Mazuva ano zvakaoma kuenda muupenyu kuburikidza pasina kutora chikwereti chiduku. Kunze kwekuti iwe uronga kuponesa zvakakwana kutenga imba nemari, mikana iwe unenge uchitsvaga kuwana chikwereti. Kana iwe uchifunga nezvekuenda kuchikoroji kana kutarisira mwana wako kuenda kuchikoro, unogona kunge uchida kuvimba nezvikwereti zvevadzidzi. Kukwereta mari inongova mari yekushandisa mari, asi kana isingashandiswi zvakanaka inogona kukonzera kukuvadza kupfuura kunaka. Kudzidza kushandiswa kwekwereti uye nguva yekutora chikwereti kuchakubatsira kuchengetedza mari yako zvakanaka.
01 Nzira Yokugadzirisa Sei Chikwereti
Kuti uite chikwereti chemari, iwe kazhinji unoda imwe yemhando yechikwereti. Mharidzo yako yechikwereti ichagadzirisa zvose zvechikwereti chako uye kubatsira vatengi kuti vaone kuti iwe unoshandisa sei chikwereti uye wobva waona kana kuti kwete kukukwereta mari. Asi chii chinoitika kana iwe usina chikwereti chenhoroondo? Iwe unoda kuisa chikwereti kuitira kuti vanokwereta vane chimwe chinhu chaunofanira kuenda kana iwe ukakumbira kubhadhara mari. Pane nzira dzakarurama uye nzira dzisina kunaka dzekugadzira chikwereti, naizvozvo ari murongwa wekubatsira kuti ubve pamakumbo akakodzera.
02 Yako FICO Credit Score
Yako FICO chikwereti chikoro ndiyo iyo nhamba yevatengi vanoshandisa kukurumidzira kubata zvishoma nezvekwereti yako yekwereti. Iyo inokunda chikamu chako, iwe unowedzera kuti iwe uchawana chikwereti uye yakanakisisa inhamba yemari. Nhau dzakaipa ndeyekuti zvikwereti zvako zvinogona kunge zvakakanganiswa nezvimwe zvinhu sezviri nyore sekubhadhara kwekupedzisira. Izvi zvinogona kukonzera pasi chikwereti chako chekwereti kwemakore uye kuita kuti zvive zvakaoma kuchengetedza mari. Dzidza kuti FICO yako chikamu chinosanganiswa uye sei iwe unogona kuchengetedza chikoro chako zvakakwirira sezvinobvira.
03 Kuvandudza Nhumba Yakaipa Chikwereti
Une chikwereti chakakosha chekwereti here? Usanetseka, iwe hausi woga. Nepo pasina magetsi kugadzirisa kuti pakarepo uvandudze chikwereti chako, pane mamwe matanho aungatora ayo achawana chikwereti chako kumashure. Dzidza kuti zvikamu zvei chikwereti chenhoroondo yako chinonyanya kukosha kuti uwane zvikwanganiso zvakanaka uye kuti ungavashandisa sei kuti uwane chikoro chako kumashure.
04 Nzira Yokuwana Nayo Mari Yaunogona Kubhadhara Mari
Mharidzo yako yechikwereti inoshandiswa kuunza chikoro chako chekwereti uye inoshandiswawo nevakweretesi kuti vaone kuti yakawanda yei chikwereti chekwereti iwe uri. Nhoroondo yako yechikwereti inokosha, saka iwe unofanirwa kuve nechokwadi chekutarisa gore negore kuti uone kuti hapana zvikanganiso uye zvose zvinotaridzika sezvazvakakodzera. Mashoko akanaka ndeokuti iwe unofanirwa kubhadhara chikwereti chebhadharo gore roga roga kubva kune imwe neimwe yezvikwereti zvitatu zvekwereti. Tsvaga kuti ungawana sei gwaro rako risina mari nhasi.
05 Tsvaga Mari Yokubhadhara Chikwereti
Kana mari yakaoma iyo inenge yakaita sokuti hapana chakasara kuisa kune iyo inowedzera chikwereti chekwereti chikwereti. Kunyange kana iwe uchinzwa sokuti iwe uri kurarama mubhadharo kuti ubhadhara pane mari mubhajheti yako iyo inogona kushandiswa kukurumidza kukweretesa chikwereti ichocho. Tsvaga kuti ungaona sei yakavanzwa mari iyo inogona kubatsira kubhadhara chikwereti chako munguva pfupi.
06 Kuita Kuti Zvive Zvakawanda Kuwedzera Kubhadharwa Kwishoma
Waiziva here kuti iwe uri kungoita mari shoma pane zvekwereti yako makadhi kuti zvingakutora iwe makore anopfuura gumi kuti uzvishandise uye uchikanda zviuru muzvikwereti zvisina kufanira zvemitengo? Chimwe chezvinhu zvekutanga zvaunogona kuita kuti uvandudze chikwereti chako mamiriro ezvinhu ndechokuputsa mari shoma yekubhadhara tsika.
Iko mari shoma inowanzowanzovhara mhosva yemari pamwe chete chikamu chiduku chemukuru. Iko kusanganiswa kunotungamirira kumakore emakwereti asingabhadharwi uye kufarira kukuru. Kana uchikwanisa kuputsa tsika shoma yekubhadhara uye unoshandisa zvishoma zvishoma pamitemo yako yemwedzi wekwereti yemari yechikwereti unogona kuva chikwereti chakasununguka muchikamu chiduku chenguva.
07 Kutsvaka Rubatsiro Pakutenga Uye Matambudziko Matambudziko
Kupararira kunogona kuva dambudziko rakakomba, uye haisi mhosva yako. Kune vanhu kunze uko vanogona kubatsira. Vanokwereta Anonymous isangano risina purogiramu rinogona kukubatsira nekuwana mari yako pasi pesimba. Kana iwe usingakwanisi kumira mhirizhonga kutenga uye kuramba uchizviendesa kune imwe chikwereti mune chikwereti, zvingava zvakakodzera kuti utaure nomumwe munhu. Dzidza kwaunogona kuenda kune rubatsiro uye shandisa mari yako pasi.