Qinisekisa ukuba ingxelo yenkampani yakho ichanekile kwaye ikhululekile kwiiphoso
Ukwazi okubanzi malunga nabathengi bakho, abathengi kunye nabathengisi banokukunceda wenze izigqibo ezinolwazi kwaye ubeke imigangatho eyenzela ukuphucula inzuzo yoshishino lakho ngeli xesha unciphisa ingozi. Oku kungenakuthi ingxelo efanelekileyo yebhanki yeekhredithi ihamba ngeekhilomitha ezilikhulu ekuvuleni amawaka eemali ezixabisekileyo eziza kwenza inkampani ibe yimpumelelo.
Nangona kunjalo, amanini amancinci amashishini amancinci athatha ixesha elide engakhangeli ukujonga iingxelo zeentengo zekhredithi.
Njengomnini-shishini, ingxelo yakho yebhanki yebhanki iyona nyathelo ebalulekileyo ekusebenzeni ngokuphumelelayo nasekukhuleni ishishini lakho.
Ngaloo nto, kubalulekile ukuba uqaphele ukuba ingxelo yebhanki yakho yebhanki inkulu kakhulu, ngokusekelwe kwinombolo ye-Identifier Employer yakho (EIN) ngenjongo yokuba nayiphi na imibuzo eyenziwa yikratshi, i-akhawunti ivuliwe, iimali-mboleko zoshishino okanye ezinye izenzo zetyala, ngokuqinisekileyo baya kufumana indlela yabo kwingxelo yeentengo zemboleko. Kwakhona, ingaba ishishini lakho lihlawula iindleko zaso ngexesha, liye laxelwa okanye lafakwa kwi-bankruptcy, iingxelo zeentengo zemboleko zoshishino zidlala indima ebalulekileyo kwishishini lakho.
Ukubaluleka, kubalulekile ukuba njengomnini-shishini, uyaqonda ngokucacileyo indlela yokuyalela ingxelo yekhredithi yakho yebhanki kwixesha eliqhelekileyo ukwenzela ukuba uqinisekise ukuba iimpazamo, ezinokuthi zonakalise kakubi umlinganiselo wekhredithi lakho ishishini azikho kwi-credit ingxelo. Nantsi indlela yokuhamba ngayo.
Tyelela iWebhusayithi eyiyo
Nangona unako ukufumana ingxelo yekhredithi yakho yebhanki evela kwiibhanki ezithile, indlela elula kunye neyona ndlela ifanelekileyo yokufumana le ngcaciso kukuvakashela kwiiwebhusayithi ezibizwa ngokuba yi-Equifax Small Business, i-Experian Business kunye ne-Dun ne-Bradstreet ingxelo.
Ngena kwaye Uqinisekise iShishini lakho loLwazi
Kwiwebhusayithi oyifunayo, faka igama lenkampani yakho okanye ishishini ngokuchofoza kwikhonkco le-'Shishini elincinci, apho ikhonkco elitsha liza kukhupha ukukuvumela ukuba ufumane ingxelo yakho yekhredithi ngokukuqhagamshela kwikhasi lewebhu elifanelekileyo apho uya kuba ukuqinisekisa ubungqina boshishino. Ufanele ukwazi ukufaka igama lakho lebhizinisi. Ngokuxhomekeke kububanzi begama lakho lebhizinisi, unokufuneka ukuba ungeze ulwazi olongezelelweyo njengendawo yakho yezoshishino.
Ukuhlawula iBhanki yeNgxowa-mali
Kwiimeko ezininzi, iingxelo zemboleko zentengo zifumaneka kwihhala ubuncinane kanye ngonyaka. Nangona kunjalo, ingxelo yengxelo yeentengo zemali yenza ukuba uhlawule ngaphambi kokuba uvumeleke ukuba ufikelele kwaye ukhangele. Uya kuba neendlela ezimbini zokuba uhlawule ingxelo yengxelo yesikweletu sexesha elilodwa kuphela okanye ubhalisele iingxelo zonyaka kunye neyokugqibela esincinci. Nangona kunjalo, kukuphezu kwakho konke ukukhetha ukuba yeyiphi indlela enokusebenza ngayo.
Kule nkalo, kufuneka ugxininise inketho yakho yokuhlawula uze uklikhawule kuyo. Inkqubo yokuhlawula kufuneka igqitywe ngokufaka igama lakho, inombolo yekhredithi kunye nokuhlaziywa kolunye ulwazi olufunekayo. Uya kukwazi ukujonga ingxelo yekhredithi yakho yebhanki, eya kufumaneka kwi-intanethi okanye iyakuthunyelwa kwidilesi yakho ye-imeyile ukuba ucacise oko.
Ukuhlaziywa kweNgxelo yeMali yeNgxelo
Njengomnini-shishini, akukho cetyiswa ukuba ufumane ingxelo yengxelo yeentengo zekhredithi ngenxa yaloo nto, kodwa kunokuba uhlolisise ngokucophelela nayiphi na impawu yokuchasana okanye umsebenzi wokukhwabanisa. Kubalulekile ukudibanisa negunya elifanelekileyo kunye nabantu ngabanye kwii-credit bureaus ngokukhawuleza xa ubona nawuphi na umsebenzi oqhelekileyo. Ngokwenza oku, khumbula ukuba kukho 'iqhagamshelana nathi' iqhosha kwicala elingezantsi kwephepha apho ungakwazi ukunxibelelana nabaphathi abathintekayo. Cetyiswa ukuba ihlala isempilweni ukuhlawula nayiphi na isitenxo kwi-yorhwebo ingxelo kwingxelo.
Hlola kwenye i-Credit Bureau
Nangona kungenakunqwenela ukufumana ulwazi lobuxoki kunaliphi na i-credit bureau bureau, ngamanye amaxesha ukulungele ukujonga ngeendawo ezahlukeneyo zeentengo zemboleko zoshishino ukuqinisekisa ukuba yonke into ihlelekile.
Kule nto, khumbula ukuba zonke iikopi zeengxelo zekredithi zeshishini lakho zivela emva kokuba uqale, ukwenzela ukuba bangene kwiimeko ezifunekayo ukuba babonise ubungqina, bathi kwimpikiswano kunye ne-credit bureau okanye nkampani ye khredithi.