Kutheni i-Pay-Off is News Bully for Your Credit
Abantu abaninzi bacinga ngokugqithiseleyo xa ityala lihlawuliswe ukuba likhanselwe ngumboleki.
Akunjalo. Usenomthwalo wokuhlawula imali. Nangona kunjalo, awuyi kuba nako ukusebenzisa ikhadi lakho lekredithi ukuze uthenge, kwaye awuyi kuba nekhetho lokufumana iintlawulo ezincinane zenyanga ngenyanga. Ngexesha lakho i-akhawunti ihlawuliswa, mhlawumbi ivaliwe ngeenyanga eziliqela.
I-Off-Offs iyenzeka njani
Isivumelwano sakho sekhadi lesikweletu sidinga ukuba wenze inkokhelo encinci ngosuku olufunekayo ngenyanga. Ukuba usuphelile, ungathumela intlawulo nayiphi na ixesha phakathi komhla ofunekayo kunye neentsuku ezingama-29 ezedlule umhla ofunekayo kwaye ugweme ukufumana isaziso sokubhalwa kwexesha lokugqibela kwi-credit report yakho. . Nangona kunjalo, ukuba awuzange wenze inkokhelo yakho ngexesha elizayo elifanelekileyo lokufika, intlawulo yakho ifikelele kwiintsuku ezingama-30, kwaye isaziso siya kufakwa kwingxelo yakho yesikweletu. Zonke iintsuku ezingama-30 isaziso esitsha sexesha elide sifakwe kwingxelo yakho yekhredithi. Isaziso sokugqibela siphuthuma kwiintsuku ezingama-30: iintsuku ezingama-30 zifike emva, iintsuku ezingama-60 zifike emva, iintsuku ezingama-90 zifike emva, njl njl.
de ufike kwiintsuku ezingama-180 ngokukhawuleza.
Emva kweentsuku eziyi-180 okanye kwiinyanga ezintandathu, ngaphandle kokuhlawulwa, i-akhawunti yakho iya kuhlawulwa. I-akhawunti yakho inokuhlawulwa kwakhona ukuba uye uthumele iintlawulo, kodwa ezo ntlawulo zazihlala ziphantsi kweyona nto imiselweyo. Kufuneka ufake i-akhawunti yakho yangoku ngokuhlawula intlawulo encinci ngokupheleleyo ukuba ufuna ukuphepha ukuhlawulwa.
Kutheni iCredit Cards ihlawulwa?
Iinkampani, kubandakanywa nabathengi nababolekisi, zinenzuzo kunye nokulahlekelwa minyaka yonke. Benza imali kwinzuzo kunye nokulahlekelwa yimali kwilahleko. Xa umniki-mboleko ehlawula i-akhawunti yakho, umemezela ityala lakho njengelahleko yenkampani - kuba awuzange wenze intlawulo ngexeshana.
Nangona umbolekisi uye wavuma ukuba ityala lakho lilahlekile kwiirekodi zalo zezemali, awuyi kukhululeka. Umboleki wakho uya kwengeza ukungena okubi (ukuhlawulwa kwemali-mali) kwingxelo yakho yekhredithi kwaye uqhubeke nokuzama ukuqokelela kwityala. Umnikezeli wekhadi lokuthenga ngetyala unokuqokelela ngeSebe lakhe lokuqokelela okanye ngokuthumela i-akhawunti kumqokeleli wetyala lomntu wesithathu.
Ixesha elidlulileyo lemali ligxininiswe ngokusemthethweni (unokumangalelwa ngalo) iminyaka emininzi ngokuxhomekeke kummiselo wakho womda wokunciphisa ityala .
Umrhumo-mali uya kuhlala kwi-credit report yakho iminyaka eyisixhenxe ukususela ngomhla ohlawulwe ngawo. Ukuhlawula i-balance-off balance off will not remove it from your report credit. Endaweni yoko, iya kuhlaziywa kunye ne-"Pay-Off Off" xa uhlawule ngokugcwele okanye "Uhlawulelwe ukuGxeka" xa uhlawule ityala kwaye i-akhawunti iya kubonisa imali engama-$ 0. Kungcono kunokuba "isimo sokuhlawuliswa" sifikelele kwibhalansi eseleyo kodwa asiyifunanga.
Indlela kuphela yokususa inkokhelo evela kwingxelo yakho yemali-mboleko kukulinda ixesha eliyiminyaka esixhenxe okanye uxoxisane nombolekisi ukuba ususwe emva kokuhlawula i-akhawunti ngokupheleleyo. Ingxoxo enzima ukuyenza, kodwa abanye ababolekisi bangavuma ukuba wenza ityala lakho ngomntu ofanelekileyo ngaphakathi kwenkampani.
Ukubuyisela emva Emva kwe-Off-Off
Nangona ukuhlawuliswa kwirekhodi yakho yeebhanki kakubi kumanqaku akhokredithi , konke akulahlekanga. Unokwakha kwakhona i-credit yakho emva kokuhlawuliswa ngokucima ibhalansi yokuhlambalaza, uhlawule ngokukhawuleza kuzo zonke i-akhawunti yakho, kwaye uzinike ixesha. Njengoko ukuhlawulwa komrhumo kukhula, kuya kuba nempembelelo encinci kumanqaku akho ekhredithi, ngokukodwa ukuba ingaphaya kolunye ulwazi olufanelekileyo.