IiNgxelo zeNkcazo zeThengi ziyakusindisa imali
Ingxaki Ngokungabi Nokwenziwa Kwetyala
Ngokutsho kukaDunn & Bradstreet, ubuqhetseba bemboleko bubiza iibhizigidi zeedola ngonyaka.
Amashishini amancinci angaba yingozi kakhulu-ukuthengiswa kwezinto ezixabisa izixhobo okanye iiveki okanye iinyanga zenkonzo ezinikezelwa kumthengi ongenako ukuhlawula zingaba zichithe imali ngokwemnini kumncinci. Abakontrakta kunye namashishini amancinci kaninzi abaqapheli ukuba abaxhasi babo banzima kwimali baze bafumanise ukuba umthengi uphawuleze.
Abaninzi bamashishini bezoshishino basebenzelana nokholo, njengokuba kunjalo, ukwenza ikhonkco yokutshekisha ngokucela umthengi ngereferensi. Le yinkqubo enhle kwihlabathi elifanelekileyo apho wonke umntu uthembekile. Ukuba sasihlala apho, asiyi kubaleka ukuhlolwa kwekhredithi kwindawo yokuqala.
Ingxaki ngokusetyenziswa kwezikhonkco njengokuhlolwa kwekhredithi kukuba abathengi abaneengxelo zemali zemali eziqhekekileyo bayaziqhelanisa nenkqubo kunye nenkqonkqo baye bachonga ngokucacileyo zabo iingxelo ukuze ufumane kuphela inguqu ephucukileyo yeembali zabo zemali xa ubuza.
Ukuba ukhathazeke ngokudlulisela isikweletu kumthengi okanye kwinkampani, utyalomali kwingxelo yemboleko. Ingxelo yekhredithi iya kukunika ulwazi olufunekayo ukwenza isigqibo malunga nokuba ungenakwandisa i-credit.
Ingxelo yengxowa iya kubandakanya idatha yenkcitho yomthengi, iirekhodi ze-bankruptcy, naziphi na izigwebo, izigwebo kunye nezigwebo zenkundla ezichasene nenkampani, kunye nokulinganisa umngcipheko ochaza kwangaphambili ukuba kukho inkokhelo yentlawulo-yonke inkcazelo oyifunayo ukwenza isilumko esilumkileyo malunga nokuba u nga khulisi.
Fumana imvume kuMthengi Ngaphambi kokuba uhlole i-Personal Credit Credit Check
Ngokomthetho kufuneka ufumane imvume ngokubhaliweyo kumthengi ngaphambi kokuba uhlole i-credit credit. Umthengi onqabe ukunika imvume mhlawumbi unobungozi obubi bekhredithi.
Ibhankaso vs Credit
Ikhredithi yoshishino iyahluke kwi-credit card, ngoko ke ukuba umthengi wakho yile shishini uza kufuna ingxelo yengxelo yeentengo kunokuba umntu ngokwakhe ngaphandle kokuba umthengi ungumnikazi wedwa . Ngokungafani nekhredithi yomuntu, ulwazi lwekhredithi yoshishino lukarhulumente kwaye lunokufunyanwa kwimali evela kwi-credit bureau.
Ziziphi iinkcukacha ezinikezelwa kwingxelo yeMboleko?
- Ukuchonga ulwazi-kwingxelo yomntu siqu kubandakanya igama, idilesi, inombolo yokhuseleko loluntu, umhla wokuzalwa, umqeshi, njl. Ingxelo yengxelo yemali isebenzisa inombolo ye-ID yomqeshi we-IRS ukuchonga.
- Iimali zeebhanki - amakhadi asebhanki, iimali-mboleko zemali, iimali-mali. Kubandakanya imida yemali, ukulinganisela kwemali, iimbali ezikhoyo, iimbali zentlawulo, njl njl
- I-Credit Rating kunye neKharityhulam yeMali kunye nama-5 amanqaku okuthenga ngetyala (i- VantageScore® 3.0 ).
- Iirekhodi zikawonkewonke kwiingxowa-mali ezingadluliyo, kubandakanywa i-bankruptcies, i-foreclosures, suit, liens, njl.
- Imibuzo yeNgxowa-mali ( iminyaka engama-2 edluleyo ) kubaboleki, izicelo zekhadi zekhredithi kunye neemboleko zemali
Indlela yokufumana ingxelo yeMboleko e-US naseKhanada
Ufumana njani ingxelo yengxelo yemboleko kumthengi othile? E-US naseKhanada, usebenzisa i-credit bureau, i-arhente elizimeleyo elinika ulwazi ngembali yomntu wekredithi okanye inkampani. Kukho ininzi yemali-mboleko ye-credit, enkulu kunaye i-Dun & Bradstreet, i-Equifax, i-Experian, ne-TransUnion.
Imirhumo iyahluka ngokuxhomekeke kwimiba efunekayo-ingxelo yengxelo yeentengo zemali ingabandakanya izinto ezongezelelweyo ezifana nezikolo zeengozi zeNgxowa-mali kunye ne-Business Failure Risk Scores. Iimveliso ezinxulumene nezixhobo zokuthintela ubuqhetseba nazo zibonelelwa ngamagosa amakhulu.
Kwiimeko ezininzi, kufuneka ube ilungu le-credit bureau phambi kokuba ufikelele kwiinkonzo zabo kuba iingxelo zekredenti kwabanye abantu okanye amashishini azifumaneki nakubani na.
Emva kokuba ube ilungu okanye ubhalisele kwi-bureau, uya kuba nokufikelela kwiingxelo zekhredithi kwi-intanethi, nangona unako ukuthumela nabo ngeposi okanye ngefeksi ukuba ukhetha.
Ngaba iingxelo zeNgxelo zemboleko zihlala zichanileyo?
Ngelishwa, iingxelo zemboleko aziqinisekanga ukuba zichanekile ngokupheleleyo - zikhona izigidi zemali ebhaliweyo neziphene ziqhelekileyo - ezinye iingcali ziqikelela ukuba kukho iiphotho kwi-10 ukuya ku-33 pesenti yeefayile zeentengo zemboleko.
Ukukhanyela uMboleki kuMthengi
Ukuba ukukhangela kwekhredithi kubuya kumbi kufuneka uthumele inqaku elihloniphekileyo kumthengi ubazise ukuba awukwazi ukwandisa ikhredithi ngeli xesha. Oku kufuneka kwenziwe ngokucokisekileyo ngendlela enokwenzeka ukuze ugweme ukuphulwa. Inqaku kufuneka litsho isizathu sokuba isicelo sokukhishwa ngetyala siyanqatshelwe, sibulele umthengi, kwaye unikele ngezisombululo ezifana neentlawulo zemali.
Yenza iNgxowa-mboleko ihlola isenzo
Ukwamkela kuphela umlinganiselo wengozi okhululekile ngayo yindlela efanelekileyo yokuhamba ebomini. Ukusebenzisa iingxelo zemali-mboleko ukwenza ukuhlolwa kwekhredithi kubathengi kungaba notyalo-mali oluhle ngokubhekiselele kwimali yakho kunye noxolo lwakho lwengqondo.
Ukufumana okungakumbi malunga nokuphathwa kwemali yokuhamba kwemali kubona: