Xa uthetha ngekhredithi, okanye ngokuqinisekileyo umgangatho wabathengi abanakho ukuboleka abanakho ukuba uya kubuyiselwa imali oyibolekisileyo, unokuwa naphi na kwizinga ukusuka kwintengo embi kakhulu, oku kuthetha ukuba akukho mntu uya kukuboleka nayiphi na imali, ukuba nekhredithi ephezulu, apho iibhanki kunye neenkampani zemboleko zicela ukuba ubolekise. Uninzi lwabantu luwela phakathi phakathi kwezi zimbini.
Indlela yokuchaza "Iingxelo ezimbi"
Ikhredithi embi ngokubanzi ichaza irekhodi lokungaphumeleli kwangaphambili ukugcina iintlawulo kwizivumelwano zakho zeentengo zemboleko, okubangelwa ukungakwazi ukufumana imvume entsha.
Ngokuqhelekileyo kuthetha ukuba awuzange uyihlawule ityala lakho kunye nezinye izibophelelo ngexesha, okanye ungabahlawulanga nhlobo. Ingxelo yakho yekhredithi iyakubhala iingxelo zoluntu ezinjengeliphi na i-state okanye i-taxeral liens, i-bankruptcies, okanye izahlulelo zomthetho ezikuwe.
Iinkampani ezibizwa ngokuba yi-bureaus zemali-mboleko (ekwabizwa ngokuba yi-arhente yokubika ngetyala) uqokelele imbali yakho yemali uze uyiqokelele kwingxelo yemboleko. I-arhente ngalinye ligcina ingxelo yalo eyahlukileyo, kwaye imbali yakho yekhredithi kunye namanqaku anokungafani phakathi kwabo, ngenxa yeeposiso okanye ukushiya ulwazi. Nangona uza kubona iirekhodi kunye nembali yazo zonke iakhawunti zakho zekredithi kwingxelo yakho yekhredithi, awuyi kufumana nayiphi na amanqaku ekhredithi kwingxelo yakho yekhredithi.
FICO Izikolo
Nganye i-credit bureau ibala amanqaku e-FICO ngokusekelwe kwingcaciso yakho yekhredithi. I-Fair Fair Corporation (FICO) yavelisa isofthiwe kunye ne-algorithms ukubala eli nqanaba; ke, igama.
Iinkampani ezahlukeneyo ezifana nababolekisi bemoto, ababolekisi bemali mboleko kunye neenkampani zekhadi zekhredithi zikhangelelana ngabaninzi ababolekayo ngokwemiqathango yazo, ngoko ke ukulungiselela le nto, kukho ukuhlukahluka kwamanqaku eFICO kunye nokubala. Amanqaku okuthenga ngetyala aphuma ku-300 ukuya ku-850, kunye ne-650-670 ibonwa njengesiqhelo esiphantsi "amanqaku" esikhokhwa ngamatyala kunye namanqaku aphantsi abonisa i-credit lousy.
Ukuba neengxelo ezininzi ezimbi, ukuhlawulwa kwexesha elide okanye mhlawumbi ukungahlawulwanga kwemboleko kwingxelo yakho yekhredithi kungabangela ukuba kubekho izikolo ezincinci zezikolo. Ukuba unayo i-akhawunti ithunyelwe kwi- arhente yokuqokelela , njenge-billing yezonyango ezingabhatalwa, i-agesi yezokuqokelela ingachaza ukugqithisa kwakho kwi-credit bureaus nokuba ngaba isibhedlele ayifuni.
Iingxowa-mboleko ezimbi zidla ngokukhawuleza xa abantu behamba ngokugqithiseleyo ngemali, bebangela iziganeko ezimbi ezininzi ngexesha elifutshane elifana nokuhlawula izilinganiso eziphezulu kwangoko kumakhadi-mboleko, ukufakela i- bankruptcy okanye ukufumana isithuthi. Ezinye iziganeko ezimbi zifuna ukuba kwenzeke kanye kanye, njengenxeba yerhafu okanye ukuchithwa kwezindlu zangaphandle, ukubolekisa ababolekisi ukuba baqaphele ukusebenza nawe.
Ukuwa kweeNkcitho eziMbi
Xa unesityala esilungileyo, ababolekisi banako ukubolekekisa ngenxa yokunyuka okwenyukayo emva kokuba kukho nawaphi na amakhadi amatyala okanye i-akhawunti yomboleko. Unokufumana zonke izicelo zakho zokukhishwa ngetyala, okanye ukuba ufumene imvume, uya kufumana inzala ephakamileyo kakhulu kunabantu ababolekayo abanokufumana amanqaku amatyala . Inqanaba lokunyuka kwenzalo yindlela yokubolekisa imali yokuhlawula imali kuwe.
Iingxowa-mboleko ezimbi zichaphazela ngaphezu kwekhadi lakho lesikweletu kunye nokuvunyelwa kwemboleko kunye nenzala .
Ezinye iinkampani ze-inshorensi ziqwalasela umlinganiselo wakho wekhredithi xa zicaphula inqanaba lokungahlali . Ubume kunye nabanikezeli befowuni bahlala behlawula idiphozithi yezokhuseleko kubafakizicelo abaneentengo ezibi. Abanikazi bezindlu bangadinga ukukhutshwa kwekhuseleko oluphezulu xa unetyala elibi, okanye bangakucima ukuba ube ngumqeshi okanye isivumelwano sokuqashisa ngokupheleleyo.
Hlola isimo sakho kunye nezikolo ze-FICO
Ukuba ngokuqhelekileyo uhlala phezulu kwiimali zakho, unokuba nombono ohloniphekileyo wendawo apho i-credit card yakho iwela khona. Uyazi ukuba uye wafika emva kweyiphi na iintlawulo zemboleko kwangoko nje, okanye ube neebhalansi ezinkulu zekhadi lesikweletu ezidlula iipesenti ezingama-30 ze-credit card yakho. Ukuba usandul 'ukuvalelwa kweentengo zemboleko, i-interest rates card card yakho yanda okanye abakhupheli bekhadi bakho banciphise imilinganiselo yakho yemali, thabatha ezi zinto njengophawu lokuba amanqaku akho ekhredithi ehla.
Fumana umlinganiselo wekredithi yakho ye-FICO uze ufumane ikopi yolwazi oluchanekileyo oluxelwe kwingxelo yakho yekhredithi. Unokufumanisa ukuba enye ye-credit bureaus ayizange ibhale i-akhawunti eneempembelelo ezilungileyo zokuhlawula, okanye unokufumana iimpazamo eziye zanciphisa amanqaku akho. Unokufumana enye ikopi yamahhala yengxelo yakho yekredithi ngonyaka ngamnye kwii- ofisi zentengiso ezintathu , iTransUnion, i-Equifax kunye ne-Experian.
Ukuhlolisisa ingxelo yakho yekhredithi kukunceda uqonde oko kukulimaza amanqaku akho. I-Federal Trade Commission (FTC) igunyazisile iwebhusayithi eyodwa kuphela, i-AnnualCreditReport.com, ukubonelela ezi ngxelo. Unokufumana ukulinganiswa kwamahhala kwinqanaba lakho le-FICO ngokusayina enye yeewebhusayithi ezininzi zokujonga iikredithi. Abaninzi babo banikela ngeakhawunti ebalulekileyo ngeenombolo ze-FICO ukusuka kwelinye okanye ezimbini kwiimboleko zentengo zemboleko ngaphandle kokuhlawulwa. Akudingeki ukuba uchithe imali ukuze ufumane oko kubangela i-credit yakho embi. Zininzi zale mihlaba nazo zinemifanekiso yeempawu zeentengo zemboleko, ezibonisa ukuba amanqaku akho ekhredithi angahamba okanye ahlawule ngokuhlawula iakhawunti, ukuvula ii-akhawunti ezintsha kunye nezinye iinguqulelo.
Thatha amanyathelo okulungisa iSikweletu sakho esibi
Iingxowa-mali ezingalunganga akumele zihlale ngonaphakade. Unokuthatha amanyathelo okuphucula umlinganiselo wakho wekhredithi ngokuhamba kwesikhathi. Okokuqala, gxininisa ekususeni ulwazi olubi kwi-credit report yakho okanye ngokusebenzisa ingxabano yeengxelo zemboleko okanye ukulungiswa kwetyala lokuthenga ngetyala . Kwakhona, impembelelo yamanqaku amanqaku kwi-credit report yakho ingaphantsi kwexesha, ngoko ngamanye amaxesha konke okufuneka ukwenze ukulinda izinto. Gxininisa ekongezeni ulwazi oluchanekileyo kwingxelo yakho yekhredithi ngokufaka ii-akhawunti ezintsha kwaye uzihlawule ngokuqhubekayo ngexesha.