Ngaba I-Credit.com Imthethweni? Mahala?
Ngeli xesha lokubhala, i-Credit.com yiwebhusayithi ehloniphekileyo eqhutywa ngabaqeqeshi.
Ngokuqinisekileyo, akukho mntu usebenza ngokukhululekileyo, kunye ne-Credit.com yinto ebethemba ukuba ingeniso kwiindwendwe. Isayithi ifumana imali ngokuthengisa iimveliso (ezifana nezikolo zemali-mboleko kunye nolunye ulwazi lwekhredithi) kunye nokusebenzisana namanye amashishini kuquka nabathengisi kunye nabanxulumeneyo abahlawula i-Credit.com ngokuthumela.
Isici esiyinhloko sendawo yinqanaba lekhredithi yehhafu kunye nekhadi lokubika. Ngaba le ngxaki? Lezo zixhobo, eqinisweni, zikhululekile, kwaye akudingeki ukuba unikeze ngekhadi lesikweletu ukuba lizisebenzise. Nangona kunjalo, ulwazi olufumeneyo aluzukuba luncedo njengokuba ulindele: amanqaku emboleko ayikho amanqaku ekhredithi ye-FICO (ababolekisi abaninzi bavavanya ukuthenga ngetyala lakho kubhanti obubalulekileyo njengemali yokubolekwa kwemali kunye nokubolekwa kwemali mboleko kubheka iqela lakho le-FICO ).
Nangona ungafumani umlinganiselo we-FICO ngokusemthethweni (ngaphandle kokuba uthenge kwi-Credit.com okanye ngokuthe ngqo kwi-FICO), unokufumana ulwazi oluncedo kumaphulo kunye neKharpoti yeKharityhulam.
Ngokukodwa, ikhadi lokunika ingxelo linokukuxelela ukuba kukho nayiphi na into, ngokukodwa, ukubeka phantsi amanqaku akho ekhredithi. Ngokomzekelo, ukuba unetyala elininzi kumlinganiselo wakho wesikweletu , amanqaku akho aya kuba neengxaki, kunye nekhadi lombiko linokukunceda uqaphele le flegi ebomvu.
Amanqaku amanani owafumana kwi-Credit.com, esekelwe kwingcaciso kwiingxelo zakho zeNgxowa-mboleko zemali, anokunika ingcamango jikelele yokuba ingaba unayo "intle" okanye "imbi" inkokhelo - kodwa kwakhona ayikho enye ifayile yeFICO ababolekisi basebenzise.
Iingcebiso kunye namaBakala
I-Credit.com ibaluleke kakhulu kwimfundo onokuyifumana ngokufunda amanqaku. Unokufunda indlela i-credit card isebenza ngayo, indlela yokuphucula ngayo, kwaye yiyiphi imveliso oyisebenzisayo njengoko ubolekayo. Ungaphinde uthumele imibuzo, engaphendulwa kwinqaku elizayo.
Iinkonzo ezongezelelweyo
Ukongeza kwinqanaba lekhredithi yamahhala, iKhadi leNgcaciso, kunye namanqaku, i-Credit.com ithengisa izikolo zesikolo zesikweletu, iinkonzo zokubeka iikhredithi, kunye nokukhuselwa kwebabi be-ID.
Abantu Abakudala Ngetyala
I-Credit.com yayisungulwe nguAdam Levin, owayengumlawuli weSebe laseNew Jersey kwiMicimbi yabathengi. UMnu. Levin ubonakala esabandakanyeka kwisayithi kunye nokubhengeza abathengi ngokubanzi. Abaxhamli kwi-Credit.com banemali enzima kakhulu.
Ezinye izinto zoLwazi
I-Credit Report Report iKhadi yinto ekhethekileyo kwi-Credit.com. Ukuba ufuna ulwazi oluthe xaxa malunga nekhredithi yakho, ungayifumana kwiintlobo ezahlukeneyo zemithombo.
Bonke abathengi base-US banelungelo lokufumana ingxelo yekhredithi yamahhala kwi-arhente enkulu yokunika ingxelo ngeentengo (kunye nezinye i-CRAs). Ukufumana iingxelo zakho zeentengo zemali kwi-Experian, Equifax, kunye neTranshana, tyelela i-AnnualCreditReport.com, indawo leyo iirejista zemali-mboleko ezidalwe kwimpendulo kumthetho wesigqeba.
Kwakhona kunokwenzeka ukuba uthole izikolo zangempela zekhredithi ze-FICO - ngamanye amaxesha mahhala. Unokufuneka ufake isicelo semboleko, uhlawule umrhumo, okanye ubhalisele "ukubhalisa," kodwa kukho iindlela ezininzi zokubona umlinganiselo wakho weFICO .