1. Haufaniri kutarisa mharidzo yako yekwereti kunze kwekunge urikumbira chikwereti.
Kuongorora chikoro chako chekwereti usati waita chikwereti chikuru kunogona kuvandudza mikana yako yekugashira.
Kudzokorora mushumo wenyu wechikwereti musati maita chikumbiro ichikupa mukana wekunatsa zvikanganiso uye mamwe mazano asina kunaka angakwanisa kukuramba iwe.
Iwe haufaniri kumirira kusvikira uri kugadzirira chikumbiro chikuru chekutarira chikwereti chako chekwereti. Zvakakoshawo kuti uongorore mutero wako wechikwereti kamwechete pagore kutsvaga zviratidzo zvekudzivirira kwekuzivikanwa kana utsotsi . Kunyatsoongorora nezvehupoti yako yemarikiti kuchakubvumira kubata nekubata nekuvharwa kwekuzivikanwa isati yawedzera.
Kana uri kutsvaga basa kana kana uri kukwidziridzwa unofanira kutarisa chikwereti chekwereti. Vashandi vakawanda vanoona mitsara yechikwereti (kwete chikwereti scores) uye iwe unoda kugadzirira zvavanowana. Izvi zvinonyanya kukosha kana urikukumbira nzvimbo yezvemari kana nzvimbo yakakwirira yepamusoro. Iwe une kodzero yekupa ruzivo rusununguko rwekwereti kana iwe hausina basa uye uronga kutarisa basa mumazuva 60 anotevera.
Uye, chero nguva iyo iwe wakarambwa nokuda kwekadhi rechikwereti, chikwereti, kana chimwe chibvumirano nekuda kwemashoko mubhuku rako rekwereti, unofanirwa kuongorora kopi yemutero wako wekwereti inoshandiswa musarudzo iyoyo kusimbisa iyo yakarurama. Iwe uchava nekodzero yekupa mushumo wechikwereti chepachena muchiitiko ichi. Kana zvikanganiso zvekwerekiti zvikwereta zvakakonzera kuti iwe urege, iwe unogona kukakavadza zvikanganiso izvi nekwerekiti chekwereti uye kumbira mukwereti kuti afunge zvakare nezvekushanda kwako.
2. Kuongorora chikamu chako chekwereti kuchakuvadza chikwereti chako.
Iwe wakangodaro wakanzwa kuti mibvunzo muhupoti yako yekwereti inogona kukuvadza zvakanyanya chikwereti chako, asi izvozvo hazvirevi mibvunzo yako pachako mune chikwereti chako. Kune mhando mbiri dzemibvunzo yechikwereti. Mibvunzo yakaoma inogadzirwa apo iwe unogadzira chikwereti chekwereti kana chikwereti chekwereti kana basa. Iyi mibvunzo inokuvadza chikwereti chako. Mibvunzo yakadzika inoitwa kana iwe uchitarisa chikwereti chako kana chekuongorora bhizinesi, chikwereti chako kune chekudzivirira iwe kwezvikwereti zvemitengo kana mabasa. Iyi mibvunzo inonyorera haina kukuvadza chikwereti chako.
Kuenda kune chikwereti kuitira kuti chikwereti chako chekuongorora chichikuvadza chikwereti chako. Kuti urege kuva nechikwereti chako chakakanganiswa, iwe unofanira kutarisa chikwereti chako chekwereti iwe pachako nokuenda kune imwe yezvikamu zvitatu zvinokwereta chikwereti. Panogona kuva nemari apo iwe unorayira chikwereti chako chekwereti kubva kumabhadharo emakwereti kunze kwekuti iwe unokodzera kubhadhara mari yechikwereti pasina chikwereti pasi pe Fair Fair Reporting Act . Iwe unogona kuraira rimwe rega rekwereti rechikwereti risina mari gore rega rega kuburikidza neChishanuCreditReport.com, nzvimbo yekuraira mushumo wekusununguka wekwereti wakapiwa nemutemo wehurumende.
Ndiyo mashoko akanaka kuti iwe pachako cheko chekuongorora haugoni kukuvadza chikwereti chako. Izvi zvinoreva kuti iwe unogona kutarisa chikwereti chako nguva dzose sezvaunoda kunze kwekutya kuti zvichakukuvadza.
3. Kubhadhara chikamu chekare chakakosha kuchachibvisa kubva kumushumo wekwereti.
Kubhadhara chikwereti chinoshandiswa pakunaka kunobatsira mari yako munguva yakareba. Zvinosuruvarisa, mutero uyu hausi kuzobvisa kambani kana nhoroondo yepabhadharo kubva kumukwereti wako wekwereti. Zvose zvakasara zvinotora mari zvicharamba zviri pamushumo wako wechikwereti kwenguva yekwereti yenguva yekupa chikwereti, asi account yako ichagadziriswa kuratidzira kuti wakabata zvakasara chikwereti chakafanira. Kana iyo nhoroondo yako ichiri kuzaruka uye yakashanda, mari yako yeramangwana panguva yakakodzera ichataurirwa sekuti hongu.
Zvakanyatsorondedzerwa ruzivo rwakashata ruchiri kungarambira pamushumo wako wechikwereti kusvika kumakore manomwe. Mushure menguva iyo nguva, nhoroondo dzisina kunaka dzinofanira kubviswa kubva kumugumo wako wekwereti zviri nyore.
4. Kubhadhara chikwereti kunowedzera chikwereti chekuzivisa chikamu nguva.
Vamwe vanhu vanozeza kubhadhara kero yakare nokuti vanotenda kuti kubhadhara kunotangazve kubhadhara chikwereti nguva yekuvhara, kuchengetedza kambani pamushumo wavo wechikwereti kune mamwe makore manomwe.
Nenzira yakanaka, izvi hazvisizvo.
Chikwereti chekupa chikwereti nguva yakatarwa chinoenderana nenguva iyo yakapfuura kubva pane zvakaipa. Kuita zvikwereti pane imwe nhoroondo hakuzotangizve nguva iyoyo. Somuenzaniso, dai maive nemazuva makumi matatu ekupedzisira pane kadhi rechikwereti munaDecember 2010, takabatwazve munaJanuary 2011 uye takabhadhara panguva yakadaro kubva, kubhadharwa kwekupedzisira kuchatsika mushumo wako wekubhadhara muna December 2017. Zvose zvezvenhoroondo kubva ipapo kusvika mberi zvicharamba zviri pamushumo wekwereti yako.
5. Kuvhara kambani kuchaibvisa kubva kumushumo wekwereti yako.
Imwe nzira yakajairika yakajairika ndeyekuti kungovhara kese kambani kuchaibvisa kubva muhupoti yako yechikwereti. Zvisinei, handizvo. Paunopfigira kambani, chinhu chimwe chete chinoitika sezvinopindirana nekwereti yako chikwereti ndechokuti nhoroondo yebhuku inonzi yakavharwa. Nhoroondo yacho icharamba iri pamushumo wako wechikwereti kune imwe yakasara yenguva yekupa chikwereti chekwereti kana yakavharwa mukumira kwakashata, somuenzaniso, kana kambani yacho yakabhadharwa. Kana, kana iyo nhoroondo yakanga yakamira zvakanaka kana yavharwa, icharamba iri pamushumo wekwereti yako kubva pamitemo yemabhadharo yekwereti yekupa mazano akanaka, akavharwa.
6. Kuwana muchato kuchabatanidza mushumo wekwereti nemumwe wako.
Apo iwe unoroora, iwe ucharamba uchichengetedza mharidzo yakasiyana yemari kubva kune wako wako, kunyange iwe ukashandura zita rako rekupedzisira. Dzimwe nhoroondo dzekubatana, mabhidhiyo emagetsi evashandisi, uye ma-akhawunti akanyorwa zvakabatana angangowanikwa kune vose vakaroorana zvikwereti zvekwereti, asi nhoroondo dzevanhu pachavo dzicharamba dzichinyorwa pamushumo wekodzero yemunhu wese.
7. Makadhi emakwereti chete uye zvikwereti zvinoratidzirwa pamushumo wekwereti yako.
Paunoverenga kuburikidza nehupoti yako yekwereti, unogona kushamiswa pamhando dzose dzekodha dzinoratidza. Zvikwereti zvezvechiremba, chikwereti chikoro, uye zvinyorwa zvevanhu zvakadai se bankruptcy kana kuti mitero yemitero zvakanyorwa pamushumo wekwereti yako pane kuwedzera kumakadhi emakwereti uye zvikwereti.
Nemhaka yokuti havasi chikwereti zvikwereti, zvikwereti zvakadai sefoni kana kubhadharwa zvinoshandiswa hazviwanzi kuendeswa kune zvikwereti zvekwereti. Kana nhoroondo idzi dzichikuvadza zvakanyanya, dzinogona kuwedzerwa kune repoti rekwereti sekodha rekuunganidza.
8. Basa rehupenyu nemari inowanikwa inowanikwa muhupoti yako yechikwereti.
Muna 2015 TransUnion yekudzidza, 55 kubva muzana yevanhu avo vachangobva kuongorora mvumo yavo yechikwereti vakatenda kuti basa rose rezvemabasa rakaonekwa pamishumo yavo. Uye 41 muzana vaifunga kuti mari inowanikwa pane zvikwereti zvemari. Mushandi wako wenguva ino angave akanyorwa pane yako repoti rekwereti, asi ndizvo zvazviri. Mharidzo yako yechikwereti haizochengetedze rwandu rwevashandi vako vekare uye haritauri zvaunowana. Zvikwereti uye zvikwereti zvikwereti, zvisinei, zvichakumbira basa uye ruzivo rwekuwana mari kuti ubvumire chikumbiro chako.
9. Nhoroondo yekuvakirwa yakanyorwa pane yako chikwereti chinyorwa.
MuTransUnion study, 49 muzana yevanhu vane chikwereti chakanaka vaitenda kuti mari yekubhadhara inowanikwa mumitambo yemarikiti. Nhoroondo dzekukwereti kazhinji hazvioneki pamushumo wekwereti yako, asi pangave pane zvimwe zvisiri izvo. Mari yekubhadhara yakaitwa kumakamuri ayo anonyorera kuna Experian RentBureau ichabatanidzwa mune Experian credit report yako. Zvikwereti zvekwereti hazviwanzogoverana mashoko, saka iyo mari yekubhadhara haizoonekwi pane imwe mitsara yemarikiti.
10. Nhaurirano iwe wakangotarisana chete haisi kuonekwa pamushumo wekwereti.
Paunopa kadhi rechikwereti kana chikwereti, inowanikwa pamushumo wekwereti yako semamwe ruzivo semamwe ose eakaunti yako. Nhoroondo yekushandiswa nekubhadhara basa ichaonekwa pamushumo wekwereti yako uye ichakanganisa chikwereti chako, kunyange kana iwe usisiri iwe unoshandisa kana unobatsirika kubva paakaunti. Kunze kwekuti zita rako risina kubvumirwa pasina chibvumirano chako, haugoni kubvisa kero yakabatanidzwa kubva kumushumo wekwereti.