Chikwereti chako chikamu ndechimwe chezvikamu zvakakosha zvehupenyu hwako. Aya nhamba nhatu nhamba dzinoratidza chikwereti chako, kana mukana wekuti uchadzorera mari yawakwereta. Chikoro chikoro chinowanzobva pa300 kusvika ku850, uye chikwata chikuru chekwereti chiri chakanaka pane zvose.
Kubvira munaEpril 2017, 20.7 muzana yeAmerica vane maFICO mapeji anopfuura 800, maererano nemashoko kubva kuFICO. Izvi zvinokonzera rekodhi yepamusoro yezana yevanhu vane chikwereti chikoro kupfuura 800 uye correlates zvakananga kuderedza kuderera kwemari.
Kubva sezvo mari yekubhadhara inoita 35 muzana yekwereti scoring calculation, kune ukama hwakasimba pakati pechikwereti chakakura chekwereti uye mukana wakaderera wekutora nguva.
Makomborero e800 Credit Score
Saka chii chaunowana kuburikidza nekuva nekwereti yekwereti mazana mana? Icho chinhu chimwe chaunofanira kuedza here? Tarisa izvi zvitatu zvakabatsiro zvekutora chikwereti chekwereti 800.
Iwe unowanzoita kuti maitiro ako agamuchirwe . Yeuka kuti chikoro chikoro chinoratidza chikwereti chako. Pamwe chete nemamwe mazano ezvemari, chikwereti chako chikoro chinobatsira vanokweretesa vachifanotaura kana iwe uchadzorera mari yawakakwereta. Nokukwereta kwekwereti, vakakweretesi vanokuona sewe mukwereti asingakoshi uye iwe une mukana wakanaka wekubvumidzwa.
Iwe uchakwanisa kubhadharwa nehuwandu hwemari . Chikwereti chako chikwanganiso ndicho chinonyanya kugadzirisa muhodha yekutora kune zvikwereti . Kuva nezvikwereti zvekwereti zvitanhatu zvinokubvumira kuti uwane chikwereti chechibereko chepasi uye kuchengetedza zviuru zvemadhora pamusoro pehupenyu hwechikwereti chako.
Iwe uchaona zvakakosha zvikuru nezvikwereti zvakakura zvaunoripira kwenguva yakareba, kufanana nekutenga chikwereti nemari yemari.
Usabhadhara chikwereti paunotakura chikwereti chekadhi rechikwereti . Pasinei nechikwereti chekwereti, munhu wese anokwanisa kudzivisa kubhadhara kadhi rechikwereti kufarira pavanobhadhara chikwereti chekwereti chavo muchizere mwedzi mumwe nomumwe.
Kuva nezvikwereti zvekwereti mazana 800 zvinokubvumira kuti uwane chikwereti chekwereti iyo inopa 0 muzana yekutsvaga kwehuwandu pakutenga uye kuwedzerwa kweyeri. Kuva nechimwe chezvikwereti zvekwereti muchikwama chako chinokupa kushanduka kwekutakura chikwereti chekwereti chekwereti uye kuripa nguva yakareba apo uchidzivisa mari yemari pamari yako.
Mazano Okuvaka uye Kuchengetedza 800 Chikwereti Chikwereti
Izvo zvisingakwanisi 800 chikwereti chekwereti hachina kuchengetwa kune vanhu vanoita mari yakawanda kana kuti vane rumwe rudzi rwekodzero yakakosha nebazi rekukwereta. Chero ani anotora kutora chikwereti chavo zvakanaka anogona kusvika nekuchengetedza 800 chikwereti chikwereti. Heano mazano mashomanana.
Chengeta zvinhu zvose panguva . Nhoroondo yako yekubhadhara inoita chikamu chikuru chekwereti yako chikoro. Kunyanya panguva yekubhadhara nguva iwe pane yako rekwereti yemari, zviri nani kune chikwereti chako. Chengeta yako yose makadhi ako ekwereti uye chikwereti panguva kuitira kuti mubhadharo wako wekare usatambura.
Chengetedza zvikwereti zvako zvekadhi rechikwereti zvakanyanya kwazvo . Kazhinji kutaura, kuchengetedza zviyero zvako pasi pe30 muzana zvekwereti chikwereti zvakanakisisa kune chikwereti chako. Kana iwe uchida kusvika nekuchengetedza 800 chikwereti chekwereti, chinangwa chekuchengeta zvikwereti zvako zvekadhi rechikwereti kunyange zvakaderera kupfuura izvozvo. Vanhu vane zvikwereti zvikwereti zvinoshandiswa vanoshandisa pasi pe10 muzana yemukwereti wavo.
Pane kadhi rechikwereti rine $ 5,000 chikwereti chekwereti, somuenzaniso, chikamu chemadhora mazana mashanu kana zvishoma pane pfungwa yekuchengetedza zvikwereti zvakanakisisa zvekwereti.
Dzivisa zvikwereti zvakawanda zvekwereti . Nguva imwe neimwe paunoshandisa chikumbiro chinoda cheko chekwereti, kubvunzurudza kwakaoma kunowanikwa kune chikwereti chekwereti. Iyi mibvunzo yakaoma ndeye 10 muzana yemari yako chikwereti. Haisi yakawanda, asi inogona kuva musiyano pakati pe 800 ne780 zvichienderana nezvimwewo mashoko pamusoro pekwereti yako yechikwereti. Paunenge wakagadzirira kubhadhara chikwereti kana kadhi rechikwereti, ita basa rako rechikoro nguva isati yasvika kuitira kuti ugone kushanda kamwe chete uye usapinda mimwe mikuru yezvikwereti.
Chengetedza chikwereti chako uye ita nekukurumidza kujekesa zvikanganiso . Chikwereti chako chekwereti chero ipi zvayo pane imwe nguva yakabva pane zvinyorwa muhupoti yako yechikwereti panguva iyoyo nenguva. Izvi zvinoreva kuti iwe unogona kurasikirwa nekodzero yako yekwereti yekwereti kana pane kuchinja kukuru kwehupoti yako yechikwereti, kunyanya kukanganisa.
Ramba uchiona nezvekwereti yako ruzivo kuburikidza uchishandisa zvigadziriswa uye zvakabhadharwa-CreditKarma.com, CreditSesame.com, WalletHub.com, AnnualCreditReport.com, uye myFICO.com. Kana iwe ukaona zvikanganiso, shandisa mhizha yekwereti mhirizhonga kuti uvabvise pakarepo.
Rega ruzivo rwakashata rurege kubvisa chikwereti chako chemari . Iwe unogona kuva nenguva yakaoma kuwana chikamu chekwereti chekwereti 800 nekubhadhara kwekubhadhara kana zvimwe zvinhu zvisina kunaka pamushumo wekwereti yako. Nenzira, mhando dzakawanda dzeruzivo rwakashata dzichawa pamushumo wekwereti yako shure kwemakore manomwe. Kana iwe usingakwanisi kubvisa zvinhu zvisina kunaka nokuti zvakarurama, ingoita mwoyo murefu kwemakore mashomanana, ramba uchibhadhara zvinhu zvose panguva.
Mashoko akanaka ndeokuti vazhinji vanokweretesa vanotora 760 cutoff nokuda kwekwereti yakanakisisa. Uine chikwereti chekwereti pane iyo nhamba, uchawana zvizhinji zvezvikomborero zvakafanana semumwe munhu ane zvikwereti zvekwereti mazana 800. Iwe unongofanira kushanda zvakaoma zvishoma uye kumirira kwechinguva chiduku kana iwe uchidawo kodzero dzekuzvikudza.