Indlela yokulungisa iNgxowa-mali yakho emva kokuqulunqa
Kwabaninzi abaninikhaya, ukuchithwa kweyona nto iyinyani, kodwa akusiyo isiphelo sehlabathi okanye ukuphela kwetyala lakho. Isiza sokugqibela siya kuhlala kwi-credit report yakho iminyaka engama-7 kwaye iya kuthintela i-credit yakho kakhulu kwiminyaka embalwa yokuqala. Njengoko ukuguqulwa kukukhula kwaye ungeze imbali engakumbi kwi-credit report yakho, i-credit yakho iya kuphucula.
Akukho migaqo yemilingo yokulungisa i-credit yakho emva kokugqithiswa. Xa wenza ngakumbi izigqibo ezifanelekileyo malunga nokusebenzisa i-credit yakho, i-credit yakho iyakuba ngcono.
01 Hlaziya iCause of the Foreclosure
02 Lungisa iindlela zakho zokuchitha imali
Ukuba awuzange ube uhlahlo lwabiwo mali, qalisa ngoku. Ukuba nohlahlo lwabiwo-mali akuyona into eyenziwa ngabantu abaninzi abantu abacinga ukuba. Xa kwenziwe kakuhle, uhlahlo-lwabiwo-mali luza kunceda uxinzelelo lwezezimali kuba lunceda wenze izigqibo malunga nokuchitha imali yakho. Ukuba unayo ibhajethi ngaphambi kokungqineka kodwa ungagcinanga kuyo, ungaqala kwakhona. Ungalibali ukufaka yakho "imali echanekileyo" kubhajethi yakho ekupheleni kwenyanga. Ngale ndlela ungabona apho usufihlile khona kwaye wenze ukulungiswa kwezinto ezifunekayo.
03 Qhubeka uhlawula zonke iiMithetho zakho zeeMithetho kwixesha
Qinisekisa ukuhlawula iakhawunti zekhredithi ezixelwa rhoqo kwii-bureaus. Lo mlando wentlawulo ochanekileyo uya kunceda "ukupakisha" amanqaku akho ekhredithi, ukugcina ukuchithwa kwemali kwi-credit card yakho. Akunjalo kuphela, umboleki-mboleko okanye umboleki-mboleko ohlola ingxelo yakho yemali-mboleko uya kubona ukuba ukuboleka imali yinto echaphazelekayo kunye ne-application yakho. Musa ukuyihoxisa ezinye iindleko, kuba zizakuphelela kwingxelo yakho yekhredithi njengeakhawunti yokuqokelela xa ubashiya bengenakuhlawulwa.
04 Sebenza ngokuhlawula amatyala
Ukuba nomthwalo omkhulu wetyala kuya kubangela inqaku lakho lemali, nokuba uhlawula iibhilikhwe zakho ngexesha. Sebenza ekunciphiseni izilinganiso zekhadi lakho lesikweletu ukuya kuma-30% omda wekhredithi okanye ngaphantsi. Oko kuthetha ukuba ibhalansi ye-$ 300 kwikhadi lesikweletu elinomda we $ 3,000. Ukunciphisa izinga lakho lamatyala kuya kunciphisa umlinganiselo wakho wesikweletu-kuya-ngeniso . Ukuba ufumana i-mortgage kwixesha elizayo, umthwalo ongezantsi umthwalo uza kukunceda ukuphatha kakuhle iintlawulo zakho.
05 Fumana Uncedo Ukuba Uyawufuna
Ukuba unenkathazo yokwenza uhlahlo lwabiwo-mali kwaye udibanisa isicwangciso solawulo lwetyala, unokufumana uncedo lobuchwepheshe. Umcebisi wezezikweletu umthengi angasebenza nawe ukufumanisa indlela yokwenza uninzi lwenzuzo yakho. Baya kuxoxisana neentlawulo eziphantsi ezenzalo kunye neentlawulo zenyanga kunye nababolekisi bakho ukuze usebenze ekuphumeni kwetyala. Khetha umcebisi ngekhredithi ngobuchule. Qaphela ukuba iinkampani zokuhlawula amatyala ezingenangqiqo ezingenza umonakalo omkhulu kwi-credit yakho.
06 Fumana uze usebenzise iKhadi leMatyala
Ukuba awunayo ikhadi lesikweletu, faka isicelo esinye, kodwa emva kokuba uvavanye kwaye ulungelelanise imikhuba yakho yokuchitha. Melana nomnqweno wokufumana ikhadi lesikweletu ukuze uthenge izinto ongenakukwazi ukuzenza. Endaweni yoko, sebenzisa ikhadi lokuthenga ngetyala ukuze wenze ukuthenga okuncinci kwaye uhlawulele ibhalansi ngokupheleleyo ngenyanga. Oku kubonisa ukuba unako ukulawula ngokufanelekileyo iitaliti - ukuboleka kuphela into onako ukuyifumana kwaye uyihlawule ngexesha elifanelekileyo.