Xa mna nomyeni wam sagqiba ekubeni sithathe umgca wolingano lwasekhaya kwikhredithi yokulungiswa, sicinge ukuba sizakufumana inzala enkulu ngokusekwe kumanqaku ethu amahle etyala. Sisoloko sihlawula amatyala ethu ngexesha kwaye asigcini naliphi na ityala lekhadi letyala. Kukho isigxina esinye kwingxelo yam; Ibhili yezonyango kwingqokelela endiyiphikisileyo ayiphumelelanga. Kodwa nokuba unale blip, inkonzo yokujonga ikhredithi endiyisebenzisayo- Ityala -Uthe amanqaku am axhonywe kwi-700s ephezulu!
Ukuba ufana nam, ugcina iliso elibambekayo kumanqaku akho etyala kwaye mhlawumbi usebenzisa inkonzo yokujonga ngetyala, nokuba kungamakhadi akho etyala, okanye iwebhusayithi okanye usetyenziso, njengeCredit Karma. Kodwa ndiye ndafumanisa indlela enzima yokuba amanqaku owafumana kwezi nkonzo ayisoloko ingamanqaku omboleki owasebenzisayo Ngama-70 amanqaku asezantsi kunento andibonise yona iCreditWise. La manqaku asezantsi asityhalela kwibrakethi eyahlukileyo kunaleyo besithembele kuyo, okuthetha ukuba asizukufumana elona nqanaba lenzala silibekeleyo.
Idibeneyo: Izinto ezi-7 endinqwenela ukuba ndizazi ngaphambi kokuthenga i-Fixer-Upper
Kucacile ukuba le nto yayixhalabisa. Iyintoni inqaku lokubhalisa kwinkonzo yokujonga ngetyala ukuba ufumana amanqaku angenakuthenjwa? Ngokuqinisekileyo, kwakumnandi ukubona loo manqaku aphezulu inyanga nenyanga, kodwa ukuba ndandazile ukuba yayisezantsi kakhulu, ngekhe ndenze uphando ngakumbi kulaa qoqo incinci ndazama ukufumana indlela yokuyisombulula. Sasikude ngokwaneleyo kwinkqubo ye-HELOC kangangokuba sagqiba kwelokuba simane siyifumana — kodwa kule minyaka ingama-30 izayo, loo manqaku angama-70 anokundibhatala amawaka enzala.
Ngaba ikhona into ebendinokuyenza ukukhusela le nto? Ndathetha no Umdlalo weShanna Compton, isiCwangciso sezeMali esiQinisekisiweyo esizinze eCalifornia, ukuqonda izinto endinokuzenza ngokwahlukileyo.
Ucacisile ukuba okwenzekileyo kum kuqhelekile: Oyena mntu unobangela yayikukuba ndijonge inqaku lamatyala elahlukileyo kunaleyo benditsalwa ngumbolekisi wam.
Phantse iipesenti ezingama-90 zababolekisi basebenzise Amanqaku eFICO -Inkampani yohlalutyo lwedatha eyasekwa emva phaya kwiminyaka yoo-1950 ukubekwa emgangathweni kokufaneleka kwamatyala abantu. Yindlela yoqobo yamanqaku okuthenga ngetyala, utshilo.
Nangona kunjalo, kukwakho neVantageScore (yeyiphi iCreditWise endandiyibonisa) -ilona linqaku labathengi elaphuma ngo-2006 kwii-bureaus ezintathu ezinkulu (iTransUnion, i-Experian, ne-Equifax).
Idibeneyo: Imibuzo engama-20 omele uyibuze umnini-mhlaba ngoku
Nganye kwezi modeli zokufumana amanqaku zinobunzima bemilinganiselo yokuthenga ngetyala ngokwahlukileyo- kwaye ke baphela benamanqaku ahlukeneyo. Ngaphezulu kwelo, ngalinye lala manqaku e-FICO kunye neVantageScores nganye inamanqaku awodwa, ngokusekwe kwi-ofisi nganye yamatyala. Ke unokuba nenqaku leTransUnion FICO kunye neTransUnion VantageScore kwaye banokwahluka ngokumasikizi, kwaye unokuba namanqaku e-Equifax FICO kunye namava e-FICO ahluka kwelinye nelinye.
Ukongeza, imodeli nganye yokufumana amanqaku ikhupha iinguqulelo ezintsha ngamaxesha athile, njengeVantageScore 4.0 kunye neFICO Score 8, ke nokuba ujonga amanani amabini e-FICO, anokuhluka ngokokujonga inqaku abalisebenzisayo.
Ukongeza, ezinye iinkonzo zokujonga ngetyala zisenokungakubonisi kwaFICO efanayo okanye iVantageScore efumanekayo kubabolekisi okanye kwi-inshurensi. Endaweni yoko, usenokuba ufumana amanqaku ajolise kubathengi, ekule nqanaba lamanqaku akho etyala, Umdlalo weCompton uthi.
Idibeneyo: Izinto ezi-7 zeeArhente zoThengiso lweeNdawo zinqwenela ukuba wazi
Uyadida? Ndicinga njalo, ngokunjalo-kwaye noorhulumente. Emuva ngo-2017, iZiko eliKhusela iMali yaBathengi (i-CFPB) iyalelwe I-TransUnion kunye ne-Equifax ukuhlawula izohlwayo kunye nokubuyiselwa kubathengi emva kokuba bakhohlise abathengi malunga nokuba luncedo kwamanqaku okuthenga ngetyala, kwaye babarhwebeshela abathengi kwiintlawulo eziphindaphindayo ezibizayo ngezithembiso ezingeyonyani.
Kodwa ngaba la manqaku ezemfundo alungele nantoni na? Ewe-ukubeka esweni utshintsho kwingxelo yakho yamatyala.
Ukuba amanqaku akho ehla kakhulu, uyazi ukuba kwenzeka ntoni. [Mhlawumbi] isazisi sakho sibiwe kwaye eso sisilumkiso sakho sokuthatha inyathelo. Uthatha amanqaku ngqolowa yetyuwa kwaye uwasebenzise ukugcina ngaphezulu kwayo nayiphi na into enokwenzeka.
Kwaye ngaphambi kokuba wenze ukuthengwa okukhulu qiniseka ukuba usebenza neenombolo zokwenyani- jonga kanye ukuba yeyiphi inqaku lekhredithi elitsalwayo kwaye ubuze umthengisi wakho wobambiso ukuba uyafana na noko bakutsalayo.
Ndixelela abantu, hamba uye kuvunywa kwangaphambili ngumrhwebi wobambiso ukuze wazi ngokuthe ngqo iinkcukacha [zamanqaku akho etyala], utsho uCompton Game. Kusenokwenzeka ukuba bayakutsala u-tri-merge (okanye i-ofisi ezintathu) ingxelo yekhredithi, esebenzisa phakathi kwamanqaku akho amathathu e-credit bureau.
