Chikwereti chako nhamba iyi nhamba ine simba inobata hupenyu hwako ikozvino uye munguva yemberi, munzira dzingasambofungidzira. Nhamba yako inotarisa kuwanda kwekutora iwe unobhadhara kadhi rechikwereti uye zvikwereti, uye anobatsira vanokweretesa kuti vasarudze kana iwe uchibvumirwa kune avo makadhi emakwereti uye zvikwereti pakutanga.
Mabhizimusi asina kutarisirwa, akadai semakambani einishuwarenzi, atanga kushandisa chikwereti chako chikwanganiso kuita zvisarudzo pamusoro pako. Makambani ehurumende anotarisa chikwereti chako usati watanga basa idzva muzita rako, uye vamwe vashandi chengetedza chikoro chako chekwereti (asi kwete yako chaiyo chikwereti chikoro) kusarudza kana kukupa basa, kumutsa, kana kukusimudzira.
Kuchengetedza nekuvaka chikwereti chako chakakosha kudarika kare, uye kuti iwe unobata sei zvinhu zvishanu zvinotevera zvinogona kuita mutsauko wese mukugadzirisa chikwereti chako chikoro.
01 Bhiri Yenyu Kubhadharwa Nhoroondo
Mari yekubhadhara inogadzira 35 muzana yemari yako chikwereti. Ichokwadi, iyo yakakodzera iwe kubhadhara zvikwereti zvako zvinokanganisa chikwereti chako chekwereti kupfuura chero chimwe chimwe chinhu. Nyaya dzekubhadhara zvakakomba, sekubhadhara, kubhadhara, kubhadhara mitero kana kuburitswa kunogona kuparadza chikwereti chako chikoro, zvichiita kuti zvisingakwanisi kugamuchirwa chero chinhu chinoda chikwereti chakanaka.
Chinhu chakanakisisa chaungagona kuita nokuda kwekwereti yako chikwereti ndeyekuti iwe ubhadhara nguva nenguva mwedzi.
02 Nhamba Yako Yematokari Matambudziko
Chikwereti chako chepamusoro chinopa 30 muzana yemari yako chikwereti. Kubhadhara zvikwereti zvekukwereta, zvakadai sechikwata cheFICO, tarisa zvimwe zvikonzero zvinokosha zvine chokuita nekwereti chako. Nhamba yemari yechikwereti chaunotakura, chiyero chezvikwereti zvekadhi rako rechikwereti kune chikwereti chako chechikwereti (chinonziwo chikwereti chekushandisa ), uye ukama hwemarikero yako yezvikwereti kune chikwereti chekutanga chemari.
Somutungamiri, iwe unofanira kuchengetedza kadhi rako rechikwereti rekubhadhara pamapfumbamwe makumi matatu kana kuti pasi, zvinoreva chete kukwereta kusvika pamakumi matatu emakadhi emakiti cheropi anowanikwa.
Kuva nezviyero zvakakwirira kana chikwereti chakanyanya kunogona kuchinja zvikuru chikwereti chako. Mashoko akanaka ndeokuti chikwereti chako chikoro chinogona kukurumidza kukurumidza apo iwe unobhadhara pasi miyero yako.
03 Kubhadharwa Kwakaitika Kare Kare
Inguva yakareba sei iyo yekare yekwereti yekwereti? Nguva yechikwereti ndeye 15 muzana yekwereti yako yekwereti uye inofunga zvose zvezera remakore enyu ekare uye yevheji yezera remabhuku enyu ose. Kuva ne "mukuru" yekwereti yeyakare zviri nani kune chikwereti chenhamba nokuti inoratidza kuti iwe une ruzivo rwekushandisa chikwereti. Kuzarura maakaunti matsva kana kuvhara maakisi akange aripo kunogona kuderedza chikamu chako chekwereti yezera. Nokuda kwechikonzero ichocho, kazhinji haisi pfungwa yakanaka yekuzarura maverengi matsva pakarepo.
04 Mhando dzeKwereti paNhoroondo Yako
Mhando mbiri dzemhando dzekwereti dzekodhi dziripo: maakarenda anoenderera uye zvikwereti zvekugadzirisa. Kuva nemhando dzose dzekodha pamushumo wekwereti yako zviri nani kune chikwereti chenhamba nekuti inoratidza iwe une ruzivo rwekutarisira marudzi akasiyana ehomwe.
Zviri nani kana iwe uine zvikwereti zvemarudzi akasiyana-siyana edzimba, zvakadai semotokari kana imba, kuwedzera kune makadhi emakwereti, uye zvichida mudzidzi kana chikwereti chako pachako.Zvikwereti zvechikwereti bedzi zvinoumba 10 muzana zvekwereti yako yechikwereti, saka usina rumwe rudzi rwechikwereti, zvakadai sechimwe chikwereti chikwereti, hachizoparadze chikamu chako.
05 Nhamba yeKubvunzurudzwa Kwemari
Nguva imwe neimwe paunotumira chikumbiro chinodikanwa chekuchechechedza chikwereti, kubvunzwa kunowanikwa kune ripoti rako rechikwereti rinoratidza kuti iwe wakaita shanduro-based application. Inquiri dzinoita 10 muzana yemari yako chikwereti. Mubvunzo mumwe chete kana maviri hauzokuvadzi zvakanyanya, asi mibvunzo yakawanda, kunyanya mukati memakore mashomanana ingakuregedza iwe vazhinji kubva pane yako FICO score. Chengetedza zvinyorwa zvako zvishoma kuti uchengete chikwereti chako.
Nhau dzakanaka ndeyekuti mibvunzo chete yakagadzirwa mukati memwedzi gumi nemaviri inotora mukwereti yako chikoro. Inquiri dzinonyangarika zvakakwana kubva kumushumo wako wechikwereti mushure memwedzi 24.
Cherechedza kuti kutarisa mharidzo yako yekwereti inobvunza mubvunzo we "soft" , izvo hazvina kukanganisa chikwereti chako chikoro.
06 Zviitiko Zvisingaiti Kuti Uwane Chikwereti
Zvimwe zvinhu zvinowanzofungidzirwa kuti zvinokonzera chikwereti chako, asi hazviiti, kwete zvakananga zvishoma. Ruzivo rwakadai semari, mari yebhanji, uye nzvimbo yebasa inogona kukanganisa kukwanisa kwako kubvumirwa, asi hazviiti kuti zvive muhutori hwegoridhi hunotora chikwereti chako chikoro. Age, marital status, uye debit kana kushandiswa kwekadhi yakabhadharwawo hazviiti zvekutora chikwereti chako.