Uyisusa njani intlawulo kwiNgxelo yakho yeTyala

Ukuhlawuliswa ziindaba ezimbi xa kufikwa kwiingxelo zetyala kunye namanqaku. Zithathwa njengezona zinto ziphambili ezenzakalisayo (aka ezinkulu derogs) kwaye ziphakathi kweentlobo ezibi kakhulu zamangenelo onokuba nawo kwimbali yakho yamatyala.

Kwiimeko ezininzi, ukuhlawulwa kweeakhawunti kunokuhlala kwingxelo yekhredithi ukuya kuthi ga kwiminyaka esixhenxe. Kodwa ukususa intlawulo kwangoko ngamanye amaxesha kunokwenzeka. Qhubeka ufunda ukuze ufumane iindlela ezintathu zokususa iintlawulo kwiingxelo zetyala, kunye nezinye iinkcukacha eziluncedo malunga noku kungeniswa kwetyala elibi.

Phambi kokuba siqhubeke -Ukuba ufuna ukunqanda ingxaki yokususa intlawulo ngokwakho kwaye ufuna nje ukuqesha inkampani ezokusingatha le nkqubo, ingcebiso yethu ephezulu yile Ityala elingcwele .

Iindlela ezi-3 zokususa iiNtlawulo kwiNgxelo yakho yeTyala

1. Fayina impikiswano neeZiko laMatyala

Iinkampani ozenzayo kwishishini zingabelana ngokwasemthethweni ngeenkcukacha malunga nendlela ohlawula ngayo amatyala akho kumaziko agcina ityala. Ezo ofisi zekhredithi, nazo, zinokuqokelela ulwazi malunga nawe kwimithombo emininzi kwaye luyipakishe ndawonye kwiingxelo ekulula ukuzifunda. Amaziko agcina inkcazelo ngeentengo zemboleko emva koko athengisa ezo ngxelo kwabanye abafuna ukuphonononga idatha yakho ukuqikelela umngcipheko wokushishina nawe.

Unamalungelo xa kufikwa kwinkcukacha zakho zekhredithi. Elinye lolo lungelo livela kuMthetho weNgxelo oNika iNgxelo ngetyala (iFIFA). Ngokwe-FCRA, umboleki unokuphikisana ne-arhente yokunika ingxelo yomthengi ngokuchaneka okanye ukugqibelela kwalo naluphi na ulwazi kwingxelo.

Xa uphikisana nentlawulo okanye nayiphi na enye into, iarhente yokunika ingxelo ngetyala efumana isicelo sakho ineentsuku ezingama-30 zokuphanda. Ekupheleni kwethuba lophando, iziko kufuneka lithathe elinye lala manyathelo alandelayo ngento ekuphikiswana ngayo:

Yicime
Hlaziya / lungisa
Qinisekisa ukuba ichanekile

Ukuba impikiswano yakho iphumelele, banokuyisusa intlawulo kwifayile yakho. Kodwa ukuba uphando aluhambanga, i-akhawunti iya kuhlala ihleli.

2. Hlawula u-Cima

Umrhumo wokucinywa luhlobo lwesivumelwano onokuthi ngamanye amaxesha usenze nombolekisi wokuqala. Iqala ngesithembiso sokuhlawula okanye ukubuyisa imali epheleleyo yeakhawunti ehlawulisiweyo okanye ingqokelela. Ukutshintshiselwa ukuba ityala lihlawulwe ngokupheleleyo, ucela umntu obolekayo wokuqala ukuba i-bureaus icime i-akhawunti kwifayile yakho.

Umboleki angacela i-bureau yezemali ukuba isuse iakhawunti ehlawulweyo kwingxelo yakho nangaliphi na ixesha elifunayo. Akukho nto engekho mthethweni malunga nokuziqhelanisa nokusukela ekubeni ingxelo ngetyala inokuzikhethela. I-bureaus, nangona kunjalo, iyagcuma ngenxa yokuhlawulwa kwendawo yokuhlala.

Amaziko agcina inkcazelo ngeentengo zemboleko ayalela abaqokeleli bamatyala ukuba baxele ingxelo kumaziko agcina inkcazelo ngeentengo zemboleko (ababonelela ngedatha) ukuba bangaceli ukucinywa kweeakhawunti ezichanekileyo ngenjongo yokuhlawula. Ngapha koko, ababoneleli ngedatha batyikitya izivumelwano namaziko agcina ulwazi ngetyala ethembisa ukulandela le neminye imigaqo. Ukuba umnikezeli ngeenkcukacha wophula isivumelwano somsebenzisi kwaye abanjwe, unokuphulukana namandla akhe okungenisa idatha yabathengi kwiiofisi zamatyala kwixesha elizayo.

Ukunika ingxelo ngetyala kubalulekile kumashishini amaninzi. Inceda ababolekisi ukukhuthaza abathengi ukuba bahlawule ngexesha. Ngesi sizathu, ukukholisa umntu obolekayo ukuba amkele intlawulo yokucima isithembiso kunokuba yinto ende. Ukuba uthetha-thethana ngentlawulo yokususa isivumelwano kwintlawulo, fumana isithembiso esibhaliweyo ngaphambi kokuba wenze nayiphi na intlawulo.

3. Qesha iNkampani eLungisa iTyala

I-FRCA ikunika ilungelo lokuphikisa ulwazi olungachanekanga ngokwakho. Nangona kunjalo, akukho mfuneko yokuba ulawule inkqubo ngokwakho. Abanye abantu bakhetha ukuqesha iingcali zeentengo zemboleko ukuze bancedise ekuhlawuliseni ityala.

Iinkampani zokulungisa amatyala zinokuphikisa ulwazi oluthandabuzekayo nolungachanekanga kwiingxelo zakho zetyala- zihlawulisiwe iiakhawunti ezifakiwe. Kwaye ukuba imbambano yakho yokuqala ayiphumelelanga, inkampani enamava yokulungisa ityala kufuneka ikuncede ulandele kwakhona.

Ewe kunjalo, akukho siqinisekiso sokuba iingcali zamatyala ziya kuba nakho ukususa intlawulo kwingxelo yakho yamatyala. Nayiphi na inkampani ethembekileyo iya kukhawuleza ukubonisa le nyaniso. Kodwa ukuba ukhululekile kwimirhumo kwaye awufuni ukuthumela kunye nokulandelela iingxabano zamatyala ngokwakho, usebenza ne Ezona nkampani zilungisa amatyala inokuba ilungile kuwe.

Ukuba ufuna inkampani elungileyo yokulungisa amatyala efumana iziphumo, ingcebiso yethu ephezulu yile Ityala elingcwele . Yeyona nkampani iphumelele kakhulu ekufumaneni izinto ezingathandekiyo ezisuswe kwikhredithi yakho, kubandakanya neentlawulo. Thatha ithuba lokubonisana namatyala asimahla ukuze ubone ukuba banokukunceda njani.

Xa uboleka imali kumbolekisi wokuqala, uthembisa ukulihlawula ityala, kunye nenzala kunye nemirhumo, kwisixa esithile (okanye ipesenti) ngenyanga. Ukuba uyiphose intlawulo, umniki wekhadi letyala angakuxela kade kwiziko lamatyala. Ukuphoswa ziintlawulo ngokwaneleyo kwaye umtyali ofanayo unokukhetha ukuhlawulisa iakhawunti yakho.

Ityala elihlawulwayo lichaza ityala owele ngalo kude emva kwexesha lokuba akasayikholelwa into yokuba uza kuyibuyisa. Ke umntu obolekayo ubhala iakhawunti njengelahleko ye-accounting kunye neerhafu.

Ukuhlawuliswa, nangona kuvakala njani, akufani nokuxolelwa kwetyala. Ukuba ityala lisemthethweni, usatyala imali oyibolekileyo kunye nayo nayiphi na inzala kunye nemirhumo enivumelene ukuyihlawula.

Ngaba ukuhlawulwa kwemali kuyichaphazela njani inqaku lamatyala akho?

Ulwazi oluchasayo, njengokuhlawuliswa, lunokulimaza ikhredithi yakho. Ukwenza izinto zibe mandundu, ukuhlawuliswa akunayo nje into yokonakalisa ityala lakho kube kanye. Inokubamba amanqaku akho emva kwinqanaba elithile kwiminyaka eliqela.

Ngaba ndifanele ndihlawule intlawulo yeakhawunti?

Zininzi izinto ekufuneka ziqwalaselwe njengoko usenza isigqibo sokuba uhlawule iakhawunti ehlawulweyo.

Ngaba ulindele ukwanda kwamanqaku etyala? Ukuhlawula ngokukhawuleza akusayi kwandisa amanqaku akho. Ukuba injongo yakho kukwandisa amanqaku akho, kungangcono ukuba ugxile ekuziseni iakhawunti ezidlulileyo, okanye ukuhlawula ibhalansi yamatyala ngaphambi kokuba uphendule.
Ngaba uceba ukwenza isicelo sekhredithi entsha kwixa elizayo? Abanye ababolekisi banokungavumi ukusebenza nawe ukuba unamatyala angekahlawulwa. Umbolekisi obolekisayo, umzekelo, unokufuna nayiphi na iakhawunti ehlawulweyo kwingxelo yakho yetyala ukubonisa i-0 yeebhalansi ngaphambi kokuvuma isicelo sakho.

Ukuba uthatha isigqibo sokuhlawula okanye sokuhlawula ityala ngokupheleleyo, kubalulekile ukugcina iirekhodi ezifanelekileyo. Fumana ikopi yemali eseleyo oyityalayo (okanye isithembiso sokuhlawula ityala lakho) kumbolekisi ngaphambi kokuba uhlawule. Emva koko landela ukufumana irisithi kunye nengxelo yebhalansi emva kwayo.

Ngaba uhlawula ixesha elingakanani kwiNgxelo yakho yeTyala?

Ukunika ingxelo ngetyala akufuneki. Akukho mthetho unyanzela inkampani ukuba inike ingxelo malunga nawe kwiiarhente zokunika ingxelo ngetyala. Nangona kunjalo, abaninzi ababolekisi bakhetha ukuba babelane ngedatha yabathengi kunye ne-Experian, TransUnion, kunye ne-Equifax.

Xa umqokeleli wamatyala esabelana ngolwazi lwakho okanye eyifaka kwingxelo yetyala, kukho imigaqo ekufuneka bayilandele. I-FCRA ithintela umda wokuba ulwazi olubi kangakanani, njengokuhlawuliswa kweeakhawunti, unokuhlala kwingxelo yakho yamatyala. Ukuhlawulwa ngokukodwa kunokuhlala kuphela kwingxelo yekhredithi yomthengi iminyaka esixhenxe.

Ngaba ukuhlawulwa kwemali kubi ngaphezu kwengqokelela?

Ukuhlawuliswa kunye nokuqokelelwa kubonisa iintlobo ezimbini zeeakhawunti ezinyelisayo ezinokubonakala kwingxelo yetyala. Ngokuka-FICO, zombini iintlawulo kunye nokuqokelelwa kunokuba nefuthe elibi kakhulu kumanqaku akho e-fico.

Kodwa ngaba ityala lihlawulelwe kakubi kunokubhekiswa kwiarhente yokuqokelela ukusuka kwindawo yokufumana amanqaku ngetyala, okanye ngokuchaseneyo? Impendulo ixhomekeke kwizinto ezininzi.

1. Ubudala be-Akhawunti

Iimodeli zokufumana amanqaku ngetyala, njengeFICO kunye neVantageScore, jonga iinkcukacha ezininzi xa kuvavanywa imbali yakho. Ubudala, okanye mandithi ukungabikho kolwazi oluthobayo kwingxelo yakho yenye yezo nkcukacha. Ulwazi olubi kwi-akhawunti yakho yekhredithi eyenzeka kudala ayizukuchaphazela amanqaku akho e-FICO njengakwizinto ezimbi zakutshanje ngokusilela ukuhlawula ityala.

Ke, ukuba uneakhawunti yokuqokelela ityala kwingxelo yakho yetyala enenyanga enye ubudala kunye nentlawulo eyenzekileyo kwiminyaka emithathu edlulileyo, iakhawunti yokuqokelelwa kwetyala inokulonakalisa ngakumbi amanqaku akho etyala. Ukuba ukuhlawuliswa kwengxelo yakho yamatyala kutsha nje kuneakhawunti yokuqokelelwa kwetyala, intlawulo leyo iya kuba nefuthe elikhulu.

2. Ibhalansi ye-Akhawunti

Ulwazi olukwingxelo yetyala lwahlulwe lwangamacandelo ahlukeneyo. Xa ujonga ingxelo yakho yekhredithi, uhlala ufumana iiakhawunti ezihlawulisiweyo (ukuba unayo) kwicandelo leakhawunti yekhredithi. Eli candelo linokuhamba ngegama elahlukileyo, kodwa liya kuba neenkcukacha malunga neeakhawunti zakho zangoku nezivalwayo.

Ngenxa yendlela iakhawunti ehlawulweyo ebonakala ngayo kwimbali yekhredithi, inokubonisa ukuba unetyala lokulingana kwemali yexesha elidlulileyo kwinkampani yekhadi letyala. Iibhalansi zexesha elidlulileyo zizinto ezimbi ngokubhekisele kumanqaku ekhredithi.

Iarhente yokuqokelela ityala, ngokuthelekisa, ayidwelisi ibhalansi yexesha elidlulileyo. Kwaye intsalela yeakhawunti yokuqokelela ngokwayo ayiqwalaselwa ziimodeli ezininzi zokufumana amanqaku. Inyani yokuba iakhawunti yakho yajikelwa kumqokeleli wamatyala yeyona nto ibuhlungu kumanqaku akho.

Ibhalansi ekuqokeleleni ihlala ingabalulekanga. Ke, ukuba uhlawulisiwe nge-balance-due balance kwi-akhawunti yakho yekhredithi, kunokuba kubi ngakumbi kumanqaku akho kunengqokelela (ucinga ukuba zombini ii-akhawunti zikwiminyaka efanayo).

Mangaphi amanqaku ahlawulwayo ukuhlawula amanqaku akho etyala?

Kunzima ukuqikelela ukuba kungakanani na isenzo esithile esiya kuchaphazela ifayile yakho yekhredithi. Iimodeli zokufumana amanqaku ngetyala aziqwalaseli into enye ngexesha xa ubala amanqaku akho. Endaweni yoko, amanqaku emodeli ajonga lonke ulwazi kwingxelo yakho yetyala kunye kunye nokuqikelela inqanaba lomngcipheko ngokusekwe kumfanekiso uphela.

Intlawulo entsha emva kwexesha kumqokeleli wamatyala, umzekelo, ayizukuwisa amanqaku akho ngamanqaku angama-20. Kwangokunjalo, ukubonakala kwentlawulo entsha ekuxeliseni ingxelo yakho ayikufanelanga inani elithile lamanqaku nokuba.

Impembelelo yokuhlawuliswa kwimbali yakho yamatyala ichukunyiswa zizinto ezinje ngokuhla komsitho nokuba iakhawunti yekhadi letyala inemali eseleyo. Ezinye izinto kwingxelo yakho yamatyala zikwanomdla. Kwaye, ewe, uhlobo lwemodeli yokufumana amanqaku esetyenziselwa ukubala amanqaku akho e-FICO yenza umahluko omkhulu kwisiphumo ngokunjalo.

Ngaba ukuhlawula kuya kuchaphazela ukuthenga indlu?

Ababolekisi babambiso bajonga iingxelo zakho zamatyala kuzo zontathu iiarhente zokunika ingxelo ngetyala xa usenza isicelo semali mboleko yekhaya. Ukuba naziphi na iingxelo zakho zinolwazi olubi, njengeakhawunti ehlawulweyo, kunokubangela iingxaki. Ngesi sizathu, kunokuba sengqiqweni ukunxibelelana ne- inkampani yokulungisa ityala ukubona ukuba banganceda na.

Ukuhlawuliswa kunokuchaphazela amanqaku akho etyala. Uninzi lwababolekisi babambiso banesilinganiselo esincinci samanqaku okuthenga ngetyala ekufuneka uwanelisile ngaphambi kokuba basivume isicelo sakho semali mboleko Ukuhlawuliswa akulunganga. Ke, banokubangela ukuba amanqaku akho etyala ehle aye kwindawo apho ungazukufanelekela kuthengiso lobambiso.
Intsalela eseleyo inokukukhathaza. Abanye ababolekisi banokukucela ukuba uhlawule imali eseleyo kuyo nayiphi na iakhawunti ehlawulisiweyo (okanye ubuncinci uyihlawule ngokupheleleyo) ngaphambi kokuba bakuvume ngokubambisa.

Kuthatha ixesha elingakanani ukuba ihlawulwe ukuze isuswe?

Iiarhente zokunika ingxelo ngetyala kufuneka zisuse intlawulo kwingxelo yakho yamatyala emva kweminyaka esixhenxe ukusuka kumhla. Kungenzeka, usebenzisa enye yeendlela ezingentla, ukususa intlawulo kwangoko. Kodwa akukho siqinisekiso xa kufikwa ekufumaneni izinto zisuswe kwifayile yakho yekhredithi.

Ukuzama ukususa intlawulo kwingxelo yakho yamatyala kunokuba yinkqubo edinisayo, ngakumbi ukuba awuqhelananga neFCRA kunye neminye imithetho yokukhusela abathengi. Kodwa awunyanzelekanga ukuba uphikise ukuhlawuliswa kweeakhawunti zodwa. Ityala elingcwele Igxile ekuphikiseni iimpazamo ezinokuthi zonakalise amanqaku akho etyala kwaye ikubonise indlela yokongeza ulwazi oluqinisekileyo kwiingxelo zakho zetyala.