Chengetedza Chikwereti Chako Chikwereti Chakanaka
Mharidzo yako yechikwereti ine hupfumi hwehuwandu hwemari yako yezvemari uye zviito. Kana uine chikwereti kana zvikwereti, iyo maakaiti uye kuti iwe uribhadharira sei, zvinosanganiswa mubhuku rako rekwereti. Zvakakosha kudzokorora mharidzo yako yechikwereti kamwechete pagore kuitira kuti uzive zvinowanikwa nevatengi vako pamusoro pako. Kunzwisisa ripoti rako rechikwereti kunogona kuvhiringidza, kunyanya kana uri kuiverenga kokutanga.
Heano kuputsika kwemashoko emashoko ari munhoroondo yako.
Mashoko Evanhu Pamunhu Pamusoro Pokutora Musoro Wako
Mashoko ehunoga anowanikwa muhupoti yako anoshandiswa kukuzivisa iwe. Iine mashoko akadai sezita rako, kero, uye nzvimbo yebasa. Mazita adzo uye basa rinogona kuiswawo.
Hazvisi zvisingazivikanwi kuva nekusiyana kana kusapomerwa kwezita rako. Mahofisi akawanda ekubhadhara chikwereti anosiya kuchinja uku kuchengeta hukama pakati pekuzivikanwa kwako uye nezvekodzero yekwereti. Kuve nekusiyana kwakasiyana kwezita rako neateri yekare hazvingakuvadzi chikwereti chako chikoro chero bedzi chiri chokwadi chako. Chengetera chikamu ichi kuti uone kuti ruzivo rwemunhu arikukuzivisa iwe kwete mumwe munhu.
Your Credit Summary
Chikamu chechikwereti chechikwereti chemukomboti wako wekwereti inopfupisa ruzivo pamusoro pemhando dzakasiyana dzekodha dzaunazvo. Ichi chikamu chinonyora nhamba yezvikwereti zvaunenge uine pamwe nemari.
Inonyorawo nhamba yemakero emazuva ano uye anonyadzisa.
Ichabatanidza nhamba dzekutevera dzinotevera:
- Real Estate Accounts - Zvikwereti zvese zvaunazvo.
- Kuverenga Mazano - Chero kadhi rechikwereti uye mitsara yechikwereti .
- Mafareji Maakaiti - Chero zvikwereti zvisingabatanidzi kune zvivako, zvakadai sezvikwereti zvemotokari kana dzidzo.
- Dzimwe Nhoroondo - Nhoroondo dzakasiyana-siyana dzisingakanganisi mune dzimwe nzvimbo.
- Kuunganidza Maakaiti - Nhoroondo dzose dzakatumirwa kuzvikamu.
Nhepfenyuro yako yechikwereti ichapfupisawo nhamba yeakaunti dzawakazarura, dzakavharwa, mumabhuku ehurumende, uye nhamba yekubvunzwa kwakaitwa pamusoro pekwereti yako mukati memakore maviri apfuura.
Nhoroondo Yenyu Nhoroondo
Nhoroondo yezvakaitika chikamu chemugoti wako wekwereti ine huwandu hwemashoko. Ichi chikamu chinosanganisira chimwe chezvikwereti zvekwereti nemashoko pamusoro pekuti wakabhadhara sei.
Nhoroondo yako ye-akhawunti ichave yakanyatsotsanangurwa, asi zvakakosha kuti iwe uverenge kuburikidza nayo kuti uone kuti mashoko ari kunyatsotaurwa zvakanaka.
Nhoroondo imwe neimwe ichange iine zvikamu zvinyorwa zvemashoko:
- Creditor zita renzvimbo inozivisa iyo mashoko.
- Nhamba yeAkambani inosanganiswa nekambani. Nhamba yekambani inogona kunge yakaderedzwa kana kupfupika nokuda kwezvakavanzika.
- Nhoroondo yeAunti , kureva ebook inoshanduka, chikwereti chemari, chikwereti chemari.
- Mutoro . Izvi zvinoratidza kana iwe uri munhu mumwe chete, akabatana, kana kuti ane kodzero yemubhadhari wekodha.
- Mutero weMwedzi ndeyemari shoma iwe unofanirwa kubhadhara panhoroondo buri mwedzi.
- Zuva rakavhurwa . Mwedzi negore iyo nhoroondo yakasimbiswa.
- Zuva rakataurwa izuva rokupedzisira mukwereti akavandudza ruzivo rwekambani nekwerekiti chekwereti.
- Balance . Mari yakabhadhara paakaiti panguva iyo data yakataurwa.
- Chikwereti chikwereti kana chikwereti chemari .
- Kukwirira kwepamusoro kana chikwereti chakakwirira ndicho chikamu chapamusoro chakakambirwa pamakadhi echikwereti. Kune chikwereti chekwereti, chikwereti chikuru ndicho chikwereti chepakutanga chikwereti.
- Past due . Zvikamu zvakapfuura zvakakodzera panguva iyo data yakataurwa.
- Mashoko anotsanangurwa anowanikwa nemunhu ane chikwereti pamusoro peakaunti yako.
- Mamiriro ekubhadhara . Inoratidza huwandu hwekambani, kureva ikozvino, yakapfuura, yakadzingwa. Kunyange kana nhoroondo yako iripo, inogona kunge iine ruzivo pamusoro pezvakaitika kare.
- Payment history . Inoratidza chipo chako chekubhadhara pamwedzi kubva panguva iyo akaunti yako yakasimbiswa.
Nhoroondo dzekuunganidza dzinogona kuonekwa sechikamu chenhoroondo yebhuku kana muchikamu chakasiyana.
Iyo inowanikwa inoenderana nekambani inopa chikwata chako chekwereti.
Public Records
Zvinyorwa zvehuruzhinji zvinosanganisira mashoko akadai sekushungurudza , kutonga, mutero wemitero , nyika uye munyaya yedare remhosva, uye, mune dzimwe nyika, kutsigirwa kwevana kudarika. Zvichienderana nehuwandu hwekambani, ruzivo rwevanhu runogona kuramba riri pamutemo wako wekwereti pakati pemakore 7-10.
Chengetani zvakashata zvemari zvinowanikwa munharaunda ino, kwete kusungwa kwemhosva kana kutongwa. Nokuti zvinyorwa zvevanhu zvinogona kukuvadza zvakanyanya chikwereti chako, zvakanakisisa kuchengetedza chikamu ichi chakajeka.
Chikwereti Inquiries
Chikwereti mibvunzo inonyora mapoka ose akawana chikwereti chako chekwereti mumakore maviri apfuura. Kunyange zvazvo shanduro yako yekwereti yekwereti inotarisa mimwe mibvunzo yechikwereti , haisi yose yeiyi inowanikwa kune vatengi 'uye zvikwereti' shanduro.
- Mibvunzo chete "yakaoma" inoratidzwa kune vateresi. Aya mibvunzo inogadzirwa apo anokweretesa anoongorora chikwereti chako chekwereti kuti agamuchire chikwereti chako chekukwereta.
- Shanduro yako inosanganisirawo "zvinyoro" mibvunzo ine mibvunzo yakaitwa nevakweretesa zvinangwa zvekutsvaga.