Yiyiphi inkohlakalo?
Ukukhutshwa yinkqubo yomthetho apho umnini-mhlaba ususa umqeshi kwindawo yokuqashisa. Ukukhutshwa okuninzi kwenzeka ngenxa yokuba umnini-mali akazange akhokhe irhafu, nokuba nangenxa yokuba umqeshi uhlala ehleli emva kwerenti. Unokukhutshwa ngezinye izizathu kuxhomekeke kwimimiselo yokuqeshisa kwakho. Umzekelo, umnini-mhlaba unokukwazi ukukugxotha ukuba awonakalise ipropati okanye ukusebenzisa ipropati ngezizathu ezingekho mthethweni.
Imithetho yokunyaniseka iyahluka ngobuso, kodwa ukukhutshwa ngokuqhelekileyo akuyi kuza kwenzeka. Uninzi lwamazwe lifuna umninimzi ukuba anike isaziso kumqeshi ukucima umba okanye ukushiya indawo yokuqashisa ngaphambi kokuba inkqubo yokukhutshwa komthetho iqalise. Unako ukuphuma xa ufumana isaziso kwaye ukhuphe inkqubo yokukhutshwa kwenkundla ngokupheleleyo. Ukuhamba emva kokuba ufumene isaziso kunokugcina ukukhutshwa kwirekhodi yakho yekhredithi, nje kuphela ukuba umninikhaya angenayo ifayile yokukhutshwa enkundleni kwaye ukuba uhlawula nayiphina irenti okanye iifizi ezifunekayo.
Ukuba awuyi kushiya ipropathi emva kokufumana isaziso sokuqala, umnini-mhlaba unokufaka iifayili kwinkundla yakho yasekhaya ukuba akukhuphe. Qaphela ukuba ufanele uphendule kuyo nayiphi na i-summons nangona usuvele uphume kwipropati.
Indlela Ukunyaniseka Kukuchaphazela Ngayo Imboleko Yakho
Ukukhutshwa akuyi kubonakalisa ngqo kwingxelo yakho yekhredithi, kodwa ulwazi olunxulumene nokukhutshwa luya ku.
Ukuba umninimzi usebenzisa inkundla ukuba ikuxoshe kwaye ifumane isigwebo kuwe, isigwebo esivela kulokhu kukhishwa siya kufakwa kwingxelo yakho yemali kwingxelo yoluntu .
Ngomgwebo wenkampani yolawulo lwepropati kwingxelo yakho yekhredithi, nayiphi na ishishini elitshekisha ingxelo yakho yekhredithi mhlawumbi iya kuthathwa ukuba ukhutshwe.
Ngelishwa, isigwebo siya kumonakalisa amanqaku akho esikhokhwe, yenza kube nzima ukurenta kwikamva (ngokukodwa kuba kukugwetywa kwenkampani yolawulo lwepropati), kwaye unobungozi amathuba akho ekuvunyelwene nekhadi lesikweletu okanye umboleko.
Njengolunye uninzi lweentlobo zengcaciso engafanelekanga, ukukhutshwa kungahlala kwiirekhodi lakho lekredithi ukuya kwiminyaka esixhenxe. Ukuba ummiselo wemiqathango yeemgwebo ezingakhokhelwa zingaphezulu kweminyaka engama-7 kwimeko yakho, ukukhutshwa kungaxelwa kuze kufike umyalelo wemida.
Unako (kwaye mhlawumbi kufanele uhlawule) isigwebo xa unako ukukwazi ukwenza njalo. Ukuhlawula isigwebo akusayi kususa kwi-credit report yakho, kodwa kunokuphucula amathuba akho ekuqeshweni kwixesha elizayo, ngokukodwa njengokukhutshwa kunye nexesha lokugweba.
Nangona uhamba ngaphambi kokukhishwa kwetyala, inkokhelo yakho isenokuchaphazeleka. Ngokomzekelo, ukuba usenetyala lokuqeshisa okanye iifizi kwaye umnini-mhlaba unokusebenzisa i-arhente yokuqokelela okanye umyalelo wamatyala amancinci kwinkantolo yamabango amancinci ukufumana oko ufunwa. Zomabini ezi zenzo ziya kuhamba kwingxelo yakho yeentengo kunye nokulimaza amanqaku akho.
Abanye abanikazi bezindlu baxela iinkonzo zokuhlola iinkcukacha, njengesi-Experian's RentBureau okanye iTransUnion sika-SmartMove, ngoko nangona ingxelo yakho yekhredithi ingenakuyifunda "ukukhutshwa", isheke ngenye yezi nkonzo ziza kubonisa ingxelo yakho yokukhutshwa.
Ukuqeshisa emva kokukhutshwa kulukhuni ngokokuba unako ukuphepha ukukhutshwa, ngeendlela zonke wenze njalo. Thetha nomnini-mnini wakho malunga nemiba uze uzame ukwenza umcimbi wokukhusela inkqubo yokukhutshwa. Ukuba imali yingxaki, fumana umsebenzi wesibini, unciphise ezinye iindleko, okanye uzame ukuboleka imali kumhlobo okanye ilungu lentsapho.