Ukuba nekhredithi embi kunokumisela ubuninzi bemiceli mngeni, ukusuka kwimvume mboleko ukuya kwisivumelwano somqeshi kwindlu yakho. Ukuqonda ukuba amanqaku akho ngetyala asebenza njani linyathelo lokuqala lokumisela indlela yokulungisa ikhredithi yakho.
Gcina ikhadi lakho letyala kwisipaji okwangoku. Senze uphando ukuze ukwazi ukugxila ekulungiseni ityala lakho kwaye ubethe ezo njongo zezemali kuluhlu lwakho lwamaphupha.
Ukuqalisa ngokulungiswa kweMboleko
Ukujongana ne-credit bureaus bububi obuyimfuneko kubantu abaninzi abahlala eMelika. Kubantu abancinci abakwiminyaka yama-20 nama-30s, amava abo ngamanye amaxesha ayasilela, akhokelela kubunzima obongezelelekileyo.
Ngaba unayo imali eseleyo yekhadi letyala? Sukuba nexhala; besikho sonke. Ingxelo yetyala yasimahla ihlala inyathelo lokuqala xa umtsha kwinkqubo. Uya kufuna ukuqonda ukungena kunye nokuphuma kweengxelo zekhredithi, ngakumbi ukuba amanqaku akho etyala afuna ukunyuselwa.
Fumana iNgxelo yamaTyala yasimahla apha
Yintoni amanqaku eSikweletu?
Amanqaku e-Fico linani elibalulekileyo xa kuziwa kulawulo lwezezimali zakho njengomntu omdala.
Olu luhlu luphakathi kwama-300 nama-850. Inika umfanekiso wakho, njengomthengi, nendlela oyisebenzisa ngayo imali yakho. Ukuba ukwazile ukuhlawula amatyala akho ngexesha kwaye unemikhwa efanelekileyo yokuchitha, amanqaku akho aya kulunga.
Konke kusekelwe kwimbali yakho: mangakanani amatyala onawo, iimeko zokuhlawula, inani leeakhawunti, nokunye okuninzi. Yiyo le into ababolekisi abayisebenzisayo ukumisela ukuba uyafaneleka na kwimali mboleko mboleko okanye yemoto. Le yimizekelo nje emibini kuninzi apho kubalwa khona ityala.
Amanqaku aphakamileyo, kokukhona kuya kufuneka wenze iintlawulo ngexesha elifanelekileyo kunye ezifanelekileyo, okanye yindlela abayibona ngayo, ubuncinci.
Kukuchaphazela njani ukuKala iMboleko embi?
Ngaba amanqaku akho etyala angaphezulu kwe-670 okanye kunjalo? Oku kufanelekile. Nantoni na engezantsi kwelo nani sisiphumo esiphakathi (ngaphandle kokuba uguqe nangaphantsi kwama-580). Ukuba uwela kudidi lokugqibela, oko kuthetha ukuba unetyala elibi.
Iinkampani zokunika ingxelo ngetyala zinokwenza ubomi bube nzima ngakumbi kunokuba kufanele ukuba kube njalo. Imbali yamatyala amnyama inokukuchaphazela ngeendlela ezininzi, kubandakanya kodwa kungaphelelanga:
- Ilebheli yomngcipheko ophezulu: Unokubhalwa ngomngcipheko omkhulu ngababolekisi, oko kuthetha ukuba ithuba lakho lokufumana imali mboleko liya kuba lincinci.
- Iipremiyamu zeinshurensi: Ukuhlawula kakubi ngetyala kunokuthetha ukuba iipremiyamu zakho zeinshurensi ziphezulu kunokuba kufanelekile.
- Ingqesho: Abanye abaqeshi banokukukhanyela umsebenzi ngokusekwe koku, njengoko kunokubonisa ukunqongophala koxanduva emehlweni abo.
- Amaxabiso enzala: Unokujamelana nemilinganiselo yenzala ephezulu ngenxa yayo.
Kutheni ufuna ukuLungisa iMboleko?
Yonke into edweliswe apha ngasentla yenza izizathu ezifanelekileyo zokulandela ukulungiswa kwamatyala. Ityala elibi linokubeka isidambisi kwizigqibo ezinkulu zezemali kwaye likugcine kumngxuma wetyala, ekunokwenzeka ukuba uzama ukuwususa kwasekuqaleni.
Ukuthenga indlu ngetyala elibi
Ukuba imbali yakho yamatyala yehla ngezantsi kolo didi luphakathi malunga nama-580, oku kuyakuchaphazela ukubanakho kwakho ukuthenga indlu. Oku akuthethi ukuba ayizukwenzeka, kodwa inokuza ngenqanaba lenzala ephezulu okanye eminye imigqaliselo enokuthi iyenze mandundu imeko yakho yoqobo yezemali.
Uyilungisa njani iKhredithi yakho: Inyathelo ngenyathelo
Iindaba ezilungileyo kukuba kunokwenzeka ukulungisa ikhredithi yakho. Kuthatha ukwazi, kodwa sikufumene.
Lungisa iKhredithi yakho kwi-Intanethi
1. Misela apho umi khona
Yinkqubo elula yokufumanisa amanqaku akho. Iingxelo zetyala zininzi, kwaye unokufumana ingxelo yasimahla kwi-Intanethi.
Fumana ingxelo yeNtengo mahala
Uya kufumana ukhetho oluninzi lwengxelo yasimahla xa uvula isikhangeli sakho. Ezinye iiwebhusayithi kunye neeofisi zamatyala zibonelela ngeengxelo zekhredithi ezivela kwiinkampani ezimbini ukuya kwezintathu, ukuze ubone ukuba zithelekisa njani.
Wazi amanqaku akho eMboleko
Ngoku ukuba uyaqonda ukuba athetha ntoni la manani, uyakuba nembono elungileyo ngomfanekiso wakho wekhredithi xa ingxelo yakho igqityiwe.
Fumana ikopi yeNgxelo yakho
Kwiimeko ezininzi, inkampani iya kuyithumela nge-imeyile ingxelo yakho kuwe. Kubalulekile ukwenza ikopi eprintiweyo, nangona kunjalo, kwimeko apho ufuna ukudibana nabacebisi ngetyala okanye inkampani yokulungisa ityala.
2. Yazi ukuba ujonge ntoni kwiNgxelo yakho
Ingxelo yakho yetyala iya kubandakanya ngaphezulu kwenani.
Luluphi ulwazi olubonakalisiweyo kwiNgxelo yeTyala?
Uninzi lweengxelo zetyala zibonisa ezi ndidi zilandelayo.
- Imbali yentlawulo: Ngaba unayo intlawulo yasemva kwexesha okanye engagqitywanga?
- Ukusetyenziswa kwetyala: Umyinge weebhalansi zekhadi letyala ezingekahlawulwa kwimida yakho.
- Iindidi zekhredithi: Oku kubandakanya iiakhawunti ezivuliweyo, izavenge kunye nokujikeleza.
- Imibuzo ngetyala: Xa umntu wangaphandle ejonga ingxelo yakho yekhredithi, njengomqeshi.
- Ubude bembali yamatyala: Unexesha elingakanani unetyala.
3. Jonga iimpazamo kwiNgxelo yakho
Kwenzeka amaxesha ngamaxesha kwaye ngesiqhelo kwezi meko zilandelayo: ulwazi lomntu, ukuxela iimpazamo, amatyala ovela kwiqabane langaphambili, okanye amatyala amadala angaphaya kweminyaka esixhenxe.
Lungisa iKhredithi yakho ngokuChasa iimpazamo
Olona hlobo kuphela lokuphikisana neempazamo zakho kukunxibelelana nenkampani yengxelo yamatyala.
4. Hlawula emva kwexesha okanye iiAkhawunti eziHlawulelwe ixesha elidlulileyo ukwakha iKhredithi yakho
Ukuphucula ikhredithi yakho ngokuhlawula kade okanye ixesha elidlulileyo kwiakhawunti kunokwenzeka. Kodwa oku kungathatha iinyanga ezimbalwa ubuncinci ukuchaphazela amanqaku akho etyala. Awunakuxhomekeka kule ndlela kuphela yokunyusa ikhredithi ngobusuku.
5. Yandisa umda wekhadi lakho letyala ukuphucula amanqaku akho ngetyala
Amanqaku aphezulu etyala ahlala ebangelwa yimida ephezulu kumakhadi etyala, ebonisa ukuba umntu unoxanduva olwaneleyo lokusingatha loo mali.
Ukuba awuqinisekanga kwisakhono sakho sokulawula iimali zakho okwangoku, thintela le ndlela. Unokuphelela kwindawo embi kakhulu, kwaye loo nto yongeza uxinzelelo ayifanele.
6. Hlawula iiAkhawunti ezintsha zeTyala kuqala ukulungisa iiMboleko ezimbi
Abanye iingcali bacebisa ukuba uhlawule iiakhawunti ezintsha okanye ezinenzala ephezulu kuqala ukulungisa ityala elibi. Oku kunokukunceda ukuba wandise ubude bekhredithi yakho, uphucule amanqaku akho ngokuhamba kwexesha.
7. Sukufaka isicelo seKhadi elitsha laMatyala
Ukufaka isicelo sekhadi elitsha letyala ukunyusa amanqaku akho ayisiyiyo eyona nto iphambili. Kubonisa ukuzilahlela kwicala lakho, okanye ubuncinci ukuba ukwingxakeko yemali. Kukho ezinye, iindlela ezakhayo zokuphucula ikhredithi yakho.
8. Hlawula ibhalansi kwixesha eliya phambili
Ukuhlawulwa kwangexesha yenye yeendlela zomlilo eziqinisekileyo zokunyusa ikhredithi. Ukuba awukwazi ukwenza oku kwenzeke, uya kufuna ukubiza iinkampani ezijongene neendlela ezithile zokuhlawula osokolayo ukuhlawula. Ngale ndlela, banokukucebisa ngeyona meko intle yokuthintela ukuphazamisa ikhredithi yakho nangakumbi.
Oku kunokubandakanya isicwangciso sokuhlawula esitsha, umzekelo.
Ukulungiswa kwetyala kwi-FAQs kunye neeNgcebiso
Ezintsha kumdlalo wokulungiswa kwetyala ziya kuba nemibuzo, kwaye apha sigubungela ezona zihloko ziqhelekileyo zokujikeleza amanyathelo abalulekileyo ekufuneka uwathabathile.
Yenza ngokwakho isiQinisekiso sokuLungisa iMboleko xa kuthelekiswa neNkampani yokuLungisa iMboleko
Ukulungisa ityala lakho ngokwakho ngokunxibelelana nenkampani okanye umcebisi kunokwenzeka nge-know-how encinci. Okukhethwa kukho kubandakanya ukwenza iintlawulo kwangexesha, ukuhlawula izavenge zakho zenzala ephezulu kuqala, kunye nokunciphisa imigca yetyala de ube kwindawo efanelekileyo.
Ezinye iindlela zokunceda ukuphucula ikhredithi yakho zibandakanya:
- Nciphisa imibuzo enzima: Izinto obolekwe ngazo, amakhadi etyala, okanye iimali mboleko zifanelekile njengemibuzo enzima okanye utsalo olunzima kwaye zibonisa ingxaki yemali. Gcina oku ubuncinci.
- Sebenzisa intlawulo ezenzekelayo: Awuyi kuba nexhala malunga nokulahleka kweentlawulo. Le nkqubo inokukunceda ukuphucula indlela ochitha ngayo imali, nayo.
- Gcina iiakhawunti ezindala zivulekile: Oku kunyusa ikhredithi yakho njengoko kubonisa imbali ende kwingxelo yakho.
- Hlala ngaphezulu kwengxelo yakho yamatyala: Uninzi lwee-bureaus zicebisa ukuba usebenze ingxelo yamatyala kanye ngonyaka. Gcina iifayile zakho kwaye uqaphele inkqubela yakho.
Fumana kuvavanyo lwasimahla lwaMatyala apha
Yintoni uMthetho woLungiso lwaMatyala?
I-CROA, okanye i-Credit Repair Organisations Act, ikukhusela kwiinkampani ezizama ukukulahlekisa kwisigqibo esibi sezemali.
Iyawavumela amashishini ukuba asebenzise izinto ezingezizo okanye ezingezizo zesivumelwano sekhredithi. Isenzo sifuna ukwaziswa okucacileyo okuvela kumashishini okulungisa amatyala, ngenxa yoko awuthathwanga apho, nokuba.
Ngaba iiarhente zokuQokelelwa kwamatyala zibandakanyeka nini?
Ngokwesiqhelo, kuthatha naphina phakathi kweenyanga ezintathu ukuya kwezintandathu zokungahlawulwa ukuze iarhente yokuqokelela ityala ibandakanyeke. Oku kuxhomekeke kwimiqathango ebekwe ngababolekisi kunye nababolekisi, kodwa iakhawunti yakho kufuneka idweliswe njengolwaphulo-mthetho okanye into efanayo kuqala.
Uhlawulela njani ukuSebenza?
Ukuhlawulela ukucima yinto esetyenziswa ziinkampani eziqokelela amatyala. Kuxa imali yakho yokuqokelela icinyiwe kwingxelo yakho yekhredithi kuba wenze intlawulo ngokupheleleyo.
Kuthatha ixesha elingakanani ukuLungisa iMboleko?
Kuthatha ixesha elingakanani ukulungisa ikhredithi kuxhomekeke kwimeko yakho yezemali nakwinto echaphazelekayo. Imiba efana neembambano neempazamo inokuthatha iinyanga ezintathu ukuya kwezintandathu ukusonjululwa.
Eminye imicimbi engekenziwa ngetyala ingathatha iminyaka ukuyicacisa. Iminyaka esixhenxe luphawu oludumileyo lweengxelo zamatyala kuba obu bubude bexesha elifunekayo lokucinywa kwengxelo yakho.
Phinda ufunde ngendlela yokuLungisa iMboleko yakho
Ukulungiswa kwamatyala kunokwenzeka. Eyona nto ibalulekileyo kukuqonda amanqaku akho kunye nokuwonyusela kwikamva elingcono lezemali. Thatha ithuba lokunika ingxelo yasimahla kwaye wenze iintlawulo zakho kwangexesha. Iintlawulo ezizenzekelayo ziyanceda, njengokuchitha kwinkcitho onayo. Inkqubo ye- Ezona nkampani zilungisa amatyala inokukunceda ukulungisa amanqaku akho etyala.
Ukulungiswa kweMboleko yeeNgcinga zokuGqibela
Kuqhelekile ukuba nexhala malunga nenqaku lakho leFico kunye neeofisi zamatyala, unikwe zonke iinkalo zobomi eli nani libonakala lincinci linokuchaphazela. Ikhadi letyala, lona ngokwalo, aliyonto imbi, kodwa iindlela zokuchitha gwenxa zingayenza irhamncwa lomthwalo.
Lungisa ikhredithi yakho ngokwakho ngokwenza zonke iintlawulo zakho ngexesha, ugcine iiakhawunti ezindala zivulekile, kwaye ujonge amanqaku akho ubuncinci kube kanye ngonyaka. Nxibelelana nengcali ukuba unawo nawaphi na amathandabuzo; Yiyo loo nto belapho.
Cofa apha ukulungisa iKhredithi yakho
Uphengululo kunye neenkcazo ezipapashwe apha zezo zomxhasi kwaye azibonisi mgaqo-nkqubo osemthethweni, isikhundla okanye izimvo zaBabukeli.
