Iyi Mitero Inenge Isingakwanisi Kuvandudza Chikwereti Chakwereta
Chikwereti chako nhamba iyi nhamba ine simba inobva mukubhadhara kwako zvimwe zvikwereti, sekukwereta makadhi nemari chikwereti. Asi, kune zvimwe zvekutengeserana kwezvemari muupenyu hwako hwezuva nezuva izvo zvisingabatsiri pane chikwereti chako - zvakanaka kana zvakaipa. Hezvino gumi zvezvinhu zvausingafaniri kunetseka pamusoro pokukuvadza chikwereti chako chikoro.
01 Bank Overdrafts
Zvisinei, kana kambani yako ichingosarirwa mberi kwevhiki dzinoverengeka uye bhagheni rako rinoguma kutumira kambani yako kuhofisi yekuunganidza , chikwereti chako chekwereti chichatora, asi nekuda kwekukwereta chikwereti chinotora kubva kubhadharo rakadhindwa, kwete kuwedzerwa kwemari. Same inofamba yekuvhara kambani yebhangi .
02 Mari Yako
Mashoko pamusoro pemushandi wako angave akanyorwa pane yako repoti rekwereti , asi mari yako chaiyo haisi. Vanokwereta nevakweretesa vanoshandisawo mari yako yekugadzirisa kana iwe uchibvumira chikumbiro chako uye kuti iwe unogona kukwereta zvakadini. Asi kuva nemari yepamusoro kana yakaderera hakuzoiti zvakananga kukunda chikwereti chako. Semuenzaniso, mari yepamusoro haichazosimbisa chikwereti chako uyewo mari shoma inodhonza chikoro chako pasi.
Mari yako inogona kukurudzira kuti iwe unobhadhara sei zvikwereti uye nemari yekubhadhara yakabatanidzwa mune chikwereti chako.
03 Inishuwarenzi Payments
Kana iwe uchinge uchinge uchinge usirikana nemishonga yakawanda yemishuwarenzi, kambani yeinishuwarenzi inogona kuregeredza hurongwa hwako pane kutumira chikwereti chisina kubhadharwa kuhomwe.
04 Kubatsirwa Kwevana uye Alimony
Kubatsirana nevana uye alimony mubhadharo hazviwanzokanganisa chikwereti chenyu chikwereti kunze kwekuti iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge Mukudaro, chikwereti chako chikoro chinogona kudonha zvikuru. Kwete izvozvo chete, iwe unogona kusungwa uye kupomerwa nekuda kwezvikwereti zvawakashata.
05 Utility uye Cell Phone Payments
Kufanana nemakambani einishuwarenzi, vakawanda vanoshandiswa uye vanotengesa foni vanoongorora chikwereti chenhamba yako usati watambanudza basa. Asi mabhizimisi aya haasi kupa nguva dzose ruzivo rwako rwekubhadhara kune chikwereti chekubhadharira . Chikwereti chako chikwanganiso hachibatsirwi nekubhadhara nguva yakakodzera pane zvaunoshandisa kana zvikwereti zvefoni. Zvisinei, kana nhoroondo yako ichipfuura nekuda, inogona kupfuudzwa kune imwe sangano rinounganidza iro raizonyora iyo nhoroondo pamushumo wekwereti yako inotungamirira kukwereti yekwereti.
06 Kutengesa Kwemari
Mune zviitiko zvakawanda, kubhadhara renti yako panguva hazvizobatsiri chikwereti chako. Kutaura zvazviri, chikwata cheFICO chingave chisingatauri mutsetse webhizimisi yokubhadhara kunyange kana wakaonekwa pamushumo wekwereti yako. Kune rimwe divi, kuwira kumashure pamari yako kunogona kutungamirira kukudzingwa kunogona kukuvadza chikwereti chako chikoro uye kukwanisa kwako kukwereta kana kuwana kadhi yemarikiti uye zvikwereti munguva yemberi.
Pane chimwe chinhu chakasiyana-siyana: vamwe vagari vepanzvimbo vangarondedzera zvikwereti kuna Experian RentBureau. Mune zviitiko izvi, kubhadhara mari kunogona kubatsira wako Experian chikwereti chikoro.
07 Checking Your Own Credit
Iwe unogona kutarisa chikwereti chako chekwereti kana kuwandisa kakawanda sezvaunoda uye chikwereti chako chikwereti hachizosiyi chimwe chinhu chero bedzi iwe uchichitarisa kuburikidza nemudzimai ane mbiri, segore negoreCreditReport.com, mahofisi emakwereti , FICO, kana munhu wechitatu wepamutemo. Kunyange zvakadaro, kuva nemari yekutengesa chengetedza chikwereti chako chechikwereti kuti iwe unenge wakaita sekutsvaga kubvunzurudza kunogona kukuvadza chikwereti chako chikoro nenzira imwechete yekushandira kwechikwereti.
08 Zvaunofarira
Chikwereti chako chikamu chinoita kuti uwane chido chako uye kwete imwe nzira yakapoteredza. Kuva nechikwereti chekuda mari pamakadhi ako ekwereti uye zvikwereti hazvizokuvadza chikwereti chako. Uyewo hazvizoiti kuderera kwezvikwereti zvinowedzera chikwereti chako. Asi, panogona kuve nekukwirirana pakati pekwereti chikoro nemari yezvikwereti sezvo vatengi vanowanzopa zvikwereti zvakanakisisa kune vanokwereta nekanakisisa chikwereti chikoro.
09 Kubhadhara Kwereti
Imwe yenhema pamusoro pekupa mazano kune chikwereti ndeyekuti yakaipa kune chikwereti chako seChitsauko 13 kubhadhara. Icho hachisi chechokwadi. Kunyange zvazvo kubhadhara mazano kunogona kuratidzika pamushumo wekwereti yako, hazvingakuvadzi chikwereti chako. Kana mupi wezvikwereti ari kutarisira chikwereti chako chekadhi rechikwereti, unofanirwa kuva nechokwadi chokuti wako chikwereti ari kuwana mahomwe ako nenguva. Kuteerera kwemazuva mashoma kwakakuvadza chikwereti chako chikwereti kunyange kana vachibva kuchikwata chekwereti.
10 Nguva Yako
Zera rako harina kubatanidzwa mune chikwereti scoring calculation , asi panogona kunge kune ukama pakati pezera rako uye chikwereti chako chikoro. Kana iwe uchiri muduku, mukana iwe hauna ruzivo rwakawanda nekwereti, izvo zvinogona kuderedza chikwereti chako chikoro. Mumwe munhu akwegura ane mari yakawanda yekwereti ane nguva yekukanganisa chikwereti chekambani kuti aregere ruzivo rwekwereti yavo, saka vanogona kunge vane chikwereti chepamusoro chekwereti.