Chii chinyorwa chekwereti?
Nhoroondo yako yechikwereti inhoroondo yekwereti dzekwereti yawakabata pamwe chete nemashoko pamusoro pezvinyorwa izvi zvinosanganisira: rudzi rwekambani, mutoro wako paakaunti (semuenzaniso kana uri mukwereti wemubatanidzwa), chikwereti chemari kana chikwereti chemari , ikozvino, mari shoma, kana iwe wakanga wapera mumakore manomwe apfuura, uye iyo yemaitiro ekozvino.
Mune chikwereti chenhoroondo yako, uchawana mazita emabhizimisi akangobva kukumbira kadhi yako yechikwereti, somuenzaniso, nokuti wakashandisa kubhadhara chikwereti kana nekuda kwekuti vanoda kutenga mutengo kana basa kwauri.
Zvikwereti zvinokonzera chikwereti zviri pazvinyorwa zvevanhu zvinowanikwa munhoroondo yako yechikwereti. Izvi zvinosanganisira kubhadhara, kufambisa, kudzorera, uye kutonga mhosva.
Nhoroondo yako yechikwereti haina kusanganisira zvinhu zvakadai sehutano hwako, mari, kana kuti iwe unogamuchira rubatsiro rwehurumende.
Unogona kutarisa chikwereti chenhoroondo yako
Nhoroondo yako yechikwereti yakanyorwa mune imwe nyanzvi inonzi inozivikanwa sekwereti .
Makambani anochengetedza mushumo wenyu wechikwereti anozivikanwa seareji ekubika mari yechikwereti kana zvikwereti zvekwereti. Kune zvikwereti zvitatu zvekwereti muUnited States: Experian, Equifax, uye TransUnion.
Iwe une kodzero yekuona chikwereti chako chekwereti nechikwereti chekwereti. Kutaura zvazviri, hurumende inokupa kodzero yekuona mushumo wako wekukweretesa uripo kubva kune imwe nzvimbo yekwereti kamwechete pagore, gore negore.
Tora mari yako yegore rekwereti yegore negore kubva kune AnnualCreditReport.com. Vamwe vanoti zvakare vanokupa kodzero yebhadhiro yemari yechikwereti gore negore. Kana iwe ukagara kune rimwe rematunhu iwayo, iwe unowana mbiri huru dzekwereti yemari gore negore.
Kana iwe wakatove wakaraira zvikwereti zvako zvemari zvegore negore zvegore rino, unogona kutenga imwe chete kana 3-in-1 mushumo wechikwereti kubva kune zvikwereti zvitatu zvekwereti.
Mashoko asina kunaka mune zvekwereti chenhoroondo yako
Kana iwe ukaita chimwe chinhu chakaipa, sekusiyiwa kumashure pamari yekubhadhara kadhi rechikwereti kwemazuva makumi matatu kana kupfuura, inoenderera kune chikwereti chenhoroondo yako. Vatengesi nemamwe mabhizinesi anotarisa chikwereti chenhoroondo yako chekuona zviitiko izvi zvisina kunaka uye anogona kuvashandisa kukurwisa iwe paunoshandisa kadhi rechikwereti, chikwereti, kana chimwe chikoro chekubhadhara chikwereti.
Nyaya dzakawanda dzakaipa dzinoramba dziri muchikwereti chenhoroondo yemakore manomwe. Izvo zvakashata kuri kubhadhara, izvo zvinogona kuramba zviri muchikwata chako chekwereti kwemakore gumi. Kunyange zvazvo zvinyorwa zvevanhu zvakadai sebhaghenyeri uye kufanirwa zvakabviswa kubva kune chikwereti chenhoroondo yako mushure mokunge chikwereti chekupa chikwereti chikamu chinopera, ivo vachiri kuramba vari pachirongwa chevoruzhinji nedare renzvimbo yenyu nokusingaperi.
Bvisa zvikanganiso zvekare zvemakwereti
Iwe une kodzero yekureva yakarurama chikwereti. Kana chikoro chako chekwereti chine zvikanganiso, unogona kuita kuti izvi zvibvise nekunyora kune chikwereti chekwerekiti chekupa kukanganisa kana kuti bhizinesi rakashuma kukanganisa kuhofisi yekwereti.
Muzviitiko zvose izvi, kuongororwa kunodiwa uye chikwereti chekwereti chinofanira kubvisa kukanganisa kana upfumi hudzoka iwe.
Kana uine zvinyorwa zvinoramba chikanganiso, iva nechokwadi chokuti unotumira makopi kubatsira rubatsiro rwekuongorora. Semuenzaniso, tumira kopi chekuregererwa chekuratidza kuratidza chikwereti chekwereti yakagamuchira mutero wakakodzera.
Bvisa Chikwereti Chako Chakaitika
Kana iwe uchangobva kutora makore 18 kana iwe usati wambotora chikwereti, zvichida hauna chikwereti chekwereti. Kunyangwe iwe uri kukwanisa zviri pamutemo kuwana kadhi rechikwereti kana chikwereti pazera remakore gumi nemasere, iwe unofanira kumirira kuti uite chikwereti chinyorwa kusvikira wava nebasa nemari yakakwana. (Ona Maitiro Okufanirwa Nekwereti Kadhi .) Makadhi ekubhadhara chikwereti anodiwa kukumbira mari yako asati akupa kadhi rechikwereti uye mari inobatsira ichabhadhara chikwereti chipi zvacho chaunotenga.
Kugadzira nhoroondo yechikwereti kwekutanga kunogona kuva kwakaoma nokuti vashomanana vatokwereti vanoda kupa kadhi rechikwereti kune imwe nguva yokutanga. Kunyange zvakadaro, pane mashomanana emakadhi emakadhi kuvanhu vari mumamiriro ezvinhu chaiwo. Tsvaga makadhi emakadhi echikwereti kana makadhi kuvanhu vasina chikwereti chenhoroondo .
Kana uchinge uine kadhi rechikwereti, ita chikwata chako chekwereti nokuita zviduku zvishoma nekubhadhara chikwereti chako nenguva uye zvakakwana mwedzi mumwe nomumwe.
Mazano ekugadzirisa yakaipa chikwereti chikwereti
Kuva nekodzero yakanaka yechikwereti kunokosha nekuti inokuita kuti uchengete huwandu hwemari yezvikwereti pamakadhi emakwereti uye nezvikwereti. Iwe unowana inshuwarisi yepamusoro yemari, ubhadhe pasi (kana kwete) kuisa pazvinhu zvebasa, uye uve nenguva yakareba yakakodzera kukwereta kana kuti chikwereti chemari.
Kana iwe wakaita zvikanganiso zvekare zvakakanganisa mbiri yako yechikwereti, unogona kuzvigadzirisa . Kunyange iwe usingakwanisi kuvhara ruzivo rwakarurama, rwakashata kubva munhoroondo yako yechikwereti makore manomwe asati apera (10 kubhadhara), unogona kutora matanho ekuvandudza chikwereti chako. Izvi zvinhu zvishomanana zvaunogona kuita.
- Bhadhara mberi kwemazamu akadai sekubhadhara zvikwereti uye kuunganidza zvikwereti.
- Deredza matanho akakwirira kusvika pasi pe10% kusvika ku30% yemutengo wechikwereti.
- Bhadhara zvikwereti.
- Iva nemamwe mashomanana akashanda, nhoroondo dzakanaka pamusoro pehupoti yako yechikwereti.
- Shandisa kadhi rechikwereti rakachengetedzwa kana iwe usingakwanisi kubvumirwa kune imwe kadhi rechikwereti.
Gara uchiyeuka mupfungwa kuti chero mutengesi wezvemari unogona kubatsira kana kukuvadza chikwereti chenhoroondo yako. Chengetedza nhoroondo yako yechikwereti gore rose kuti uone kuti vateresi vari kuudza zvinhu zvakarurama.