Yintoni ekufuneka uyihlole kwiNgxelo yakho yeMali

Hlola Ingxelo Yemali Yakho Yenqaku Elibalulekileyo Lolwazi

Ukuhlolisisa ingxelo yakho yekredithi kunokukunceda ubone ubusela bobunikazi kwimigangatho yaso yokuqala, kodwa asiyena kuphela isizathu sokujonga ingxelo yakho yekhredithi. Kufuneka uqinisekise ukuba abakhweli bakho nababolekisi baxela ulwazi oluchanileyo kuba ingxelo yakho yemali-mboleko iyondla ngokukhawuleza kumanqaku akho okwekhredithi kunye nezigqibo zokubolekisa. Ukuvavanya ingxelo yakho yekhredithi kulungile ukuba uthathe uluhlu lwekhadi lakho lekhredithi kunye ne-akhawunti yemboleko - uhlobo olufana nokuhlolwa kwezimali.

Xa uhlolisisa ingxelo yakho yekhredithi kukho iintlobo ezintathu zolwazi omele uzikhange:

1. Izimpawu zobalo besazisi

Hlola ingxelo yakho yekhredithi kwiakhawunti ezingezakho . Ukuphonononga nganye yee-akhawunti ezidweliswe kwingxelo yakho yekhredithi ukuqinisekisa ukuba bangabakho (okanye ubuncinci babehlala nabo). Ukuba ufumana iakhawunti ongayikhumbuliyo, qinisekisa ukuze ukhumbule ukusebenzisa inkqubo yokubambisana neengxelo zemboleko ukuze uwasuse kwingxelo yakho yekhredithi.

Ukuphonononga iicandelo lemibuzo ukuqinisekisa ukuba amashishini adweliswe ngamashishini owenze isicelo sekhredithi. Enye imibuzo ingabonisa ukuba isela lesazisi lizama ukuvula ii-akhawunti egameni lakho. Qaphela ukuba imibuzo ethile ingavela kwiimashishini eziye zajonga ingxelo yakho yekhredithi ukuba ikuvumele ukuba uvumeleke ngaphambili ngamakhadi okanye nge-inshorensi. Imibuzo "ethambileyo" ibhalwe phantsi, ingabonakali ngabani ngaphandle kwakho, kwaye ayichaphazeli amanqaku akho.

2. Ingcaciso engalunganga

Qinisekisa ukuba idilesi yakho nomqeshi zichanekile . Umqashi wakho kunye nedilesi ayichaphazeli ngqo amanqaku akho ekwereta (nangona aphelelanga okanye ayilungile), kodwa umboleki okanye umniki-khadi umniki-mali angasebenzisa le ngcaciso ukwenza isigqibo malunga nesicelo sakho.

Qinisekisa imbali ye-akhawunti ibhalwe kwiakhawunti yakho .

Ingxelo yakho yekhredithi iya kuba neenkcukacha ezithe ngqo zokuhlawula kwiinyanga ezingama-24 ezidlulileyo kwi-akhawunti nganye. Baya kuba neendawo ezichaza ukuba ngaba i-akhawunti yakho ikhoyo okanye ukuba ikhe yafika. Qinisekisa ukuba imbali yakho yokuhlawula ichanekile kuba inempembelelo ebalulekileyo kumanqaku akho .

Qinisekisa ukuba zonke ii-akhawunti zakho ezivulekileyo zichazwe njengevulekile , ngakumbi ukuba kukho ibhalansi. Ukuba i-akhawunti ine-balance kwaye ibikwa njengevaliwe, umlinganiselo wakho wekhredithi uza kuphazamiseka. Ngakolunye uhlangothi, ii-akhawunti ezivaliweyo ezichazwe njengevulekileyo aziyi kulimaza amanqaku akho.

Khangela ulwazi olungalunganga ngaphandle kwexesha lokunika ingxelo ngetyala . Uninzi lweenkohlakalo, ezifana neentlawulo zekhadi lokuthenga ngetyala kunye neengqokelela zetyala, zingabalwa kuphela kwiiminyaka ezisixhenxe. Ukwahlukana nokutshatyalaliswa kwezimali , ezingabonakaliswa ukufikelela kwiminyaka eyi-10. Ulwazi olungalunganga oluye lwadlula umda wexesha lokubhengezwa ngetyala kungakhankanywa kwi-credit report yakho.

Qinisekisa zonke iitaliti ezikhutshwe kwi-bankruptcy zidweliswe ngale ndlela . Qinisekisa ukuba la matyala awabhalwanga nje nje njengoluhlu oluthile okanye aluhlawulwanga.

3. I-inventory yeakhawunti yakho

Yonke ityala lakho lihlawulwe ngokufaka ibhalansi ye-akhawunti kuzo zonke iakhawunti zakho. Ezinye iinguqu ziquka ityala lakho elipheleleyo elithe lahlawulwa kwisigaba senkcazelo yesishwankathelo kwingxelo yakho yekhredithi.

Ngokuxhomekeke kwimeko oyalele ngayo ingxelo yakho yemali-mboleko, imali ehlawulwayo kwiakhawunti yakho ingabandakanyi iintlawulo zakho zakutshanje. Oku kuya kunika ingcamango yokuba unetyala elingakanani kwaye xa kuthelekiswa nomvuzo wakho, unokukwazi ukuba unayo ityala elininzi. Ukuthabatha i-akhawunti yakho evelele kukukunceda ukuba uqalise kwisicwangciso sokuphuma kwetyala.