Usashamiswa Nekwereti Chikamu Chishanduko
Sezvo chikwereti chako chikoro chakakonzerwa zvakananga pamushumo wekwereti , zvinonzwisisika kuti chikwereti chako chikoro chinogona kuchinja sezvinowanzoita mari yako yeruzhinji.
Kuwana chinhu ichocho kana zvinhu zvakakonzera chikwereti chako chikwanganiso kutama kungave chakaoma.
Credit Scoring Background
Chikwereti chako chikwanganiso chiri nhepfenyuro yenhamba ye data yako yekwereti yemarikiti, asi yakabva pane chinyorwa chepoti rako rekwereti pane imwe pfungwa panguva. Dhidhiyo yemari yako yehupfumi inoshanduka nguva dzose sezvo mabhizimisi achivandudza ruzivo rwekodhe yako neyezvikwereti zvemari. Pane rimwe zuva rakapiwa, mumwe kana vazhinji vevako chikwereti vanga kutumira zvinyorwa zvepa credit bureaus. Minor chikwere chikoro chinoshandura chinowanzoratidza kungoita zvishoma kudhipatimho rako rekwereti, chimwe chinhu chiduku iwe ungasatombocherechedza.
Iwe unogona kuwona kuchinja kukuru mukwereti yako chikoro kana paive nekushandurwa kwakakura kumaakaunti ako. Semuenzaniso, kubhadhara kwekupedzisira kunogona kukonzera kudonha kunowanikwa mune chikwereti chako chikoro. Zvinonzwisisika naizvozvo, sezvo nhoroondo yako yekubhadhara ndeye 35% yemari yako chikoro.
Zvimwe zvinokonzera chikwereti chako chikoro ndezvenhenda yako, 30%; nguva yako yekwereti yemakore, 15%; kusanganiswa kweakaunti uye mibvunzo ichangopfuura, 10% imwe neimwe.
Kuziva kuti, apa pane zvimwe zvishoma zvinogona kuita kuti chikwereti chako chikwanise kuchinja zvakajeka: kutenga kukuru kwekadhi rechikwereti, kuzarura akaunti itsva, kana kuwedzerwa kwekodha yekuunganidza.
Chikwereti chako chikwanganiso chingawedzera, zvakare. Kuwedzera kwekubhadhara zvikwereti, kuderera mukwereti yako yekushandisa , kukwegura kwezvikwereti, kana kubviswa kwemashoko asina kunaka zvingaguma nekugadzirisa kwekwereti yako chikoro.
Kana iwe uri kuisa chikamu chechikwereti chekwereti, unofanirwa kuve nechokwadi kuti uri kutarisa chikwereti chimwechete chekwereti chinoshandiswa kubva kune rimwe rekwereti yemari. Paunenge uine zvikwereti zvitatu zvekwereti, pane zvikwereti zvisingabhadharwi zvikwereti zvinyorwa zvichienderana nemishumo. Iwe haugoni kuwana huwandu hwakanaka hwekuti chikwereti chako chikwangwani chiri kufamba sei kana uri kutarisa mimwe mitero yemarikiti kana mararamiro akasiyana-siyana.
Nzira yakanakisisa yekuona zvikwereti zvako zvekwereti kwenguva yakareba ndeyokushandisa imwechete chikwereti chikwereti kubva kubasa rimwechete nguva imwe neimwe. Nheyo dzakadai seCreditKarma.com uye CreditSesame.com dzinokupa pachena chikwereti chekodzero yekuongorora kuitira kuti uone nyore kutora chikwereti chenhamba.
Unofanira Kufunganya Here?
Kudukuka kwekwereti kechikwereti hachisi chinhu chikuru, kunyanya kana iwe usati waronga kuisa kadhi rechikwereti kana chikwereti chero nguva pfupi. Zvisinei, zvisingatarisirwi gonho guru mukukwereta kwekwereti yako rinofanirwa kuongororwa, kunyanya kana zvakadaro iwe uri kuronga chikumbiro chikuru chechikwereti mumavhiki anotevera kana mwedzi.
Dzokororai mushumo wenyu wechikwereti kuti muone izvo zvakachinjwa munguva pfupi. Une mubhadharo wekupedzisira wakange wawedzerwa here? Pane imwe yemari yako yechikwereti yakatemwa here? Yaiva nhoroondo yakavharwa here? Wakambokumbira chikwata chitsva here?
Chikwereti chako chikwanganiso chinogona kuregerera zvisingatarisirwi apo mamwe mashoko akaipa anowira pasi pehupoti yako yemari.
Iwe pachako unotarisira kuti chikwereti chako chikwerere panzvimbo yekuwa. Asi iwe unogona kunge wakatamira kune imwe chikwereti chekwereti, imwe apo iwe hausi kureva vamwe vashandi vakaita sawe. Ramba uchiita kuti kodzero iende uye chikamu chako chinofanira kuvandudza nekufamba kwenguva .
Kuchinja kusingatarisirwi mukwereti yako chikwanganiso kunogonawo kuva chiratidzo chekubiridzira kana kubatwa kwekuzivikanwa. Iva nechokwadi chokuti chero chekushandurwa kukuru kune ruzivo rwehupfumi yako ruzivo ndiko kuchinja kwawakaita. Taura nhoroondo dzekubiridzira kune chikwereti chekwereti uye mukwereti.