Chero pese bhizimisi rinotarisa mharidzo yako yekwereti, kubvunzurudzwa kunoiswa pahupoti yako ichicherechedza mwedzi negore mharidzo yako yekwereti yakaongororwa. Iko mari yechikwereti haisi kuchengetedza nhauriro yekubvunzurudza sekunakidza iwe kana mabhizinesi angaona bhizimisi rako rekwereti mune ramangwana. Chaizvoizvo, Iko Fair Credit Reporting Act inoda mari yekuchengetedza chikwereti kuchengeta rekodhi yemabhizimisi anotarisa chikwereti chekwereti.
Paunotarisa chikwereti chako chekwereti , uchaona urongwa hwemibvunzo iyi kumagumo ehupoti yako yekwereti.
Kunyange zvazvo mibvunzo yose ichioneka mune zvakanyorwa pamwe chete, kune marudzi maviri ehupfumi yemibvunzo yekwereti: mibvunzo yakaoma uye mibvunzo yakadzikama.
Chii chinonzi Soft Inquiry?
Iwe unogona kushamisika kuona mibvunzo kubva kumabhizimisi ayo asina kumbokumbira chikwereti nacho. Vamwe vangatova mabhizimisi ausati ambonzwa. Usakanganise; izvi zvingangodaro mibvunzo yakadzika uye haisi yakakomba sezvamungafunga.
Kubvunzurudza, dzimwe nguva kunonzi sekutora zvishoma, kunoitwa pamushumo wako wechikwereti pose paunotarisa chikwereti chako chekwereti, bhizinesi rinoongorora chikwereti chako chekwereti kune zvinangwa zvekutsvaga, kana bhizinesi iwe unotova nekambani inotarisa chikwereti chako chekwereti. Semuenzaniso, kambani yekadhi yemakadhi ingakumbira mvumo yako yekwereti kuti asarudze kana angakutumira iwe chikwata chekadhi chekwereti chanotenderwa. Kunze kwezvikumbiro zvako zvekupa chikwereti chekwereti, mibvunzo yakadzika inoitwa pasina mvumo yako. Nenzira yakanaka, mibvunzo iyi yakaoma haibatsiri chikoro chako chekwereti zvisinei kuti vangani vadzo vanoonekwa.
Kubvunzisisa kwakaoma , kune rumwe rutivi, kunoiswa pahopoti yako yechikwereti chero bhizinesi richitarisa chikwereti chako chekwereti kuti chibvumire chikumbiro chako chekadhi rechikwereti, chikwereti kana zvimwe zvekubhadhara chikwereti. Kubvunzwa kwakaoma kunotora 10% yekwereti yako chikoro. Pavanenge vachigara pamushumo wenyu wechikwereti kwemakore maviri, mibvunzo yakaoma inongogadzirisa chikwereti chekwereti kwegore rimwechete.
Dzimwe nguva, bhizinesi richaongorora chikwereti chekwereti kune zvimwe zvikonzero pane kukupa chikwereti. Semuenzaniso, makambani emotokari ekurenda dzimwe nguva aongorore chikwereti kana iwe usingashandisi kadhi rechikwereti. Kana uine mibvunzo pamusoro pekuti kana kubvunzurudza kuchava kwakaoma kana kunyorera, unogona kukumbira kambani inodhonza mushumo wako wechikwereti. Iwe unoda kuderedza mibvunzo yakaoma kana uri kuedza kuchengetedza chikwereti chakanaka chekwereti uye kunyanya kana uri kuronga kushanda kune chikwereti chikuru munguva pfupi.
Nzira Dzakadzidza Inobvunzurudzwa Dzinokuitei Iwe
Iwe unotoziva kare kuti mibvunzo yakadzika haisati yakabatanidzwa mune chikwereti chako. Izvozvo zvinoreva kuti haufaniri kunetseka pamusoro pemibvunzo iyi inokubhadhara iwe unokosha mari yechikwereti. Apo vanokwanisa kukweretesa vanoongorora chinyorwa chako chekwereti, havazooni mibvunzo iri nyore. Pane kudaro, ivo chete vachaona mibvunzo yakaoma iyo yakaitwa apo iwe wakatanga chikumbiro chekwereti kana zvikwereti zvakabatsirika. Nhau dzakanaka ndeyokuti vose avo vasina kufungidzirwa vanoona kuti mune chikwereti chenhamba yako hazvirevi kukurwisa iwe kana yava nguva yokuti iwe usunge chikwereti.
Kana, zvakadaro, iwe unodhonza kopi yemhosva yako yekwereti uye unoipa bhizimisi kuti iongorore, mibvunzo yakadzika ichaonekwa sezvo ichine chikamu chako chekwereti chekwereti.