Indlela Yokukhusela I-Intlawulo Efanelekileyo Yakho Ikhampani Yakho Yakha
Ixabiso elifanelekileyo lekhredithi yeekhredithi liza neenzuzo ezininzi ezinjengezinga lentlawulo ephantsi kwiimali-mboleko zoshishino, imigangatho yekhredithi , amakhadi ekhredithi yoshishino kunye nenkxaso-mali yomthengisi.
Ukongezelela, amanqaku amahle anokufumana imilinganiselo ephakamileyo yamatyala, iipresimum eziphantsi kunye nokutsala amathuba amaninzi ematyala ababoleki nabathengi abakhona.
Nangona kunjalo, akubona bonke abanikazi bezoshishino abanemilinganiselo efanelekileyo yekhredithi yamashishini . Oku kubangelwa ukuba benze iimpazamo ezincinci xa besebenza namakhadi abo ekwereta. Ezi mpazamo zincinci zenziwa ngokungazi kodwa xa ingxelo ifikelela kwamehlo e- arhente yokubika ngetyala , ibonakalisa amanqaku ekhredithi yakho. Namhlanje, siza kukuthatha iipazamo ezili-10 ezinokumenza buhlungu kakhulu amanqaku akho okwekhredithi kwaye zibonise indlela ozoziphepha ngayo kumlinganiselo wekhredithi olungcono kwi shishini lakho.
Ukubhalisela iNgxowa-mali yomnye umntu
Ukutyikityina nawuphi na uhlobo lomboleko kumhlobo, isihlobo okanye omnye umntu osondeleyo unokubonakalisa inhlekelele kumsebenzi wakho wekhredithi yamashishini xa umbolekayo ehluleka ukuhlonipha imigqaliselo yokubuyiswa kwemboleko. Nanini na xa usayina khona nayiphi na imboleko, khumbula ukuba uthatha uxanduva lokuthatha inxaxheba egameni lomboleki.
Ukuba umntu obolekayo umbuzo ungaphumeleli ukuhlawulela eli xesha, umlinganiselo wakho wekhredithi kwi-shishini lakho uza kuphazamiseka ngokuzenzekelayo xa ungenzi iintlawulo. Oku kuthetha ukuba ukutyunjwa kwemali-mboleko 'ngaso sonke isikhathi kuyintlekele ekwenzeni.
Ukuze ugweme ukuchaphazeleka ngolu hlobo, kuya kufuneka ukhethe kakhulu xa ukhetha ukuba ngubani ongayibhalisela imali mboleko.
Fumana imbali yomboleki ngokwenza iintlawulo kunye nokukwazi ukubuyisela imali mboleko . Kwakhona, hamba ngendlela obolekayo eya kwenza iintlawulo kwaye anqume ukuba ingaba inokusebenza okanye inokuba yingxaki kuwe kusasa.
Ukungayithobeli imiqondiso yezixwayiso zeengxaki zakho zeNgxowa-mali
Abaninzi bethu basindisa ixesha elifutshane lokujonga kwaye bawele ukuhlola iingxelo zethu zemali . Uninzi lwabasomashishini lindele kuphela ingxelo yonyaka. Oku akusikho okumele ukwenze xa kuziwa kwiingxelo zakho zekhredithi. Ukuba unexesha kufuneka uhlolisise iingxelo zakho zeentengo zemali rhoqo ngenyanga ukuqinisekisa ukuba akhululekile kwiziphoso. Xa usalinde ixesha elide, kuba nzima ukuba iziphene zilungiswe. Iiphoso zingalimaza kwingxelo yakho kwaye inokukhokelela kwisilinganisi esingafanelekanga sekhredithi engabonakali indlela oye wenza ngayo iintlawulo zakho kunye nokunye.
Kukho nemimiselo eyisixwayiso omele uyenze ngokukhawuleza ekubandakanyekeni kuphela ekuvunyelwene ukuba wenze iintlawulo ezincinci, ulahlekelwe ezinye iintlawulo, ukhangele iikariti zekhredithi zorhwebo ezilinganisiweyo kwaye uphinde uphume kwaye uphantsi ekukhangekeleni ukuhanjiswa kwemali ebhalisiweyo. Le miqondiso xa inganyanzelwanga ingonakalisa umlinganiselo wakho wekredithi kwaye omnye ufanele aqonde ingxaki phambi kwaye asebenze ngokufanelekileyo.
Ukuvala iiNkcazo zeNdala zeTyala
Ekhaya lakho, ngezinye izihlandlo ungase ufune ukulahla izitya ezindala. Lo msebenzi awuyi kukuchaphazela nangayiphi na indlela kuba ungasayifuni emgceni wakho weembadada. Nangona kunjalo, oku akunjalo ngaso sonke isikhathi xa kuziwa kumakhadi-mboleko. Ukuba uthatha isigqibo sokurhoxisa iikhadi lamatyala endala, usemngciphekweni wokunciphisa umvuzo wakho wekhredithi yebhizinisi. Ngoba? Kungenxa yokuba ukuba loo makhadi unokufumana imbali efanelekileyo kodwa ngoku ukuba uyasusa, ususa ngokuzenzekelayo iminyaka efanelekileyo yemboleko eyabandakanyeke kumanqaku afanelekileyo okwangoku ibhizinisi lakho linalo.
Ukuze ugweme ukulahlekelwa yimbali efanelekileyo yeentlawulo zakho kunye namanqaku amahle okhoyo okwangoku, kufuneka ugcine amakhadi akho akwerekredari endala ngokuwagcina evulekile. Nangona uhlawula nayiphi na ikhadi lekhredithi, ungaluvali na kungakhathaliseki ukuba oku kubenzakwenzakalisa njani umvuzo wakho wekhredithi .
Ukungaphumeleli okanye Ukwenza Iintlawulo Zasekupheleni
Enye yezinto eziphambili ezisetyenziswe ekuqaliseni umlinganiselo wakho wekhredithi ngumlando weentlawulo ozenzayo. Ukukhawuleza okanye ukukhawuleza ukuhlawula okanye ukulahlekelwa ukuhlawula iindleko zakho kudlala indima ebalulekileyo ekuqaliseni umlinganiselo wekratshi lakho. Naliphi na ixesha ongaphumeleli ukungenisa iintlawulo zakho ngexesha, kuyisiqinisekiso sokuba amanqaku akho aya kutshitshisa elitsha. Uninzi lwethu lucinga ukuba ukulahleka ezimbini okanye iintlawulo ezintathu kuya kuba nefuthe elikhulu kumanqaku abo. Le nto yinto engafanelekanga kuba inkokhelo enye inokukukhanyela inqaku elifanelekileyo lokuthenga ngetyala kwaye ikuhlule kwizinga elifanelekileyo lokuthenga ngetyala elihle kangaka.
Ngako oko, kubalulekile ukuba kuqinisekiswe ukuba zonke iintlawulo eziyimfuneko zakho zorhwebo zihlawulwa ngababoleki okanye abathengisi bahlawulwa ngexesha. Kanye xa ukhohlwa ukwenza inkokhelo ethile kumthengisi othile, unokuzibandakanya kwisivumelwane somntu ngokucela ukuba intlawulo ephosakeleyo ingabonakali kwi- arhente ye-credit reporting agency . Isinyathelo esinjalo siyakusindisa ekuveliseni ishishini lakho lokuthenga ngetyala.
Ukukhupha iikhodi zakho
Njengomrhwebi, umyalelo omnye wesohlwayo kukuba akukho xesha kufuneka ukhulule ikhredithi yakho. Ukwenza oko kuya kuphakamisa ngokukhawuleza umlinganiselo wakho wokusebenzisa i-credit. Ukuphakanyiswa komlinganiselo wokusetyenziswa kwetyala, umgangatho ophezulu wokunyusa izinga lokuthenga ngetyala. Abaninzi bethu banesicinga sokuba nangona sikhupha amakhadi ethu ekhredithi rhoqo, sihlala sihlawula njalo kwaye akuyi kuba nempembelelo kumlinganiselo wekredithi. Oku kukuchazwa kwakho kodwa i-bureaus isichaza umlinganiselo ophezulu wokusetyenziswa kwisimo esithile seengqondo.
I-arhente yeebitalingi zikulindele ukuba usebenzise kuphela isahlulo somlinganiselo wakho wekhredithi. Ngokomyinge, umntu makabe esebenzisa ubuncinane ubuncinane i-30% yomda wamakhadi abo. Ukugqithisa okuthathwa njengento ebonakalisa ibhanki osebenza kuyo ingxaki yemali. Ngaphandle kokuba uzibheka usebenzisa ikhadi lesikweletu, unokukhangela ikhadi lokukhwabanisa ukusetyenziswa ngamanye amaxesha. Oku kukuqinisekisa ukuba umlinganiselo wakho wokusebenzisa usezantsi.
Ukungaphumeleli ukusebenzisa iMali Yakho
Senze iimeko kwixesha elidlulileyo apho abanye abasomashishini banomakhadi-mboleko yoshishino kodwa ngelanga bangayisebenzisi. Le akuyona indlela yokusetyenziswa kwekhadi lesikweletu. Oku kungenxa yokuba udinga umlando wekhredithi ukwenzela ukwakha amanqaku akho. Kwiinyanga ezintandathu zokuqala udinga ubuncinane i-akhawunti enye esebenzayo. Ngakolunye uhlangothi, kufuneka kwakhona ubuncinci omnye ngenyanga uxelelwe kwi-arhente yokubika ngetyala. Oku kwenziwa konke ukuqinisekisa ukuba ukulinganiswa kwekhredithi kweshishini lakho kubonisa ukuba uhlawula ngexesha ngexesha lenyanga.
Ukuze uqiniseke ukuba ubuncinane enye yeentlawulo zakho zibikwe kwi-bureau, siyakumcebisa ukuba wenze i-automate enye yezinto ozihlawula rhoqo ngenyanga ngekhadi lekhredithi evela kwifowuni yakho. Le ndlela yindlela engcono yokusebenzisa ikhadi lakho lekhredithi yekratshi kanye ngenyanga kwaye iya kuphucula ixesha lakho ixesha elingaphezu kwexesha.
Ukwabelana ngeNombolo yeKhadi leKhadi lakho
Xa abantu abangaziwa beza becela inombolo yekhadi lakho lekhredithi, akufanele nanini utyhile nayiphi na ingcaciso. Ukwenza njalo kunokukhokelela ekutshweni kobunikazi. Ukuba ufumana ii-imeyli ezicela igama lakho kunye nenani lekhredithi, yintoni efuneka ukuphazamisa ingqondo yakho kwangoko ukuba ubaleke okanye ususe umyalezo. Aba ngabagxeki abanokwenzakalisa ngokwenene amanqaku ekhredithi ngokwenza imisebenzi engagunyaziswanga ngaphandle kolwazi lwakho. Abanye bangasebenzisa ikhadi lakho lekredithi ukuthenga izinto abaziwayo kuphela kwaye oku kungonakalisa kakhulu ukuba umlinganiselo wakho wokusebenzisa unokuphela kokuphakanyiswayo okonakalisa amanqaku akho.
Xa kwenzeka loo nto kuwe, khawuleza uqhagamshelane nomnikeli wakho wekhadi lokuthenga ngetyala ukwenzela ukuthathwa ngaphambi kokuba umonakalo wenze. Kodwa umgaqo wegolide kukuba awufanele unikeze nayiphi na ingcaciso malunga nekhadi lakho lekhredithi ukwenzela ukhuseleko lweakhawunti yakho kunye nokuphucula amanqaku akho.
Ukufumana iindleko ezinkulu kakhulu kwiNgxowa-mali
Sonke siyavuya xa sinokuva ukuba ukusebenzisa ikhadi lakho lesikweletu liya kukufumana imali emva koko, ukukhawuleza ngamamayela kunye nokunye okulungileyo? Uninzi lwethu luphelela kuba ngamaxhoba ofanayo. Ukuba usebenzisa ikhadi lakho ngeenjongo ezingenanjongo, kufuneka ukhumbule ukuba uhamba nje ngomlinganiselo wokusebenzisa kwakho. Ukuphakanyiswa komlinganiselo wokusetyenziswa, kunzima ukuchaphazela amanqaku akho ekhredithi. Uninzi lwabasomashishini luba neengxaki malunga nalezi zibonelelo ngenxa yokuba iicandelo livakala kakhulu ukuba lingavumi. Ngenxa yoko, sigcina singakwazi ukuhlawula amatyala ayenziwe. Yilapho ingxaki iqala khona.
Ukuba awuqinisekanga ngendlela uza kuhlawula ngayo loo matyala ngenxa yokuba ufuna iimbuyekezo, ungahambi kuzo. Musa ukuthenga izinto eziza nembuyekezo. Kwinqaku efanayo, kulungile ukuba ukhumbule ukuba xa ungaphumeleli ukuhlawula loo matyala ngexesha, uya kufaka ireyiti zenzalo ngaphezulu kwexesha oya kufuneka uhlawule. Ukuhlawulwa kwexesha elizayo kuya kunqumla umlinganiselo wakho wekredithi kwaye uze uyisondeza nto. Iingcebiso zethu, musa ukusebenzisa ikhadi lakho lekhredithi yekhredithi ngokukhawuleza ukuchonga amanqaku omvuzo ngaphandle kokuba unesiqiniseko sokuthi uza kukwazi ukucima izilinganiso ekupheleni kwenyanga.
Ukuvula iiNkcazo zeNkcazo ezintsha kwixesha
Ukuba wacinga ukuba neakhawunti entsha yekhredithi rhoqo ngexesha elihle, kufuneka uguqule ingqondo yakho ibekwe ngezolo. Akufanele ube yixhoba ngalinye kwikhamphani yekhadi lekhredithi ezayo kunye neentengiso zabo ezimangalisayo. Ukuvula ama-akhawunti amaninzi kwixesha elifutshane kuya kuhlala lizisa i- credit yakho yekratshi phantsi okanye uyayithanda. Uyenza njani loo nto? Okokuqala, iyanciphisa ubudala be-akhawunti yakho ngokuchaphazela kakubi kuma-akhawunti akho akhulileyo.
Ngakolunye uhlangothi, imibuzo eninzi iya kwenziwa kwii-akhawunti ezintsha kwaye oku kunokuchaphazela ngokufanayo i-credit score yakho. Ukuze ugweme isilingo sokungena ngemvume kwi-akhawunti entsha yeekhredithi, unako ukumaka naziphi na iikhadi zinikwa njengotshani okanye ugaxekile ukuze ungaze ulingeke ukuba ufunde ngazo naliphi na ixesha.
Ukuthatha ixesha elide ukuya kuThengi iNqanaba eliPhambili
Abanini bamashishini abaninzi banqwenela ukuthatha ixesha elide xa bethengwa ngemali mboleko mboleko, iimali-mboleko zemali, iimali-mboleko zoshishino kunye nabanye abaninzi. Nangona kunjalo, ukuthengwa ixesha elide kuya kuba kubi kwi shishini lakho kuba lihlisa amanqaku akho. Oku kuthetha ukuba nokuba uthengisa ngemali mboleko, umboleko wesikolo okanye umboleko wemoto, kufuneka uyenze ngexesha elifutshane. Oku kungenxa yokuba nayiphi na imibuzo enzima eyenziwe kwi-akhawunti yakho ixesha elide kuneentsuku ezingama-30 liya kuphazamisa amanqaku akho. Iingcebiso zethu kukuba, ukuba uya kuthengela umgangatho ophezulu, thabatha ixesha elifutshane.
Iipreko ezingentla zingonakalisa amanqaku akho kwikhredithi yebhanki ukuba ingathatyathwa. Kungabonakala kulula kakhulu kodwa kuthatha uninzi umnikelo wokubambelela kubo. Yenza umkhwa kunye nenxenye yesicwangciso sakho sokuphepha ukwenza ezi mpazamo ezibizayo ezinokulimaza i-credit score scores.