Paunenge uchitaura pamusoro pekwereti, kana kuti zvakananga uwandu hwevatendi vanogona kupa chikwereti kuti iwe uchadzorera mari yawakwereta, unogona kuwira kupi zvako pachiyero kubva kuchikwereti chakaipa, zvichireva kuti hapana achakukweretesa chero mari, kuva nechikwereti chakanaka, uko mabhengi nemakambani emakwere zvinokumbira kukukwereta. Vanhu vazhinji vanowira kune imwe nzvimbo pakati pezvinhu izvi zviviri zvakanyanyisa.
Nzira Yokutsanangura Sei "Zvakaipa" Chikwereti
Chikwereti chakashata chinowanzofananidza zvinyorwa zvekukundikana kwekare kuti urambe uchibhadhara zvikwereti pazvikwereti zvako zvechikwereti, zvichiguma nekushaya kukwanisa kugamuchirwa kwechikwereti chitsva.
Iko zvinoreva kuti iwe hauna kubhadhara chikwereti chako uye zvimwe zvikwereti panguva, kana kuti usina kubhadhara zvachose. Mushumo wenyu wechikwereti unofungawo zvinyorwa zvevanhu zvakadai sehupi huri hurumende kana hurumende yemitero, kubhadhara, kana kutongwa kwepamutemo pamusoro pako.
Makambani anonzi chikoro bureaus (anonziwo zvikwata zvekubhadhara chikwereti) awane chikwereti chenhoroondo yako uye ainyore iyo mumushumo wechikwereti. Sangano rega rega rinochengetedza mharidzo yaro yakasiyana, uye chikwereti chenhoroondo yako uye zvikwangwani zvingave zvakasiyana pakati pavo, nekuda kwezvikanganiso kana kusina ruzivo. Kunyangwe iwe uchaona zvinyorwa uye nhoroondo yezvikwereti zvako zvekwereti zvikwereti pamushumo wekwereti yako, haugoni kuwana chero chikwereti chekwereti pane chikwereti chekwereti.
FICO Scores
Chimwe chikwereti chechikwereti chinotora chikamu cheFICO chinoenderana nemari yako yekwereti. Iko Fair Fair Corporation (FICO) yakagadzira software nehurongwa hwekugadzirisa chikwata ichi; saka, zita racho.
Makambani akasiyana akadai semotokari yemotokari, mortgage chikwereti nemakambani ekadhi rechikwereti anotarisa avo vanogona kukwereta zvakasiyana maererano nezvavanoda, kuitira kuti vagare izvi, mazana eFICO maonero akasiyana uye kuverenga kuripo. Chikoro chenhamba chinobva pa300 kusvika ku850, uye 650-670 ichifungidzirwa kuguma kwe "zvakanaka" chikwereti chikoro uye zvidzidzo zvishoma zvichiratidza kuti zvinowedzera kubhadhara chikwereti.
Kuva nezvinhu zvakawanda zvisina kunaka, zvikwereti zvishoma kana kuti zvimwe chikwereti chinenge chisina kukwana purogiramu yako yechikwereti zvinogona kunge chinokonzera kukwidziridzwa kwechikwereti. Kana iwe wakanga uine nhamba dzakatumirwa kusangano rekuunganidza , rakadai sezvipo zvekurapa zvisina kubhadhara, sangano rinounganidza rinogona kurondedzera kukanganisa kwako kune zvikwereti zvekwereti kunyange kana chipatara chisingaiti.
Chikwereti chakaipa chinowanzoitika kana vanhu vachipfuura nechinzvimbo chakashata mari, zvichiita kuti zviitiko zvakawanda zvisakanganise munguva shomanana zvakadai sekubhadhara zviyero zvakakwirira munguva pfupi pamakadhi emarikiti, kuisa mari kana kupisa motokari. Zvimwe zviitiko zvisingadi zvinongoda kuitika kamwe chete, zvakadai sedare rekusungira kana kutengesa kwemazimba, kuita kuti vateresi vanetseke nekushanda newe.
Kuparara Kubva Mukushata Kwakakosha
Kana uchinge uine chikwereti chakashata, vateresi havakwanisi kukukweretesa nekuda kwehuwandu hwehuwandu hwekuti iwe unogona kuwira kumashure pane chero kechikwereti chekwereti chekwereti kana maakaiti ezvikwereti. Iwe unogona kuwana zvose zvese zvinokumbira zvikwereti zvechikwereti, kana kana iwe ukabvumirwa, iwe ungangodaro unowana chikwata chapamusoro chekuda kune vakwereta vane zvikwereti zvakanaka zvekwereti . Iko kuwedzerwa kwechirwere chekuda iyo ndiyo nzira yekweretesa yekuzvidzivirira pachavo pangozi yekukubhadhara mari kwauri.
Chikwereti chakaipa chinosanganisa kupfuura kungoita kadhi rako rechikwereti uye kubvumirwa kwemari chikwereti uye chido chekuda .
Mamwe makambani emishuwarisi anofunga nezvekwereti yako purogiramu paanokutaurira iwe kuverenga kusina . Utility uye vatengesi vefoni vanowanzopa mari yekuchengetedza mari kune avo vanoita mari vasina chikwereti. Varidzi venyika vangada mari yepamusoro yekuchengetedza kana mune chikwereti chakashata, kana kuti vangaita kuti iwe uende kubvumirano kana chibvumirano chekurenda zvachose.
Tarisa Zvaunofunga uye FICO Zvikoro
Kana iwe pachako uchigara pamusoro pehupfumi hwako, unogona kuva nepfungwa yakanaka yekuti chikwereti chako chikoro chinowira. Iwe unoziva kana iwe wakanonoka pane zvikwereti zvekukwereta munguva pfupi yapfuura, kana kuti uve nezvikwereti zvekadhi rechikwereti zvinopfuura 30 kubva muzana yemari yako iripo. Kana iwe munguva pfupi uchangobva kubhadhara zvikwereti zvekwereti, kadhi yako yekwereti yekwereti inowedzera kana kuti kadikiti yako yakabhadhara yakaderedza chikwereti chako, tora zvinhu izvi sechiratidzo chokuti chikwereti chako chikoro chiri munzira.
Tsvaga FICO yako chikwereti chikoro uye uwane kopi yemashoko chaiwo akataurwa pamusoro pekodha rako rekwereti. Unogona kuwana kuti imwe yezvikwereti zvekwereti haina kunyora kambani ine mari yakanaka yekubhadhara, kana iwe ungatowana zvikanganiso zvakaderedza chikwereti chako chikoro pasina. Iwe unogona kuwana kopi imwe yepachena yepoti yako yechikwereti gore roga roga kubva pane imwe neimwe yezvikwereti zvitatu zvemari , TransUnion, Equifax, uye Experian.
Kuongorora chikwata chako chekwereti kuchakubatsira kuti uzive zvinokonzera chikwereti chako chikoro. I Federal Trade Commission (FTC) yakabvumira webhusaiti imwe chete, AnnualCreditReport.com, kuti ipe mhinduro idzi. Iwe unogonawo kuwana zvikwereti zvisingabhadhari zvehuwandu hweFICO yako nekunyora chimwe chezvikwereti zvakawanda zvekuona zvikwereti. Vakawanda vavo vanopa nhoroondo yekutanga neFICO zvikwereti kubva kune imwe kana mbiri yezvikwereti zvitatu zvekwereti pasina mutero. Iwe haufaniri kushandisa mari kuti uwane chinokonzera chikwereti chako chakaipa. Zvizhinji zvemasayiti aya anewo chikwereti chikoro simulators, chinokuratidza kuti chikwereti chako chekwereti chinogona kuenderera mberi kana kuderera nekubhadhara pasi maakaunti, kuzarura maakaunti matsva nezvimwe zvinoshanduka.
Tora Matanho Okugadzirisa Dzakaipa Kwazvo
Chikwereti chakaipa hachifaniri kutora nokusingaperi. Iwe unogona kutora matanho ekuvandudza chikwereti chako chekwereti pane nguva. Chokutanga, funga nezvekubvisa ruzivo rwakashata kubva kumushumo wekwereti kana kushandisa sangano rekwereti yekwereti kana kuti nzira yakakodzera yekugadzira chikwereti . Uyewo, kukanganiswa kwezvimwe zviratidzo zvisina kunaka pamushumo wekwereti yako kuderedza nguva, naizvozvo dzimwe nguva zvose zvaunofanirwa kuita ndezvokumirira zvinhu. Tarisa kuwedzera huwandu hwemashoko kumhorodha wako wehupfumi kuburikidza nekuwedzera kero idzva uye nguva dzose uchibhadhara panguva.