Mari yako yepamwedzi ndeye yemitemo inokosha zvikuru yaunobhadhara mwedzi mumwe nomumwe. Zvose iyo yekubhadhara mari yakakodzera nguva inofanira kuverenga chimwe chinhu, chakanaka?
Nenzira imwechete, kubhadhara imba yakafanana nemari yechikwereti chemwedzi 12 yaunobhadharwa mumakamuri maviri emwedzi. Zvichida ndivo vatongi vanoshandiswa pavanoshandiswa pavanotarisa mushumo wenyu wechikwereti vasati vatora dzimba kwamuri. Kubvira ipapo, kubhadhara kwekodzero yakakodzera kunofanira kubatsira chikwereti chako chikwereti, kunyanya sezvo kubhadhara mari yekubhadhara uye kubviswa kunogona kukanganisa zvachose chikwereti chako.
Izvi hazvizongokuvadzi kukwanisa kwako kukwereta imwe imba, asiwo kuita kuti zvive zvakaoma kuti ugone kugamuchirwa kwekwereti yemakadhi uye zvikwereti.
Zvikwereti Zvikwereti uye Kubika Kwemari
Munguva pfupi yapfuura, dzimwe dzimba dzakadzika kutora mari yekubhadhara mari kuburikidza neLoyBureau inoshandiswa kubhadhara mari yekubika mari iyo iko zvino yava Experian, chimwe chezvikwereti zvitatu zvekwereti. Kana iwe uchikwereta kubva kune muridzi wemba anoshandisa RentBureau, mari yako yemwedzi yekubhadhara ichaonekwa pamaripoti yako yekwereti, nokudaro uwedzere chikoro chako chekwereti - asi chikwata chako chete neOxpan sezvo mari yechikwereti isingagoverani dheta.
TransUnion ine yese inonzi ResidentCredit iyo inobvumira vatariri vemapurisa kuti varondedze zvikwereti zvebhadharo zvakananga kana kuburikidza neshutori yekodha yekodha yechitatu. Nhoroondo yekwereti yekwereti icharatidza chikwereti chokupedzisira chebhadharo chakaitwa, chikwereti chinotevera chebhadharo, nguva yekubhadhara, uye chero zvataurwa pamusoro pekubhadhara kwakanonoka asi kugamuchirwa kusati kwapera mazuva makumi matatu ekupedzisira.
Asi, basa racho rinongowanikwa kune makambani ane zana kana kupfuura. Kana uri kukwereta kubva kumwene weimba duku kana sangano rekuchengetedza pfuma, vangangodaro vasingashandisi ResidentRent.
Kune makambani maduku mashoma anoedza kuunganidza nekupa ruzivo pamusoro pemari yekubhadhara: ClearNow, PayYourRent, RentalKharma, uye RentTrack mimwe mienzaniso miviri.
Ko Kubika Kwegore Kunobatsira Sei Chikwereti Chako Chakwereta
Nepo pave pane humwe hufambira mberi mukukwereta kwekwereti yebhadharo yenguva yakakodzera, haisi kupararira. Kana iwe uchikwereta kubva kune kambani duku kana muridzi weimba, hazvibviri kuti mari yako yokubhadhara ichazoendeswa kumahofisi emakwereti.
Kunyange kana mari yekubhadhara yakabatanidzwa pamushumo wekwereti yako, haibvumirwi kubatsira chikwereti chako. Mune imwe nyaya yenyaya yeNew York Times ya2014, mutauri weFICO akati FICO haisanganisi nhoroondo yekubhadhara muchikwereti chikoro. Izvi zvinoreva kuti kunyange kana renhare yako ichitaurirwa kune chikwereti chemarikiti, haizobatsiri chikwereti chako chikoro. Inogona kubatsira, zvisinei, kana muridzi weimba achiongorora nezvekodhipoti yekwereti iri kutsvaga mazano akanaka.
Mari Yemazuva Ekupedzisira Uye Dzimwe Dhainquence Inenge Yakangoerekana Yakarwadzisa
Pamusoro penyika, kubhadhara kunogona kukuvadza chikwereti chako chikwereti pane dzimwe nguva. Somuenzaniso, kana iwe wakanonoka kubhadhara mari yako, kubvisa mari yako, kubviswa , kana kukundikana kubhadhara mari yekubuda kunze uye muridzi weimba anorondedzera kukanganisa uku kune imwe yezvikwereti zvitatu zvekwereti, kusanganisira Equifax uye TransUnion, iyo inokuvadza chikwereti chako chikwereti. Marenda emakore ekubhadhara akakodzera anogonawo kutumirwa kusangano rekuunganidza iro rinogona kuudza iyo nhoroondo pamushumo wekwereti yako.
Kana muridzi weimba aine kukutora iwe kumatare ekudzingwa, chikwereti chako chikoro chingangodaro chakakanganiswa.
Kushandisa Chikwereti Chekubhadhara Kuti Ubhadze Kutengesa
Iwe unogona kushandisa kadhi rechikwereti kubhadhara renti yako uye kukurisa chikwereti chako chikwereti nenzira isina kuratidzika. Vhura kadhi rechikwereti uye ushandise kubhadhara renhi yako (kana mwene weimba yako achigamuchira kadhi rechikwereti seyo nzira yekubhadhara), ipapo bhadhara chikwereti chako chekwereti zvakakwana mwedzi mumwe nomumwe. Iko yakakodzera nguva kadhi rechikwereti mari inobatsira kusimbisa chikwereti chako. Ngwarira kuti vamwe vagari venyika vanogona kutengesa mari yekugadzirisa kana ukashandisa kadhi rechikwereti kubhadhara renti yako.