Iminyaka eyisixhenxe yimizuzu eyaziwa ngokukhawuleza xa kuthethwa ityala. Kuthunyelwa ngokuphindaphindiweyo ukuba abantu abaninzi baye balibala oko kwenzeka ngokwenene kwityala emva kweminyaka eyisixhenxe. (Oko kucinga ukuba bebazi kuqala.)
Iminyaka eyisixhenxe yimalini yexesha apho ezininzi izinto ezimbi zingabhaniswa kwingxelo yakho yekhredithi. Oko kufaka izinto ezifana nokuhlawulwa kwexesha elide, ukuqokelela amatyala, ii-akhawunti ezihlawulisiweyo kunye neSahluko 13 se-bankruptcy.
Ezinye izinto ezimbi, njengemigwebo ethile, izibambiso zerhafu ezingahlawulwa, kunye neSahluko 7 sokutshatyalaliswa, unokuhlala kwi-credit report yakho ngaphezu kweminyaka eyisixhenxe.
Oko kuthethwa nguMarku oneminyaka eyisixhenxe
Emva kweeminyaka ezisixhenxe, izinto ezininzi ezimbi ziza kulahla i-credit report yakho. Ingxelo yakho yekhredithi, ukuba awuqhelanga, ngumqulu odweba i-akhawunti yakho yemali kunye neengxowa-mboleko kunye neebhanki ezahlukeneyo kunye namanye amaziko emali.
Uphawu lweeminyaka ezisixhenxe aluyikucima ityala lenene, ingakumbi ukuba ahlawulwa. Usenetyala lomthengi wakho nangona xa ityala lingaselulwanga kwingxelo yakho yekhredithi. Ababolekisi, ababolekisi, kunye nabaqokeleli ityala banokusebenzisa iindlela ezifanelekileyo zomthetho ukuqokelela ityala kuwe. Oku kuquka ukukubiza, ukuthumela iileta, okanye ukuhlawula umvuzo wakho ukuba inkundla inike imvume. Unokugwetyelwa ngetyala xa ummiselo wakho wombuso weempazamo zelo tyala ungaphezu kweminyaka eyisixhenxe.
Impembelelo kumanqaku akho ekhredithi
Nangona amatyala ekhona emva kweminyaka eyisixhenxe, ukuwa kwabo phantsi kweengxelo zakho zemali-mboleko kunokuba luncedo kumanqaku akhotyala. Xa izinto ezimbi zivela kwingxelo yakho yekhredithi, unethuba elingcono lokufumana amanqaku aphezulu emboleko, unikezele ukuba ukhokhe zonke iindleko zakho ngexesha kwaye ungenayo i-slipups entsha.
Qaphela ukuba ulwazi olubi kuphela luphela kwirekhodi yakho yekredithi emva kweminyaka eyisixhenxe. Vula ii-akhawunti ezintle ziya kuhlala kwi-credit report yakho. Iingxelo ezivaliwe ngokuma kakuhle ziya kuhlala kwiirekhodi yakho yekredenti ngokusekelwe kumgaqo-nkqubo we-credit bureaus.
Xa izinto eziphazamisayo zivela kwingxelo yakho yekhredithi, iphinde ithuthukise amathuba akho okufumana imvume yamakhadi amatyala kunye neemboleko zemali-mboleko, ucinga ukuba akukho nenye inkcazelo engalunganga kwingxelo yakho yekhredithi.
Ngaba le minyaka esixhenxe sele iqalile?
Abantu abaninzi bayesaba ukuhlawula ibhola elidlulileyo ngenxa yokuba bakholelwa ukuba liya kuqalisa kwakhona ukukhawulelwa kwexesha lokubhengezwa ngetyala. Iindaba ezilungileyo kukuba ixesha lexesha elinesixhenxe leminyaka yeenkcukacha ezimbi aziqalanga , nangona emva kokuzisa i-akhawunti yakho yangoku okanye ukuhlawula ibhalansi.
Ngokomzekelo, zithi unentsuku ezingama-60 ngokukhawuleza kwintlawulo yekhadi lesikweletu ngo-Disemba 2010. Le ntlawulo emva kwexesha kufuneka iwise ingxelo yakho yekredithi ngo-Disemba 2017. Masikuxelele ukuba ubambelele kwiintlawulo zakho kwaye wenza zonke iintlawulo ngexesha ukuya ku-Agasti Ngo-2013 xa usufikelele kwiintsuku eziyi-90 ezidlulileyo kwaye ubanjwe kwakhona. Ukuhlawulwa kwakho kwangaphambili kwinyanga kaDisemba 2010, kuya kubakho ukuwa ngo-2017. Ukuhlawulwa kwexesha lokugqibela ukusuka ngo-Agasti 2013 kufuneka kuwele ingxelo yakho yekredithi ngo-Agasti 2020.
I-akhawunti ngokwayo iya kuhlala kwingxelo yakho yekhredithi ukuba iya kuhlala ivulekile kwaye imeme kakuhle.
Ukususa izinto ezimbi emva kweminyaka esixhenxe
Hlola ingxelo yakho yekhredithi ukuze ufunde xa izinto ezimbi zicwangcisiwe ukuba zisuswe kwingxelo yakho yekhredithi. Xa iminyaka eyisixhenxe iphakanyisiwe, i-credit bureaus kufuneka ichithe ngokuzenzekelayo ulwazi oludlulileyo ngaphandle kwesenzo esivela kuwe. Nangona kunjalo, ukuba kukho ukungena embi kwingxelo yakho yekredithi kwaye ikhulile kuneeminyaka ezisixhenxe, unokuphikisana nolwazi kunye ne-bureau yeekhredithi ukuba isuswe kwingxelo yakho yekhredithi.