Amanqaku okuthenga ngetyala Ukhohlisiwe xa kufuneka uzimisele ngokuthenga ikhaya

Fumana Inombolo Yakho Yengelosi

Uninzi lweengcebiso ezonyusa ikhredithi esiziva ukuba, ngokuphandle, zilungile darn zicacile. Sukugqitha kumda wakho wekhredithi, musa ukuhlawula amatyala kade, jonga amanqaku akho etyala- ewe, ewe sele siyifumene !



Ke, iindlebe zam zaxokozela xa uBrentnie Daggett, ingcali yokuqasha Rentec ngqo , iwebhusayithi yecandelo lolawulo lwepropathi, ichithe incam yokunyusa ikhredithi ewela kwi-Oooh! Udidi olunomdla. Ngokomxholo, oku kwakuxa uDaggett waye iingcebiso zokwabelana kwinqaku lam malunga namanyathelo onokuwathatha xa ulungiselela ukuthenga indlu-nokuba ikwiminyaka eyi-10 kude okanye iinyanga ezimbalwa ezantsi kwendlela.



lithetha ntoni i-777 eluthandweni

Ingcebiso yakhe enomdla? Tsalela umnxeba iinkampani zakho zekhadi letyala kwaye ufumanise ukuba zeziphi iintsuku abazichazayo kwii-credit bureaus xa uzimisele ngokuthenga indlu. Le yingqondi kuba A.) Siyazi ukuba ukusetyenziswa kwamatyala kudlala into ebalulekileyo ekumiseleni amanqaku ethu etyala, B.) ukuba no amanqaku etyala angama-760 okanye ngaphezulu kuya kukunceda ufumane elona nqanaba lilungileyo lenzala kwi-mortgage, kunye no-C.) awufuni ukuba amanqaku akho etyala akhangele xa ukhusela imali mboleko yekhaya.



Oku kuncede kakhulu kuba ndiye ndakwazi ukuhlawula intlawulo kunye nokusetyenziswa kwekhadi ukuqinisekisa ukuba akuzange kuxelwe ukuba ndinemali ephezulu kwikhadi letyala, utshilo uDaggett, osandula ukuvala ikhaya kumazantsi eOregon.

Izixa-mali ezityalwayo kwiiakhawunti zakho zekhredithi zenza Iipesenti ezingama-30 yamanqaku akho ngeFICO, inkqubo esetyenziswayo yokufumana amanqaku. Xa uphethe ibhalansi ephezulu yamatyala, inokubonisa abo ubatyalayo ukuba uxakeke kakhulu ngokwezezimali kwaye kunokwenzeka ukuba baphoswe ziintlawulo. Iingcali ngetyala zithi akufuneki uthwale ibhalansi engaphezulu kweepesenti ezingama-30 zomda wakho wekhredithi kulo naliphi na ikhadi olinikiweyo.



Ngokwesiqhelo, inkampani yakho yamakhadi etyala inika ingxelo kanye ngenyanga kwiziko lamatyala.

Inombolo yeengelosi ezingama-333 ezinentsingiselo

Oku kunokuba yingxaki ukuba umboneleli wakho unika ingxelo kwiintsuku nje ezimbalwa phambi kokuphela komjikelo wakho wokuhlawula kuba ungakhangeleka ngathi uphethe ibhalansi ephezulu, nokuba ihlawulwe ngomhla olandelayo, ucacisa uDustyn Ferguson, oqhuba ezemali indawo I-Dime iya kuxela . Oku kunokupeyinta umfanekiso ongachanekanga wendlela osebenzisa ngayo ityala. Ayilunganga, akunjalo?

Ungacinga ukuba imihla yokunika ingxelo iinkampani zamakhadi etyala zinika ulwazi lwakho lokusebenzisa ngetyala kumaziko agcina ikhredithi aya kulungelelana kakuhle nemihla yakho efanelekileyo. Kodwa, ayisiyiyo indlela esebenza ngayo.



Iinkampani zamakhadi etyala zinemihla eyahlukeneyo yokuxela ibhalansi, utsho uNancy E. Bistritz-Balkan, usekela-mongameli wezonxibelelwano kunye nemfundo yabathengi I-Equifax , iarhente yokunika ingxelo ngetyala. Kwaye, ewe, umhla wengxelo unokwahluka kunentlawulo yomhla obekiweyo, utshilo.

Uninzi lweenkampani zamakhadi etyala zibika ulwazi lokuhlawula kumaziko agcina ityala ngeenyanga kanye ngenyanga, uyaqinisekisa. Kodwa ayingomthetho onzima kwaye okhawulezayo lo njengoko abanye benokunika ingxelo rhoqo kwaye abanye banokungaxeli kwaphela.

9/11 ingelosi

I-Bistritz-Balkan iyavuma ukuba ukubheja okungcono kubathengi ukuba babuze umbolekisi wabo okanye inkampani yekhadi letyala xa benika ingxelo kwii-bureaus kuba imihla iyahluka. Kwimeko kaDaggett, yena kunye nomyeni wakhe amakhadi etyala ayeneentsuku ezahlukeneyo zokunika ingxelo kwiiveki ezimbalwa zomnye nomnye.

Hayi, ikhredithi inokuba yinto engenakuphikiswa, ke kulungile ukuba wazi zonke iingcebiso zokunyusa amanqaku akho-okanye ubuncinci ukuwugcina uzinzile xa sele uza kwenza imali mboleko.

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