Chikwereti uye Chikwereti Kutarisira

by LaToya Irby

Nhungamiro Nhanho-Nhanho Yekugadzirisa Zvichemo Zvakaipa

Hazvitore zvakawanda kutora chikwereti chakaipa. Iwe unogona kukuvadza chikwereti chako maratiro usati waona kuti iwe unayo, kana usati waona kuti zvakakosha sei kuva nekodzero yakanaka yechikwereti.

Chikwereti chako chikwanganiso ndechekuratidzira kwawakaita sei zvido zvako zvemari. Yakavakirwa pane ruzivo rwakaziviswa kune mari yechikwereti nemakambani, sekukwereta kadhi rechikwereti nevakweretesi, une mari yezvemari.

Kana iwe wakabhadhara zvikwereti zvako nenguva uye wakachengetedza maakaunti ako nokuchenjera, iwe uchava nekodzero yakanaka yechikwereti. Asi, kana iwe wakaita zvikanganiso - sekutadza kubhadhara panguva kana kusabhadhara zvachose - iwe unopedzisira uine chikwereti chakaipa.

Kana iwe uine chikwereti chakaipa, iwe unoziva kuti unogona sei kuoma. Chikwereti chakaipa chinokonzera zvinhu zvakawanda zvakaoma, zvisingaiti, kana zvinodhura. Isu tose tinoziva kuti mabhenji anoongorora chikoro chikoro vasati vakupa kadhi rechikwereti kana chikwereti. Izvozvo zvinoreva nzira yekutenga imba kana motokari yakaoma kana iwe uine chikwereti chakaipa. Kunyange kukodha imba yakaoma pasina chikwereti chakanaka. Makambani eInishuwarenzi anowanzobhadhara chikwata chapamusoro chevatyairi vane maitiro akaipa echikwata. Vashandi vebasa rekushandisa vanotarisa chikwereti chako kuti uone kana iwe uchifanira kubhadhara kuchengetedza mari. Sezvo makore achifamba, urongwa hwekambani dzinoongorora chekwereti yako zvingangokura pane kukura.

Nei Tichifanira Kutsvaka Kugadzirisa Kwemari?

Hazvina mhosva kuti chikwereti chako chakaipa sei ikozvino, kukuvara hakusi kwekusingaperi. Chikwereti chinogadzirisa kuti iwe ugadzirise zvikanganiso zvinokuvadza chikwereti chako nekuvandudza chikwereti chako chikoro.

Kugadzirisa chikwereti chako kunokosha kuti uchengetedze mari painishuwarenzi, zvikwereti, uye makadhi emakadhi, asi haisiyo chikonzero chega chekugadzirisa chikwereti chako . Chikwereti chakanaka chinovhura mikana mitsva yebasa, kunyange kukurudzirwa uye kunomutsa nemushandi wako iye zvino. Kana iwe ukarota kutanga dhizinesi rako pachako kana kungoda kuchengeteka kuziva kuti unogona kukwereta mari kana uchida, iwe unofanira kugadzirisa chikwereti chako munguva pfupi kupfuura mberi.

Unogona Kugadzirisa Zvaunofambisa Here?

Iwe zvichida wakaona zviziviso zvekukwereta chikwereti pane terevhizheni, redhiyo, internet, kana kunyange kumativi emugwagwa. Mashoko akanaka ndeokuti haufaniri kubhadhara unyanzvi kugadzirisa chikwereti chako.

Iwe unogona kuita zvinhu zvimwe chetezvo kambani yekugadzirisa chikwereti inogona kuita, saka chengetedza mari nematambudziko ekuwana kambani ine mbiri uye kugadzirisa chikwereti chako iwe pachako.

Tanga Nekubhadhara Kwako Nyaya

Iwe usati watanga, unofanira kuziva zvaunoda kugadzirisa. Mharidzo yako yechikwereti ine mharidzo yose iri kuwedzera kune chikwereti chako chakaipa. Izvi zvingave zvakapfuura nekuda kwekodha, kuunganidza zvikwereti, zvikwereti zvekadhi chekwereti, kana zvinyorwa zvevanhu. Verenga kuburikidza nemuongorori wemari yako kuti uone zvinhu zvisina kunaka zvinokonzera chikwereti chako.

Tora Free Credit Report

Nomutemo, une kodzero yokusunungura mari yechikwereti kubva kune imwe neimwe yezvikwereti zvitatu zvebhengi gore rega rega. Uyu mushumo wekwereti wegore rega rega unowanika chete kuburikidza ne AnnualCreditReport.com. Iwe unogona zvakare kuronga nefoni kana tsamba kana zviri nyore.

Pane dzimwe mamiriro mashomanana apo iwe unofanirwa kubhadhara chikwereti chekubhadhara pachena:

Wakaiswa pasi nekuda kwekwereti nekuda kwechimwe chinhu pamushumo wekwereti yako mumazuva 60 ekupedzisira
Iwe ikozvino uri kugamuchira rubatsiro rwehurumende

Iwe hausi kushanda uye unoronga kutsvaga basa nokukurumidza
Iwe unofunga kuti wakambotambudzwa kadhi rechikwereti kana kubhakwa kwekuzivikanwa
Murairo wenyu wezvematongerwo enyika inokupa imwezve mari yemari yechikwereti yegore rega

Iyi mitsara yemari yechikwereti isinganzwisisiki inofanira kurongedzwa zvakananga kuburikidza nemabhadharo emari.

Kubhadhara Kubhadhara Kwako Musoro

Kana iwe wakatove wakashandisa mari yako yekwereti yepachena yegore rino, unogona kuraira zvikwereti zvako zvekwereti zvakananga kubva kumabhadharo ebhadharo kana myFICO.com pamutengo. Mahofisi aya anopa matatu-in-one chikwereti chekwereti inonyora zvose zvitatu zvezvikwereti zvekwereti kune rumwe rutivi. Iro matatu-in-one chikwata chekwereti inodhura zvinopfuura imwe yeripoti yemarikiti, asi pasi pemutengo wakabatanidzwa wokutenga iwe pachako zvikwereti zvekwereti.

Sei Tichifanira Kurayira Zvinhu Zvitatu Zvinyorwa Zvitengo?

Vamwe venyu vane chikwereti uye vanokweretesa vangangodaro vanongotaura kune imwe yezvikwereti zvekwereti. Uye, sezvo chikwereti chikwereti hachiwanzoparadzanisa ruzivo, zvinokwanisika kuva neruzivo rwakasiyana pane imwe yemashoko ako. Kurongedza mitezo yose mitatu kuchakupa maonero akazara nezvekodzero yako yekwereti uye kukubvumira kugadzirisa chikwereti chako pane zvivako zvitatu pane nzvimbo imwe chete.

Ongorora Zvinyorwa Zvako Zvekukwereta Kwezvikanganiso

Verenga zvikwereti zvekwereti zvakakwana, kutarisa zvinhu zvingave zvisina kururama. Zvinogona kunge zvakanyanya kufema, kunyanya kana uri kutarisa mharidzo yako yechikwereti kwekutanga. Tora nguva yako uye udzorere mharidzo yako yechikwereti kwemazuva mashoma kana iwe uchida.

Kuverenga Chikwereti Chine Chikamu

Iva neruzivo neruzivo mune imwe neimwe yemari yako yemarikiti. Pasinei nokuti iwe wakarayira zvikwereti zvako zvikwereti, zvese zvichava:

Nhoroondo yako yekuziva
Nhoroondo yakajeka yega yega yekodha dzako
Zvinyorwa zvevanhu vakawanda se bankruptcy uye mitero yemitero
Inobvunzwa kubva kumakambani akambotora chikwereti chako chekwereti

Kusarudza Zvinoda Zvokugadzirisa

Heino mhando dzemashoko aunoda kugadzirisa:

Mashoko asina kukodzera, kusanganisira nhoroondo dzisiri yako, mari iyo yakasarudzwa zvisiri izvo, nenguva.
Nhoroondo dzekare dzakadzingwa dzakapera, dzakapomerwa, kana dzakatumirwa kuzvikwata.
Yakagadziriswa panhoroondo dziri pasi pekwereti chikwereti.

Tsidzira kana kuvhara ruzivo rwemarudzi ose ehupenyu mumarudzi akasiyana-siyana kuti akubatsire kuita chirongwa chekugadzirisa chikwereti.

Iwe uchatora nzira yakasiyana yega yega yega ruzivo. Kujekesa mumarudzi akasiyana-siyana kuponesa nguva zvakare kuverenga chikwereti chako chekwereti nguva dzose iwe wagadzirira kubhadhara, kudana chikwereti, kana kutumira tsamba.

Kurwisana Nekwereta Chikwereti Zvikanganiso

Iwe une kodzero yekureva yakarurama chikwereti. Iwe unogona kukakavara chero ruzivo rwehumwe muhupoti yako yechikwereti isiri yakarurama, isina kukwana, kana iwe unotenda haigoni kuvimbiswa. Paunorayira chikwereti chako chekwereti, uchawana mirayiridzo yekuti ungapikisa sei ruzivo rwehupfumi yemashoko. Chikwereti mharidzo yakarayirwa paIndaneti chinowanzouya nemirayiridzo yekuita nharo paIndaneti, asi iwe unogonawo kugadzirisa pamusoro pefoni uye kuburikidza netsamba.

Nzira Yakanakisisa Yokugadzirisa Marikodzero

Kugutsikana paIndaneti kunokurumidza uye nyore, asi kunze kwezvikwangwani zvaunotora, hausi kuzove nepepa yepiritsi yekuita.

Kutumira nharo dzenyu nemishumo kune zvakakosha. Chokutanga, unogona kusanganisira uchapupu hunotsigira kukakavadzana kwako, somuenzaniso, chekuregererwa chekukuratidzira iwe wakaita mubhadharo nenguva. Iwe unogonawo kuchengetedza kopi yenhamba yakakavhiringidza yezvinyorwa zvako. Pakupedzisira, kana iwe uchitumira nharo yako nemavhidhiyo akachengetedzwa neyakiti yekugamuchira yakakumbirwa - iwe unofanirwa - iwe une uchapupu hwezuva rawakatumira nharo. Izvi zvakakosha nokuti zvikwereti zvekwereti zvine mazuva makumi matatu nemashanu kusvika makumi mashanu ekuongorora uye kupindura pamakakatanwa ako.

Iwe unogona kuguma uchitumira tsamba dzakasiyana-siyana. Chengetedza chikwereti chekwereti nharo yekateketeti pakombiyuta yako kuti iwe unogona kugadzirisa kukakavadzana kwakasiyana uye zvikwereti zvakasiyana zvekwereti. Izvi zvichakuchengetedza nguva nekukuchengetedza kubva pakunyorera tsamba itsva kubva panguva imwe neimwe.

Kutumira Nharo Dzako

Paunotumira nharo yako, iwe unogona kusanganisira kopi yemhosva yako yekwereti nechimwe chinhu iwe uri kukakavhiringidza uye ikopi (kwete yepakutanga) yehumwe uchapupu hwaunacho hunotsigira nharo yako.

Iva nechokwadi chokuti unosanganisira ruzivo rwakakwana pamusoro pemakakatanwa ako. Kana zvisina kudaro, chikwereti chekwereti chinogona kugadzirisa kukakavadzana kwako kwakanyanyisa uye kunononoka kutsvaga kukakavadzana kana kuvandudza mushumo wako wechikwereti.

Chero bedzi kana kukakavadzana kwako kuchikodzera, chikwangwani chekwerekiti chichaita upfumi. Kuongorora uku kunowanzova nyore sekumubvunza chikwereti kana ruzivo rwakarurama. Kana imwe nguva kupfupisa kwapera, vhesi yekwereti inokutumira mhinduro kumakakatanwa ako.

Chikwerero cheBumbiro Rakasiyana

Iwe unogona kutumira nharo dzako zvakananga kubhangi kana bhizinesi iyo yakaronga ruzivo pamusoro pekwereti yako yekwereti. Vane mvumo yemutemo yakafanana yekuongorora nharo yenyu uye kubvisa ruzivo rwakakwana, rwakakwana, kana rusingaverengeki kubva kumushumo wekwereti. Kupikisa zvakananga nehuwandu hwomugadziri hunokosha kune zvikanganiso izvo zvikwereti zvekwereti "zvinosimbisa" zvakarurama.

Chii Chinoitika Pashure Pekukonana

Kana kukakavadzana kuchibudirira uye gwaro rekwereti rako rakagadziriswa, hofisi ichaita shanduko, chengetedza imwe nzvimbo dzekubhadhara chikwereti, uye kukutumira kopi yakarongeka yepoti rekwereti yako.

Kune rumwe rutivi, kana chinhu chacho chisina kubviswa kubva kumushumo wekwereti, mushumo wako uchavandudzwa kuti uratidze kuti wakapopotedzana nemashoko uye iwe uchapiwa mukana wekuwedzera chirevo chako pachipato chako chekwereti. Zvitauriri zvako pachazvo hazvibatsiri yako chikwereti chikoro, asi chinogona kupa humwe ruzivo munharo yako apo bhizinesi rinongororesa yako rekwereti yemari.

Tackle Past For Accounts

Mari yekubhadhara inokanganisa chikwereti chako chekwereti kupfuura chero chimwe chimwe chinhu - zvikamu makumi matatu nezvikamu makumi matatu zvezvikamu zvako. Sezvo kubhadharwa kwemakore chikamu chakadai chikamu chikuru chekwereti yako chikoro, kuva nezviverengero zvakapfuura zvakakonzerwa nekuda kwekwereti rako rekwereti zvichakuvadza zvikuru chikoro chako. Kuchengeta izvi kwakakosha kugadzirisa chikwereti. Anoda kuti apfuure nokuda kwezvakanyorwa zvinonzi "ikozvino" kana kuti "yakabhadharwa."

Tsvaga ikozvino pamarekete akapfuura akakodzera, asi asati avharwa . Kuda -kure ndechimwe chezvinyorwa zvakanyanya zvakanyorwa uye zvinoitika kana kubhadhara kwako kwemazuva makumi mapfumbamwe akapfuura.

Nhoroondo dzinodarika asi mazuva masere kudarika makumi adarika anokwanisa kuponeswa kubva pakubhadharwa -kure kana iwe uchibhadhara chikwereti chakadarika chakafanira. Chenjerera, izvo zvinotevera shure kwako, zvakakwirira iwe kubhadhara kubhadhara kuchave.

Taura nemukwereti wako kuti akurukure zvaunogona kuita kuti uuye neakaunti yako ikozvino. Mukwereti wako angave achida kurega nguva dzekumhanho kana kuparadzira chikwereti chakadarika chekare pamusoro pemari shoma. Itai kuti vakuzive kuti une shungu yekudzivisa kukwereta-asi, asi unoda rubatsiro. Mukwereti wako angatove achida kubhadharazve account yako kuti aratidze mari yako seyezvino panzvimbo yekudarika, asi iwe unofanira kutaura chaizvo kune vako vane chikwereti kuti vataurirane.

Bhadhare zvikwereti zvatove zvarairwa-kuvharwa . Iwe unenge uine mhosva yebhadharo yemhosva. Sezvavanokura, mvumo yekupa mari inokuvadza chikwereti chako chikoro zvishomanana. Kunyange zvakadaro, chikamu chakakosha chichaita kuti zviome - uye dzimwe nguva hazvigoneki - kuti zvibvumirwe kune mvumo itsva uye zvikwereti. Chikamu chekugadzirisa chikwereti chako chinofanira kusanganisira kubhadhara mari-yega.

Kana iwe uchibhadhara chikwereti-chezere, chikwereti chako chekwereti chichavandudzwa kuti chiratidze $ 0 chikero uye chipo "Chengeteswa". Mamiriro ekupa mhosva achaenderera mberi kunziviswa kwemakore manomwe kubva pazuva rekubhadhara.

Imwe nzira ndeyekugadzirisa mitero-zvigadziriswa zvishoma kudarika zvepakutanga. Nekugadzirisa, munhu ane chikwereti anobvumirana kubvuma kubhadhara kwepasi uye kubvisa chikwereti chechikwereti. Mamiriro ekugadzirisa achaendesa kune chikwereti chako chekwereti uye uchagara kwemakore manomwe.

Iwe unogona kukwanisa kumubhadhara chikwereti kuti abvise mvumo yekupa mhosva-kubva kumushandi wako wekwereti pakuchinjana kubhadhara, asi izvi hazvisi nyore nyore kuita. Chinhu chakakosha ndechekubhadhara chikwereti chako-uye kana ukagona kuwana nzvimbo yakanaka yekambani, iri bhonasi yakawedzerwa.

Ngwarira makosheni ekuunganidza . Nhoroondo dzinotumirwa kusangano rinounganidza mushure mekunge vapomerwa-kuvharwa kana kuti vanodarika kwemwedzi inoverengeka. Kunyange nhoroondo dzisingawanzo dzakanyorwa pane yako rekwereti yemarikiti inogona kutumirwa kusangano rekuunganidza uye yakawedzerwa kune chikwereti chako.

Nzira yako yekubhadhara zvikwereti yakafanana neyoyo yekubhadhara mari, iwe unogona kubhadhara zvizere uye kunyange kuedza kuwana mubhadharo wekudzima kana iwe unokwanisa kugadzirisa rekodhi pasi peyero yakakodzera. Iko kuunganidzwa kuchagara pahupoti yako yechikwereti kwemakore manomwe zvichienderana nehutachiona hwepakutanga.

Cherechedza Zvakaitika Maererano Nhoroondo:

Uya neHigh High Credit Card Mienzaniso iri pasi pemiganhu yavo

Kushandisa kwako chikwereti - chiyero chinofananidza zvikwereti zvako zvekadhi rechikwereti kune chikwereti chemiganhu - ndicho chechipiri chikuru chinokanganisa chikwereti chako chekwereti. Ndiyo 30 muzana yepuro yako. Iyo inowedzera zviyero zvako, iyo inowedzera kunetsa chikwereti chako chikoro.

Kuva nehanya kunze kwemakadhi emakadhi kunotora chikwereti chakakosha chepakati. Bvisai makadhi emakadhi echikwereti pasi pechikwereti chekwereti, uye shandisai kubhadhara zviyero zvachose. Chikamu chekadhi rechikwereti pasi pe30 muzana chekwereti chikwereti zviri nani kune chikwereti chako. Pasi pe10 muzana yakanaka.

Nheyo dzekurima uye Your Credit Score

Izvo zvikwereti zvikwereti zvako zvekukweretesa zviri pamutengo wepakutanga wawakakwereta, kunyanya kunoshungurudza chikwereti chako chikwereti. Tarisa kutanga pakubhadhara pasi mibairo yekadhi rechikwereti kutanga nekuti vane zvakawanda zvinokonzera chikwereti chako. Zvadaro, kuderedza chikwereti chako chemari.

Zvekare Mavhesi Azvo Mavhesi Mavhesi

Iwe haungakwanisi kubhadhara pasi zviyero zvako uye rako rekare rekodhi dzekodhi zvose kamwechete. Tarisa kutanga pane zvinyorwa zviri pangozi yekupfuura nekuda kana kuregererwa. Tora dzakawanda zvezvenhoroondo idzi ikozvino sezvazvinogona. Zvose zvavo kana muchigona. Zvadaro, bhadhara pasi zvikwereti zvako zvekadhi rechikwereti. Chechitatu, shandisa maakare akatoti apiwa mhosva-kana kutumirwa kusangano rekuunganidza.

Tora Izvo Zvitsva

Mushure mekunge magadzirisa zvinhu zvisina kunaka pamushumo wekwereti yako, shanda pakuwana mashoko akanaka akawedzerwa. Kungofanana nekubhadhara kunonoka kunokonzera kukunda chikwereti chako, kubhadhara nguva yakakodzera kunobatsira wako chikoro. Kana iwe une dzimwe makadhi emakadhi uye zvikwereti zviri kuziviswa panguva, zvakanaka. Ramba uchichengetedza zviyero izvi pamwero unonzwisisika uye iwe ugare uchibhadhara nguva yako. Kana iwe usina kana yakazaruka, zvinyorwa zvemazuva ano, iwe unofanira kutanga nevezvitsva.

Kwatinofanira Kuwana Nhamba Ichangobva Kuwana

Kare kudarika kunogona kukuchengetedza kuti urege kugamuchirwa kwekadhi rakakura rechikwereti kuti udzikise zvikwereti zvako zvekadhi kadhikiti kune imwe, pane mbiri, kusvikira chikoro chako chekwereti chivandudzika. Izvi zvingaderedza zvichemo zvekwereti , izvo zvinowedzerwa kumurairi wako wechikwereti pose paunoita chigadziro chitsva chekwereti. Mimwe mibvunzo yakawanda yekwereti inokuvadza chikwereti chako chikoro uye kukwanisa kwako kugamuchirwa kwechikwereti chitsva. Mhinduro dzinoramba dziri pamushumo wechikwereti kwemakore maviri asi zvinongopedza chikwereti chako chikoro kwemwedzi gumi nembiri.

Kana iwe wakarambwa nokuda kwekadhi rakakura rechikwereti, edza kushanda kwekadhi rechikwereti chechikwereti chezvitoro. Kunyange zvakadaro hakuna ruzivo? Funga nezvekadhi rakagadziriswa rinodiwa kuti iwe uite kuchengeteka mari kuti uwane chikwereti chekwereti. Kuchengetedzwa kwemari kunoita kuti kadhi rakachengeteka rive rakaoma kuti riwane, asi kadhi yakachengeteka kubva kune guru rekugadzira mitambo iri nani kupfuura kadhi rechikwereti rekutengesa.

Shandisa Izvo Zvitsva kuti Ubatsire Chikwereti Chakwereta

Zvinomwe Kubhadhara Mazano Tips

Chengetedza mazano aya okugadzirisa chikwereti mupfungwa sezvaunoshandisa pakuwana chikwereti chiri nani chekwereti.

Shandisai zvamunokwanisa . Usabayira zvikwereti zviri muhumi hwakanaka kune nhoroondo dzisiri. Ramba uchiita zvikwereti zvenguva yakakodzera pane zvose zvako zvino.
Paridza kupopotedzana kwako kwenguva yakati . Kana iwe uchikakavadzana zvinhu zvakasiyana pamushumo wekwereti yako, ingoisa mhirizhonga imwe chete mumagwaro ose uye nzvimbo kubva mumakakatanwa ako. Chikwereti chinogona kunge chichifungidzira kukakavadzana kwakanyanya uye kuzviona sechinhu chisina kunaka.
Ngwarira kuvhara kadhi yemakadhi . Kazhinji kuvhara kadhi rechikwereti kubatsira chikwereti chako. Kutaura zvazviri, kupfigira kadhi rechikwereti kunowanzoita kuti utambudze chikwereti chako , kunyanya apo iyo nhoroondo ine chikero.
Dzidza kuti chii chinokuvadza chikwereti chako . Dzidza kuti zvinhu zvakakanganisa sei chikwereti chako kuitira kuti iwe unogona kudzivisa kuita zvikanganiso.
Chikwereti chako chikoro chinogona kuchinja . Chikwereti chako chikoro chinogona kudonha zvisingafungi sezvaunoenda kuburikidza nekugadzirisa chikwereti. Izvi hazvirevi kuti wakaita chimwe chinhu chakaipa. Ramba uchiwedzera mashoko akanaka kune mharidzo yako yekwereti uye chikwereti chako chikoro chichavandudza munguva.
Funga nezvekubhadhara chikwereti . Kana zvikwereti zvako zvakanyanya, vatengi havakwanisi kushanda newe, uye iwe haugone kuonekwa sekuuya nechirongwa chekubhadhara iwe pachako, mutengi wekubhadhara chikwereti isarudzo yekudzoka kumugwagwa.
Kana kubhadhara kusingadzivisiki, faira nokukurumidza pane kupfuura . Kana kuisa bhadharo ndiyo nzira chete yaunogona kudzokera nayo, usatora nguva pamaitiro asingashande. Ongorora kana iwe uchifanirwa kuisa bankruptcy mambakwedza kuitira kuti utange kutora hurongwa uye utange kuvakazve chikwereti chako uye hupenyu hwako.