Nzira dzekutengesa cheki dzinobata sei chikoro chikoro
Cheko rinoputika haritauriri pakarepo mumitemo yako yemari yechikwereti, uye inogona kunge isingazviratidzi. Zvikwereti zvakakura zvekubhadhara chikwereti (Experian, TransUnion, uye Equifax) kunyanya kugadzirisa ruzivo pamusoro pezvikwereti - wawakakwereta kubva, kana wakabhadhara nguva pfupi, uye kana paine chero zvinyorwa zvevanhu zvakabatana neyakaita chikwereti chako.
Bhengi yako haina kuudza cheki imwe chete kune iyo chikwereti chebhengi.
Kana iwe ukacheka cheki, kuripa munhu wose waunokwereta nekukuisa shure kwako. Chero bedzi iwe uchitarisana nechinetso mukati memazuva makumi matatu - uye usarega kuita tsika kubva mazviri - yako FICO chikwereti chikoro hachifaniri kutambura.
Izvozvo zvakati, cheki rakaipa (kana kuti tsvakurudzo dzakaipa chekuongorora) zvinogona kuendesa kunetso nenzira dzakawanda:
- "Zvimwe" chikwereti zvikoro zvingakupa zvikamu zvishoma
- Kudzokorora kusina kubhadhara kunopedzisira kuunganidza kunogona kukuvadza yako tsika yechikwereti chikoro
- Chikwereti chemari chikwereti chichakuvadza chikwereti chako mushure memazuva makumi matatu
- Iwe unogona kuguma mune mamwe mabhuku
Alternative Scores
IFICO chikwereti chikoro ndiyo inonyanya kufanirwa mari yechikwereti, uye ndiyo iyo inoshandiswa kune zvikwereti zvakawanda zvakadai semotokari nekutengesa kumba. Zvisinei, mamwe maitiro ari kuwedzerwa mukurumbira - kunyanya kune vanhu vasina kumbova nekana yekuvaka chikwereti uye kuvanhu vanovakazve mushure mokutambudzika kwemari.
Zvimwe chikwereti chikwereti zvinotarisa zvinopfuura kungoita chikwereti chako. Kubhadhara mari uye kubhadhara mari kunogona kuratidza kuti iwe wakatendeseka-kunyange kana usina kumbobvira wakwereta munguva yakapfuura. Asi kana kukwereta kwako uye kubhadharwa kwebasa rekushandisa, haugoni kutarisa zvakanaka pane iyo mienzaniso.
Collections
Pakupedzisira, cheketi yakaipa inogona kuratidzira pamutero wako wekukweretesa kune zvikwereti zvitatu zvekubhadhara chikwereti.
Kana chikwereti chichienda chikasabhadharwa, kambani yako inogona kutumirwa kune zvikwereti (zvinoreva kuti chikwereti chinoshandira sangano rekuunganidza - kana kutengesa chikwereti chako kwavari - icho chichaedza kuunganidza chaunokwereta).
Nhengo dzekuunganidza dzichapa chikwereti chako kune zvikwereti zvekwereti uye zvinyorwa izvi zvinokuvadza chikwereti chako. Sangano rekuunganidza rinogonawo kutora mhaka yepamutemo pamusoro pako, uye chero kutonga pamusoro pako kuchaitawo zvimwe zvinokuvadza.
Une nguva yakareba sei?
Kana iwe uchinge waita cheki, taurira mubhadharo pakarepo ubhadhara zvaunokwereta - usavamirira kuti akushevedze iwe. Kunyanya kana iwe uri kubhadhara chikwereti (kufanana nemari yako yemusha kana kadhi rechikwereti), zvakakosha kugadzirisa zvinhu kunze kwemazuva makumi matatu.
Kweretwa kwenguva refu pamabhadharo kunowanikwa pamushumo wekwereti uye vanoderedza pasi zvikwereti zvekwereti. Zvisinei, iwe unowanzove nemazuva makumi matatu mushure mezuva rakakodzera kuti uite chikwereti chako uye uchengetedze chikwereti chako chakanaka. Iwe uchange uchiripa bounced check check uye mamiriyoni ekubhadhara mari, asi unogona kudzivisa kukanganisa kwereti yako nekuita zvakasimba.
Zvimwe Mamwe Chikwereti Chekwereti
Zvikwata zvinonyanya kuzivikanwa zvekubhadhara chikwereti, izvo zvinowanzoshandiswa pakushandisa zvikwereti nemabasa, usatevedzera basa rako rekuongorora. Zvisinei, kune dzimwe "makambani ekubika vatengi" anounganidza uye anotengesa ruzivo pamusoro pako.
Imwe yeiyo ndiyo ChexSystems , iyo inofamba bounced checks uye mari isingakwanisi .
Kusiyana nevakuru vakuru vekubhadhara chikwereti, chinhu chakaipa kana une ChexSystems mushumo - vanhu chete vane matambudziko nebhangi ravo vanoratidzwa mudhesi iroro. Kubva pane ruzivo pamusoro pezvakaitika kare, mabanki angaramba kuramba kuvhura kero yekutarisa kwauri, kana kuti angavhara kero iripo.
Zvimwe nhepfenyuro zvinogona kuita kuti zvive zvakaoma kuti iwe ushandise cheki dzako. Somuenzaniso, unogona kunge wakaomerwa nekunyora cheki muchitoro kana mutengesi anoshandisa cheki chekuongorora chekuita kuti aone maitiro akaipa.
Dzivisa Kuona Cheki
Kune zvikonzero zvakawanda zvekudzivisa kutora cheki. Mukuwedzera kune zvinogona kukuvadza kune chikwereti chako, iwe unofanira kubhadhara mari yakawedzerwa, uye iwe ungatomutsa nematambudziko epamutemo . Chengetedza kuti mari yakawanda yaunayo iripi, uye iva nechokwadi chokuti hausi pasi zero iri pasi pekutarisa kwako.
Kuguritsa chenguva imwechete kungangodaro chiratidzo kana iwe wakabatikana kana kuti wakavhiringidzika. Asi kana zvichiitika nguva dzose, chiratidzo chokuti iwe unofanirwa kuchinja uye kudzokerazve pakasimba.
Gara uchienzanisa: kutarisa chikero chako chebhuku, dzidza kuenzanisira mabhuku ako - iwe uchaziva (bhanhire rako risati rasvika) uko mari yako yose iri kuenda.
Tsvaga mazano: shandisa zvinyorwa kana nyevero dzemaimeri kuitira kuti uzive kuti iwe une zvakawanda sei muakaunti yako, uye apo mari inodzinga account. Izvi zvinokubvumira kutora matanho matambudziko asati asvika.
Wana kuchengetedzwa: kana uchiri kukonzera cheki, tarisa kuvharidzirwa kwebhadhiroki kubva kubhangi rako kana kubhadhara chikwereti. Bhengi iyo (dzimwe nguva) inobhadhara kana iwe uchitsika pasi pamari, uye iwe uchadzorera chaunokwereta kubhangi panzvimbo yekukomberedza cheki. Iyi basa rinodhura mari, saka ini ndinowana mari nehutano husati wasvika.