Kudzora kushandiswa nekudzivirira kusakosha kwekadhi rechikwereti chikwereti zvechokwadi zvinotyisa zvinangwa. Kunyange zvakadaro, kunyange kana iwe uchida kuti haungatengi chikwereti mune ramangwana, izvo zvingasava zvechokwadi. Iwe unogona kunge wakavhuna tsika yekuraira chikafu chekudya kwekutengesa kana kushandisa kadhi rako rechikwereti kutenga zvitsva zvezvitsva zvisiri nyore, asi Zvakaoma kuchengetedza mari kutenga imba kana kunyange motokari.
Saka, kubhadhara kunokanganisa sei chikwereti chekwereti? Iko kunetseka kwakakodzera. Ngatitarisei zvinoitika kana iwe ukaisa.
Chii chinonzi FICO Scores?
Imwe yevatungamiri vatungamiri vemakadhi echikwata ndeye kambani inonzi Fair Isaac. Zvikoro zvakatarwa kushandiswa mazano uye zvigadziriswe zvakagadzirwa ne Fair Fair Company zvinonzi FICO zvikoro. Nzira yakanaka yaIsaka ndiyo chivako, zvinoreva kuti Fair Fair ndiye ane purogiramu uye haafaniri kupa chirevo ichocho kune ani zvake. Nemhaka yeizvi, dzimwe nguva zvakaoma kutsanangura kana kufanotaura kuti iyo kambani inotarisa chero chikwereti chekwereti.
FICO chikwereti chakabva kubva pasi kusvika pasi kusvika 300 kusvika kumusoro zvakasvika 850. Zvikwereti zvizhinji zvinokweretesa zvinotora chikwereti chikwereti che 720 kuti chive chakanaka.
Iko Fair Fair Company inoshandisa ruzivo rwaive muhupoti yako yechikwereti sezvakakosha zvekuverenga chikoro. Aya matatu masangano makuru ekubhadhara chikwereti, Equifax, Trans Union uye Experian, angave asina ruzivo rumwe chete, uye naizvozvo, chikwereti chako chikwanganiso chingave chakasiyana kubva kune rimwe sangano kuenda kune rimwe.
Kazhinji, kusiyana uku hakusi kudarika zvishoma.
Nokuda kwaIsaka Zvakanaka kuverenga chikwereti chekwereti zvachose, unofanirwa kunge uine kero imwechete yakave yakazarurwa mwedzi mitanhatu kana kupfuura, uye imwe nhoroondo iyo yakashumirwa kunzvimbo dzekwereti mumwedzi mitanhatu yapfuura.
Zvakanaka Isaka anoshandisa zvikamu zvakasiyana-siyana zvechikwereti ruzivo, zvose zvisina kunaka uye zvakanaka, kuverenga chikoro chako. Maererano nehuwandu hwezvinhu zvekambani, hezvino zvikamu zvekuti ruzivo rumwe rwemashoko hunoita kuti zvikwereke zvachose:
- Payment History: 35%
- Zvikwereti Zvinokweretwa: 30%
- Kureba Kwekwereti Nhoroondo: 15%
- New Credit: 10%
- Mitero yeChris In In Use: 10%
Kuti udzidze zvakawanda pamusoro pezvinoitika pakugadzirisa chikwereti chako chekwereti, ona Maitiro Ekuti FICO Zvikoro Zvako Zvakaverengwa.
Mamwe makambani anotengesa uye anopa zvikwereti zvikwereti zvichienderana nekuverenga kwawo, izvo zvingasiyana kune izvo zvakashandiswa Fair Fair.
Ko Kufungidzira Kunobatsira Sei Chikwereti Chako?
Mhando dzakawanda dzeruzivo rwakashata muhupoti yako yekwereti ichaita kuti chikwereti chako chikwanise. Kana iwe uri kunonoka kubhadhara kana kudarika kubhadhara, chikoro chako chicharatidza izvozvo. Kutakura chikwereti chakawanda chechikwereti kana tichienzaniswa nemuganhu wevaya nhoroondo kunogonawo kuva nyaya.
Usati wasvika pakuratidzirwa kwaunenge waisa pasi, iwe zvichida wakawana zvakaoma kubhadhara nguva dzose paakaunti dzako.
Iwe unogona kunge wakanyanyisa kana kuti yako yose makadhi emakadhi. Chero mamiriro ezvinhu achakuvadza zvakanyanya chikwereti chikwereti.
Zvakaoma kufanotaura chaizvo izvo zvikwereti zvako zvikwereti zvichaita mushure mekunge iwe uchinge wabhadhara mari yako. Zvakaipa sei chikwereti chako chikwangwani ndechekuti iwe paunofara hazviiti sekuti kune zvakawanda zvinoitika paunopedza. Kana iwe ukatanga kutsika, iwe uchabuda kubva ku bankruptcy pasi. Kana iwe ukatanga kukwirira, chikwata chako chichaderera zvakanyanya. Asi vanhu vazhinji vanotaura kuti vanopedzisira vanenge vanenge 550 sezvavanenge vachibuda kubhadhara, pasinei nokuti vanovamba nehuwandu hwepamusoro kana kuti kwete-so-high-score.
Kubvisa uye Future Future Decisions
Nheyo yevakawanda, zvisinei, haisi iyo inokonzera kubhadhara ichave pamusoro pekwereti chikoro. Ndiyo mhinduro iyo kufungidzira kusinganisa kuchava nechechikwereti chisarudzo munguva yemberi.
Kunyange pasina chikwereti chemarikiti, kuti kubhadharwa kunoonekwa pamushumo wechikwereti zvachose kuchaita kuti zvikwereti zvakawanda zvikwanise kutora chikwereti chero bedzi kuiswa kwacho kuchioneka, izvo zvinogona kuva kwemakore gumi.
Iko kune mashoko akanaka netarisiro yenguva yemberi. Vanhu vazhinji vanowedzera kubhadhara zvakare vanotaura kuti kana vakangwarira mukuedza kwavo kuvakazve chikwereti chavo, musatora chikwereti chakawandisa nokukurumidza, uye kunyatsoripira zvikwereti zvavo nenguva nguva dzose, zvinotora anenge makore maviri kuti vawane chikwereti zvikamu zvekusimudzirwa mu "zvakanaka".
Zvadaro, dzidza kuti nei chikwereti chako chakakosha kunyange mushure mokunge wabhadhara, uye matanho aungatora kuti uvandudze chikwereti chako chekwereti.
Nzira Yokuvandudza Nayo Chikwereti Chakwereta Mushure meBanruptcy
Iwe Wako Chikwereti Chikamu Chinokosha Mushure meBhenruptcy?
Yakarongwa Carron Nicks November 2017