Chikwereti chakashata chinogona kuva zvose chinonetsa uye chinodhura, asi hachisi mugumo. Sezvo pasina tariro kana mamiriro ezvinhu angaita sekuti, chikwereti chakaipa hachizogara nokusingaperi, uye pane zvimwe zvaunogona kuita iye zvino kuti utange kuvandudza chikwereti chako.
01 Tora kopi yemari yako yemari
Kutanga kushanda pane chikwereti chako, iwe unofanira kuziva chaizvo zvaunoda kushanda. Sezvo chikwereti chako chikoro chakakonzerwa nemashoko ari muhupoti yako yechikwereti, nzvimbo yekutanga yaunofanirwa kuenda kunatsiridza chikwereti chako chikwereti ishumo rekwereti yako.
Raira makopi emakero enyu emari kubva kune imwe neimwe yezvikwereti zvitatu zvinokwereta chikwereti kuti muone maakaiti anoda kushanda. Iwe unogona kuwana makopi akasununguka emitemo yako yechikwereti kubva kune imwe huru yemabhadharo kubva kune AnnualCreditReport.com.
02 Kurwisana chero zvikanganiso zvekwerekiti yekwereti
Iwe une kodzero yekureva yakarurama chikwereti. Iko kodzero inokubvumira kupikisa zvikanganiso zvekweretheni zvekweretesi nekunyora kune credit bureau kana mukwereti uyo akanyora iyo nhoroondo pachirongwa chekwereti yako.
Zvikanganiso zvinogona kukuvadza chikwereti chako chikwereti kupfuura iwe unogona kufunga. Semuenzaniso, kubhadharwa kwekubhadhara kusinganzwisisiki kunogona kuunza chikwereti chenhamba yako kubva pasi makumi matanhatu kusvika ku101 maonero zvichienderana nedzimwe ruzivo mubhuku rako rekwereti.
03 Dzivisa kutenga kadhi rechikwereti chitsva
Nzvimbo itsva yekukweretesa kadhi rechikwereti ichasimudza chikwereti chako-chiyero chezvikwereti zvekadhi rako rechikwereti kune zvikwereti zvinokwana zvikwereti. Iyo inowedzera zviyero zvako ndeye, iyo inowedzera chikwereti chako kushandisa, uye kunyanya chikwereti chako chikwereti chakakanganiswa.
Chengetesa mari yekutenga pane kuisa pakadhi rako rechikwereti kuti kuderedza kusvibiswa kwekwereti yako chikoro. Kunyange zviri nani, kana iwe ukwanisa kudzivisa kutenga zvachose, shandisa mari iyo kuderedza kadhi rako rechikwereti. Kuderedza zviyero zvako kunobatsira kuvandudza chikwereti chako.
04 Chengetedza chikamu chakafanira nekuda
Nhoroondo yako yemubhadharo inoita 35 muzana yemari yako chikoro . Izvo zvinotevera shure kwako zviri pamitero yako, iyo inowedzera kunoshungurudza chikwereti chako chikoro. Bata pane rako rekubhadhara kadhi rechikwereti vasati vabhadharwa kana kutumirwa kusangano rekuunganidza.
Taura nekadhi yako yekwereti yekwereti pamusoro pekubhadhara kwako kusina kukwana. Vanogona kunge vachida kudzorerazve kero yako kuitira kuti chikwata chako chekwereti chiratidze kero yako nguva dzose yakabhadharwa panguva.
05 Dzivisa kushandiswa kadhi kadhi rechikwereti
Chero bedzi iwe uri muchikwereti kugadzirisa mafungiro, iwe unofanirwa kudzivisa kuita chero zvipi zvitsva zvikwereti kubva kune chikwereti kubva kumakero ekukwereta zvinogona kukuvadza chikwereti chako chikoro. Kuzarura kechikwereti chekwereti zvakare kunoderedza chikamu chako chekwereti yezera, chimwe chiito chinokuvadza chikoro chako chekwereti.
06 Siya maakaiti akazarurwa, kunyanya avo vane zviyero
Iwe unogona kuedzwa kuti uvhare kadhi kadhi rechikwereti rave rava kudarika, asi tarisira. Usati wasvhura account inogutsikana kuti haigoni kukuvadza chikwereti chako. Semuenzaniso, kupfiga kadhi rechikwereti nemari inogona kukuvadza chikwereti chako. Hazviwanzoitiki kuti kupfigira kadhi rechikwereti kuchavandudza chikwereti chako.
Kusiya nhoroondo yakashama zvakare kunogona kubhadhara chikwereti chako chikwereti kana uri kuita panguva imwe chete yekubhadhara.
07 Taura nevako vane chikwereti
Vanogona kunge vari vanhu vekupedzisira wamunoda kutaura navo, asi iwe ungashamiswa nerubatsiro rwaungagamuchira kana iwe ukashevedza kadhi rako rechikwereti. Kana uine dambudziko, taura nevatengi vako nezvemamiriro ako ezvinhu. Vakawanda vavo vane hurongwa hwekugadzirisa kwenguva shoma huchaderedza mari yako yemwedzi kusvikira iwe unogona kudzoka netsoka dzako.
08 Kubhadhara chikwereti
Nhamba ye chikwereti chauri kutakura ndeye 30 muzana yekwereti yako chikwereti, uye iwe unofanira kutanga kutora chikwereti ichocho kuti uvandudze chikwereti chako.
Iva neunyanzvi hwokuuya nemari yakawedzera kuti ubhadhe chikwereti chako. Somuenzaniso, iwe unogona kutyaira kuti uende-kugoverana kushanda kana kutengesa zvimwe zvinhu pane webhusaiti yepainstall online kuti uwane mari yakawedzerwa. Zvinotora humwe chibayiro, asi rusununguko rwemari hunowana-uye chikwereti chikwereti chaunowana-chichakodzera.
09 Wana rubatsiro rwezvenyanzvi
Zvinyorwa, sevashandi vechikwereti mazano, zviripo kuti zvikubatsire. Kana iwe uchinetseka nemari yako mamiriro ezvinhu, tsvaka rubatsiro rwemhizha. Iwe unogona kuwana chikwereti chekubhadharira chikwereti kuburikidza neNational Foundation yeCredit Counseling. Iwewo unogona kutumira chirevo chako chekubhadhara kadhi rechikwereti nhamba yerunhare kuti utone kana uri kunetseka uchiita kuti iwe ubhadhe.
10 Ivai nemoyo murefu uye musingatendi
Kushivirira haisi chinhu chinoshandiswa kuverenga chikwereti chako chikoro, asi chimwe chinhu chaunoda kuva nacho iwe uchigadzirisa chikwereti chako. Chikwereti chako chakanga chisina kukuvadzwa usiku huno, saka usatarisira kuti chivandudzike munguva iyoyo. Ramba uchibhadhara chikwereti chako pane imwe nguva mwedzi woga woga, uye nekufamba kwenguva iwe uchaona chikwereti chako chikamu chivandudza.