Ukuba ngumsebenzisi ogunyazisiweyo kwikhadi lekhredithi kukunika ilungelo lokusebenzisa ikhadi lekhredithi ngaphandle koxanduva lokwenza iintlawulo. Oko kuthetha ukuba umniki wekhadi lokuthenga ngetyala alikwazi ukukugxeka ngenxa ye-balance balance account.
I-akhawunti yemvume yokukhupha i-akhawunti yomsebenzisi- mboleko kwi- credit bureaus , enokukunceda amanqaku akho okwekhredithi ngokukhawuleza ukuba ikhadi lekhredithi lisetyenziswe ngokufanelekileyo kwaye iintlawulo zenziwa ngexesha ngenyanga.
Nangona kunjalo, umlando we-akhawunti engalunganga kunye ne-akhawunti yomsebenzisi ogunyazisiweyo, umzekelo ukuhlawulwa kwexesha elide kunye nokulinganisela okuphezulu, kunokulimaza amanqaku akho kwikhredithi nangona ungekho ojongene nezobugcisa bokuzenza ezo ntlawulo. Ukuba i-akhawunti yomsebenzisi ogunyazisiweyo inokulimaza amanqaku akho okwekhredithi, ufuna ukuba isuswe kwingxelo yakho yekhredithi.
Iindlela ezimbini zokususa i-Akhawunti yomsebenzisi ogunyazisiweyo
Enye indlela ukubiza umnini-mthengi wekhadi kwaye ucele ukuba bakususe kwi-akhawunti. Buza kwakhona ukuba basuse i-akhawunti kwingxelo yakho yekhredithi. Ingathatha inyanga ukuhlaziywa ukubonisa ingxelo yengxelo yakho yekhredithi. Awuyi kufumana isaziso sotshintsho; Kunoko, kuya kufuneka uhlolisise ingxelo yakho yengxelo yemboleko ukuqinisekisa ukuba i-akhawunti isusiwe.
Xa ungumsebenzisi ogunyazisiweyo, awunalo igunya lokwenza utshintsho kwiakhawunti yekhadi lekhredithi. Umnikezeli wekhadi lokuthenga ngetyala unokufuna ukuba umnini-akhawunti oyintloko enze umnxeba aze akushiye kwi-akhawunti.
Indlela yesibini yokususa i-akhawunti yomsebenzisi ogunyazisiweyo kwingxelo yakho yekredithi kukuphikisana ne-akhawunti kunye ne-credit bureau. Sebenzisa le nyathelo ukuba awukwazi ukuthola umniki wekhadi lesikweletu okanye umnini-akhawunti oyintloko ukuba akususe kwi-akhawunti. Unokwenza ukuba uphikisane ne-credit bureaus ukuba i-akhawunti yomsebenzisi ogunyazisiweyo isengxelo yakho yemboleko nangemva kokuba ususiwe.
Xa i-credit bureau iqhuba ingxabano yakho kwaye ihlaziya ingxelo yakho yekhredithi, kufuneka ukuba ikunikeze ikopi yamahhala yengxelo yakho yekhredithi ebonisa utshintsho.
Utshintsho luya kuthinta njani i-Score yakho yeMboleko?
Akukho ndlela yokuxela ukuba umlinganiselo wakho wekhredithi uza kuthinteka njani ngokususa i-akhawunti yomsebenzisi ogunyazisiweyo kwingxelo yakho yekhredithi. Unokufumana okanye ulahlekelwe amanqaku, kuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi. Sebenzisa isevisi yokukhangela inkokhelo yamahhala njenge-CreditKarma.com okanye i-CreditSesame.com ukujonga utshintsho kwingxelo yakho yekhredithi. Kungakhathaliseki ukuba kwenzekani emva kokuba i-akhawunti yomsebenzisi ogunyazisiweyo isuswe, unokuqhubeka nokuphucula umvuzo wakho weekhredithi ngokwenza iifihla ngexesha elifanelekileyo kuzo zonke i-akhawunti yakho.
Xa UyiNtloko yeSigqeba kwi-Akhawunti kunye nomsebenzisi ogunyazisiweyo
Ukuba ungumnini-akhawunti oyintloko kwi-akhawunti kunye nomsebenzisi ogunyazisiweyo, uya kuba nexesha elinzima ukufumana i-akhawunti ikhutshwe kwingxelo yakho yekredenti, nokuba ngaba umsebenzisi ogunyazisiweyo nguye kuphela osebenzisa i-akhawunti. Kungenxa yokuba yi-akhawunti yakho , kungekhona umsebenzisi ogunyazisiweyo. I-credit bureaus inelungelo-kunye noxanduva-ukunika ingxelo yolwazi oluchanekileyo. Ngoko, ngaphandle kokuba kukho into ephosakeleyo malunga nokufakwa kweakhawunti, mhlawumbi kufuneka uhlale nomonakalo owenziweyo kwikhredithi.