Uye vamwe vane tsananguro yokuti kuongorora chikwereti chavo chikamu chichakanganisa chikwereti chavo. Nenzira yakanaka, chero bedzi iwe uchishandisa chikwereti chebasa rekubhadhara kuti uone chikwereti chako chikoro , chikwereti chako hachizogadziriswa.
Zvikonzero Zvinomwe Zvokuongorora Chikwereti Chakwereta Nguva dzose
Kuenda pasina kutarisa chikwereti chako chikoro, kana kuchitarisisa makore ose mashoma, hazvina kukwana. Kuti uve nekutonga pamusoro pekwereti yako uye hupenyu hwako hwemari, unofanira kutora chikwereti chako chikoro nguva dzose. Heano zvikonzero zvishoma nei uchidaro.
Ziva paunomira . Chikwereti chako chikamu chikamu chinokosha chehutano hwako hwehutano. Kurega kukwereta kwako chikwereti kungangokuvadza nekusazvidza chero chikamu chehutano hwako. Zvingave zvakanaka kana zvakaipa, zviri nani kuziva chikwereti chako chikwereti pane kusaziva kuti chikwereti chako chinomirirei. Mashoko akanaka ndeokuti kunyange kana maronda ako akaipa, unogona kutora matanho ekuvandudza . Kana, kana chikwereti chako chakanaka, iwe unogona kuisa pfungwa pakuchengetedza.
Chengetedza chikwereti chako chakanaka . Kuchikoro, unogona kuregeredza basa rako rechikoro kwemavhiki, ipapo cram kuti uedze uye iite iyo. Chikoro chikoro hachishandi saizvozvo. Kana iwe une chikwata chinouya, haugoni kuwana chikwereti chako chikwangwani chakagadzirira kwemazuva mashoma. Pane kudaro, zvinotora mwedzi, makore kunyange kuvaka chikwata chechikwereti.
Kuchengeta chikoro chako chekwereti kunoita kuti iwe uchengetedze chikwereti chako uye kunoita kuti iwe uwedzere kuzvidavirira pakuchengeta chikwereti chako chikwereti pane zvakanakisisa.
Ita kuti chokwadi chako chekwereti chakarurama . Chikwereti chako chikwanganiso chinoratidzira ruzivo rwemukwereti wako wechikwereti. Kuchengeta chikwereti chako chikwereti kunogona kukupa chiratidzo chekuti chikwereti chako chekwereti chakarurama. Kana chikwereti chako chikoro chiri pasi kudarika iwe unotarisira, chinogona kuva chiratidzo chokuti mhorodhi wako wekwereti une zvikanganiso zvinoda kupikiswa nemabhadharo ebhadhara .
Iwe haungashamisi nemigumisiro yezvaunoshandisa . Kana usina kutarisa chikwereti chako chikwereti usati waisa muzvigadziro, iwe unogona kuporeswa nekuramba kana kuti zvinyorwa zvishoma kudarika zvaunotarisira. Zvisinei, kuziva apo chikwereti chako chinokonzera iwe kuti zvigone kuitika-kunyange zvisingadi zvishoma.
Wana njere pane zviito zvipi zvinokuvadza uye kubatsira chikwereti chako chikoro . Sezvaunoona chikwereti chako chikwereti, unogona kuona kuti zviito zvako zvemari zvinokanganisa sei chikwereti chako. Semuenzaniso, unogona kuona kuti kubhadhara chikwereti kana kuzarura kadhi kadhi rechikwereti kuchakanganisa yako chikwereti. Kana wakaziva kuti zvimwe zviito zvinokanganisa sei chikwereti chako, iwe uchaziva chii chaunofanira kudzivisa mberi kwekushanda kukuru kwechikwereti.
Pindura kuchinja nokukurumidza . Kuongorora chikwereti chako chikoro chinokuudza nguva dzose nezvekuchinja kune chikwereti chako chikoro nokukurumidza. Kana chikwereti chako chikoro chikawa, unogona kushandisa ruzivo mumushandi wako wekwereti kuti uone kuti chii chingave chakakonzera kuchinja. Zvadaro, unogona kutora matanho ekudzorera zvikwereti zvekwereti iwe wakarasika.
Ziva apo iwe ungakwanisa kubhadhara zviri nani pakadhi yemarikiti . Sezvo chikwereti chako chikoro chiri nani, iwe une mukana wakanaka wekubvumirwa kune makadhi emakwereti ane mhindu yemari yemari, mibairo, kana zvimwe zvinowanikwa. Kana, iwe unogona kushandisa rakasimba chikwereti chikwata (uye zviri nani pane kadhi rechikwereti) se chipinja chekugadzirira kuti akumbire kuti ikozvino kadhi rechikwereti rakabudisa zvido zvako. Kana kadhi yako yekubhadhara chikwereti isabvumirana kuderedza chidimbu chako, funga kushanda kwe 0% yemari kutumira chikwereti chekwereti-chikwata chakanaka chikwereti chichavandudza mikana yako yekukodzera.
Ndekupi Kwatinoona Chero Chikwereti Chako
Pane nzira dzakawanda dzaunogona kutarisa chikwereti chako chikwereti pasina. Kana iwe uchida kutarisa chikwereti chako chikoro nguva dzose, kushandiswa kwebasa rekusununguka ndiyo nzira yakanakisisa.
Zvinyorwa kune CreditKarma.com uye CreditSesame.com. Iwe uchakwanisa kuona TransUnion yako uye Experian chikoro chikoro nguva dzose.
Bhengi yako inogona kupa sangano rekuongorora chikwereti rinopa mhinduro dzisingabhadhari kune imwe yezvikwereti zvako chikwereti. Tarisa nebhangi rako kana kuti kadhi rechikwereti kuti uwane kuti ndezvipi mazano aripo. Kana, kana kadhi yako yekwereti chikamu chikamu chepurogiramu itsva yeFICO Open Access, uchagamuchira kopi yepikisi yeFICO yako chikwata nechirevo chega chega pamwe chete nezvinhu zvikuru zvinokonzera chikoro chako. Chikwereti nemakadhi eFICO akasununguka anosanganisira: Tsvaga, Chase, Bank of America, Barclaycard, Commerce Bank, American Express, First Bankcard, uye Walmart kadhi rechikwereti.
Iwe unogonawo kutenga chikwereti chako chikoro kuburikidza nemakambani makuru emakwereti: Equifax, Experian, uye TransUnion kana kuburikidza ne myFICO.com. Rimwe nerimwe remabhizimisi aya rinopa rubatsiro rwekubhadhara chikwereti chaunogona kubhadhara pamwedzi.
Iwe kazhinji Unofanira kuongorora sei Chikwereti Chakwereti
Chikwereti chako chikwanganiso chinogona kuchinja kakawanda sezuva nezuva, zvichienderana nekuti kanowanikwa sei ruzivo mumugumo wako wekwereti. Chikwereti chaKarma chinokupa iwe nekuvandudza kwezuva nezuva kune chikwereti chako chikoro kana uchida kutevera chikwereti chako chekwereti kazhinji. Kana uri kuronga kutenga imba kana motokari nokukurumidza, kutarisa chikwereti chako chikoro kakawanda chichakubatsira iwe kugadzirira. Kana zvisina kudaro, kutarisa chikwereti chako chikoro pane imwe nguva kusvika pamwedzi kusvika pamwedzi zvakakwana.
Yeuka kuti chikwereti chako chikamu chiverengero chinoratidza ruzivo rwemurairo wako wechikwereti pane imwe nguva panguva. Kuti uchinje chikwereti chako chikamu, iwe unofanira kuchinja ruzivo rwepfungwa pamusoro pehupoti yako yekwereti nemaitiro akanaka ekubhadhara uye kubhadhara. Vazhinji mari yechikwereti vanopa, kunyange vakasununguka, vachakupai tsanangudzo yepamusoro pamusoro pezvinhu zvinokonzera chikwereti chekwereti. Iwe unogona kushandisa ruzivo urwu kuti usarudze zvaungaita kuti uvandudze maranho ako.
Sezvaunocherechedza chikoro chako chekwereti kazhinji, iwe uchaona chikwereti chako chikoro chichifamba uye ichidzika, dzimwe nguva kakawanda sezuva nezuva. Kunze kwekuti iwe chikwereti chikwereti madonhesi zvakanyanya uye ugare ipapo, haufaniri kunetseka nezvekuchinja kune zvikwereti zvako.
Uyewo ona kuti chikwereti chako chikoro chinogona kunge chakasiyana pakati pevashandi vakasiyana-siyana, kunyanya kana ruzivo rwechikwereti rukakabva kune zvakasiyana-siyana zvikwereti. Izvi, zvakare, chikamu chinowanzo chikwereti chekwereti.
Uyewo yeuka zvikwereti zvikwereti zvemibvunzo kubvunza kana iwe uri kurega.