Indlela yokuqhuba iNgxowa-mboleko yeNgxowa-mali kwiNgxowa-mali

by UErin Eberlin

Ukukhangela ingxowa yemboleko kumntu oza kuba ngumqeshi kunokukunceda ukhusele ipropati yakho yotyalo-mali. Ekubeni ungeke uhlale ugweba incwadi ngokufihlakele kwayo, le ngcaciso ikuvumela ukuba ugqibe ngokunyanisekileyo kwimeko yezemali kunye nemikhwa yomqeshi ozayo. Ukuba banembali yeebhanki ezilungileyo kwaye bahlawula iibhokhwe zabo ngexesha, amathuba aphezulu ukuba baya kuhlawula irente zabo ngexesha.

Yintoni Inkokhelo Ukujonga Kukuxelela?

Ingcaciso ekhangela yekhredithi iyahluka ngokusekelwe kwiphathiswa oyisebenzisayo kunye nendlela ohlawule ngayo ingxelo, kodwa ingaquka:

Ukuchonga ulwazi : Ukuqinisekiswa kwegama, iidilesi ezikhoyo kunye nexesha elidlulileyo, umhla wokuzalwa, abaqashi abaqashiweyo, igama lomlingani, kunye nenombolo yoKhuseleko loLuntu.
Umlando weNgxowa-mali: Ii- akhawunti zebhanki, ii-akhawunti zebhanki zekrediti kunye naziphi na iimali-mali (mboleko, umfundi, njl). ukuba kukho nayiphi na ababhaliseneyo.
IiRekhodi Zoluntu : Uza kuluhlu naziphi na ukukhutshwa okuchaziweyo, ukuchithwa kwebhanki, izibambiso zerhafu okanye (zaseburhulumenteni) izahlulelo malunga nomqashi.
Imibuzo : Uya kubonisa amagama abo bacele ingxelo yengxelo yemboleko ngunyaka ophelileyo.

Ezinye iingxelo ziya kubandakanya umlinganiselo weFICO wokuba ngumqeshi.

01 - Yiyiphi iLwazi oLudingayo ukuLawula iNgxowa-mali kwiMphathi?

Yiba nomqeshi onokwenzeka ukuba agcwalise ifom yesicelo

Ukuze kuqhutywe ikhonkrithi ingqwalasela kumqeshi, ifomu yesicelo kufuneka, ubuncinane kubandakanya:

Igama elipheleleyo lomqeshi.
Idilesi zeMinyaka emiBini edlulileyo.
Inombolo yokhuseleko lasekuhlaleni.
Umhla wokuzalwa.
Umqashi wangoku.
Umhlali wangoku.

Kumelwe ukuba ubhaliwe imvume yokuBakhokelela kwiNgxowa-mboleko kwiNgxowa-mali

Ukuqhuba isheke kwikhredithi kumqeshi, kufuneka ulandele izikhokelo ezibekwe nguMthetho weNkcazo yeMboleko kwaye kufuneka uqale ufumane imvume ebhaliweyo yokubhala. Umqashi kufuneka asayine kwaye ahlawule umqulu othi bavumelana nokutshekishwa kwekhredithi. Abanini bezindlu abaninzi baquka eli gama phantsi kweFomu yoFakelo. Ukuba ifom yakho yesicelo ayikunikezeli ngokucacileyo imvume yokuqhuba isheke kwi-credit kwi-locator, kufuneka ufumane iphepha elilodwa elisayinwe ngumqeshi, ukuvuma ukukhangela ityala.

Umzekelo:

'Umceli unika imvume kwaye ugunyazisa uMnini kunye nawo wonke ummeli woMnini ukuba enze nayiphi na imibuzo efunekayo ukuqinisekisa ubungcaciso obubonelelwe apha. Olu lwazi lubandakanya, kodwa alukhawulelwanga, udibaniselwano oluqhagamshelwano kunye nabanini-mhlaba bokuqala, abaqeshi, abanini-mboleko, izibhengezo zemboleko, amaziko emali, abamelwane, amasebe amapolisa ... .. '*

* Kungcono ukubonisana nomcebisi wezomthetho ukuchonga amagama afanelekileyo.

02 - Izibophelelo zomhlaba ngaphambi kokuba kuqhutywe i-Credit Check Check

Umnini-mhlaba kufuneka avunywe ngaphambi kokuba aqhube iNgxowa-mboleko kwiNgxowa-mboleko

Ukuqinisekisa ukuba ungumnini womnini wangempela osebenzisa isevisi yabo ukuqhuba ukuhlolwa kwekhredithi kubaqeshi , inkampani ezininzi ziyakufuna ukuba ungenise ulwazi ukuqinisekisa le nto. Iifom ezifunekayo ziyahlukahluka yinkampani, kodwa ingaquka:

Uxwebhu oluqinisekisa idilesi yakho yangoku (i-bill bill okanye efanayo).
Ubungqina bokuchonga (ilayisenisi yokuqhuba okanye ipasipoti).
Ubungqina bokuba unempahla yokuqeshisa (isenzo, uxwebhu lwe-inshorensi, isitatimende sokuboleka imali, ubungqina betayitile, iibhidi zesevisi, isivumelwano sokuthenga).

Ingathabatha iintsuku ezi-2 ukuya kwi-10 ukuze zivunywe, kodwa xa zivunyiwe, kuya kuba yithuba elikhawulezayo lokujika ixesha lokuhlola iikratshi kubaxhamli abaza kuba. Iitshekhi zingenziwa ngamanye amaxesha kwimizuzwana.

Qinisekisa ukuba Uya kuhlawulisa iMali ukuqhuba i-Credit Check

Abanye abanikazi bezindlu bafumanisa ukuba ukuhlawula imali yokufaka isicelo, njengama-$ 15, ukuqhuba i-check cheke iwagcine imali ekuhambeni kwexesha ngenxa yokuba abaqashi abanesityala elibi baya kuvuma ukuhlawula intlawulo. Abanye abanikazi bezindlu abahlawulisi intlawulo kuba besaba ukuba intlawulo iya kubangela abaqeshi abafanelekileyo ukuba basebenzise ukuqesha ipropati yabo.

Enye indlela yokuhlawula umrhumo, kodwa ukuba umnini-mali uhlawula indlu, uya kuhlawula umrhumo ukusuka kwindlu yokuqeshisa kwenyanga yokuqala okanye uya kuyongeza kwi- deposit yabo . Inketho yokugqibela kukuba wenze kuphela ukuhlolwa kwekhredithi kubafakizicelo abakuqala ukushiya idiphozithi kwindlu kwaye bazalise ngokupheleleyo isicelo sakho, ukuze ukwazi ukuba banomdla kweli gumbi.

Qinisekisa izinto ngaphambi kokuba usebenzise i-Credit Check Check

Ukuze uzigcine ixesha kunye nemali, kukho izinto ezithile onokuziqinisekisa wena ngokwakho.

Igama elilindelekileyo lomqashi : Cela ukuba ubone i-ID ukwenzela ukuba uqinisekise ukuba igama nobuso bunye. Yenza ikopi yeSazisi ukugcina kunye nesicelo.
Umlando wezeNgqesho : Unokubiza umnini-mqeshi okhoyo ukuba aqinisekise umvuzo wabo kunye nesimo sengqesho.
Idilesi yangoku i-Tenant ye-Tenant's Current and Landlord : Khangela ukuba bahlala apho, kwaye ukuba kunjalo, bahlobo luni lomqeshi.

Ukuba umqeshi uxoxe ngeyiphi na yalezi zinto, akukho nto ingenangqondo ekuqhubekeni kunye nokukhangela ngetyala ngenxa yokuba ayinakuba ngumntu onokufuna ukuyiqashisa.

03 - Jonga i-Credit Check

Qinisekisa ukuba yiyiphi i-Arhente yeNgxowa-mali oyisebenzisayo ukuza kuHlola i-Credit Check

I-Experian, i-E-Renter.com kunye noMnu Landlord.com zimbalwa zee-arhente ezinikezela ukuboniswa kwabaqeshi. Ukukhangela kwi-intanethi kuza kunika ezinye iindlela ezininzi. Ngaphambi kokuba unike inkcazelo yakho kunoma yimuphi inkampani, yenza umsebenzi wesikolo uze uqinisekise ukuba yinkampani ethembekileyo. Uyabanika ulwazi olunolwazi olufihlakeleyo, olusenokungasetyenziselwa ukutshitshisa ubunikazi bakho kwigama lakho okanye igama lakho lomqeshi, okumele ube ngumntu onoxanduva.

Yenza i-Credit Check

Sebenzisa inombolo ye-Social Security yomqeshi kunye nolunye ulwazi olunikeziweyo ukuqhuba isheke kwikredithi kunye ne-aghenti yokukhetha kwakho. Amanye ama-arhente aya kufuna ukuba uthumele ngefeksi okanye i-imeyile ifomu esayinwe ngumqeshi evumela imvume yokuthenga ngetyala.

Ingaba iza kuthatha ixesha elingakanani?

I-arhente ezithile zingakunika ngetekethi yekhredithi kwimbazuzwana, ngelixa abanye baya kuthatha iintsuku ezimbalwa ukuqinisekisa ubungcaciso.

04 - Hlaziya iziphumo zeCredit Check-Good Credit kunye ne-Bad Credit

Yintoni Okufanele Uyikhangele kwiNgxelo yeMboleko?

Ngoku ukuba unemiphumo yokukhangela ityala, kufuneka uyihlolisise. Njonga i :

Ukuhlawula okuKhatywayo
Akhawunti Ahlawulwayo
Iingxakeko
Imbali Yokunyaniseka (Ukuba Kunikwe)
Izigwebo
Inani elikhulu leMatyala-Nangona ukuba umqeshi ohlawula iibhilikhwe ngexesha, kubalulekile ukujonga ukuba bangakanani na amatyala. Ukuba uninzi lwayo ngeniso yenyanga nganye sele luyenziwe, banokuba nobunzima bokuhlawula irente zabo ngexesha.

Ukuba i-Credit Check ibonisa iGood Credit

Kakhulu! Umqeshi onokukwazi ukufumana imali unelungelo lokuthenga ngetyala kwaye ubonakala ehlawula iibhilikhwe ngexesha. Nangona kunjalo, iingxelo zemali-mboleko ayikho into ekhohlisayo. Abaculi be-Scam kunye nabaqeqeshi abaqeshwe bayazi indlela yokwenyusa ulwazi. Qinisekisa ukuba unemfuneko efanayo yokunyuka-ngaphakathi kumntu wonke. Ungamkeli nayiphi na abaqashi ngaphandle kokufumana okokuqala ukuba zonke iibhokisi ezikhuselekileyo zokhuseleko .

Ukuphononongwa kweNgxelo yeNgcaciso yeMboleko kunye nomqashi ongenakwenzeka

Ukuba iinkalo zomntu oza kuxhamla ngesikweletu sikwazisa, zibuze ngabo. Kukho impazamo ephosakeleyo kwingxelo yemboleko yokuba umnini-mhlaba angaze awazi.

Ukongezelela, abantu abalungileyo bawa ngamaxesha amanzima kwaye isiphako singenokuba ngummeli wendlela yabo yokujonga uxanduva lwemali. Iqabane lingase liqalise ityala phantsi kwegama labo okanye kukho iindleko zobuqhetseba kwingxelo engaboniyo. Akumangalisi ukuba ahlangabezane nomqeshi aze aphulaphule inkcazo yabo.

Ukukhanyela umntu onokuSesikweletu esibi

Ukuba ingxelo ibuyele ingcaciso engafanelekanga malunga nomqeshi oza kuba ngumqeshi kwaye unqumle ukuba ungabaqeshanga ngenxa yekhredithi yabo embi, uMthetho weNgxelo ye-Fair Credit Reporting ufuna ukuba uthathe amanyathelo athile.

Okokuqala kufuneka uthumele iileta "I-Action Out" incwadi echaza ukuba unqabile isicelo somqashi ngenxa yeengxelo zabo zemali. Kumele ufake izizathu ezichanekileyo zokugatya kwakho. Kufuneka kwakhona ukuba unikeze negama, idilesi kunye nenombolo yefowuni ye-arhente oyisebenzisayo ukuqhuba ingxelo yengxelo yemboleko kwaye ubaxelele ilungelo labo lokucela ikhophi yamahhala yombiko wabo wekredithi kwi-agency ngaphakathi kweentsuku ezingama-60.

Ukuqeshisela umntu onokuKhwela kakubi

Uvumelekile ngokusemthethweni ukuba ufuna idiphozithi eyongezelelweyo yokhuseleko okanye ukuba umqeshi unomlingani-nziswano, ngokukhawuleza ukuba unikeze umfaki sicelo "incwadi engeyiyo" ebhekise ukuba ityala elibi liyesizathu salo mfuneko.

05 - Iingcebiso zokuqhubela iNgxowa-mali

Ezinye Iingcebiso Ezibalulekileyo Zokukhumbuza Xa Uqhuba I-Credit Check Check:

Ukukhangela ingxowa-mboleko kubo bonke abaqashi, kungekhona nje "abakuhlambela ngendlela engafanelekanga."
Ufuna imvume ebhaliweyo yokuba ngumqeshi ukuba asebenze ithenkethi.
Abanikazi bezindlu kufuneka bavunywe ngetekethi yekredithi okanye inkampani yokucoca abaqeshi ukuba bahlole ukuhlolwa kwekhredithi kubaxhamli.
Isikrini bonke abafake izicelo ngokufanayo ngendlela efanayo ukuze ningatshutshiswa ngocalucalulo.
Ukuba wenqaba ukurenta umntu onetyala elibi, kufuneka ubathumele ileta "yeNkqubo engeyiyo".
Njalo ulandele imiqathango ye-Fair Credit Reporting Act.
Kuhlala kukulungele ukuba yonke into isayinwe kwaye ibhalwe ukuze uyikhusele.
Gcina amaxwebhu kunye neengxelo zemali-mboleko kwindawo ekhuselekileyo xa umqashi ezama ukukugweba ulwacalulo. Unokukrazula ingxelo engekonkcenkceshelo yokubuyisela isikhundla sakho.
Qiniseka ukuba ukhetha i-credit agency ehloniphekileyo ukuqhuba ingxelo.
Kungenxa yokuba omnye umntu unengxelo efanelekileyo akuthethi ukuba baya kuba ngumqeshi ofanelekileyo. Ungavumeli ukuba uqaphele!
Ukuhlolwa kwendawo yangaphambili kunye nokuhlolwa kwetyala akufani. Ingxelo yokuhlola i-background inikezela ngakumbi kwingxelo enzulu malunga nomqeshi onokuba ngumntu kwaye unokudibaniswa kunye nokutshekishwa kwekhredithi. Ufuna kwakhona imvume ebhaliweyo yokwenza isheke yangasemva.