Yakarurama Here Kana Kuti Nhema?
Mari yekupedzisira inowanikwa mumitemo yako yechikwereti apo vateresi vanotaura kuti iwe wakabhadhara munguva pfupi.
Izvozvo zvinogona kuitika mune imwe yenzira mbiri:
- Iwe wakabhadhara nguva pfupi, uye uyo anokweretesa ari kutaura chokwadi.
- Iwe hauna kumbobhadhara nguva pfupi, uye uyo anokweretesa kana chikwereti chekodhi akaita chikanganiso kuwedzera kubhadhara kune ripoti rako.
Kana iyo mharidzo yakarurama , zvichava zvakaoma uye nguva yekudya kuti kubhadhara kubhadharwa kubva pamishumo yako-uye zvingasamboita.
Kana kubhadhara kwekupedzisira kwakakanganisa , zvinofanira kunge zviri nyore kugadzirisa kukanganisa : faira kukakavara kutsanangura kuti pane kukanganisa, uye unoda kuti kubhadhara kubviswa. Shandisa courier (seFedEx kana UPS) kana kutumira tsamba ne USPS neChikumbiro Chekudzorera. Vatengesi vanodikanwa kugadzirisa kukanganisa, uye kukundikana kuita kudaro kuputsa kweFeral Fair Report Report Act (FCRA). Fixing the error may take weeks, but you can be able to accelerate the process using rescoring fast . Kubhadhara kugadzirisa nokukurumidza kunongonzwisisika kana iwe uri pakati pekutenga pamba kana chimwe chiitiko chinokosha.
Nzira Yokuwana Zuva Rokubhadhara Rakabviswa
Kana kubhadhara kwekupedzisira kwakarurama, iwe unogona kukumbira vatengi kuti vabvise mubhadharo kubva kumakero enyu emari. Havana kutarisirwa kuita kudaro, asi vangangoda kugamuchira chikumbiro chako, kunyanya kana chimwe kana zvimwe zvezvinotevera zvinoshanda:
- Iwe une chikonzero chepamutemo chekubhadhara nguva refu (hospitali, dambudziko, mabhosho emabhangi).
- Iwe unogona kuvapa chimwe chinhu mukudzoka.
- Iwe unogona kubhadhara zvikwereti zvako nenguva (kana iwe wakanga uchibhadhara nguva munguva pfupi).
Mukuwedzera kune zvinhu zviri kumusoro, uchawana mhinduro dzakanaka kana iwe ukabvunza zvakanaka. Yeuka kuti uri kukumbira mumwe munhu kuti akubatsire nechimwe chinhu--tsika-hachidiwi. Ichi chinhu chinotambudza uye chinokosha kwauri, chinoita kuti zvive zvakaoma zvikuru, asi maitiro ako anogara ari nani kana iwe unogona kugadzikana kutsanangura nyaya yako nekukumbira rubatsiro.
Ingozvibvunza: Nzira iri nyore ndeyokukumbira iwe chikwereti chako kutora chikwereti chekurumidza kubvisa chikwereti chako chekwereti. Izvozvo zvinofanira kubvisa ruzivo kubva kune zvaro kuitira kuti rirege kudzoka gare gare. Kune nzira mbiri dzekuita chikumbiro ichi:
- Danaidza chikwereti chako pafoni uye ukumbire kuti mari yacho iparadzwe. Munhu wokutanga waunotaura naye kakawanda haangakwanisi kukubatsira. Unokumbira zvematongerwo enyika kuti uwedzere dambudziko racho uye taura nemutungamiriri kana dhipatimendi rinogona kubvuma chikumbiro chako. Kana uchinge wava navo pafoni, ita nyaya yako nekutaura.
- Nyora tsamba uye ukumbire kubviswa. Kazhinji inozivikanwa sechinyorwa chakanaka , zvikumbiro izvi zvinokubvumira kuti ujekese kuti sei kubhadhara kuri kubviswa, uye zviri nyore kuisa uchapupu hunotsigira nyaya yako. Izvo zvinowedzera uchapupu, zviri nani.
Kutaurirana: Unogonawo kubudirira kana ukapa chikwereti chako chimwe chinhu chavanoda. Semuenzaniso, kana iwe uri shure kumashure, iwe unogona kukumbira kubhadhara zvose zvaunokwereta pakarepo (zvichida kusanganisira mari yekuripira) muchinja chokuwana mari yakadzingwa yakabviswa. Zvichida, iwe unogona kugovera kuti ugadzire zvinowanzobhadhara mari kuti uone kuti zvikwereti zvinosvika pane nguva munguva yemberi. Wana chero zvibvumirano zvinyorwa musati watumira chikwereti chikuru kune chikwereti chako.
Bharairira: Imwe nzira yakasarudzwa ndeyokungobatwa (kana kubhadhara chikwereti chaunokwereta). Zvisinei, kubhadhara kwekukweretesa mukwereti yako yekwereti kuchagara kwemakore manomwe, zvichiita kuti zvive zvakaoma kuti ugone kugamuchirwa kune zvikwereti zvakanakisisa uye inshuwarisi yemari. Mushure menguva iyo, zvikwereti "zvichaburuka" zvikwereti zvekwereti - hazvichazovi kuratidzwa kune vamwe, uye havazove chikamu chekwereti yako chikoro.
Kana ihwo chete sarudzo yaunayo, zviri nani kuva nemari shomanana yekubhadhara (kuti iwe wakagadziriswa pamwe chete) kupfuura mari-yega.
Wana rubatsiro rwepamutemo: Mimwe mamiriro ezvinhu akaoma zvokuti unoda rubatsiro rwezvenyanzvi. Mumwe gweta renharaunda anogona kuongorora nyaya yako uye kupa mazano kune dzimwe nzira dzinogona kuwanika pasi pemitemo yehurumende nematunhu.
Kana Iwe Usingabudiriri
Edzazve: Chikumbiro chako chokutanga chingave chisingabudiriri. Izvozvo zvakanaka - bvunza kakawanda nokuti unogona kuva neropafadzo nemumwe munhu akasiyana. Pakupedzisira, iwe unogona kunge usingakwanise kuwana zvikwereti izvozvo zvabviswa, uye iwe unongoda kugara navo.
Dzorera chikwereti chako: Kunyanya nekubhadhara kwenguva pfupi mumishumo yako, iwe uchada kuisa rimwe basa pakuvakazve chikwereti chako. Chinhu chinonyanya kukosha chaunogona kuita ndechokuti usatora mamwe maawa ekupedzisira - itora mari yako panguva. Vatumire mumazuva mashomanana mangwanani, uye usayine zvekubhadhara magetsi (zvichida nokuda kwebhadharo shoma) kudzivirira matambudziko. Kuwedzera mvumo mitsva yechikwereti uye kubhadharwa nenguva kunogona kubatsirawo, asi kungokwereta kana zvine musoro kukwereta - usazviita chete kuti uedze nemutambo wekwereti.
Kukwereta nechakaipa chikwereti: Zvikwata zvako zvichave zvishoma kana zvikwereti zvishoma zvakanamatirira, asi izvozvo hazvirevi kuti haugone kukwereta. Chinokosha ndechokudzivisa vatengesi vatengesi ( sekubhadhara mubhadhareti vanokweretesa ) vanobhadhara mari yakawanda nemari yezvibereko.
- FHA zvikwereti zvinogona kupa mari yekutenga imba , kunyange kana iwe usina chikwereti chakakwana. Iwe haugone kuve nekubhadhara kwenguva pfupi mukati memwedzi gumi nemana kubva pamakero ako emarikiti (mwedzi makumi maviri nemaviri ari nani), asi nyaya shomanana munguva yakapfuura haifanire kuderedza chikwata chako chemari chikwereti.
- Manual underwriting inobvumira vanokweretesa kubvumira zvikwereti zvisingatenderwi. Panzvimbo yekuva nekodzero yakasarudzwa nekombiyuta (nekuda kwekubhadhara kwekupedzisira), unogona kuva nemunhu chaiye anoongorora mamiriro ako ezvinhu . Zvimwe zvinyorwa, sezvakawandisa mamiriro ezvinhu uye chokwadi chokuti iwe unobhadhara renti yako uye mabhizimusi ehurumende panguva, inogona kuita mutsauko uye kutungamirira kugamuchirwa.
- Mumwe mubatsiri anogona kukubatsira kuti uwane mvumo yekubhadhara motokari uye zvikwereti zvevadzidzi. Mumwe mubatsiri anoshandira chikwereti newe uye anovimbisa kuita zvikwereti kana iwe ukakundikana kubhadhara panguva. Vatengesi vachatarisa zvikwereti zvekodhinari nemari uye mari yekuongorora chikwereti chekubhadhara chikwereti kuburikidza nekukwanisa kwako kwekubhadhara chikwereti. Kuti uwane mamwe mashoko, onai kuti kushanda sei .
Ko Mitezo Yemazuva Ekupedzisira Matter?
Nhoroondo yako yekubhadhara ndiyo chikamu chakakosha zvikuru cheFICO credit score, ine 35 muzana inorema . Kunyangwe kana zvikwereti zvako zvikwereti zvave zvakanaka, imwe yebhadharo inobhadhara inogona kukuvadza chikwereti chako, uye avo "mararamiro" vachagara mumakero enyu emari kusvika kumakore manomwe kunze kwekuti iwe uite chimwe chinhu pamusoro pavo.
Kuwedzera kwakakosha: Vatengesi vanoongorora chikwereti chenyu kuti vabvumire kana kuti vatsire mvumo yekubhadhara chikwereti, asi chikwereti chako chinoratidzawo mune dzimwe nzvimbo. Chikwereti chakasimba chinogona kuita kuti zvive nyore kuwana basa, kutenga inshurensi inotengesa, uye kubhadhara imba kana imba.
Ndeapi mapeji? Izvo zvinokonzerwa nehomwe yekubhadhara zvakapera zvinoenderana nezvimwe zvikonzero, kusanganisira kana vasiri vako vakakwereta vanotaura nezvekubhadhara nguva dzekubhadhara mari.
- Inguva yakadini? Mishonga isingapfuuri nemazuva makumi matatu ekupedzisira haifaniri kuonekwa mupoti rekwereti yako. Mushure mezvo, mari inotora chikamu (mazuva makumi matatu, mazuva makumi matanhatu, mazuva 90, nezvimwewo, kusvikira muteresi achiti chikwereti chakakwana). Kubhadhara mazuva makumi mapfumbamwe kunonoka kune zvakanyanya kukuvadza kudarika kubhadhara mazuva makumi matatu pfupi. Kubhadhara kwemazuva mashomanana kunonoka kunogona kusakanganise chikwereti chako, asi iwe unogona kunge uchibhadhara chirango kune wako chikwereti, uye iwe unogona kuisa kero yako yakavharwa.
- Kakawanda sei? Imwe kana maviri inononoka kubhadhara zvechokwadi ichakuvadza chikwereti chako, asi kukanganisa kunogumira kana iwe usingaiti tsika yako. Kana iwe kazhinji uchibhadhara nguva pfupi kana iwe uchitora nguva shoma pamatarenda akawanda, iyo inowedzera yakawanda.
- Ikozvino ichangopfuura? Kubhadharwa kwekupedzisira kwakagadziriswa purogiramu yako yechikwereti nokuti zvikwangwani zvakagadzirirwa kufanotaura remangwana, uye iwe wakawedzera ruzivo rutsva pamuenzaniso wezvidzidzo. Kunyange zvakadaro, zvinogona kubatsira kubatsira kubvisa nguva dzekupedzisira dzinenge makore akawanda nekuti zvipi zvisiri izvo zviri muchikwereti chako zvichayera zvikoro zvako.
Equifax, imwe yezvikamu zvitatu zvakakura zvekubhadhara chikwereti, inoshuma kuti mutengi ane chikwereti chakanaka angaona kuti zana-zana inodonha yekutanga pavanorayira mazuva makumi matatu munguva pfupi (zvikamu zvinowanikwa kubva pa780 kusvika ku680). Kana iwe wakatova nezvikwereti zve 680 uye imwe chete kana maviri nguva yekubhadhara, chikoro chako chinogona kuwira mamwe makumi manomwe pamba kana iwe ukawedzera mamwe mazuva makumi matatu ekubhadhara. Kubva pane nhamba idzi, kubvisa kubhadhara kwakakonzera kudonhoka kwemazana zana kunobatsira mashoma foni uye tsamba.