Amanyathelo okufumana amanani alungileyo kunye nemigangatho yenzalo kwi shishini lakho
Kwaye nangona usebenza kwishishini lakho kwikaraki, amathuba okuba uya kuhlawulisa okanye usebenze ibhizinisi lakho, ekungeneni lihla ukuya ekubeni nexabiso elifanelekileyo lekhredithi . Ifuna isidingo sokuphucula umlinganiselo wakho weentengo zekhredithi. Ngelishwa kubanini bancinci bamashishini, ukwakhiwa kweentengo zamashishini akuyifaneki neenqwelo zemoto apho unokubuyisa injini kwaye ufumane umphumo osondeleyo.
Kuyafana kakhulu nerekodi yakho yokuqhuba apho yonke into equka ukuziphatha kwakho kwexesha elidlulileyo kunye nezenzo kuthathwa ingqalelo. Yingakho kucetyiswa ukuba ulandele ezi ndlela eziyisixhenxe ezilula zokuphucula ukulinganiswa kweentengo zekhredithi.
Hlawula i Bills kwixesha
Ukuba kakubi ekuhlawuleleni iindleko zakho ngexesha kuya kulimaza i-credit yakho kunye nokulimaza i- credit rating yakho . Ukwenza iintlawulo zexesha elikhawulezileyo kwiimali zakho zetyala zingenza iirekhodi yakho ingakumbi xa umbolekisi ekhetha ukukunika ingxelo.
Akuthi ngaphandle kokuba ukuhlawula ibhiziniselwano lakho phambi komhla wokukhawulela akusiyo kuphela umkhwa woshishino olungcono oya kuphucula amanqaku akho, kodwa kuya kunceda ekugcineni ubuhlobo obuhle nababolekisi bakho.
Ukunciphisa Ukusetyenziswa Kwetyala kunye nokugcina iiNqanaba eziMatyala kwi-Low
Ukufumana imali eninzi kwiibhanki nakwabanye ababolekisi kuya kuba yinto ebalulekileyo echaphazela ishishini lakho lokuthenga ngetyala.
Ngelixa unokufuna iimboleko okanye ezimbini ukukhulisa ishishini kwaye uhlawule iindleko ezithile, kudla ukucetyiswa ukugcina nayiphi na inkohlakalo ephakamileyo. Ukugcina amanqanaba aphantsi kwamatyala kuya kunciphisa ukusetyenziswa kwetyala lakho, okusebenza kakuhle ekugcineni ixabiso lakho lokuthenga ngetyala.
Hlola iNkcazo Yakho Yemali Yentengiso Ngexesha Eliqhelekileyo
Kuyinyaniso ukuba abaninzi abanini-shishini abawaziyo izikolo zabo zekredithi. Kufuneka kuqatshelwe ukuba kubaluleke kakhulu ukujonga ngenyameko rhoqo kwaye rhoqo iliso ingxelo yekhredithi yakho yebhanki ukuze uphephe iimpazamo kunye nokungalungiswanga oku kunokukhokelela ekuhlaleni kwamanqaku akho.
Zama ukusebenzisa iNgxowa-mali
Iingcali ezininzi zezezimali ziza kubonisa, ukusetyenziswa kwemali ngumdlalo omele udlalwe. Uya kufuna ukuvula ii-akhawunti zekredithi zoshishino ezinje ezifana namakhadi-mboleko kunye nemali-mboleko kwaye uqinisekise ukuba udlala ngemithetho kwaye uhlawule ngexesha.
Gwema iiAkhawunti zokuvala
Ukuvala ii-akhawunti zekredithi kunye nokuzisusa kwingxelo yakho yekhredithi kuphela ngenxa yokuba zihlawulwa zikhethi ezingafaniyo ukuba zonke iinkampani ezincinci kufuneka ziphephe. Mhlawumbi uchithe iminyaka embalwa edlulileyo usebenza ngokukhawuleza ukuhlawula izilinganisi zekhadi lakho kwaye unokulingwa ukuba uvalwe phantsi kwiingxelo ukukhawuleza ukusetyenziswa kwexesha elizayo. Nangona kunjalo, ukuvala ezi akhawunti kungenokuba nempembelelo embi kwishishini lakho lokuthenga ngetyala kwaye, ngokukhawuleza, unokunciphisa inani lekhredithi ekhoyo.
Ukulungisa nayiphi na ingxaki
Kuyinyaniso ukuba nokuba iiphoso ezilula okanye iimpazamo ezifana nedilesi engalunganga ziyakwenza ngokukodwa ukutyala i-credit card yakho. Kucetyiswa ukuba yonke impazamo kwi-credit report, nangona kunjalo encinci, kufuneka ilungiswe ngendlela ekhawulezayo eyenzekayo ngokulungisa i-credit yekhredithi .
Ungasebenzisi I-Credit Power yakho kwiNgcaciso engozini
Enye yeendlela ezilungileyo zokuphucula ishishini lakho lokuthenga ngetyala kukugwema nawuphi na umngcipheko onokuyicima kwindawo yokuqala. Ukuxhomekeka kunoma yimuphi umsebenzi wezemali oya kuthusa ababolekisi bakho okanye abakhishwe ngamakhadi kufuneka bagwenywe. Ngokomzekelo, akufanele uzibandakanye okanye ishishini kwimisebenzi enokuthi ibonise, nangaliphi na indlela, yexesha elizayo okanye uxinzelelo lwemali.
Ngaphantsi: Ukusebenzisa iingcebiso ezilapha ngasentla ziyakunceda ukwakha nokuphucula umlinganiselo wakho weentengo zekhredithi.
Ngeke nje ukwazi ukufumana iimali-mboleko ezinkulu zamashishini kodwa uza kuba nethuba lokufumana imigaqo efanelekileyo.