njalo) ukunceda umboleko wakho uvunyiwe. Oko kwathiwa, ukuba ususa impazamo enkulu efana ne-bankruptcy, unokubona iziphumo ezingaphezulu.
Ngokukhawuleza njengoko ukhona: Ukuze uphumelele ngokugcina ngokukhawuleza, unokufuna ukuba uthathe inxaxheba kwinkqubo. Ngokomzekelo, ukuba ufike emva kweentlawulo, unokufumana ngoku kwaye usebenzise ngokutsha ngokukhawuleza, kodwa uya kufuneka ufike ngemali uze uyifumane kumboleki wakho ngaphambi kokuyalela amanqaku ahlaziyiweyo. Ngokufanayo, ungadinga ukumba amaxwebhu ukubonisa ukuba iikhompyutheni zahlawulwa, kwaye kuthatha ixesha kunye nemigudu - awukwazi ukubala kumboleki wakho ukwenza yonke imisebenzi kuwe.
I-mileage yakho iyahlukahluka: Ukulungiswa ngokukhawuleza ngokuqhelekileyo kuyisicwangciso esiyimpumelelo, kodwa inokubuyisela okanye ingaphumeleli ukuvelisa iziphumo wena kunye nomboleki wakho enethemba. Kwezinye iimeko, umlinganiselo wakho wekhredithi unokwenyuka. Ngaphambi kokuba uthathe isinyathelo, xubusha iinkcukacha kunye nomboleki wakho (kwaye qinisekisa ukuba umboleki wakho unamava nolwazi lokunika isiluleko esifanelekileyo).
Indlela yokuSebenza ngokukhawuleza
Sebenzisana nomboleki wakho ukusetyenziswa ngokukhawuleza. Kuya kufuneka ube nekhono lokwenza uphuculo olufanelekileyo (olusemthethweni) kwiingxelo zakho zekredithi. Ukuba umboleki wakho akaqondi ukuba unaloo mandla, unokufuna ukuzenzele yona. Ukuba umboleki wakho akanikezeli ngokukhawuleza, uya kufuneka ukuba ulinde izinto zokuhlaziya indlela endala okanye usebenze ngetyala elihlukile.
Ingaba ibiza malini?
I-Rapid rescore yinkonzo enikezela ngayo umboleki wakho, kwaye awuyi kuhlawula intlawulo yenkonzo. Ababoleki abavunyelwe ukuhlawula imali ehlukeneyo kwinkonzo phantsi komthetho we-federal (FCRA). Nangona kunjalo, akukho nto ikhululekile, ngoko uhlawula ubuchule bakho bemali-mboleko kwizinga lomdla kunye neendleko zokuvala ozihlawulayo .
Ingaba ithatha ixesha elingakanani?
"Ukukhawuleza" kuthetha izinto ezahlukeneyo kubantu abahlukeneyo. Abanye abagcina ababoneleli ngeenkonzo banikezela iinguqu ezimbini ukuya kwiintsuku ezihlanu. Ngokuqinisekileyo, kufuneka ulindele ukuba inkqubo ithathe iiveki, kwaye umboleki-mboleko onokuzibonela unokunika inkcazelo engaphezulu. Kwezinye iimeko, kuya kuthatha ixesha elide ngaphambi kokuba yonke into ingeniswe kwaye ihlaziywe. Kuthatha ixesha ukuqokelela ulwazi, ukudlulisela imali, ukuthumela iintlawulo kunye neencwadi zeposi.
Ezinye iindlela zokuThengisa ngokukhawuleza
Ukuba ukulungiswa ngokukhawuleza akukhethwa kukho okanye akubonakali kukulungele imeko yakho, kukho ezinye iindlela zokuphucula ikhredithi yakho.
Xoxa nababolekisi abaninzi: Ababoleki abahlukeneyo banemilinganiselo eyahlukileyo yokuvunyelwa, kwaye banikezela ngeenkonzo ezahlukeneyo. Kusoloko kuluvo olungileyo ukuthenga ngeenxa zonke. Unokufumanisa ukuba abanye ababolekisi bazimisele ukuzama ukubeka ngokukhawuleza - okanye banokukuvumela ukuba ube ngumboleki othengekayo xa abanye bengathandi ukwenza nawe.
Ukuhlawula imali-mboleko: Ukufumana imvume ngokuqhelekileyo kuyimfuneko yokuqinisekisa ukuba iintlawulo zakho ziya kuhlawuleka. Ukuba unayo imali, unokuhlawula imali-mboleko yokunciphisa uxanduva lwakho lweenyanga (kwaye uphucule ityala lakho kwimali engenayo ). Oku kunokwanela ukufumana imboleko emihle.
Cwangcisa phambili
Ngaba bekungeke kube mnandi ukuba neyona nto into encinci ukukhathazeka ngayo xa uphakathi kwenkcitho ehambelana noxinzelelo? Ukulungiswa ngokukhawulezayo kunokukunceda wenze izilungiso ngokukhawuleza, kodwa ngokuqinisekileyo, uya kuba nakho konke umyalelo ngaphambi kokuba ufake isicelo semboleko. Hlola iingxelo zakho zekredithi rhoqo, lungisa iziphene, kwaye ugcine i-balance card yakho yokulinganisela ukuze kubekho nto yokulungisa ixesha elizayo xa ufaka isicelo semboleko.