Ingqwalasela yeNgxelo yakho yeMboleko
Ulwazi luya njani kwiNgxelo yakho yeMali?
Iingxelo zetyala zigcinwa ngamashishini aziwa njengama-credit bureaus okanye i-arhente yokubika ngetyala.
EUnited States, kukho ezintathu ezinkulu zemali-mboleko: i-Equifax, i-Experian, ne-TransUnion. Iinkampani ozenza ishishini nazo ziye zavuma ukuthumela ulwazi lwakho lwetyala kwi-freeaus yebhanti (ubuncinane omnye wabo okanye mhlawumbi bonke abathathu) ngubani oza kuhlaziya loo ngxelo kwingxelo yakho yekhredithi. Uninzi lwekhadi lakho lekhredithi kunye ne-akhawunti yeemboleko zihlaziywa kwingxelo yakho yemali ngenyanga.
Amanye amashishini akahlaziyi ingxelo yakho yekhredithi ngeentlawulo zakho zanyanga zonke, kodwa uya kwazisa i-credit bureaus xa uqala ukugqithisa kwiintlawulo zakho. Umzekelo, i-bill bill ayiyikufakwa ngokuzenzekelayo kwingxelo yakho yebhanki, kodwa xa uhamba ngaphezu kweenyanga ezintandathu emva kweentlawulo zakho, umrhumo-mali ungabhaniswa kwingxelo yakho yemali njengengqokelela yetyala.
Nguwuphi uhlobo loLwazi olufakwe kwiiNgxelo zeNgxelo?
Iingxelo zeNgxowa ziquka ulwazi oluchanekileyo oluchonga njengegama lakho, idilesi kunye nendawo yokuqeshwa.
Ukuphambuka kwegama lakho kunye needilesi zangaphambili kunye nabaqeshi bangabhalwa kwi-akhawunti yakho ye-credit. Ngamanye amaxesha oku kungenxa yephutha kunye nezoshishino ezichazele ulwazi lwakho. Okanye, kungaba ngumqondiso wokuba utywala .
Ingxelo yakho yekhredithi iqulethe iinkcukacha ngokuchanekileyo malunga namakhadi akho kunye namatyala.
Ngeemakhadi zekredithi, ibhalansi yakho, umda weekhredithi, uhlobo lwe-akhawunti, isimo seakhawunti kunye nomlando wokuhlawula zonke zifakwe kwingxelo yakho yekhredithi. Izilinganiso zemiboleko, inani lemali-mboleko yokuqala, kunye nembali yentlawulo ibonakale kwingxelo yakho yekhredithi.
Iirekhodi zikawonkewonke ezifana nokubhalwa kwebhanki, ukuchithwa kwemali, ukugcinwa kwemali, kunye neentlawulo zerhafu zidweliswe kwicandelo elithile leengxelo zetyala lakho.
Iingxelo zeNgxowa-mali ziquka uluhlu lwamashishini asanda kutshekisha imbali yakho yekhredithi mhlawumbi ngenxa yesicelo owenzileyo okanye ukukhangela ukunyusa. Ezi ngxelo zetyala ziyaziwa njengemibuzo. Ingxelo yakho yeengxelo zemali-mboleko iza kubonisa imibuzo evela kuwo wonke umntu owathathe ingxelo yakho yebhanki, kubandakanywa amashishini abajonga ingxelo yakho ngenjongo yokuphromotha. Ingxelo ye-mboleko ye-credit report yakho ibonisa kuphela imibuzo eyenziwe xa ufaka uhlobo lwesicelo.
- Izinto ezili-10 ezibonakalayo kwiNgxelo yakho yeMboleko
- Ulwazi Lwakho lomtshato kunye neNgxelo Yesikweletu sakho
Unako (kwaye kufuneka) Hlola iNgxelo yakho yeMali
Umele ulandele ingxelo yakho yekredenti ubuncinane kanye ngonyaka ukuze uqinisekise ukuba ulwazi oludweliswe kuyo luchanekile. Ukuba uyakrokrela ukuba ulixhoba lobusela besazisi, kufuneka uqaphele ingxelo yakho yekhredithi ngokuphindaphindiweyo.
Unokuthi ulandele ingxelo yakho yekredithi ngokuphindaphindiweyo kunokuba ukuba uzama ukulungisa i-credit yakho okanye ukuba ulindele ukufaka isicelo semboleko enkulu ngokukhawuleza.
Unokuyilandela ingxelo yakho yekredenti ngeendlela ezimbalwa: ngekhululekile kwiwebhusayithi uRhulumente ayenzela loo njongo, ngesihlawulelo nge-offer offer, okanye ngokuthenga kwenye yeevenkile ezintathu zemali-mboleko.
- Xa Ufanele Uhlolisise ingxelo Yakho yeMali
- Indlela yoMyalelo wakho weNgxelo yeMali
- Ukufunda iNgxelo yeMboleko yakho
Kutheni iNgxelo yeMboleko yakho ibalulekile
Iindidi zamashishini zikhangele ingxelo yengxelo yemboleko ukwenza izigqibo ngawe. Amabhanki ahlole ingxelo yengxelo yemboleko ngaphambi kokuba avumele wena ngamakhadi-mboleko kunye nemali-mboleko, kubandakanya imali yokubolekwa kwemali okanye yemali mboleko. Abanini bempahla bahlolisise ingxelo yakho yekhredithi ukugqiba ukuba ngaba urenti kuwe. Abanye abaqeshi bajonga iingxelo zekhredithi njengenxalenye yesicelo senkqubo.
Ingxelo yakho yekhredithi ithinta amanqaku amaninzi ebomini bakho, ngoko kubalulekile ukuba ulwazi olufakiwe luchanekile kwaye luncedo.
Ingxelo yakho yekhredithi ngumthombo wedwa wenkcazelo yecandelo lakho lesikweletu-inani elithile ababolekisi ngamanye amaxesha basebenzisa indawo endaweni okanye okanye ngaphezu kweengxelo zemali yakho. Amanani okuthenga ngetyala ngamanani adijithi amathathu awamabakala akho ingxelo yengxelo yemali. Amanqaku ekhredithi aphezulu abonisa ukuba unolwazi oluchanekileyo kwingxelo yakho yekhredithi ngelixa izikolo eziphantsi kwamatyala zibonisa ukuba kukho ulwazi olungalunganga.