Mamwe chikwereti mapurogiramu vanouraya zvakaoma kudzivisa, sekushayikwa kwebhadharo rekutora chikwereti nokuti wakarasikirwa nebasa kana kuwedzera ma kadhi ako ekwereti nokuti iwe unofambiswa nemari yezvechiremba. Asi zvizhinji zvezvikwereti zvinokonzera zvikwereti zvikanganiso zvakajeka izvo zviri nyore kuisa dodge.
Pano pane zvikanganiso zvitsva zvekwereti iwe hauna chikonzero chekuita - zvisinei kuti mamiriro ako emari ari kupi.
01 Yega Kubhadhara Zvikwereti Zako Panguva
Iwe unogona kuva nemari yose yaunoda kubhadhara zvikwereti zvako , asi kana usingachengetedzi kana mabhizimisi ako akakwana, iwe unogona nyore nyore kutora chikwereti chako chekwereti nemutengo mumwe chete wemazuva makumi matatu ekubhadhara. Kana iwe uchingorasikirwa nebhadharo nemazuva mashomanana chete, bhangi rako haringaregi kubhadharwa kwekupedzisira kune zvikwereti zvekwereti. Asi zvingave zvichiri kukurovai nemhosva inorwadza yekubhadhara mari. Mamwe makadhi emakwereti, somuenzaniso, anotengesa mari yekubhadhara nguva yakakwirira sepamusoro pe $ 38 kuti vadzoke zvakare vanokanganisa. Kana iwe uchingogara uchinyora pamusoro pebhadharo yako, shandisa mari yebhengi yako yekubhadhara zvakakwana kuitira kuti uve nechokwadi chokuti iwe unenge uchibhadhara chikamu chiduku chakafanira. Mabhengi mazhinji anopa mayeuchidzo eemail uye magwaro kuitira kuti iwe usine chikonzero chekukanganwa kubhadhara kwako pamwedzi. 02 Kutanga Zvimwe Zvokubhadhara Zvikwereti Pamusoro peKwereta Kwemari Yenyu
Vanhu vakawanda vari kutambura kubhadhara zvikwereti zvavo vanonyanya kukoshesa kubhadhara zvikwereti zvakakura, zvakadai somunhu oga uye nemari chikwereti, pamusoro pemakadhi avo emakadhi, maererano nesangano rekubhadhara chikwereti TransUnion. Somugumisiro, kubhadhara kwakaderera pamakadhi emakwereti kunowanzowedzera kuva yakawanda. Asi kubhururuka kubva pamari yekadhi yemakadhi nekuda kwekuti mari yako yakaoma iko kukanganisa. Zvikwereti zvekwereti zvakawanda zvinowedzera chikamu chepakati pe 1 peresenti yemari yako, pamwe nezvose zvaunofarira, kana 2 muzana yemari yako yakaenzana. Saka, somuenzaniso, kana iwe uchikwereta $ 1 000 pane kadhi iyo inofungidzira zvishoma kwe 2 muzana yemari yakakwana, iwe unotarisirwa kubhadhara $ 20 chete - izvo zvisinganyanyi kukosha kwepizza huru. Kana iwe uchigona kukwanisa kuparge paMudiwa Waduku 'Mukuru, unogona kukwanisa kubhadhara kadhi rako rechikwereti. 03 Toss kana Faira Mitemo Yako Usina Kutarisa
Inogona kunzwa sechinhu chakanaka chokupedza kuburikidza nemitemo yako nekuda kwemhosva dzisina kururama kana dzisinganzwisisiki. Asi usazviisa pamusana chete nokuti zvinotyisa. Iwe unogona kubhadhara kubhadhara mutero wausina kuita, kana kurasikirwa nemukana wako wekukakavadzana mhaka isina kukodzera kubva kumutengesi. Iko Fair Credit Billing Act inokupa kodzero yekupikisa zvikanganiso zvekutengesa mabhizimisi, zvakadai semhosva dzisina kukodzera kana mbiri ... Asi iwe unofanira kuisa gakava mumazuva makumi matanhatu kuti ushandise kushandisa kudzivirirwa. (Une nguva yakareba kana mvumo isina kubvumirwa inobva kune mumwe munhu akabba kadhi rako rechikwereti.) Asi iwe haugoni kupopotedzana nemhosva kana iwe usati watombotarisa chikwereti chako, uye iwewo unogona kuramba uchiziva kuti mumwe munhu akaba yako kadhi rechikwereti. Zvinogona kunge zvinotyisa, asi verenga bhora rako.
04 Rega Zvikwereti Zvako Zvikwereti uye Zvikoro
Iwewo une kodzero yekuona imwe neimwe yemari yako yemarikiti kubva kumakambani makuru matatu ekukweretesa chikwereti - Experian, Equifax uye TransUnion - kamwechete kamwe pagore, pasina. Asi kana iwe usingashandise kubatsirwa kwegore negore, iwe unogona kunge usingazivi kana zvikanganiso zvekweretheni dzekwereti kana mabhuku asina kubhadhara zvisiri izvo zvinokuvadza chikwereti chako chikoro. Kuti uwane mitsara yako yepachena, shanya gore rimwe nerimwe Iwe unogonawo kuchengetedza mabhesi pachikwereti chako zvikwereti zvekusununguka nekushandisa zvakasununguka zvikwereti zvikwereti zvikwereti zvinopiwa nekadhi rako rechikwereti. Uye iwe miviri miviri yakadai - Discover's CreditScoreCard uye Capital One's CreditWise - rega uone chikoro chako kunyange iwe usingati mutengi. 05 Close Close Account Old Account
Kana kadhi yakare iri kuunganidza guruva muhomwe yako, unogona kuedzwa kuti uvhare account uye uikande. Asi kunze kwekuti uri kubhadhara mari yakawanda yegore negore, kukanganisa kuvhara kadhi rako. Kuvhara kanda chikwereti kunogona kusatarisira kutora chikwereti chako chikoro, kunyange kana usina kushandisa kadhi mumwedzi. Nokuvhara iyo nhoroondo, iwe uchaderedza chikwereti chose chechikwereti chinowanikwa kwauri, icho chichakanganisa zvakanyanya chikwereti chako chekushandisa - chikamu chakakosha kune chikoro chako. Uye kana iri yekare kare kare kare ine nhoroondo yakareba ye-pa-nguva yekubhadhara, iyo inogona kunge yakanyanya kuipa, sezvo ichi ichikuita mu "urefu hwebato remakore". Vatengesi vanoda kufarira mazamu akareba-nhoroondo nemashoko akanaka ekubhadhara, asi mavhareji akapfigwa nehau ye-on-time zvikwereti ichazosiya mhinduro dzako. Isa kadhi mune yako sock drawer kana iwe uchifanira, asi usati uvhare account; uye funga kuwedzera kubhadharwa kuripo kuti uone kuti bhangi havhare account nekuda kwekusaita.