Indlela yokugada iindlela zokuLungiselela iingxelo zeNgxelo zeNkcazo kunye neeNgxelo zeMatyala
Yonke le datha yinto esetyenzisiweyo ukuza kunye namanqaku akho ekhredithi ngokuqhelekileyo ephakathi kwama-350 no-800.
Amanqaku e-kredit ye-350 ithetha ukuba awuyikuhlawula iindleko zakho ngexesha kunye neebhanki kunye nabathengisi banomngcipheko omkhulu xa bekhetha ukunyusa isikweletu kuwe. Oku kuthetha ukuba amanqaku amancinci aphantsi aya kunciphisa okanye abulale namathuba okufumana nayiphi na indlela yokuncedisa ngemali kwiziko lemali, umthengisi okanye nayiphi na enye imvelaphi.
Ngakolunye uhlangothi, amanqaku aphezulu akhredithi abonisa ukuba umntu uhlawula zonke iindleko zabo ngexesha kwaye izinzile ngokwezemali. Oku kukhangeleka kubabolekisi ukususela kwiingqondo zabo, ingqiqo kukuba umntu ngamnye kumbuzo unamandla okubuyisela nayiphi na uhlobo lokuthenga ngetyala. Kwakhona kubaluleke kakhulu ukuba wonke umntu ahlale phezulu kumdlalo xa kuziwa kwiingxelo zeengxelo zekredithi.
Ngamanye amaxesha, abagculeli bangaphula kwi-akhawunti yakho yekhredithi kwaye baboleke iimpahla okanye iimali-mboleko egameni lakho ngaphandle kolwazi lwakho. Oku kuya kunciphisa ukulinganiswa kwamanqaku akho kwirejista ukususela ngexesha oyaziyo ngalo, umhla wokuhlawula uza kugqitywa kwaye ugqiba ukwenza iintlawulo ezilibazisekile.
Ngoko, yintoni enye indlela engcono yokujonga ubungakanani bakho bekhredithi? Kukufumana ingxelo yengxelo yemboleko rhoqo kunye nokubeka esweni umsebenzi. Kukho amaziko ahlukeneyo anikezela iingxelo zekredithi ngoko sibone iindawo ezifanelekileyo zokufumana iingxelo zemboleko.
CreditReport.com
Le ngxelo yokubika ngetyala kwaye iqhutywe yi-Experian enye yee-credit bureaus ezijongene nokudala iingxelo zemboleko kubantu ngabanye kunye namashishini .
Xa ujoyina inkqubo, unelungelo lokuvavanywa kwexesha leentsuku ezingama-7 emva kokuba ungakhetha ukukhansela okanye ukuqhubeka neentlawulo zokuthenga. Iiprogram zeNkcazo zeNkcazo zinikela kuphela ukufikelela kwiNgxelo yakho yeentengo zemboleko yemihla ngemihla kunye nenyanga nganye.
Nangona kunjalo, xa ubhalisa ukuba ufumane ingxelo evela kwii-arhente zeseburhulumenteni ezintathu, kukho intlawulo yeenyanga ezingama-24.95. Ngaphezulu kweengxelo zemboleko, isayithi lihlola ingxelo yakho imihla ngemihla kwaye xa kukho nawuphi na ukufumana ukukhwabanisa, izilumkiso ezizenzekelayo zithunyelwa kuwe nge-imeyili kunye nombhalo. Ikwabonelela ngeNkcazo yeNtsholongwane yeNtsholongwane ye-$ 50,000 kuphela xa i-akhawunti yakho ithatyathwa. Kwakhona kubakho ukukhusela ubuqhetseba obunobungakanani bendleko ye-$ 15.95 kunye ne-Experian credit tracker ngentlawulo ye-$ 1 ngeveki.
Experian
Le ndawo yesikhulu se-credit bureau esiseDublin njengekomkhulu layo. Ingxelo yekhredithi evela kule sayithi ikuvumela ukuba uqhathanise iingxelo zeentengo zemboleko eziveliswe ngamaziko amathathu. Ukubhalisa kunye nokudala i-akhawunti kunye ne-Experian kuthetha ukuba uya kunikelwa ixesha lokuvavanya lusuku oluyiminyaka emithathu emva koko uza kufuneka ubhalisele iirekhodi kwimirhumo okanye ukhansele. Ingxelo evela kule sayithi ikunika amandla okubeka iliso ingxelo yakho yansuku zonke, ukukhusela i-akhawunti yakho kwi-Identity Wift Protection kwaye ubone ukuba kukho impazamo kwingxelo yakho ngokukhawuleza.
Kwakhona kunokwesekwa kwamahhala apho ungenza khona uphando malunga neengxelo zakho nanini na.
ULwazi loLwazi
Ukuba necebo leplatinum kule ndawo liya kukunika ukufikelela kwiingxelo ezintathu zeentengo zemboleko ezivela kwiinkonzo zentengiso ezintathu. Oku kukunika ubungqina obuchanekileyo kunye neyonyani apho uhlala khona ngezimali nangaliphi na ixesha. Oku kubangelwa ukuba yonke i-bureau isebenzisa indlela eyahlukileyo ngokupheleleyo xa kufikelelwe ekumiselweni kweengxelo zemboleko. Ngaphandle kweengxelo zemboleko, uza kuba ne-inshorensi yobambiso-bhojiso yobunikazi obuza kusebenza kuphela xa uba lixhoba lobusela besazisi. Uya kufumana izilumkiso ezikhawulezayo xa kukho umsebenzi okhangela umdla. Kuyafana naluphi na umntu ohlukileyo ezama ukufikelela kwikhredithi esebenzisa igama lakho. Amanyathelo alandelayo achaza ukuba ingxelo oyifumanayo iyinyani kwaye iyabonakalisa indlela oye wenza ngayo imali.
CreditSesame
Le sayithi isebenza ngokubambisana kakhulu kunye ne-TransUnion ukubonelela ngababhalisi ngenkonzo yokubeka iikhredithi kwakunye neengxelo zenyanga njengoko zihlaziywe nguTranscription. Inomsebenzi weselula owenza amalungu akwazi ukuzonwabisa nokufumana ingxelo evela kwintuthuzelo yefowuni yabo. Inomxholo ocebile ngendlela umntu anokuphucula ngayo amanqaku akho ekwereta okanye kunokuba ungayakha njani okanye ulungise amanqaku akhoyo akhoyo. Unenkululeko yokukhetha phakathi kokubhaliselwa kwamahhala angenalo ulwazi oluninzi malunga neengxelo okanye ukhethe ukuphucula nokuhlawula iibhaliso zenyanga. Imirhumo iya kukunika ithuba lokubeka iliso kwibaphulo-mali, kunye nayo nayiphi na enye imiba engenzeka kwingxelo yakho.
MyFICO
Le yinye indawo evela kwi-FICO, umseli wefom yokwenza umzekelo esetyenziswe ngamatrika e-credit bureau amathathu. Unika uluhlu olubanzi lweenkonzo ezifana nokubeka iliso, ukubika ngetyala kunye nokukhusela ulwaphulo. Ingxelo yekhredithi evela kwi-FICO ithunyelwa ngekota (zonke iinyanga ezintathu) ukwenzela ukuba abantu bahlaziye isikhundla sabo semali baze babone ukuba bafakwa njani ngokufanelekileyo ngokubaluleka kwemboleko . Ingxelo yekhredithi ekhishwe yi-FICO ivela kwi-arhente ezintathu, kunye ne-arhente nganye inika ingxelo ehlukile, ikuvumela ukuba uthelekise bonke.
Into enhle malunga nokuba neengxelo ezintathu kwi-arhente ezintathu kuba ngabathengisi nababoleki banokubuza malunga naziphi na iingxelo ezivela kwii-ofisi ngaphambi kokuba zenzele i-credit kuwe. Oku kuthetha ukuba xa unayo yonke ingxelo, uya kuba nako ukulungisa ngokukhawuleza. Ku-$ 29.95 ngenyanga, uya kukwazi ukufumana iingxelo zeentengo zemali kunye nokubeka iliso lonke ulwazi malunga namatyala akho kunye nomsebenzi wokuhlawula. Kwakhona i-inshorensi yobambiso yobunini obufanele i-$ 1,000,000 equka ukubeka esweni nayiphi na imisebenzi engavumelekanga kwi-akhawunti yakho, ukuthumela izilumkiso zeengqekembe kunye nokuncedwa kwekhredithi.
CreditKarma
Le yinye indawo efanelekileyo apho ungakwazi ukufikelela khona lula ngetyala lakho. Iqabane lamashishini kunye neTransunion ukukunika ulwazi olunzulu malunga nekhredithi yakho. Izixhobo zemboleko zemali zeKreditKarma ziquka; Iingxelo zeengxelo zemboleko ezivela kwi-TransUnion, uhlalutyo olunzulu lwengcaciso yakho yezemali malunga nemali mboleko kunye nezinye iirhafu zemali, indlela olawula ngayo iimali zakho kunye namatyala kwakunye nokunika umthengi umlinganiselo wesikhokhiso semboleko. Ngeli sayithi, ingxelo evela kwi-TransUnion ikhululekile kwaye iza neengcebiso malunga nendlela onokuphucula ngayo amanqaku akho okwereta kunye nokulawula amatyala.
Isayithi inembile kwaye isebenzise umsebenzisi kwaye inika indlela elula yokubona ingxelo yakho ngaphandle kweenkqubo ezininzi zokuhamba ngeendlela. Umgca wecala kuphela kule sayithi kukuba unikezela ingxelo enye kwenye yee-burea kwaye oku kunokunciphisa umntu ukuba angene kwindawo ekhoyo yezimali. ukuqonda ngokuzinzile kwezemali zakho.
IdentityForce
Oku kufanayo ngokufanayo kwi-Identity Guard kwaye inika amalungu amatsha ixesha eli-30 lemihla yamahhala emva kokuba umsebenzisi angakhetha ukuba angakhansela ukubhalisa okanye ukhethe i-$ 13 (i-ultra-ephephile) okanye i-$ 20 (i-credit-secured + credit) ingxelo yokuthenga ngetyala ngenyanga. Umntu owake wangena kuphela unikela iinkonzo zokubeka iikhredithi ngelixa ekugqibeleni kukunika ithuba lokujonga ingxelo engaphezulu yemboleko ehamba kunye nenqaku lakho lekhredithi.
Ingxelo yesitalato inikwa emva kweenyanga ezintathu (ngekota nganye). Into enhle malunga nokubhaliselwa kwesi siza sokunika ingxelo ngekhredithi kukuba unokuqhathanisa iingxelo ezintathu ezahlukileyo kwiindawo ezintathu kwaye xa ufumanisa nayiphi na imeko yobusela besazisi okanye ukuthengiswa okungagunyaziswanga ngumntu wesithathu, uphakamisa i-alamu ngokukhawuleza ukuze wenze amanyathelo afanelekileyo kunye ukukhuselwa kuthathwa. Ekugqibeleni, izilumkiso ezikhawulezayo zithunyelwa ngeetekisi kunye ne-imeyile xa kwenzeka nayiphi na into esolisayo kwi-akhawunti yakho. Kukho i-$ 1 yezigidi ze-inshorensi yobambiso bomshuwalense kubasebenzisi.
TransUnion
I-TransUnion yenye yee-credit bureaus ezigunyazwe ngomsebenzi wokubonelela ngeengxelo zekhredithi kunye nezikolo zemali-mboleko kubantu ngabanye kunye namashishini . Ngaphandle kwesigunyaziso, sinayo inkonzo yokujonga ngetyala eyenzelwe ukugcina bonke ababhalisile ngokutsha kunye neenguqu kwiingxelo zabo zekhredithi kunye namanqaku. Njengelungu leTransnnion, uya kuba nokufikelela okungenamkhawulo kwingxelo yakho yekhredithi kunye nezikolo zemali-mboleko kwi-subscription yenyanga. Unokwenkcenkca inkcazelo yakho yekhredithi ukusuka ekufikelelekeni ngabasithathu usebenzisa i-lock touch lock yakho kwiprofayili yakho. Xa kukho nayiphi na utshintsho kwingxelo yakho yekhredithi kunye namanqaku, uya kukwaziswa ngefowuni kunye ne-imeyile.
Enye into eyenza i-TransUnion enye yezona ndawo zihamba phambili kwiingxelo zeentengo zemali-mboleko zikwazi ukuhamba kwinqanaba lakho lekhredithi usebenzisa uphawu lokuhamba. Ngaphezu koko, unako ukulinganisa kwaye uqikelele ukuba imisebenzi ethile inokuchaphazela njani i-credit yakho usebenzisa i simulator yemboleko. Ukuze kuncede abantu benze i-smart moves ngemali yabo, isiza sinikela ngetyala lomntu kunye nokuhlalutya kwamatyala kuwo onke amalungu. Iintlobo ezimbini zokubhaliselwa zikhoyo; i-9.95 yentlawulo ngenyanga kwaye i-$ 19.95 ngenyanga. Olu hlobo luneenkalo ezinxulumene neyokuqala. Ezinye zezinto ezizodwa ziquka; ukuvalela nokuvula ingxelo yakho yekredithi, ukuya kwi-inshuwalense ye-ID eyi-1 000 000 ye-ID, i-simulator yamanqaku kunye nohlalutyo kunye nokuhlalutya kwamatyala phakathi kwabanye.
Equifax
Le ngenye yeevenkile ezintathu zeentengo zemboleko e-United States zihlawulise ukulungiselela iingxelo zeentengo zemboleko, ukubeka esweni kunye nokubonelela ngamanani okukhishwa kwamatyala abantu kunye namashishini. Yenza ukuba abathengi bakwazi ukufikelela kwiingxelo zabo kwiivenkile ezintathu emva konyaka. Inenkqubo ye-Equifax epheleleyo yokuxhamla inika i-3 bureau credit credit ingxelo kunye kunye nokubeka iprojekthi yakho yekhredithi. Ingxelo ye-3 yengxelo ikhutshwe rhoqo ngonyaka nakuba abaxhasi bangakwazi ukufikelela kwiingxelo zabo nge-Equifax ngokubhalisela ukuba bazalise ingxelo okanye iNgxelo yeMboleko kunye neMaphu.
Ingxelo epheleleyo ikuvumela ukuba ufinyelele kwiingxelo ze-ofisi ze-3 ze-$ 39.95. Kulabo bafuna ukufumana iingxelo zabo ngokuphindaphindiweyo, kukho ipakethi yenyanga ye-3 eya kwi-99.95. Ngaphandle kweengxelo, i-Equifax inikezela nge-ID ye-inshuwalense ye-inshorensi eyi-25,000 kuphela nje ukuba uba lixhoba lobabi. Ngaphezulu, unokuhlala unolwazi kunoma yimuphi umsebenzi osolisayo onokuqhubekayo kwi-akhawunti yakho ngokukhawuleza ukufumana iifowuni kunye ne-imeyli izaziso ezihambelana nomsebenzi weselula. Okukuphela kwengozi kunye ne-Equifax kukuba ukuba ufuna i-bureau ye-3 ingxelo rhoqo, ngoko kufuneka uhlawule imali engaphezulu, kufuneka uhlawule ingxelo yonyaka yonyaka.
Ingxelo efanelekileyo yekhredithi equle yonke inkcazelo malunga nendlela ojongene ngayo nezibophelelo zakho zezemali kubaluleke kakhulu xa ufaka isicelo semboleko okanye nayiphi na enye inhlobo yemboleko. Iifolisi ezintathu kuphela zigunyazwa ukuvelisa le ngxelo nangona i-ofisi nganye isebenzisa imizekelo eyahlukeneyo ukuba ifike ngamanqaku akho. Kuhlala kucebise ukuba ubhalise kuzo zonke iifriji ngenjongo yokufanisa kuba ingxelo nganye iyahluke. Iziza ezidweliswe apha zidibanise kunye nenye, ezimbini okanye zonke ii-ofisi zesikhokelo ezintathu ukwenzela ukubonelela ngamalungu abo ngeengxelo zekhredithi.