Kana uine chikwereti chakashata kana pasina chikwereti, chinangwa chako hapana mubvunzo kuti uwane chitupa chakanaka chechikwereti.
Haisi magic. Iwe haugone kuwedzera zvakananga zvinhu kune repoti rako rechikwereti. Pane kudaro, unofanira kutarisira kune vako vane chikwereti nevakweretesi kutumira zvishandiso kune zvikwereti zvekwereti zvichibva munhoroondo yako yebhuku.
Kune zvikwereti zvitatu zvekubhadhara chikwereti : Equifax, Experian, uye TransUnion. Vanokweretesa vanoita bhizinesi pamwe chete vanogona kungozivisa chikwereti chenhoroondo yako yekwere kune imwe yamahofisi kubva paukama hwavo huripo nehofisi iyoyo. Bureaus haina kugoverana ruzivo nemumwe pasi pemamiriro ezvinhu akadai kuitira kuti pane mukana wekumwe maakaunti ako angangowanikwa pane rimwe repoti rekwereti.
Nzira Yakakosha Yokubhadhara Nhoroondo Yakavakwa
Mwedzi woga woga kana kuti iwe kadhi rako rechikwereti uye vanokweretesa vanotumira sarudzo yemamiriro ako ehutano. Vanoudza chikwereti bureaus yako ikozvino, mari yekubhadhara, uye mamwe mashoko pamusoro peakaunti yako. Ndini ruzivo urwu runobatsira kuvaka chitupa chenhoroondo yakanaka, kufunga kuti nhoroondo yako yekodhi yakanaka.
Izvozvo zvinoreva kubhadhara panguva yakakodzera uye zvikwereti zvekadhi rechikwereti .
Zvinotora nguva kuwedzera ruzivo rwakanaka kune ripoti rako rekwereti saka usatarisiri kuti zviitike usiku humwe, kana kunyange mumavhiki mashoma. Iwe unogona kubatsira nzira kuburikidza nekuve nemwoyo murefu uye mune zvemari.
Zvakadini Kana Usina Ainyorwa?
Iwe unoda kuzarura, kushingaira, nhoroondo dzakanaka kuti uwane chitupa chakanaka chekwereti.
Kana iwe usati uine maakareji akazaruka, unogona kuedza kushandisa mhando dzemakadhi emakwereti kana zvikwereti kune vanhu vasina chikwereti kana chakaipa chikwereti , sekadhi rakagadziriswa kana kadhi rechikwereti chekwereti. Uye, kana iwe usingakwanisi kugamuchirwa iwe pachako, hama yako kana shamwari inogona kunge yakagadzirira kukunyorai kana kukuita iwe mushumiri ane kodzero pane imwe yemakadhi avo emakadhi.
Shandisa Maakaunti Ako Nzira Yakarurama
Paunenge uri kuedza kuvaka chitupa chenhoroondo yakanaka, unoda kudzivisa zvinhu zvinokuvadza chikwereti chako . Izvi zvinosanganisira kubhadhara kunonoka, kukwereta kwemari chikwereti, uyewo maitiro akawanda emakadhi echikwereti.
Tanga zvishoma. Tarisira kutora chikwereti chiduku chete uye zvikwereti, pakutanga, kureva kudarika $ 1 000. Vanhu vane chikwereti nevakweretesi vachave vachida kukuwedzera chikwereti kwauri kana wakaratidza kuti iwe unogona kuva nemhosva nechinguva chiduku. Usashandise chikwereti chako chakawanda uye udzorere zvaunokwereta pane imwe nguva mwedzi mumwe nomumwe.
Nhoroondo Dzakanyatsotaurwa
Kana mushumo wenyu wechikwereti uine nhoroondo dzisina kunaka dzinofanirwa kuva dzakanaka, unogona kushandisa chikwereti chekwereti mhirizhonga yekuita kuti mashoko acho agadziriswe. Somuenzaniso, ruzivo rwekwereti yako rungaratidza kuti iwe wakanonoka pamutero waunoziva iwe wakabhadhara panguva.
Kugadzirisa zvikwereti zvekwereti chikwereti, unoda kutumira tsamba yekukakavadzana kune zvikwereti zvekwereti zvichitaura kukanganisa uye kupa chero humwe uchapupu hunoratidza kuti ruzivo harwuna kururama.
Ihofisi ichatsvaga uye inodzokorora mushumo wako wechikwereti kana kupota kuri kutsigira kudai kwako. Kana zvisingaiti, unogona kutevera nemakakatanwa zvakananga nebhizimisi rakashuma kukanganisa.
Mimwe Miripo Haibatsiri Kubhadhara Mari
Haasi yose yemari yaunobhadhara mwedzi mumwe nomumwe inowanikwa kune zvikwereti zvekwereti nguva dzose. Semuenzaniso, foni yako, cable, uye auto inshuwarheni mari haibatsiri kuvaka chitupa chenhoroondo, kunyange paunobhadhara panguva. Zvisinei, kana iwe usina kukwana pazvikwereti izvi (nokuva mwedzi yakati wandei zvinopesana), kubhadhara kwekupedzisira kunogona kuwedzerwa kune ripoti rako rechikwereti uye kukuvadza kufambira mberi kwako pakuvaka chikwereti chakanaka chekwereti.
Cherechedza kubhadhara chikwereti chekugadzirisa maitiro uye mapurogiramu ekuvandudza chikwereti chako chikoro. Makambani ekugadzira chikwereti haavi neropafadzo nekwereti yako yekwereti yausinawo.
Kuvaka chitupa chakanaka chekwereti hachisi chakaoma sezvinoita. Vhura nhoroondo uye ubhadhara chikwereti pane imwe nguva mwedzi mumwe nomumwe uye uri kuvaka chitupa chinyorwa. Ipa nguva yakati uye, nekufamba kwenguva, uchakwanisa kupa zvikwereti zvakakura zvekadhi uye chikwereti.