Catch-22 yechikwereti kune vechidiki: haugoni kuwana kadhi rechikwereti nokuti hauna chikwereti asi iwe haugone kuvaka chikwereti chakanaka kuti uwane chikwereti nokuti haugoni kuwana kadhi rechikwereti. Zvakaoma kune vechidiki vari pasi pemakore makumi maviri nemaviri kuti vawane kadhi rechikwereti ivo pachavo sezvo mutemo weSweden ikozvino unoda chikwereti chekubhadhara chikwereti kuti vaone mari yavo pachavo vasati vapa kadhi rechikwereti. Vabereki vanogona kubatsira vana vavo kudzivisa iyi conundrum kuburikidza kuwedzera mwana kune imwe yemakadhi avo emakadhi.
Kuwedzera mwana wako kune imwe yemakadhi ako ekwereti kunokupa mukana wekuvadzidzisa nezvekwereti uye kuvabatsira kutanga kutanga kuvaka chikwereti chakanaka pasina kuvepa zvakakwana basa rekuita kadhi rechikwereti.
Vakawanda vane kadhi rechikwereti vanobvumira kuti iwe uwedzere musikana ane kodzero kuakaunti yako - iyo munhu ane kodzero yekupa mhaka pamabhuku. Mushandisi ane kodzero anowana chikwereti chekadhi rechikwereti pasina mutoro wepamutemo (sokunge vaizoita nekadhi kadhi rekwereti ). Usati waita mwana wako mushandisi akakodzera pane yako kadhi rechikwereti, iva nechokwadi chokuti mose muri vaviri makagadzirira kutora danho iroro.
Mwana Wako Ari Kugadzirira Kuva Mvumo Yevashandi?
Mwana wako akatendeka here? Kuva nekadhi rechikwereti ibasa guru. Sezvo iwe uri pakupedzisira pachikwereti chekutenga kunoitwa pamakadhi ako ekwereti, iwe unogona kukwanisa kuvimba nemwana wako kuti agare nemazita ose aunoisa kune kadhi rechikwereti.
Mwana wako anowanzoita mitemo yawakagadza here? Mwana wako ane mhosva nemari here? Kana iwe usingakwanisi kupindura hungu kumibvunzo iyi, mwana wako angasave akakagadzirira kuva mumiririri akakodzera pane yako kadhi rechikwereti.
Rongedza Zvirongwa Zvishoma
Usati washevedzera kuti uwedzere mwana wako pakadhi rako, iva nechokwadi chekuti unotora mamwe mazano ekuti kadhi rechikwereti inofanira kushandiswa sei.
- Mwana wako angashandisa zvakawanda zvakadini?
- Chii chavanotenderwa kutenga?
- Vanofanira kukumbira mvumo yako vasati vatenga here? Kana kuti rega uzive mushure mokunge vatenga iko?
- Ndiani achazobhadhara? Nenguva ipi?
- Inguva yakareba sei urongwa hwemagetsi hunogadziriswa huchaguma?
Kurukurai migumisiro yekusatevera mitemo, somu kubvisa kubvumirwa kwemwedzi kana maviri kana kusingagumi kana kuderedza mutengo wavo wokutenga. Gara pazwi rako. Kana iwe uchiti uri kuzobvisa mamiriro ekugonesa kwemwana wako ane kodzero nokuti vakapa mari zhinji, iva nechokwadi chokuti unozviita. Kukundikana kutevera nemigumisiro kunotumira shoko risina kunaka. Vanokweretesa havakwanisi nemakanganisa, saka munofanira kudzidzisa mwana wenyu kuti pane zvakakomba zvekushandisa kadhi rechikwereti.
Nhoroondo Ipi Inofanirwa Kushandisa?
Zvinogona kunge zviri nani kuvhura nhoroondo yakasiyana kana kuwedzera kune kadhi rechikwereti rausingawanzoshandisa. Nenzira iyo, matanho ako haatauri. Kana, kana iwe uchigovera kadhi rechikwereti nemwana wako, iva nechokwadi chekuti iwe unobva pane chikwereti chechikwereti chiripo kuitira kuti kutenga kwemwana wako kusasimbirire chikamu pane chikwereti chekwereti.
Kana ukasarudza kuwedzera mwana wako kune imwe yekodhi yako yemakadhi, sarudza imwe ine mbiri yakanaka yechikwereti.
Nekadhi kadhidhikiti, iyo nhoroondo yose yekodha inowanikwa pamushumo wemvumo yevashandi vakagamuchirwa kana vawedzerwa ku-akhawunti. Zvinenge zvisingabatsiri kuzviwedzera kune imwe nhoroondo iyo yakazara nemitengo yakadzika uye zvimwe zvinhu zvisina kunaka. Izvi zvingawedzerwa kumukwereti wemwana wako chikwereti uye kukuvadzwa panzvimbo pokubatsira.
Chikamu Chekutanga uye Chiremera Chekushandisa Kadhi
Kana uchinge wawedzerwa kuigwaro, mushandisi wako ane kodzero achagamuchira kadhi kadhi rekwereti muzita rake. Vamwe chikadhi chekwereti vanotora kunyange kutora nhamba dzakasiyana dzebhuku dzevashandi vane kodzero. Kunyangwe nekadhi ravo, mushandisi ane kodzero anongobvumirwa kuti atenge zvigadzirwa paakaiti. Vanowanzogone kuita chero humwe hutengesi - mari inofambira mberi kana kutengesa kuwedzerwa. Ivowo havakwanisi kuita shanduko ku-akhawunti, sevhivha pedyo nekambani, bvunza chikwata chekukweretesa chikwereti, kana kuwedzera vashandisi kumabhuku.
Ramba uchiyeuka kuti iwe uri mutoro wezvose zvinokonzerwa pamakadhi ako, kunyange izvo zvakagadzirwa nemunhu anoshandiswa, uye kunyange kana munhu ane kodzero yakabvumirana achitaura kubhadhara pamhosva dzavo. Sezvo wekutanga nhoroondo yekubata, kadhi rechikwereti rechikwereti rinowanzoita kuti uve nemhosva yekadhi yemari yekwereti.
Ichaita Kuti Vawedzere Chikwereti Chavo Chekwereti?
Kubhadhara mari yechikwereti kubva kumakambani ane kodzero dzevashandi vakatsvaga kubviswa apo FICO yakasarudza kuti havachazobatanidza kodzero dzevashandi vane kodzero mumakwereti avo. Chisarudzo chacho chaive chakavakirwa nhamba yevanhu vainge vashandisa zvinyorwa izvi nekutsvaga kuwanikwa kwevashandi vedigwaro. Kubvisa kodzero dzevashandi vakagadziriswa zvinogona kukuvadza mamiriyoni evatengi, saka FICO panzvimbo padzo yakashandisa mari yavo yakakosha yekwereti-FICO 08 - kuti iite chete mabvumirwe akavimbika evashandi.
The VantageScore 3.0 inofungawo nezvemvumo yevashandi yakagamuchirwa kana kuverenga mapeji.
Kupedzisa Chiremera Chekushanda Relationship
Kana mwana wako achikwanisa kuwana chikwereti kana kuzvipa chikwereti pachavo, hachisi chaicho chikonzero chekudzichengeta semunhu anoshandiswa. Kubvisa ropafadzo yemuviri wemubhadharo yemwana wako kwakajeka sekushevedzera kumakadhi ako kadhi rechikwereti.