Kuti udzidze nezvekwereti yako, zvinobatsira kunzwisisa chinyorwa chikuru uye wotopinda mune tsanangudzo yezvikwereti zvikwereti.
Credit Score Basics
Chikoro chikoro chakagadzirirwa kuita kuti zvikwereti zvive nyore kune vateresi.
Mabhandi nemakambani emakwereti vanoda kuziva kana iwe hausi wekukweretesa pachikwereti chako , saka vanotarisa kune yako yakwereta nhoroondo yezvinyorwa. Semuenzaniso, wakakwereta mari kare uye ukabudirira kubhadhara zvikwereti, kana wakangobva kurega kubhadhara zvikwereti zvakawanda?
Mukare, vateresi vaifanira kuverenga pamabhuku enyu emari, izvo zvinosanganisira peji nepamusoro pezvenhoroondo nezvekukwereta kwako. Paunowana chikwereti, vateresi vanorondedzera basa renyu kune chikwereti chekwereti , uye ruzivo irworwo runosanganiswa mune zvikwereti zvekwereti. Kuverenga kuburikidza nemishumo iyo inopedza nguva, uye zviri nyore kukanganwa mashoko anokosha.
Nechikwereti chikoro, purogiramu yemakombiyuta inoverenga izvochete ruzivo uye inoparadzira chikwata-nhamba iri nyore iyo vatengi vanogona kushandisa kuti vaongorore kuti mungazobhadhara sei. Panzvimbo pokupedza maminetsi makumi maviri pamunhu anenge apedza chikwereti, zvikoro zvinotora zvishoma kudhura.
Chikoro chikoro chinogona kubatsirawo kune vakwereta.
Vatengesi havakwanisi kushandisa masimba ekutonga kana zvikwereti zvichitiudza zvakawanda zvavanoda kuziva. Zvikoro hazviiti (kana kuti hazvifanirwe) kusarura zvichienderana nemaitiro aunoita kana kuti iwe unoita sei.
Aina dzezvikoro
Iwe une zvikwereti zvizhinji zvekwereti. Pamusana pemaitiro ose ekucherechedza akave akagadzirwa, iwe unenge uine chikamu chimwe chete.
Vanhu vazhinji vanotaura kune FICO chikwereti chikwereti pakutaura pamusoro pezvikoro, asi une zvikamu zvakasiyana-siyana zveFICO - chimwe chezvikwereti zvekwereti - pamwe nemamwe marudzi ezvikwata. Paunenge uchitaura nezvekwereti yako, zvakakosha kuti unzwisise zvakananga kuti ndeapi mapeji ari kushandiswa.
Nenzira, chikwata cheFICO ndicho chikamu chakakurumbira chinoshandiswa kune zvikwereti zvakakosha semusha uye nemari yemari. Zvisinei, izvo zvishoma nezvishoma zvinoshanduka. Hazvina mhosva kuti iwe unoshandisa zvipi, mhando dzakawanda dziri kutsvaga zvimwe kana zvishoma zvinhu zvakafanana: dzinoda kufanotaura kana iwe uchida kubhadhara zvikwereti zvako nenguva .
Iko FICO chikwereti chikoro chinotarisa kuti iwe une chikwereti chakawanda sei, chawakabhadhara sei munguva yakapfuura, uye nezvimwe. Zvikamu zvinowira chero kupi zvako pakati pe300 ne850 uye zvinoumbwa nezvikamu zvinotevera :
- 35% Nhoroondo yekubhadhara - wakambosara mari kana kusakirwa pamabhadhara?
- 30% Zvikwereti zvinokweretwa - iwe une chikwereti chakadii ( uye iwe wakaneta kunze )?
- 15% Kureba Kwekwereti - kuri kukwereta chitsva kwauri here?
- 10% New Credit - wati waisa zvikwereti zvakawanda munguva yapfuura yapfuura here?
- 10% Rudzi rweKukwereta - une mukana wakanaka wemhando dzakasiyana-siyana dzechikwereti (motokari, kumba, makadhi emakadhi, nevamwe)?
Zvimwe chikwereti chikwereti chikoro chinowanzobva pane mamwe mashoko akafanana. Asi vamwe vanhu havana nhoroondo yekukwereta - zvichida uri muduku, kana iwe hauna kumbobvira wakwereta.
Zvitsva "mamwe maitiro" chikwereti chikoro chinotarisa kune mamwe magwaro ezvinyorwa, zvakadai sokuti kana iwe usingabhadhari zvikwereti zvako panguva (kusanganisira mabhizimusi ehurumende, kubhadhara, nezvimwe).
Dzimwe mhando dzezvikoro zvakare. Vangashandisa kusanganisa kwemashoko kubva kumakero emarikiti uye zvimwe zvinyorwa. Somuenzaniso, vateresi dzimwe nguva vanovaka "zvikwata zvekushandiswa" zvinoshandiswa zvinoshandisa ruzivo rwaunopa mukopo rako rekukweretesa (mari yako kana kuti nguva yeimba yako ikozvino inogona kushandiswa).
Mashoko Nezvaunowana
Unogona sei kuziva kuti chikwereti chako chikoro ndechipi, uye chii chiri mumakero ako emari?
Zvikwereti zvekwereti zvisingabhadharwi zvinowanikwa kune vese vese vemuUnited States pasi pemutemo wemutemo Kuti uwane ruzivo rwako kubva kune matare matatu makuru makuru ekubhadhara chikwereti (TransUnion, Equifax, uye Experian), shanya AnnualCreditReport.com. Yeuka kuti zvikoro zvako zvakabva pane zvinyorwa mumakoriti ako emari.
Kana zvikwereti zvemari yako zvichiita zvakanaka, zvikoro zvako zvichave zvakakwirira.
Zvikwereti zvekwereti zvakasununguka zvakaoma kuuya, asi pane nzira dzakawanda dzekuwana zvikoro zvisingabhadharwi . Bvunza iwe chikwereti chako kune chikwereti chako chero nguva iwe unobhadhara chikwereti, uye ona kana bhangi rako kana kambani yekwereti yekwereti inopa zvikoro zvisingabhadharwi. Ngwarira mawebsite anotengesa ruzivo rusununguko - vamwe vavo vanopa "zvisina kufanira" zvikoro (izvo zvingave zvichibatsira) uye vamwe vari kupesana.
Kubvumirwa
Chikwereti chikamu usasarudza kana kana kwete chikumbiro chako chechikwereti chinogamuchirwa. Iyo inongova nhamba inokonzerwa nemari yako yekwereti (kana imwe chikwereti scoring model). Mutengi wako anopa mitemo yekuti chikwereti chikamu chinogamuchirwa uye chinogadzirisa chisarudzo chekupedzisira. Kana ukasarudza kurarama hupenyu husina chikwereti , hauzove nekodhi yemakore kana chikwereti chikoro chezvikoro (asi zvingave zvakakosha).
Kuvandudza zvikwereti zvako zvekwereti, unofanirwa kuratidza kuti uri muchengeti, ane chikwereti anokwereta uyo angangodzokorora panguva. Kana iwe ukavaka zvikwereti zvako zvekwereti nemashoko akanaka , chikoro chako chikoro chichatevera. Zvinotora nguva, asi zvinogoneka.
Dzimwe nguva mushumo wenyu wechikwereti une zvikanganiso. Kana izvi zvichiitika, iwe unogona kurasikirwa nemikana yaunofanirwa. Zvakakosha kuti iwe uwane zvikanganiso izvozvo kururamiswa kana mumwe munhu achikumbira nezvekwereti yako. Izvi zvinotyisa asi zvakakodzera kukosha nguva yako. Nokuda kwekugadzirisa nguva-nguva (apo urikukumbira mari yekutenga uye kutenga imba), kuchengetedza nokukurumidza kunogona kuita kuti zvikoro zvako zviwedzere mumazuva mashoma .