Ko Chikwereti Chekugara Chikwereta Chingaita Sei Kuti Uwane Mari?
Chikwereti chekugadzirisa zvinoreva kuti iwe wakaita chibvumirano nevako vane chikwereti kuti ubhadhe mari shoma pane chikwereti nekuda kwekugutsa chikwereti chako. Somuenzaniso, kana kadhi yako yekubhadhara chikwereti ichibvumirana kubvuma mari ye $ 2,000 pamutengo we $ 5,000. Kana chikwereti chigadziriswa, uyo ane chikwereti anovandudza mushumo wako wechikwereti kuratidzira chimiro che "Chigaro" kana "Chibhadharo Chigadziriswa." Kunyange zvazvo nzvimbo "Yakarongeka" iri nani zvishoma pane "Usingabhadharwi" mamiriro, chero mari yekubhadhara kunze kwe "Kubhadharwa se kubvumirana "kana kubhadhara zvakakwana" kwakaipa nokuda kwekwereti yako.
Nemhaka yokuti hauri kubhadhara chikwereti chako chakazara sekubvumirana, chikwereti chekugadzirisa chikwereti chichava nemigumisiro yakaipa kune chikwereti chako. Chikwereti chako chakakonzerwa nezvikonzero zvakasiyana-siyana, saka Zvakaoma kufanotaura chete kuti ingani maikwereti mapikisi maunotadza kurasikirwa nekuda kwekubhadhara chikwereti. Zvisinei, tinoziva kuti kubhadhara chikwereti kunogona kuita kuti zvikwereti zvekwereti yako.
Icho chinonzi FICO Pamusoro peKweretwa Kwematokari uye Chikwereti Chakwereta
Muna 2009, FICO yakabudisa FICO kurasa kurasikirwa kwemashoko yakabva kune vatengi vanofungidzira vane zvikwereti zvakasiyana-siyana zvekwereti. Mune imwe mamiriro ezvinhu, munhu ane 680 chikoro chekwereti (uyo akanga atova nemari yekurumidza kubhadhara kadhi rechikwereti) aizorasikirwa nepakati pemakumi mashanu nemakumi mashanu nematanhatu pashure pekubhadhara chikwereti kune imwe kadhi rechikwereti, nepo munhu ane chikwereti chekwereti 780 (asina imwe nguva kubhadhara) kwaizorasikirwa pakati pe 140 ne 160 pfumbamwe.
Chikwereti chako chikwanganiso chinogona kuwana doro rakafanana kana iwe une purogiramu yekwereti yakafanana nemamiriro ezvinhu aya uye uri kugadzirisa chikwereti chimwe chete.
Mari yako yechikwereti inogona kuwira pasi kana iwe uchigadzirisa pane dzimwe nhoroondo.
Iwe unogona kunyatsofanotaura kuitika kwekubhadhara kwekupedzisira pane chikoro chako chekwereti uchishandisa FICO Score Simulator, inowanikwa paunotenga FICO Score Watch kubva paFFFICO.com.
Mazororo Emazuva Ekupedzisira Kutora Chikwereti Chetatu
Chikwereti chekugadzirisa chikwereti chichakuvadza chikwereti chako chikwereti kana zvikwereti zvekwereti zvaunogadzirisa zvatove zvakamira zvakanaka uye kana ukagumisa kugadzirisa kazhinji kadhi kadhi rechikwereti.
Zvikwereti zvakawanda kugadzirisa makambani achakukurudzira kuti uchinetseke nekusara pamari yako yako kuitira kuti vatengi vangave vakagadzirira kubvuma kubhadhara kubhadhara pane chikwereti. (Vatengesi vanowanzotungamirirwa kugadzirisa zvikwereti zvinenge zvichiisa pangozi yekusambobhadharwa.) Kutevera mazano emakambani ekubhadhara chikwereti zvinoreva mwedzi yakawanda yekubhadhara chikwereti icho chinokuvadza chikwereti chako kunyange usati watarisa chikwereti.
Chikwereti chekubhadhara mari ichasara pamushumo wako wekwereti kwemakore manomwe, asi ichange iine zvishoma pamiganho yako yechikwereti kune yakwegura iyo ruzivo runowanikwa uye kana mamwe mashoko akanaka anowanikwa kumurairo wako wekwereti.
Kudzokorora Chikwereti Chako Pashure Pokutora Chikwereti
Ramba uchifunga kuti chinangwa chekubhadhara chikwereti ndechokubvisa chikwereti chako, kunyanya kana iwe usingakwanisi kubhadhara zviyero zvose zvakakwana. Izvozvo zvinogona kureva kuti iwe unopedza chikwereti chako chikwereti - kunyanya kana iwe usingatsvaki chikwereti chikuru ikozvino - kuitira kuti uwane chikwereti.
Kana wapedza kugadzirisa zviyero, unogona kufunga nezvekuvaka zvakare chikwereti chako . Sezvo chikwereti chakavakirwa pakukwereta, iwe unofanira kushandisa kadhi rechikwereti kana zvikwereti kuti uvakezve chikwereti chako. Kubhadhara chikwereti nekubhadhara panguva yakakosha ndiyo chinhu chinokosha pakuwana chikwereti chakanaka chekwereti uye kusava nechikwereti.