Pano pane chikwereti chechikwereti makumi maviri uye chokwadi pamusoro peumwe neumwe.
A Bad Credit Score Nguva Dzose
Chimwe chikwereti chikwereti chikwangwani chichagara nekusingaperi kana ukaramba uchiita zvisarudzo zvinokuvadza chikoro chako chekwereti , kureva, kubhadhara nguva refu, kuwedzera zvikwereti zvako zvekwereti, kubvumira zvikwereti kuenda kumahomwe, nezvimwewo.
Kana zvisina kudaro, kana ukatanga kutarisira chikwereti chako zvakanaka, chikwereti chako chikoro chichavandudza nenguva.
Zvinotora Nguva Yakawedzerwa Kwekwereti Chekwereti kuenda Kuipa
Zvinongotora mwedzi mishomanana kuparadza chikwereti chakanaka . Pachine mwedzi mitanhatu yakapfuura, chikamu chako chichakwaniswa-ichocho, ndicho chimwe chezvinhu zvakaipisisa zvaunogona kuita kune chikwereti chako. Misikiti yakawanda-zvikwereti kana zvikamu zvinogona kuparadza zvachose chikwereti chako.
Kuongorora Chekwereti Chako Kunokuvadza Chikamu Chako
Iwe unogona kutarisa iwe pachako chikwereti nguva dzakawanda sezvaunoda kunze kwekukuvadza chikwereti chako chikoro chero bedzi uchishandisa chikwereti scoring services, uye kwete kubhadhara chikwereti, kuti uone chikoro chako.
Iwe Unofanirwa Kuita Mari Yakawanda Kuti Uve Nemazano Akanaka Kwazvo
Mari yakawanda yaunongova nayo zvakananga zvikonzero zvekwereti yako. Mari inenge isiri iyo mukwereti yako chikoro . Zvisinei, maitiro ekubhadhara mari (ayo anokonzerwa zvishoma nemari yako) inotora mukwereti yako chikamu. Hazvina mhosva kuti une mari yakawanda sei, kubhadhara zvikwereti zvako nenguva ndeye chinhu chakanakisisa chaunogona kuitira chikwereti chako.
Munhu Mumwe Nomumwe Ane Chete Chekuita Chikwereti
Munhu mumwe nomumwe ane zvikwereti zvizhinji zvekwereti nokuti kune zvikwereti zvakasiyana zvakasiyana siyana zvekwereti. Uye kune chikwereti chimwe nechimwe chekuenzanisa muenzaniso, pane zvikwereti zvitatu zvakaenzana zvekwereti kune chimwe chezvikwereti zvikwereti.
Chikwereti Chakwereta Iwe Chengetedza Ndiyo Mumwe Wako Muteereri Wako Achaona
Iko chikwereti chikoro iwe unowanikwa paIndaneti, kana wakasununguka kana chakatengwa, chikoro chemari yechikoro uye kazhinji hachisi chikwereti chimwechete chaunotora chikwereti chako chichashandisa .
Kunyange zvazvo chikoro chekwereti chekubhadhara chingakwanisa kukupa pfungwa yakawanda yehutano hwako hwekwereti, haugoni kutora zvishoma kuti iwe uchabvumidzwa zvichienderana nenhamba iyoyo.
Kuwana Wokuroorana Kuzobatana Nhamba Yako Chikwereti
Iwe newawakaroorana naye mucharamba muchichengetedza zvikwereti zvakasiyana zvemakero uye chikoro chikoro mushure mekunge musunga pfumo . Nhoroondo dzakabatana dzichakanganisa zvose zvezvikwereti zvako chikoro, asi mumwe nomumwe-maitiro akachengetwa achagadzirisa chete chikamu chekwereti chekwereti.
Matare ekubhadharwa uye akabhadhara Kubatsira Kuvaka Chikwereti Chakanaka
Nhau dzakaipa kune ani zvake akakumbira kadhi yakabhadharwa kana kuti yebhengi achitarisira kugadzirisa zvikwereti zvekwereti: hapana "chikwereti" pane zvekubhadhara kana makadhi akabhadharwa uye mararamiro ako ane makadhi aya haapindi mukwereti yako. Marikiti yemakadhi uye zvikwereti ndeyokutanga yemari yemiti inokanganisa chikwereti chikoro.
Vashandi Check Credit Scores
Zvinopesana nomurairo kune vashandi kushandisa zvikwereti zvekwereti kuvhenekeri vashandi vebasa. Vhidhiyo vanowanzoita izvi zvisiri izvo nokuti vanhu havanzwisisi kuti chikoro chikoro uye zvikwereti zvekwereti hazvisi zvimwechetezvo . Anoshandira anogona kutarisa chikwereti chako chekwereti asi kwete chikwereti chako.
Kuvhara Kadhi KaKwereta Kunovandudza Chikamu Chakwereta
Kuvhara kadhi rechikwereti kunowanzokuvadza chikwereti chako chikwereti pane kubatsira, kunyanya kana iwe ukavhara kadhi racho nemari.
Kusiya maakaregi kuvhurwa, kunyanya kana vakamira zvakanaka , kazhinji zviri nani kune chikwereti chenhamba.
Kuva nemari Mari muBanki Unoreva Kuti Une Chikwereti Chakanaka.
Mahairiro ebhangi haisi chinhu chinoshandiswa kuverenga chikwereti chako chikoro . Panogona kunge kune kuwirirana pakati pemaitiro akanaka ekuchengetedza uye zvikwereti zvikwereti zvakanaka, asi munhu anogona kuva nemari yakaipa yechikwereti uye mari yakawanda mubhangi kana vasingashandisi mari yekubhadhara zvikwereti zvavo nenguva panguva yemwedzi.
Kubhadhara Gungano Rinodzivirira Iko Kunokuvadza Kero Yako Chikwereti
Kubhadhara kambani yekuunganidza kunogona kubatsira chikwereti chako chekwereti munguva refu, asi usatarisira kuwedzera nokukurumidza kubva kuripa kukohwa. Kana kese kuunganidzwa kuri purogiramu yako yechikwereti, inowedzera mukwereti yako chikoro kusvikira nguva yekupa chikwereti chikwereti inopera. Pane chimwe chinhu chekuunganidza pasi pe $ 100, asi chete neyemitsva yekwereti yezvikwereti zvisingateereri zvinyorwa izvi zvishoma.
Zvakaipa Zvinowanzoreva Zvaunenge Usingazobvumirwi Nezvose
Chimwe chikwereti chikwereti chakaipa chinoita kuti zvive zvakaoma kuti ugamuchirwe, asi handizvo chete izvo vanotora chikwereti uye vateresi vanofunga pavanenge vachiongorora chikwereti chako. Mari uye chikwereti chekwereti ndeimwe zvinhu zvinoita basa. Iwe unogona kugamuchirwa kunyange nechakaipa chikwereti chikoro, asi unoda kubhadhara mari yekuchengetedza kana yepamusoro yekutora chikwata.
Zvinotora Makore manomwe Kuti Uvandudze Zvakaipa Zvikwereti
Nyaya dzakawanda dzakaipa dzinoramba dziri pamushumo wako wekwereti kwemakore manomwe, asi semashoko asina kunaka mazera, inobata chikwereti chako chisina chakanaka. Iwe unogona kuvandudza yako chikwereti mapeji asati nyaya dzisina kunaka dzikawa kana iwe ukaita zvikwereti panguva yakakodzera uye uchengete chikwereti chakanaka chekwereti kuenda mberi.
Kugutsikana neAk Account Kuchakubatsira Kutora Chikwereti Chakwereta Unogona kukakavhura ruzivo rwekwereti yekwereti iwe unotenda kuti haina kururama, asi izvozvo hazvirevi kuti ruzivo ruchabviswa. Uye, kana kukakavadzana kwako kuchidzoka mukutendera kwako, hapana chivimbo chako chekwereti chikoro chichakwira.
Kushandisa Kubhadharwa Kwemari Kuzoita Hurt Your Credit Score
Izvo zvinobvunzwa kana iwe ukanyorera chikwereti chitsva ndeye 10% yekwereti yako chikoro. Inquiri dzinogona kukuvadza chikwereti chako chikoro, asi zvakanyatsoitika pamakero ako chikwereti zvinoenderana nemamwe mashoko ose pamusoro pekwereti yako. Zvinokwanisika kuti chikwereti chako chikwanganiso chingave chisingafambi zvachose mushure mekunge maita chikwereti chekwereti.
Unofanirwa Kuita Chikwereti Kuvaka Izvo Zvakanaka Chikwereti
Iwe unoda kushandisa zvikwereti zvekwereti kuti uwane chikwereti chakanaka chikoro. Izvozvo zvinogona kunge zvakajeka sekuzarura kadhi rechikwereti, kuripa zvishoma neyo mwedzi woga woga, zvino kuripa iyo mwedzi woga woga. Iwe haufaniri ku-uye haufaniri-kuumba chikwereti chakawanda kudarika iwe unogona kuwana nzvimbo yakanaka yechikwereti .
Unofanirwa Kuita Chikwereti Kuvaka Izvo Zvakanaka Chikwereti
Iwe unogona kuwana tu rehudha yekwereti yepachena kuburikidza nenzvimbo iyi yepakati. Chikwereti chako chikoro hachina kuiswa. Kune mamwe mabasa anopa pachena chikwereti chikoro , seKwere Karma somuenzaniso. Vamwe vane kadhi rechikwereti vakabva vatanga kusanganisira zvikwereti zvekwereti pamashoko ezvikwereti zvekwereti yemwedzi.
Kusagamuchira Chikwereti Chine Zvaunoreva Unayo Izvo Zvakanaka Chikwereti
Nhamba yako yemari chikwereti chinhu chinowanikwa mukwereti yako, asi inouya yechipiri kumubhadharo wekare. Kana iwe wakabhadhara chikwereti chako mushure mokunge uine chikwereti chakaipa, zvinogona kutora mwedzi yakawanda, makore kunyange, nokuti chikwereti chako chinowedzera. Uye kana uine chikwereti-pasina nekuda kwekubhadhara, iwe unenge uine mutoro wekubhadhara iwe uine chikwereti pane chikwereti chako .
Iwe Chete Unoda Kuongorora Chikwereti Chako Chekwereti Kana Iwe Wakave Wakaipa Zvikwereti Kana Wava Pedyo Kuda Kuda Mari
Mutengi wose anofanira kutarisa chikwereti chezvikwereti uye zvikwereti zvekwereti nguva nenguva gore rose - imwe nguva padiki-kuongorora hutano hwavo hwekwereti. Kuchengeta chikwereti chako chikwereti nguva dzose zvinokubvumira kuti usimbise kuti uri kutarisira chikwereti chako zvakanaka.