Ndezvipi zvekubhadhara mari?
Ndezvipi zvekubhadhara mari?
Pose paunoshandisa chikwereti, vateresi vanoda kuziva kana iwe ucharipa chikwereti. Kuti uvabatsire kuti vaone izvi, vanoona nhoroondo yako yekukwereta: wakakwereta mari munguva yakapfuura here, uye wakadzorera here zvikwereti?
Zvikwereti zvikwereti zvine ruzivo runokweretesa vatengi kuti vaite zvisarudzo.
Chikwereti chekodhidhi chinoshanda se database pane ruzivo pamusoro pako. Mashoko iwayo anoshandiswa kugadzira chikwereti chekwereti , iyo inowanzopa vatengi mari yakafanana yekugamuchira chikwereti chako. Izvo zvakashata data, isati yashandiswa kugadzira chikoro chekwereti, inozivikanwa sehupoti yako yekwereti.
Nhoroondo dzako dzekwereti dzinoratidza izvo zvikwereti zvikwereti zvizivikanwe nezvako, uye iwe unobvumidzwa kuona iyi mibairo yekusununguka gore negore .
Mari yechikwereti inounganidza chete uye inotengesa dhesi. Havasarudze kana kana kwete chikwereti chako chichabvumirwa. Somuenzaniso, kana iwe ukakumbira chikwereti, bhanki yako inogona kutora chikwereti chako. Chikwereti scoring model (kunyanya purogiramu yepakombiyuta) yakagadzirwa naFICO , uye data inogona kubva kuna Experian, imwe yezvikwata zvinowanikwa zvikuru zvekwereti. Bhengi yako ichasarudza zvipi zvaunogamuchirwa nazvo - kuita shanduko yekuti hongu kana kusasarudzo - kushandisa dhesi iyo inowanikwa kubva kuchikwata chekwereti.
Ruzivo Runobva kupi?
Zvikwereti zvekwereti zvinowana ruzivo kubva kune zvimwe zvinyorwa-zvino ivo vanogadzira uye vanotengesa mamwe mashoko kune vamwe.
Kubva kune vanokweretesa: zvakawanda zve data zvinobva kuvakweretesi. Kana wakakwereta mari munguva yakapfuura, pane mukana wakanaka wekuti chikwereti chako chakataura kuti chikwereti kune imwe kana mamwe mabhizimusi emari.
Vamwe vanokweretesa havaregi basa renyu rekukwereta, asi vazhinji vanoita. Kana uri kuedza kuvaka chikwereti (nokuti iwe hauna chikwereti chekwereti, kana iwe unoda kuvakazve nhoroondo inotambudza), zvakanakisisa kushanda nevakweretesi vanopika kune zvikwereti zvekwereti.
Zvinyorwa zvemasangano : zvikwereti zvekwereti zvinowanawo ruzivo kubva kune zvinyorwa zvevanhu. Somuenzaniso, vangave vachida kuziva kana mune imwe nhoroondo yemitongo yepamutemo pamusoro pako, kana iwe wakambosvitsa kubhadhara, kana iwe wakambove nokupfuura . Vatengesi vanogonawo kutarisa kumusoro kwemashoko aya, asi zviri nyore kuti vazvitenge kubva kuchikwata chekwereti.
Zvimwe zvinyorwa: mamwe mitsva yehuwandu inowedzera kushandiswa kugadzira "mamwe maitiro" zvikwereti zvekwereti. Zvikwereti iwe unobhadhara zvinoshandiswa, unhengo, nezvimwe zvinogona dzimwe nguva zvinokanganisa kukwanisa kwako kukwereta. Panzvimbo yekodzero yeCatch-22 (haugone kuwana chikwereti kunze kwekuti iwe uchitova nacho kare), pane nzira dzakawanda dzokuratidza kuti iwe une mhosva pamusoro pokubhadhara zvikwereti.
Mitemo yeZvenhau
Kune zvakawanda zvezvikwereti zvebhadharo, uye imwe neimwe inoshanda zvakasiyana. Zvisinei, dzakawanda zvikwereti zvikwereti zvinowanikwa pane ruzivo rwakachengetwa pamakambani makuru matatu ekubhadhara chikwereti (Equifax, TransUnion, uye Experian). Zvimwe zvikwereti zvikwereti zviri kutsvaga mararamiro akafanana emakero - kuti iwe unowanzobhadhara sei zvikwereti.
1. Ruzivo rweMunhu
Mashoko evanhu pachavo anobatsira makambani ekubika zvikwereti kuti azive iwe uye akakusiyanisa nevamwe vanokwereta.
- Zita, kero, Social Security Number, zuva rokuzvarwa
- Mazita adarika
- Employment history
2. Public Records
Makambani ekubhadhara chikwereti anotora mashoko kubva kumatongerwo enyika. Izvi zvinosanganisira kutonga kunobatanidza nemari yako (hapana magetsi ematokisi, somuenzaniso).
- Kushungurudza
- Mutero wemitero
- Kufananidzira
- Kuchengetwa kwemari
3. Ongororo
Nguva dzose kana mumwe munhu achikumbira makambani ekubhengi chikwereti nezvekwereti yako, vanozvinyora.
4. Migwagwa yeZorhwebo
Zvimwe inonyanya kukosha mashoko akaunganidzwa nemakambani ekubhengi chikwereti, mabhizimisi ekutengeserana mabhuku emarenda ako.
Vanonyatsotsanangura maitiro anokosha echikwereti chimwe nechimwe. Vanogona kuenda nemazita akasiyana-siyana zvichienderana nekambani yekwereti yekwereti, asi huwandu hwezvinhu zvinowanikwa muzvikwereti ndeizvi:
- Rudzi rwechikwereti
- Creditor zita
- Zuva rakavhurwa
- Zuva rekupedzisira basa
- Mari yechiyero
- Maximum balance
- Account status
- Comments
- Mutoro wako paakaunti
- Zvikamu zvakapfuura zvakakodzera
- Minimum kubhadhara
- Nhamba yemari yako yekupedzisira
Ona mienzaniso inooneka yekuti zvinhu izvi zvinotarisa sei pamishumo yako yekwereti:
Kwete paChikwata Chekuzivisa Makambani
Makambani makuru makuru ekubhengi chikwereti haatori ruzivo pane zvinotevera:
- Bounced checks (ona ChexSystems )
- Race
- Ethnicity
- Zvepabonde
- Zvematongerwe enyika maonero
- Inowanikwa
Dzimwe ruzivo runochengetwa kumakambani ekubhengi chikwereti, asi haisi kuratidzwa pamakero enyu emari. Zvinhu zvisina kunaka zvakange zvakavharwa makore anopfuura manomwe adarika kazhinji zvinowira munharaunda iyi. Nhoroondo yacho ichiripo kune kambani yekubika chikwereti, asi haisati yakabatanidzwa mune dzakawanda zvikwereti zvekwereti.