Mushure mezvose, pa-nguva yekubhadhara pane-nguva yekubhadhara - haifaniri kuva nehanya kana uri kuripira chikwereti kana kuchengeta magetsi. Zvinosuruvarisa, kubhadhara mari yako yebhadharo hazviwanzove nechinokonzera pane yako tsika yechikwereti chikoro.
Asi pane zvimwe zvisiri izvo zvinokosha:
- Kana imwe "shanduro" chikwereti chekwereti inoshandiswa, iyo mitsva inogona kukubatsira kuti ugone kugamuchirwa.
- Kana iwe uchinge uchinge uchinge uri kure kumashure kwebhadharo rekushandisa, chikwereti chako chichashungurudzika sezvo sarudzo dzichienda kune masangano ekuunganidza.
- Nhoroondo yako yekubhadhara mari inobatsira inogona kuchinja kukwanisa kwako kuwana mamwe mabasa (kana iwe uchifamba kana kuchinja vateresi vebasa, somuenzaniso).
Alternative Credit Scores
Iwe une zvikwereti zvizhinji zvekwereti . Iko inonyanya kukosha chikwereti chikamu ndeye FICO chikwereti chikoro (uye iwe unotova nezviverengero zveFICO chikwereti - chikamu chimwe chete kune rimwe guru guru rekubika chikwereti). Iko maonero anotarisa kunyanya maitiro awakabhadhara zvikwereti munguva yakapfuura uye yako ikozvino chikwereti purogiramu. Icho chikwereti icho vanokweretesa vanowanzoshandisa mari yakakosha zvikuru-dollar semakwereti emusha uye standard auto zvikwereti. Kubhadhara kwemari haisi ikozvino kwakagadzirirwa muFICO chikwereti chikwereti.
Zvimwe chikoro chikwereti chinotora nzira yakasiyana.
Masangano anosimudzira vanhu ivavo vanoziva kuti vakawanda vatengi havana mari yakakwana yekukwereta nhoroondo yekuti vawane FICO chikwereti chikwereti. Mahofisi ekubhengi chikwereti haatombozivi kuti vanhu ava varipo, asi ivo vakanyatsokodzera kubhadhara zvikwereti uye basa rekubatsira.
Vanhu ava nemhuri vanoita-nguva yekubhadhara kune masangano akawanda mwedzi wega wega (nekuda kwekushandira foni, internet, cable, magetsi, gesi, mvura, tsvina, ganda remvura, HOA, uye zvimwe).
Mari iyo inofanira kuverengerwa chimwe chinhu, uye zvitsva zvikwereti zvinoratidza nzira yekuziva vatengi vane mhosva uye kuvabatsira kuwana zvikwereti.
Dambudziko riri kuwana chikwata chinoshandisa iyo dzimwe chikwereti chikwereti. Iwe unogona kutarisira vakawanda uye vakweretesa vakawanda kuti vaite izvozvo, uye zvikwata zveFICO zviri kuchinja kunyange kusanganisira mari yekubhadharwa kwehupfumi munguva.
Kana Iwe Usingabhadhara Zvaunoshandisa
Nzira yechipiri iyo mabhizimusi ako anoshandisa mari yako inogona kukanganisa chikoro chako chikoro ndechekuti iwe unorega kubhadhara. Kunyange zvazvo zvibatsiro zvakawanda zvisingambotauri ruzivo rwakanaka (kuti iwe wakagara uchibhadhara-nguva, somuenzaniso), ivo vachapa ruzivo rwakashata. Apo nhoroondo yako ichienda kune sangano rinounganidza, chikwereti chichazoonekwa kune mari yechikwereti .
Izvo zvikwereti zvinokonzerwa zvechokwadi zvinokanganisa kero yako Uyezve, vanogona kutendeuka kutongwa kwepamutemo pamusoro penyu, izvo zvakashatawo kune chikwereti chenhamba. Pamusoro pezvose izvi, iwe unogona kunge uchibhadhara mari yakawedzerwa semubairo wekodha yekuunganidza. Izvozvo zvingaratidzika sekusaruramisira: Vashandi vanogona kukuvadza chikwereti chako kana iwe usingabhadhara, asi iwe hauna kuwana chero rubatsiro (kunze kwebasa rakapiwa) kubhadhara zvikwereti zvako.
Makambani iwayo haafaniri kunge akajeka uye akachenjerera sevakweretesi - havasikupa zviuru zvemadhora kuti iwe unogona kuregerera-uye havadi kuva pasi pezvinodiwa zve Fair Fair Reporting Act ( FCRA).
Somugumisiro, ivo vachazarura nhoroondo yako uye kupa zvibatsiro, uye chikwereti chako chinongobatanidzwa kana iwe uchinge uchinge uri kure kumashure pamitemo.
Ndezvipi zvakasara kure? Kungofanana nemari yekubhadhara chikwereti, kubhadhara mazuva mashomanana nguva refu hazvikwanisi kukonzera matambudziko makuru (kunyange zvazvo mari yekubhadhara nguva pfupi ichiwedzera). Kana zvikwereti zvinopfuura mazuva makumi matatu ekupedzisira, zvikwereti izvozvo zvichaonekwa, uye masangano ekuunganidza anongobatanidzwa paunenge warega kubhadhara kwemwedzi inoverengeka kana kupfuura.
Tsanangura "Chikwereti"
Kunyange zvazvo mari yako yekubhadhara inogona kunge isingakanganisi zvakakwana kukwanisa kwako kubhadhara chikwereti, iyo mitero inogona kukubatsira kana kukukuvadza kune dzimwe nzvimbo. Kufanana kune vamwe vechikwereti vechikwata, mamwe makambani anotarisa nhoroondo yako yebhadharo rekushandisa. Kana iwe nguva dzose uchibhadhara pane nguva, zvichava nyore kuwana mabasa.
Kana iwe uine nhoroondo yekubhadhara nguva, zvinenge zvakaoma kuwana basa (iwe unogona kunge uchida kutamba nemamwe hoops kana kuita mari huru kuti ushandise kushandiswa).
Saka, zvichienderana nezvamunoreva kuburikidza ne "chikwereti," iyo mari yekubhadhara inogona kuve yakakosha. Heano dzimwe nzira dzokuvaka chikwereti chako.
Ramba Uchibhadhara Nguva
Kana uri kuedza kuvaka chikwata chako, zvinokosha kuti urambe uchiita zvose zvaunobhadharwa nazvo panguva. Mari iyo inogona kubatsira yako tsika yechikwereti chikwereti (iri kuwedzera uye inowedzera gore negore) - uye iwe unogona kukuvadza kukuvadza chikwereti chako kana iwe uchinge uchinge uri kure kumashure pamitero.
Tarisa Zvaunotora
Mukuwedzera pakugara ikozvino pane zvishandiso, teerera kune yako tsika yechikwereti yemari. Kana uchitanga, chengetedza zvikwereti zvekwereti nguva dzose ( yakasununguka pasi pemutemo wehurumende ). Gamuchira ruzivo kubva kune imwe huru huru yekodhi yekwereti kwemwedzi mina yose, saka iwe uchabata matambudziko vasati vabuda. Rongedza chero zvikanganiso mumishumo yako , sezvo zvingave zvisina kukodzera kudonha zvidzidzo zvako.
Secured Loans
Kubhadhara chikwereti uye kuita zvikwereti zvako nenguva kunofanira kubatsira yako chikwereti chikoro. Kana urikuomerwa kubvumidzwa, edza chikwereti chakachengetedzwa - kunyange chikwereti chiduku chemazana mashoma madhora anogona kubatsira. Nechikwereti chakachengetedzwa, iwe unopa mari (kana zvimwe zvimwe zvekuchengetedza ) kuderedza dambudziko rekweretesa. Cash ingangodaro ndiyo yakanakisisa yemutengo, uye mari inogona kukubatsira iwe kukodzera kuwana kadhi rechikwereti rakachengetedzwa . Chinangwa nechikwereti chakachengetedzwa hachisi kuwana mari - chinangwa ndechekubhadhara chikwereti uye kuvaka chikwereti.
Wana Rubatsiro kubva kuCon-Signers
Kana iwe usingakwanisi kubvumirwa kune chikwereti chiduku, mumwe munhu waunoziva angakwanisa kukubatsira. Mumwe mubatsiri anoratidza chikwereti chekuita chikwereti newe uye anovimbisa kubhadhara kana iwe usingakwanisi kubhadhara. Munhu iyeye ari kutora njodzi nekukubatsira iwe (uye chikwereti chavo chinogona kugadziriswa ), saka inofadza kukumbira. Ingobvunza nyasha iyo kubva kune munhu uyo:
- Ane chikwereti chiri nani pane iwe
- Une mari yakakwana yekukubatsira kuti uwane chikwereti chitsva uye ubhadhara zvaunosungirwa
- Unokwanisa kutenga mungozi yekuti iwe hauzobhadhari (ivo vachava zana muzana vanoita chikwereti kana iwe usingakwanisi kubhadhara chero chikonzero - kunyange kana wakakuvadzwa kana kuurayiwa munjodzi)
- Anonzwisisa njodzi dzekukuinyorerai
Get Current
Chikwereti chako chinonyanya kushandiswa pane nhoroondo yako yekugadzira-nguva yekubhadhara pamabhadhara. Kana iwe uri kumashure pamitero yezvikwereti, tora pamwe - chikwereti chako chichakurumidza kuvandudza. Izvozvo zvingava zviri nyore kutaura pane kuzviita. Kana uri kurwisana nezvikwereti, taura nevakweretesi vako uye mubvunze kana kune mapurogiramu anowanikwa kuti akubatsire kudzokera shure. Kuva nemagetsi kunogona kuzarura mikova yausingazivi yaivepo.