Amanqaku akho etyala adlala indima enkulu kwimali-mboleko ofaneleka ngayo, indlu onokuyifumana, kwaye ngamanye amaxesha nemisebenzi onokuyifumana. Ngaphandle koku, zininzi iintsomi eziqhelekileyo malunga namanqaku amatyala abangela ukuba abantu benze izigqibo ezimbi. Ukuba uzama ukuphucula amanqaku akho okuthenga ngetyala okanye ugcine nje elikhoyo, ungavumeli iintsomi malunga namanqaku ekhredithi zikukhokelela ezantsi kwindlela engalunganga.
Ukujonga iNqaku lakho leTyala liyenza lihle
Le yenye yezona ntsomi zixhaphakileyo malunga namanqaku ekhredithi, kodwa kukho inyani encinci kuyo. Kukho iindlela ezimbini zokujonga amanqaku ekhredithi -- imibuzo enzima kunye nemibuzo ethambileyo. Imibuzo enzima yile iqhutywa ngababolekisi ngaphambi kokuba batyikitye kwimvume yokugqibela yemali mboleko okanye umgca wetyala, kwaye uninzi lwayo lungathoba amanqaku akho. Imibuzo ethambileyo, kwelinye icala, yinkangeleko nje esisiseko kwiinjongo zemfundo. Unokwenza iitshekhi ezininzi ezithambileyo njengoko ufuna ngaphandle kokulimaza amanqaku akho ekhredithi.
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Ukuvala iKhadi leKhredithi Liphucula iNqaku lakho
Ngelixa ukuhlawula amatyala kwaye ungagcini ibhalansi kumakhadi akho okuthenga ngetyala anceda ngokubanzi amanqaku akho, ukuba nenzondelelo engaphaya kokuvala zonke iiakhawunti zakho kunokulimaza. Abatyalwayo bathanda ukubona ukuba ungasebenzisa ikhredithi ngokuthembekileyo, ngoko luluvo oluhle ukugcina ubuncinci imigca embalwa yekhredithi ivuliwe. Khetha amakhadi angahlawulisi kwaye uhlawule ibhalansi yakho nyanga zonke ukuphepha ukuhlawula inzala. Ukuba ufuna ukuvala ezinye iiakhawunti, zama ukuvala ezintsha. Iiakhawunti ezindala ziluncedo ngakumbi kumanqaku akho etyala.
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Umvuzo kunye nee-Asethi zichaphazela iNqaku lakho leTyala
Emva kokuzabalaza iminyaka emininzi yokuphila umvuzo wokuhlawula, ekugqibeleni ufumana umsebenzi omkhulu kunye nomvuzo ophezulu. Amanqaku akho ekhredithi kufuneka anyuke ngokufanelekileyo, akunjalo? Ayilunganga. Amaziko okuthenga ngetyala awabandakanyi kwii-asethi okanye umvuzo xa emisela amanqaku akho amatyala. Ababolekisi ngabanye ngokuqhelekileyo bayakwenza, ukuqinisekisa ukuba unako ukuhlawula ityala lakho, ngoko usenokufumanisa ukuba unako ukufumana imigca yekhredithi engaphezulu kunangaphambili, kodwa oku akubangelwa ukulinganisa okuphezulu.
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Ukuba uyazi ukuba unetyala elibi, akufuneki ulijonge
Mhlawumbi uvile ukuba kufuneka uhlolisise ingxelo yakho yekhredithi ubuncinane kanye ngonyaka, kodwa abaninzi abantu abanengxaki ngetyala elibi badla ngokulitsiba elo nyathelo. Nangona kunjalo, nokuba uyazi ukuba amanqaku akho mabi, kusengumbono olungileyo ukujonga iingxelo zakho. Amaziko okuthenga ngetyala enza iimpazamo ngamanye amaxesha, ngoko unokufumanisa ukuba wohlwaywa ngeengxaki zomnye umntu ukuba ityala labo liye laphelela phantsi kwegama lakho. Ungaxela naziphi na iimpazamo okanye ulwazi olungachanekanga kwiziko lamatyala kwaye uzisuse.
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Ukuhlawula iTyala kuyenza iNyameke kwiNgxelo yakho
Iingxelo zetyala luphononongo lwexesha elide lokukwazi kwakho ukuhlawula amatyala akho, ngoko ke izinto zihlala kuzo iminyaka esixhenxe ukuya kwelishumi. Oku kuquka amatyala othe wawahlawula, ukuze ababolekisi baseza kukwazi ukubona nabuphi na ubugwenxa okanye ezinye iingxaki. Nangona kunjalo, okukhona ixesha lihamba, kunye nezinto ezintle ezibonakala kwingxelo yakho ngenxa yokusetyenziswa kwetyala ngobulumko, kokukhona zisibaluleka kancinci ezo mpazamo. Kwaye emva kwelo xesha lesixhenxe ukuya kwiminyaka elishumi, baya kuwa kwingxelo yakho yetyala ngokupheleleyo.
isiqhamo sedragoni
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Ukujonga iNgxelo yakho yeTyala kuxabisa imali
Nangona kukho iinkampani ezininzi zokwenza inzuzo ezinikezela ukukubonisa ingxelo yakho yekhredithi ngentlawulo encinci, umthetho ufuna ukuba i-credit bureaus nganye kwezi zintathu zinikeze ikopi yasimahla yengxelo yakho kuwe ngaphandle kweendleko. Oku kulinganiselwe kwikopi enye kwi-credit bureau ngonyaka, nangona kunjalo, ngoko ke, yisebenzise ngobulumko. Iingcali ezininzi zicebisa ukuba ucele ingxelo nganye ngexesha elahlukileyo lonyaka ukuze ukwazi ukugcina iliso eliqhubekayo kumanqaku akho etyala.
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Zontathu ii-Credit Bureau ziSebenzisa ulwazi olufanayo
Kubonakala ngathi amanqaku akho ekhredithi kunye nolwazi kufuneka lufane kungakhathaliseki ukuba yiyiphi ingxelo oyijongayo, kodwa ngelishwa, inzima kakhulu kunoko. I-Experian, TransUnion, kunye ne-Equifax zonke zixhomekeke kubabolekisi ukuba banike ingxelo malunga nawe, kwaye ayingabo bonke abatyalwayo abaxelayo kuwo omathathu amaziko. Ukongeza, ngamanye amaxesha omnye okanye ababini baya kuba befumene ulwazi olungachanekanga. Kubalulekile ukujonga ingxelo yakho kumbutho ngamnye kule mithathu ukuze ufumane umbono ochanekileyo wamanqaku akho etyala kwaye ubambe naziphi na iimpazamo.
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Ityala loMlingane wakho aliyi kuchaphazela elakho
Kukho inyaniso kule nto, kodwa inika umfanekiso ongachanekanga. Ukuba unekhredithi elungileyo kwaye utshate nomntu onekhredithi embi, amanqaku akho awayi kuhla. Nangona kunjalo, iimpazamo ezininzi zetyala ezenzeka ngexesha lomtshato zinamandla okuchaphazela amanqaku omabini amaqabane. Ukongeza, unokukufumanisa kunzima ukufumana imali-mboleko okanye imigca yetyala nokuba amanqaku akho ahlala ephezulu kuba uninzi lwababolekisi bafuna ulwazi malunga namaqabane omabini kwaye bayithathe njengemali mboleko edibeneyo.
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izitayela zeenwele ezingwevu ezineentsimbi
Kuphela ziintlobo ezithile zeTyala ezichaphazela amanqaku eTyala
Kuya kuba kuhle ukuba ityala lekhadi letyala kunye neemali mboleko zinokuchaphazela amanqaku akho etyala, kodwa inyaniso inzima kakhulu. Phantse naluphi na uhlobo lwetyala lunokuxelwa kwii-credit bureaus, kwaye emva kokuba lixeliwe, liya kuba nefuthe kumanqaku akho. Oku kunokususela kumatikiti okupaka angahlawulwanga kunye nezohlwayo zethala leencwadi ukuya kumatyala ezonyango. Nokuba uhlawula irenti yakho okanye amatyala okusebenza emva kwexesha kunokubangela ukuba amanqaku akho ehle ukuba inkampani iyayixela.
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Ityala elibi likulandela ngonaphakade
Ukuba wenze ukhetho olubi lwezemali okanye uzifumane ukwindawo enzima ngenxa yeemeko ebezingalindelekanga, unokuziva uphelelwe lithemba malunga nelo nqaku liphantsi letyala. Nangona kunjalo, unganikezeli. Amanqaku akho etyala yireferensi ekhawulezayo yokunceda ababolekisi babone ukufaneleka kwakho. Yicinge njengomfanekiso okhawulezayo wokuthembeka kwakho ngoku. Amanqaku angatshintsha kwaye aphucuke ngexesha elincinci kunokuba unokucinga, ukuba nje ulumkile malunga nendlela oyisebenzisa ngayo ikhredithi yakho.
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