Unogona Kubhadhara Zvikwereti Zvako Zvechokwadi Here?
Chikoro chenhamba ndiyo nhamba iyo vatengi vanoshandisa kukuongorai semunhu akakwereta. Nhamba idzi dzinoumbwa nemakombiyuta anopinda nemukana wekwereti yako, uye anowanzoita mutsauko pakati pekugamuchirwa uye kubviswa.
Saka iwe unofanirwa kubhadhara kuti uone kuti chikamu chako chii?
Kufanana nenhema pamusoro peguta reEl Dorado, zvivimbiso zvekubhadhara pachena zvikwereti zvishoma hazviwanike kunze. Iwe uchakurumidza kuwana kuti makambani anoshambadzira zvikoro zvisingatarisirwi kukuda iwe nokukurumidza kana kuti gare gare.
Asi kune nzira shomanana dzekuwana zvikoro zvechokwadi (kunyange dzimwe nguva iwe unowana chaunobhadhara). Ngatitangei pane zvamunogona kuita pasi apa.
Aina dzeChechi Scores
Iwe unogona kushamiswa kuziva kuti iwe une zvikwereti zvizhinji zvekwereti - kwete imwe chete. Nekutanga, rimwe nerimwe rezvikwereti rinokonzera chikwereti chekwereti, uye imwe neimwe yekuenzanisa muenzaniso inogadzira mapepa ayo (uye kune zvakawanda zvekuongororwa maitiro). Usati watora chikoro zvakanyanyisa, tsvaga kuti ndechipi chikamu.
Chimwe chikamu chakakosha iye zvino ndicho chikwata cheFICO - ndiyo iyo inokweretesa inowanzoshandisa zvikwereti zvakakosha zvikuru (zvakadai semarikiti, bhadharo yemotokari , uye makadhi emakwereti). Zvimwe zvikamu, zvakadai saVantageScore, zvingava zvakanyanya kuzivikanwa, asi zvikwata zveFICO ndizvo zvikamu zvakakosha zvikuru.
Chero nyanzvi inogona kukubatsira kuona kana iwe uri "zvakanaka" kana "zvakaipa" chikwereti - kana chikoro chako chakakwirira, iwe uri kuita zvakanaka - uye chii chinogona kukuvadza chikoro chako . Zvisinei, nhamba chaiyo yaunowana ingave isingabatsiri kunze kwekuti uri kutarisa chikamu chechokwadi cheFICO.
Free Credit Scores kubva kuLenders
Nenguva inotevera iwe ukwereta, bvunza freebie.
Chero nguva iyo iwe ukakumbira chikwereti, wako chikwereti chinowanzowana chikamu cheFICO sechikamu chekukweretesa. Kumbira murikwereti wako kuti akuudze kuti chikwata chako chii - vangasaziva kuti iwe unoda kuziva, uye vanofara kugovana nemashoko aya newe.
Mukuwedzera kune vatenzi vemazuva ano, vezera rako kune vezera rako uye mamwe emakambani ekubhadhara chikwereti muIndaneti vanowanzopa chikwereti chekubhadhara pachena (kana zvimwe zvinoratidza kuti pane zvikwereti zvipi) kana iwe ukasainira mavhisi avo.
Kana vakakweretesa, zvichibva pane chikwereti chenhamba yako, sarudza kusabvuma chikwereti chako (kana kuti chisarudzo chekupa mashoko asingabatsiri), vanofanira kupa zvikwereti zvekwereti zvavakashandisa.
Zviri nyore kuwana chikwereti chekwereti chepachena kana iwe ukakumbira chikwereti, asi iwe ungada kuwana chikoro kakawanda. Mamwe mabhengi anopa pachena FICO chikwereti zvidzidzo nemishanduro yemwedzi uno kana ukashandisa kadhi rechikwereti. Semuenzaniso, vatengi veChese Slate vanogona kuona chati iri kuratidza kuti chikwata cheFICO chave chachinja sei munguva. Kambani yako yekadhi rechikwereti inowanzoongorora chikwereti chako chero nguva (kuti uone kana uri kuwira panguva dzakaoma, kana kuti inofanira kuwedzera chikwereti chako ), saka zviri nyore kuti vape basa iri.
Kukurudzira Kubhadhara Chikwere Chikoro
Nyo yewebhu yakazadza nzvimbo dzinovimbisa zvikwereti zvisingabhadharwi zvikwereti.
Iwe unowanzopindira kuti uwane chiyero chekuedza, enda kuona zvikoro zvako, uye unofanira kubhadhara mari yekubhadhara (mushure memwedzi kana kuti). Zvisinei, unogona kubvisa kubhadhara uye kubvisa zvikwereti.
Kunyange zvazvo nzira iyi inogona kukupa chikwereti chekwereti pasina nguva, iwe unofanirwa kutamba nepakati pezvikwata kuti uite zvose zvinenge zvichitengeswa (uye unofanira kuyeuka kubvisa kubhadhara kwako kuti usabhadhara). Mukuwedzera, iwe uri kuisa maonero ehupenyu hwemamwe mawebhusayithi akasiyana, saka njodzi yekuvhara zivo inowedzera . Pakupedzisira, zita rako uye ruzivo rwekutsvaga runoguma mune zvakawanda zvekutengesa mazita uye iwe unofanirwa kubhadhara mutengo (nenzira yekutsvaga kwekutsvaga) kwemakore anotevera.
Free Credit Scores Kubva kune Vashandi Vechidiki
Zvakare, iyo FICO chikwereti chikoro ndiyo inonyanya kukosha yezvikwereti zvikuru.
Zvisinei, unogona kuwana dzimwe nzira dzakagadzirwa netsika kubva kumabhizimisi akasiyana-siyana. Zvikwereti zvekwereti uye mawebsite ezvemari anonyanya kugadzirwa mune zvikwereti zvekwereti anopa zvikoro izvi, dzimwe nguva pasina. Izvo zvinotarirwa kune imwe yeruzivo yakafanana inoshandiswa muFICO yako purogiramu, uye vanoongorora chikwereti chako uchishandisa firidzo yakafanana.
Unoda mienzaniso miviri here? Nzvimbo dziri pasi apa dzinopa hurukuro (izvo zvingave zvisingaverengeki FICO) kune nhengo. Urongwa urwu harusi kuvimbiswa kwekambani idzi, uye hapana chivimbo chokuti uri kuwana chibvumirano chakanaka, asi aya ndiwo anozivikanwa:
- Credit Karma
- Quizzle
- Credit.com
- Credit Sesame
Zvimwe zvikwata hazvishandisi zvakafanana neFICO shanduro iyo yako inoshandisa chikwereti (dzimwe nguva inonzi "FAKO" scores), asi inogona kukupa imwe pfungwa yekuti zvikwereti zvipi zvinofunga nezvekwereti yako. Chenjerera kuti munguva yakapfuura aya maitiro akareba kunge akakwirira kudarika fikiti yako yeFICO - zvichida hapana munhu anoda kuva mutakuri wemashoko akaipa.