Iyiphi imbali yemboleko?
Imbali yakho yekhredithi yirekhodi yeeakhawunti zeebrari ozibambe kunye neenkcukacha malunga nezo akhawunti kuquka: uhlobo lwe-akhawunti, uxanduva lwakho kwi-akhawunti (umzekelo ukuba ngaba ungumboleki odibeneyo), umda wemali-mboleko okanye inani lemboleko , ibhalansi yangoku, inkokhelo encinci, nokuba sele uye ngasekupheleni kweminyaka eyisixhenxe edlulileyo, kunye nemo ye-akhawunti yangoku.
Kwimbali yakho yematyala, uya kufumana amagama amashishini afudule ifayile yakho yekredithi, umzekelo, ngenxa yokuba wenze izicelo zekhredithi okanye ngenxa yokuba bafuna ukuthengisa imveliso okanye inkonzo kuwe.
Iingxowa-mali ezibonakalayo ezibalulekileyo kwiirekhodi zoluntu zifakwe kwingxelo yakho yematyala. Oku kubandakanya ukuchithwa kwebhanki, ukuchithwa kwemali, ukuhlaziywa, kunye nezigwebo zokugweba.
Imbali yakho yematyala ayibandakanyi izinto ezifana nobulili, inzuzo, okanye ukuba ufumana uncedo lukaRhulumente.
Ungaqwalasela imbali yakho yekhredithi
Umlando wakho wekhredithi uhlanganiswe kwixwebhu elilodwa elibizwa ngokuba yingxelo yesikweletu .
Iinkampani ezigcina ingxelo yakho yekhredithi ziyaziwa ngokuba yi-arhente yokubika ngetyala okanye i-credit bureaus. Kukho ezintathu ezinkulu zemali zemali e-United States: i-Experian, i-Equifax kunye ne-TransUnion.
Unelungelo lokujonga umlando wakho wekhredithi ngeziko ngalinye lezikole. Enyanisweni, urhulumente unika ilungelo lokubona ingxelo yakho yekhredithi yehhafu kwiziko ngalinye lekredithi kanye ngonyaka, unyaka.
Yenza ingxelo ye-credit annuity yakho nge-AnnualCreditReport.com. Amazwe athile anokunika ilungelo lokunika ingxelo yesikweledu samahhala ngonyaka ngamnye. Ukuba uhlala kwenye yezo zizwe, ufumana ezimbini iingxelo zekredithi zamahhala ngonyaka ngamnye.
Ukuba sele uye wayala iirekhodi zakho zemali zonyaka kulo nyaka, ungathenga enye ingxelo yekredithi ye-3 okanye kwi-1 evela kwiivenkile ezintathu zeentengo zemboleko.
Ulwazi olungalunganga kwimbali yakho yematyala
Ukuba wenza into engalunganga, njengokwehla emva kwintlawulo yekhadi lesikweletu ngeentsuku ezingama-30 okanye ngaphezulu, kuya kwimbali yakho yamatyala. Ababoleki kunye namanye amashishini athungatha imbali yakho yeebhanki yabona izinto ezimbi kwaye angasebenzisa ngokuchasene nawe xa ufaka isicelo sekhadi lesikweletu, umbolekiso, okanye enye inkonzo esekelwe kwi-credit.
Uninzi lwengcaciso engalunganga luhlala kwimbali yakho yeebhanki iminyaka eyisixhenxe. Imbango yinkcazo, enokuhlala kwimbali yakho yematyala iminyaka eyi-10. Nangona iirekhodi zoluntu ezinjenge-bankruptcy kunye nokuchithwa kwemali zisuswe kwiimbali zakho zemali emva kokuba umda wexesha lokubhengezwa kwekhredithi uphumelela, bahlala erekhodi kawonkewonke kunye nenkundla yendawo.
Sula iiphoso zomlando weetyala
Unelungelo lokunika ingxelo echanekileyo ngetyala. Ukuba umlando wakho wekhredithi uqulethe iimpazamo, unokuzikhupha ezi zinto ngokubhalela kwi-credit bureau ukubika iphutha okanye kwishishini elibike ingxelo kwi-credit bureau.
Kuzo zombini iimeko, uphando lufunekayo kwaye i-credit bureau kufuneka isuse iposiso ukuba uphando lubuyela kuwe.
Ukuba unamaxwebhu aphikisana nephutha, qiniseka ukuba uthumele iikopi ukunceda inkqubo yophando. Umzekelo, thumela ikopi yetshekhi ekhanseliwe ebonisa umniki wekhadi lesikweletu ofumane ukuhlawula ngexesha elifanelekileyo.
Jumpstart yakho Imbali Yembali
Ukuba uvele ube ngu-18 okanye awuzange ube nekhredithi, mhlawumbi unayo imbali yesikweletu. Nangona unako ngokusemthethweni ukufumana ikhadi lekhredithi okanye umboleko kwiminyaka eyi-18, kufuneka ulinde ukudala umlando wesikweletu uze ube nomsebenzi ngemali engenayo. (Jonga indlela yokulingana neKhadi leMatyala .) Abaniki bamakhadi abemali-mboleko bayadingeka ukuba bacele ingeniso yakho ngaphambi kokuba banike ikhadi lekhredithi kwaye ingeniso iya kunceda uhlawule nayiphi na ibhalansi.
Ukusekwa kwimbali yekhredithi ngokokuqala ngangoko kunokuba nzima kuba bambalwa ababolekisi bazimisele ukunika ikhadi lesikweletu kwikota yokuqala. Sekunjalo, kukho amakhadi amatyala ambalwa kubantu abakwiimeko ezifanayo. Khangela amakhadi ekhredithi okanye amakhadi kubantu abangenazo iimbali zamatyala .
Emva kokuba unekhadi lesikweletu, yakha imbali yakho yekhredithi ngokuthenga amancinci kunye nokuhlawula ibhilikhi yakho ngexesha kwaye ngokupheleleyo nyanga zonke.
Iingcebiso zokulungisa umlando wesikweletu esingalunganga
Ukuba neembali zebhanki ezilungileyo kubalulekile kuba kukuvumela ukuba ugcine inzala efanelekileyo kumakhadi-mboleko kunye nemboleko. Ufumana amaxabiso e-inshorensi engcono, hlawula ngaphantsi (okanye akukho) idiphoze kwizinto ezisetyenziswayo, kwaye ube nexesha elilula elifanelwe ukuboleka imali okanye umboleko wemoto.
Ukuba wenze iimpazamo zangaphambilini ezichaphazela imbali yakho yekhredithi, ungawalungisa . Ngelixa ungeke ukwazi ukususa ulwazi oluchanekileyo nolungenakwenzeka kwimbali yakho yekhredithi ngaphambi kweminyaka engama-7 (10 yokuchithwa kwe-bankruptcy), unokuthatha amanyathelo okuphucula i-credit yakho. Ezi zizinto ezimbalwa ongayenza.
- Ukuhlawula ixesha elidlulileyo ngenxa yezilinganiso ezifana neentlawulo-offs kunye nokuqokelela kwetyala.
- Ukunciphisa izilinganiso eziphezulu ukuya ngaphantsi kwe-10% ukuya kwi-30% yemingcele yemboleko.
- Ukuhlawula imali mboleko.
- Yiba neengxelo ezimbalwa ezisebenzayo, ezilungileyo kwiingxelo zakho zemali.
- Faka isicelo kwikhadi lekhredithi elikhuselekileyo ukuba awukwazi ukufumana imvume nakwezinye iikhadi lekhredithi.
Njalo uhlale ukhumbule ukuba nayiphi na imali yokuthengiswa kwemali inokukunceda okanye ukulimaza imbali yakho yematyala. Ukubeka ingqalelo umlando wakho wekhredithi kunyaka wonke ukuqinisekisa ukuba abathengi bavakalisa izinto ngokuchanekileyo.