Yintoni i-Hard Credit Inquiry?
Uphando lwengxelo yekredithi lwenzeka xa ishishini lijongene nengxelo yakho yekhredithi. Yonke ingxelo yengxelo yemboleko yakho eyenziwe kwiminyaka emibili edlulileyo ibhalwe kwicandelo elinikezelwe kwingxelo yakho yekhredithi .
Ayikho yonke imibuzo elinganayo. Eminye imibuzo yenziwa xa ishishini lihlola ingxelo yengxelo yakho yekhredithi ngaphandle kweyiphi isenzo kwinqanaba lakho ekukhutsheleni okukukhuselekileyo kwimveliso okanye iinkonzo ezithile.
Ezi zibizwa ngokuba nemibuzo elula .
Imibuzo eyenziwe njengesiphumo sesicelo oyenzile yimibuzo enzima. Imibuzo enzima ngezinye izihlandlo ibizwa ngokuba yintonga eqinile ngenxa yokuba umbolekisi uthathe ingxelo yakho yekhredithi. Abanye ababolekisi nabathengisi banokukuxelela ukuba luphi uhlobo lophando oluya kwenziwa ukuze unqume ukuba ufuna ukuqhubeka nesicelo sakho okanye isicelo sakho.
Imibuzo enzima kangakanani ebonakalayo kwiNgxelo yakho yeMboleko
Xa uhlolisisa ingxelo yakho yekhredithi, uza kubona nemibuzo emibini kunye nemibuzo ethe tye kunye nohlu. Imibuzo enzima kuphela ithintela amanqaku akho ekhredithi.
Imibuzo elula ayifumene nomlinganiselo wakho wekhredithi kwaye ayibonakali kwinguqu yeengxelo zakho zemali ukuba abanye ababolekisi nababolekisi bayakubona. Ngokomzekelo, ukuba inkampani ihlolile ingxelo yakho yekredithi ukuba ichonge ukuba ingawuthumela isipho esilungile, loo mibuzo ayiyi kubakho xa i-mortgage lender ihlola ingxelo yakho yekhredithi kuba wenze isicelo semali mboleko mboleko.
Imibuzo enzima kangakanani echaphazela i-Score yakho yeMboleko
Yonke imibuzo enzima-mibuzo kunye nemibuzo ethe tye-hlalani kwingxelo yakho yemboleko iminyaka emibini. Imibuzo enzima kuphela iya kuba nefuthe kumanqaku akho ekhredithi kwaye kuphela ngonyaka owodwa.
Imibuzo yeepesenti ezili-10 zemali yakho yemali . Imibuzo emininzi enzima ingabangela ukuba amanqaku akho ekhredithi adibanise ngamanqaku amaninzi kwaye akhokele ekuphikisweni kwezicelo kuba ababolekisi bacinga ukuba unokufaka isicelo semali eninzi kakhulu ngenxa yokuba ungeyisombululo.
Imibuzo enzima ayiyi kuphazamisa rhoqo amanqaku akho. Umzekelo, i-FICO, umqulunqo wamanqaku aqhelekileyo asetyenziswayo kwi-FICO, ithi inani leminye into edlalwa ngaphezu kokuphanda, kubandakanywa nenani leakhawunti osanda kuvula, inani lemibuzo yesikweletu yangoku, ixesha Uvule i-akhawunti yakho yokugqibela, kunye nexesha ukusuka ekuphenyweni kwakho kokugqibela. Ngenxa yoko, abantu abaninzi abayi kuchatshazelwa ngophando olunzulu olongezelelweyo.
Kukhuselekile ukucinga ukuba ixesha elide liye lavela ekubeni uphando lwakho lokugqibela kunye nemibuzo embalwa yamuva, unempembelelo encinci uphando olutsha luya kuba nomlinganiselo wakho wekhredithi. Kubalulekile ukugcina izicelo zakho zekhredithi ubuncinci ukukhusela amanqaku akho. Ininzi yemibono ibonisa umngcipheko ophezulu wokungagqibekanga kunye nokuphila kwebhanki elizayo.
Ukuba uthengisa ngemali mboleko okanye umbolekiso wemoto , unokuba nemibuzo eninzi ebonakala kwingxelo yakho yemboleko njengababolekisi bazama ukukufanelekela ngemboleko. Ngethamsanqa, yonke imibuzo yokuthenga ngemali-mboleko eyenziwe ngaphakathi kwexesha elithile ithathwa njengophando olulodwa. Ixesha lexesha ukusuka kwiintsuku ezili-14 ukuya kwii-45 kwaye kuxhomekeke ekubeni yeyiphi imodeli yokumakishwa kwintengo isetyenziselwa ukubala amanqaku akho.