Iwe unogona kunge wakanzwa kana kuverenga izwi rokuti "creditworthiness" paunotsvakurudza makadhi echikwereti kana chikwereti. Chikwereti chechikwereti chinotora chikamu chakakura pakuita kuti maitiro ako agamuchirwe. Zita racho rinonzwika zvakanyanya-vanokwereta vari kutsanangura zvakakodzera kuti iwe uri chikwereti. Kunyanya kunyanya, izwi rokuti creditworthiness rinoshandiswa kurondedzera mukana wekuti uchasara pane chikwereti chekuita chikwereti.
Vanokweretesa Uye Vanokweretesa Vanoona Sei Kuti Vanokweretesa?
Ukweretwa kwako kunobva pane zvawakagadzirisa chikwereti uye zvikwereti zvezvikwereti kusvika pano.
Vanhu vane chikwereti vanogona kutaurira kuti wakachengetedza sei zvikwereti zvako zvekare zvekwereti kuburikidza nokutarisa mharidzo yako yekwereti , iyo inhoroondo yebasa pamakero ako ekwereti. Chikwereti mitsva inogona kuva yakawanda, dzimwe nguva kunyange mazana, mapeji akareba uye nguva yakawanda yekuti munhu aongororwe. Panzvimbo pokudzokorora mharidzo yako yakazara yechikwereti kuti uone kuti chikwereti chako, chikwereti nevakweretesi vanoshandisa zvikwereti zvikwereti , izvo zviyero zvakakosha zvekweretheni yako zvichienderana nehuwandu hwekwereti yekwereti.
Chikwereti chekwereti inhamba nhamba nhatu, kazhinji inenge iri pakati pe300 ne850. Iyo yakakwirira chikoro chako chekwereti, iyo inowedzera "creditworthy" iwe uri. Izvozvo zvinoreva kuti iwe unowanzokwanisa kubhadhara chikwereti chako pane zvenguva. Kana iwe uine chikwereti chakanaka, ivo vanowedzera chikwereti uye vanokweretesa vanoda kugamuchira zviyero zvenyu uye vanokupai muchero wekuderera .
Kakawanda sei iwe unobhadhara zvikwereti zvako pane imwe nguva ndicho chinhu chinonyanya kukanganisa chikwereti chako.
Nguva ichangobva kubhadhara mari uye mamwe mararamiro anogona kuita kuti iwe usanyanya kubhadharwa uye, sechigumisiro, kuita kuti zvive zvakaoma kuti ugone kugamuchirwa kwemakadhi emakadhi echikwereti uye zvikwereti.
Ukweretwa kwako kunobatanidzwawo nemari yemutoro wako. Kuva nezvikwereti zvekadhi rechikwereti, semuenzaniso, zvinogona kuita kuti zvive zvakaoma kuti zvibvumirano zvako zvibvumirwe.
Imwe nzira yakanakisisa yekutora chikwereti chako ndeyekuchengeta zvikwereti zvekadhi rako rechikwereti pasi pe30 muzana yemukwereti wechikwereti uye kubhadhara chikwereti chako chikwereti. Deredza zvido zvako zvitsva zvekwereti, chete kuisa zvinhu zvitsva sezvaunoda.
Chikwereti chakanaka pakati pevamwe vatengi uye vatengi
Chinokosha sechikwereti chinogona kupesana zvichienderana nerudzi rwekambani yaunenge uchikumbira. Kazhinji kutaura, iyo yakakura chikwereti chaunotora pane zvakanyanya chikwereti iwe unoda kuva. Semuenzaniso, vanhu vanotengesa chikwereti vane hutsika hwakanaka hwekwereta kune chikwereti chekwereti.
Iwe unogona kubvumirwa kune mamwe makadhi emakwereti ane chikamu chechikwereti chakaderera. Kune rumwe rutivi, iwe unogona kunge wakaoma nguva yekubvumirwa kuti uwane mari yekubhadhara mari kana chikwereti chemotokari nechechi chikwereti chechikwata.
Maitiro Aungaita Kuti Uvandudze Kubhadhara Kwako
Kuchengeta nheyo yekwereti yako chikamu ndiyo nzira yakanakisisa yokugara pamusoro pekwereti yako. Iwe unogona kutora chikwereti chako chikwereti nokuda kwekusununguka nekusayina kuKwere Karma, Credit Sesame, kana Wallet Hub. Iyi mazano anokupa kusvika kune chikwereti chako chikoro uyewo mazano ekuvandudza chikwereti chako chikoro uye yako creditworthiness.
Kana uri kuwana dambudziko kubvumidzwa kune maakaunti matsva, unogona kuwedzera yako creditworthiness.
Zvinonyanya kukosha, unofanirwa kuratidza kune vane chikwereti uye vanokweretesa kuti hausi pangozi yekuregererwa kwezvisungo zvitsva zvekwereti.
Tanga nekutarisira kwekodzero dzakapfuura nekuda kweizvi uye chikwereti chekuunganidza . Kana iwe uchikwanisa kutaurirana mubhadharo wekudzima, mukwereti wacho achabvisa kambani muchinjana chekubhadhara. Kunyange pasina mubhadharo wekuvhara, kubhadhara kambani ichakubatsira iwe chikwereti.
Gadzira nhoroondo yakanaka yekubhadhara kuburikidza nokubhadhara nguva yakakodzera pamaakaunti ako achienda mberi. Kana iwe usina chero mashizha akashanda, svhura, funga kuzarura kadhi rechikwereti rakachengetwa kuti uwedzere nhoroondo itsva kune repoti rekwereti. Sezvaunoita nguva yakakodzera kubhadhara kadhi rako rechikwereti, iwe uchavandudza chikwereti chako uye iwe unokwanisa kugamuchirwa kune mamwe makadhi emakwereti uye zvikwereti.
Iva nechido chekubhadhara chikwereti chakanyanya kubhadhara zvikwereti . Iwe unogona kukwanisa kugamuchirwa kuti uwane chikwereti kana mari yemari yako kunyange pasina chikwereti chakanaka kana iwe ukaita chikwereti chikuru.
Chimwe chikwereti chakanyanya kuderedza chinoderedza muwandu wehutengo uyo mutengi anofanira kutora.
Tsvaga cosigner . Kuva nemudzidzisi kunogonawo kuvandudza mararamiro ako ekugamuchirwa. Ndiyo kana ako cosigner ari chikwereti. Kana mumwe munhu ataura newe , vanobvumirana kuva nehanya nemari yekubhadhara kadhi rako rechikwereti kana chikwereti pose paunenge usingakwanise kuzvipa iwe pachako. Ngwarira kuti mumwe munhu atorere iwe-kuwira kumashure pamitero yako kuchachinja kero yako yekwereti uye yavo.
Kuramba uri pamusoro pekwereti yako chikwereti kunokosha kunyange kana iwe usina kadhi rechikwereti kana chikwata chemari chikwereti chinorongwa munguva iri mberi. Mamwe mabhizinesi akawanda, sefoni dzomutakure nhare yepa cable inopa, funga nezvekwerekiti yako, zvakare. Kuchengetedza chikwereti chako pane zvakanakisisa nguva dzose zvinoreva kuti haufaniri kunetseka apo bhizimisi rinofanira kutarisa chikwereti chako.