Yiyiphi i-Good Credit Score?
Ingaba unomlinganiselo omhle weebhanki kuxhomekeke ekubeni ngubani okhangela amanqaku okuthenga ngetyala kunye neendlela ezikulinganisa ngazo. Ngokuqhelekileyo, amanqaku amanqaku amatyala-kwinqanaba le-FICO - lingaphezulu kwe-720, kodwa kubabolekisi abathile kunye nababolekisi umda ungaphantsi okanye uphezulu. Ukuba nomvuzo omhle wekhredithi uxelela ababolekisi ukuba unokuhlawula iindleko zakho ngexesha ngokusekelwe kwindlela oye wahlawula ngayo iibhokhwe zakho ngexesha elidlulileyo. Ukuba uhlawule iibhokhwe zakho ngexesha kwaye ulawulwe kakuhle ngekhredithi kwiminyaka emininzi edlulileyo, uya kuba nomlinganiselo omhle wokuthenga ngetyala.
Ukwamkelwa kweeMali eziMboleko
Ngomlinganiselo omhle wesikweletu, uya kuba nezicelo zakho ezivunyiweyo kwaye ufumane inzala enomdla. Qaphela ukuba kunye nekhredithi enhle, ikhadi lekhredithi kunye nokuvunyelwa kwemboleko akuqinisekanga kuba abathengi nabathengi baqwalasela ezinye izinto ngokungezelelwe kumanqaku akho . Ingeniso yakho, ingqesho, kunye nenqanaba lamatyala kukho izinto ezibolekisiweyo kunye nababolekisi abaqhele ukucinga kwaye bahluleka kuyo nayiphi na le mimandla kunokukhokelela ukuba unqatshelwe.
Oku kusitshela ukuba amanqaku amanqaku amatyala awanakulinganiswa nokukwazi kwakho ukuhlawula, kodwa unakho ukuhlawula.
Ukuba awunalo amanqaku omvuzo, akuthethi ukuba izicelo zakho ziya kukhishwa. Kodwa ukuba uvunyiwe, uya kuba nezinga eliphezulu lomdla. Okanye, ukuba ufuna isicelo seenkonzo okanye ezinye iinkonzo zenyanga, kufuneka uhlawule idiphozithi yokukhusela ukuze ufumane iinkonzo zakho.
Okanye, umboleki-mboleko okanye umniki-nkonzo unokufuna ukuba ube ne-cosigner phambi kokuba uvumeleke.
Ngaba Unayo Imali Efanelekileyo Yesikweletu?
Unokujonga ubungakanani bakho beFICO, amanqaku okuthenga ngetyala ngamatyala amaninzi asebenzisa ngokutyelela i-myFICO.com. Isikolo sakho se-TransUnion okanye se-Equifax FICO siya kubiza i-$ 15.95. Kukho ezinye iindawo zokuyalela umlinganiselo wakho wekhredithi , njenge-CreditKarma.com, ngamanye amahhala mahhala , kwaye uqikelele umlinganiselo wakho weFICO .
Unayo ingxelo ngeentengo zemboleko ngeenkonzo ezintathu zeentengo zemboleko kunye neenkcukacha kwingxelo nganye yeentengo zingabonakala. Ekubeni i-score score yakho isekelwe kwirekhodi yengxelo yakho yeekhredithi, izikolo zakho ziyahlukahluka ngokulula. Kunokwenzeka ukuba ube nomlinganiselo omhle wokuthenga ngetyala kunye neziko lokuthenga ngetyala kunye neengxelo zemarike ezifanelekileyo kunye namanye amaziko. Oku kunokwenzeka xa unetyala leqoqo okanye enye i-akhawunti engabonakaliyo ebonakala kwingxelo yekredithi enye kodwa kungekhona kwabanye.
Emva kokuba ulayishe amanqaku akho ekhredithi, abaninzi ababoneleli baya kukunika umlinganiselo wokubaluleka kwamanqaku akho, ukuxelela ukuba umlinganiselo wakho uphantsi, ulungile, ulungile, okanye uhle kakhulu. Uya kufunda kwakhona ukuba zeziphi izinto ezifaka isandla kumanqaku akho. Ukuba awunayo imilinganiselo enetyala yekhredithi, khangela ingxelo yekhredithi yakho ukuze ufunde okungakumbi malunga nawaphi ama-akhawunti akhathaza i-credit yakho.
Musa ukukhathazeka, unokukwazi ukuphucula amanqaku akho okwekhredithi ngokunciphisa izilinganiso eziphezulu, ukuhlawula ixesha elidlulileyo ngenxa yeakhawunti, nokwakha umlando wokuhlawula.
Ukuba iimpazamo zigalela kumanqaku angabonakaliyo ngetyala, unokuphikisana nabo kunye ne-credit bureau. Umlinganiselo wekhredithi olungcono awuyi kwenzeka ngobusuku, kodwa ngexesha kunye nezenzo ezifanelekileyo , uza kubona ukunyuka kwamanani akhokredithi.