Kubekho amanqaku amabini ebudaleni bam xa ndibeke iliso kwikhredithi yam okhozi: Xa bendilungiselela ukuthenga indlu yam, naxa bendihamba nophando lwangemva lwesicelo sezokhuseleko sikarhulumente.
Ukugcina amanqaku am etyala azinzile, okanye ndide ndilibethe, yayiligama lomdlalo njengamaqondo enzala asezantsi kwaye, ngokunokwenzeka, umsebenzi wawusemngciphekweni. (Andikhuphi ziphi na iimfihlo zikarhulumente! Ngelixa ifom yophando yangasemva ayibuzi ngokuthe ngqo amanqaku akho etyala, iyabuza malunga neemeko ezichaphazela ikhredithi, kubandakanya neakhawunti kwingqokelela).
Kuyavunywa, bendinendlela egqithisileyo, ndikhangela iisayithi zokubeka iliso kwityala phantse rhoqo njengoko ndandinezaziso ze-Facebook. Kodwa, yandenza ndacinga: Ndihlala ndijonga kangaphi kumanqaku am etyala?
Impendulo emfutshane, ngokweengcali zeentengo zemboleko: Rhoqo kwiintsuku ezingama-30 okanye njalo. Kodwa, njengezona zinto zininzi, kukho izinto ezithile ekufuneka uzazi.
Nantsi indlela yokubetha ibhalansi elungileyo xa kuziwa ekugcineni iithebhu kumanqaku akho etyala (kunye neengcebiso eziluncedo zokwazisa ngcono imisebenzi yakho yokujonga amatyala):
Yeyiphi indlela elungileyo yokujonga ityala?
Ngokomthetho, unelungelo lokujonga ingxelo yakho yamatyala kanye ngonyaka kwi-reditreport.com- kwaye ngelixa uza kubona ulwazi oluvela kumaziko amathathu aphambili (i-Experian, i-Equifax kunye neTransUnion) kwingxelo, ayiqulathanga ezona ntathu zakho amanqaku -digit. Ukongeza ingxelo yakho yasimahla, yonyaka, ungakhangela amanqaku akho kunye namakhadi etyala kunye neebhanki ezinxulumene nawo kunye nokusetyenziswa kweqela lesithathu kunye neewebhusayithi. (Ezi ziindawo zasimahla, zokujonga ikhredithi kwiingcali ezithandayo).
Umgaqo olungileyo wesithupha kukujonga ityala lakho ubuncinci kube kanye ngenyanga, utshilo uKeri Danielski, ingcali yezemali yabathengi Intuit Turbo kwaye Njengoko . Ukujonga amanqaku akho etyala kubalulekile kuba kubonisa ukuba unelungelo lokuthenga ngetyala, elinokuthi lichaphazele indlela ababolekisi abakujonga ngayo xa usenza isicelo semali mboleko, kwaye ngawaphi amaxabiso kunye nemigaqo oyifaneleyo.
UDanielski uthi, omnye kwabahlanu baseMelika unempazamo kwingxelo yakhe yamatyala, ngokwe-2012 IKhomishini yoRhwebo kaRhulumente ingxelo. Ke, ngumbono olungileyo ukugcina iithebhu ukuze uqiniseke ukuba amanqaku akho akathathi nakuphi na ukubetha okungafanelekanga. Ngokukhawuleza xa uqaphela impazamo, ngokukhawuleza unokuphikisana nayo.
Ngokwesiqhelo, ababolekisi baxela kumaziko emboleko kanye ngenyanga, ngenxa yoko akukho sizathu sokujonga amanqaku akho ngaphezulu kweentsuku ezingama-30, utsho UMaggie Germano , Umqeqeshi wezemali waseWashington, DC wabafazi.
Kuya kufuneka ujonge nengxelo yakho yamatyala (enye kwi-creditreport.com) iinyanga ezimbalwa ngaphambi kokuba wenze nayiphi na into yokuthenga imali, njengokuthenga imoto okanye ikhaya, utshilo uBrithtney Mayer, umcebisi ngetyala AmaCardRates , indawo yokuthelekisa ikhadi lamatyala.
Oku kukuvumela ukuba ubone naziphi na iiflegi ezibomvu ezinokubakho ngaphambi kokuba unyamezele ukujonga ityala elinzima kumbolekisi, utshilo.
Intsingiselo ye-7/11
Ukuba uqaphela, yithi, iakhawunti yokuqokelela engahlawulwanga, uyakufuna ukuyifumana loo mali kwindawo ehlawulelweyo ngaphambi kokuthenga ngento oyibambisileyo, kwaye kuyanceda ukuba phambili kunye nombolekisi wakho malunga nesiphako kwingxelo yakho yekhredithi.
Kuya kufuneka ujonge kufutshane neengxelo zakho zetyala ukuba ub ulixhoba lobuqhetseba okanye ukubiwa kwesazisi ukuqinisekisa ukuba naziphi na iiakhawunti ekufuneka zijongiwe okanye zisuswe ziphathwe ngokufanelekileyo, uMayer uthi.
Yimalini ukutshintsha kwamatyala ngenyanga?
Kuyalingwa ukuba ujonge amanqaku akho ngalo lonke ixesha ufumana i-imeyile kwindawo yasimahla yokuthenga ngetyala kunye nomgca wesifundo esifana neNqaku eliTsha leNqaku. Siyayifumana!
Kodwa amanqaku akho emboleko yekhredithi kungenzeka ukuba atshintshe inyanga yonke, kuxhomekeke kwinxalenye yabatyalwayo bakho kwiakhawunti yamatyala.
Kuqhelekile ukuba amanqaku anyuke okanye ehle kumanqaku ayi-10 ukuya kwangama-30 kungaphelanga inyanga, utshilo uKimberly Palmer, ingcali yekhadi letyala kwi INerdWallet , indawo yezemali.
Amanqaku okuthenga ngetyala ahlala ehla enyuka ekuphenduleni kwimicimbi eyahlukeneyo umzekelo, uthi ukuba ufaka isicelo sekhadi elitsha letyala, amanqaku akho etyala angathatha ukudipha okwethutyana. Ngokufanayo, ukuba uyavala iakhawunti ende yamatyala , nayo izokwehla okwethutyana. Ukuba uhlawula isixa esikhulu setyala ngenxa yoko une umlinganiselo wokusetyenziswa kwamatyala asezantsi , ke amanqaku akho aya kunyuka.
Ukuba kukho into enkulu eyenzekayo, njengokugcwalisa ukubhengezwa njengongenamali, amanqaku akho anokutshintsha ngakumbi, utshilo uPalmer.
Kwakhona kufanelekile ukukhunjulwa kukuba i-bureau nganye yamatyala yinkampani ezimeleyo, eyenza inzuzo eneenkcukacha zayo, utshilo uJames Garvey, i-CEO ye Ukuziboleka , Ukuqala okunika abathengi iimali-mboleko zokwakha amatyala.
Uninzi lwamaziko ezezimali anika ingxelo yedatha yawo kwindawo enye okanye ezimbini zekhredithi, yiyo loo nto amanqaku e-FICO enokutshintsha ngokuxhomekeke kumthombo wembali yamatyala, utshilo.
Ngokusekwe koku kuguquka, licebo elihle ukujonga amanqaku akho ngexesha elinye inyanga nganye. Ngale ndlela ufumana ii-apile-kwi-apile ngokuthelekisa indlela amanqaku akho etyala aqhuba ngayo inyanga nenyanga. Sukuba noxinzelelo malunga nokuhla nokuhla okunokubakho kumjikelo weentsuku ezingama-30.
Inqaku lokugqibela malunga neesayithi zasimahla zokubeka iliso kwityala: Bahlala befumana imali yabo kwintengiso yamakhadi etyala, utsho uGermano.
Amakhadi etyala anokukunceda wakhe ikhredithi, kodwa zisenokuba yingozi ukuba awunakho ukuhlawula ngokupheleleyo inyanga nenyanga, utshilo.
Ingcebiso yam iya kuba kukucima naziphi na izaziso ze-imeyile ezingadibani namanqaku akho etyala, utshilo uGermano. Zama ukungalingwa ukuba uvule ikhadi lekhredithi ongalifuniyo, kuba enye yezi ndawo ikukhuthaza.
Ke, ulijonga kangaphi ityala lakho?
