Xa Ufanele Uhlolisise Ingxelo Yemali Yakho?

Amaxesha abalulekileyo ekuhlaziyeni ingxelo yakho yeMali

Njengokwenyama kumgqirha ubonisa amanyathelo omele uwathathe ukuphucula impilo yakho, ukuhlolwa kwezemali kukunceda ukuba ubone indlela onokuphucula ngayo iimali zakho. Ukujonga ingxelo yakho yekredithi yindlela enye yokugqiba oko kukufuna ukuphuculwa. Uyazi ukuba uhlolwe ngokomzimba kwidokotela kanye ngonyaka kunye nokuhlolwa kwamazinyo kabini ngonyaka, kodwa ufanele ufumane ukuhlolwa kwezemali kangangoko?

Ngoku ukuba sinelungelo lokukhulula iingxelo zeentengo zemboleko zonyaka , kunikwa ukuba kufuneka ukhangele ingxelo yengxelo yakho yemali kanye ngonyaka.

Kodwa, kukho ezinye iziphumo zokujonga ingxelo yakho yekhredithi.

Ulungiselele ukuthenga okuninzi ngeMali njengekhaya, i-Automobile, okanye iBhekile

Imbali yakho yekhredithi yenye yezinto eziphambili ezisetyenziselwa ukuvunyelwa kwemboleko. Uya kumangaliswa kwiingxelo zeengxelo zemboleko ezingafunyanwa isicelo sakho. Nangona i-R16 yeeRibrari ezingahlawulwanga kwiminyaka emine edlulileyo ingakugcina ekhaya lakho iphupha.

Ingcinga efanelekileyo yokufumana ingxelo ye-credit ngenyanga ezintandathu ngaphambi kokuba wenze isicelo sokubolekisa ngemali mboleko ukucima nayiphi na ingqinani. Oku kufaka izicelo zokubolekwa kwemali yabangasese kunye nezinye iimboleko zemali-mboleko, nazo.

Ukhishwe iKhadi leMali, iMali-mboleko, okanye enye iNkonzo eSebenzisileyo

Ukuba i-credit yakho isetyenziswe kwisigqibo, ngokomthetho, unelungelo lokukhuphela iikopi yakho ye-credit report. Umboleki-mboleko okanye umboleki kufanele athumele le ncwadi kuwe kwiintsuku ezi-10 zoshishino. Kuya kukuxelela ukuba kutheni unqatshelwe kwaye uza kufaka ulwazi oluchaza indlela onokufumana ngayo ikhophi yamahhala yombiko wesikweletu esetyenziswe ekwenzeni isigqibo.

Emva kokuba ufumane ikopi yengxelo yakho yekredithi, buyihlolisise ukuze uqinisekise ukuba isigqibo asizange senziwe ngenxa yolwazi oluchanekileyo. Ukuba ufumana impazamo kwingxelo yakho yekhredithi, uphikisana nayo nge-credit bureaus kwaye ucele ukuba ikopi ehlaziyiweyo yengxelo yakho yekhredithi ithunyelwe kumboleki.

Uyakwazi ukubuyisela kwakhona isicelo sakho emva kokuba ingxelo yakho yekhredithi ilungiswe.

Usola Ubungqina Bakho Ubuntshontshiwe

Ngelishwa, ukwebiwa kwezazisi kubonakala ngokuqhelekileyo. Iyakwazi ukungaqapheli iinyanga, nokuba iminyaka ukuba awuhlolisanga rhoqo ingxelo yakho yekhredithi. Ungazifumani ukuba i-ident yakho ibiwe de kube ubolekisiweyo okanye isicelo sakho sekhredithi.

Ifowuni kunye neeleta ezivela kwi-arhente yokuqokelela kwi-akhawunti ongazange ivule zingabonisa ukuba ubuni bakho bubiwe. Hlola ingxelo yakho yekhredithi ukuze ubone ukuba i-akhawunti ekubhekiselwe kuyo iye yaxelwa kwi-credit bureaus. Ukuba ufumene i-identity yakho ibelwe, yibika kwi-arhente yokubika ngetyala ngokukhawuleza.

Unokwenza isicwangciso sokulungisa iSikweletu sakho okanye ukuphuma kwiTyala okanye zombini

Ekubeni ingxelo yengxelo yemboleko iqulethe kakhulu, ukuba awunabo bonke, kwiakhawunti yakho yezimali, yindawo efanelekileyo yokuqala xa ugxininise ekufumaneni imali. Ungayisebenzisa ngokulula inkcazelo kwingxelo yakho yekhredithi ukudala isicwangciso sakho nokuba kukulungisa i-credit yakho , ukuphuma kwetyala okanye ukudibanisa ezimbini.

Kanye ngonyaka

Musa ukulinda uze udinga inkokhelo enhle ukujonga ingxelo yakho yekhredithi. Hlola ingxelo yakho yekredenti ngezikhathi ezithile ukuze uhlale usesikhathini malunga nabathengi bakho abakutshoyo ngawe.