Sesa Up Your Credit Repair ne Goodwill Letters
Chikamu chikuru chekugadzirisa zvikwereti kunosanganisira kuwana zvinhu zvakabviswa kubva kumugumo wako wekwereti. Zvimwe zvinhu zvisina kunaka zvaunogona kubvisa kubva kumushandi wako wekwereti, zviri nyore kuti uwedzere chikwereti chako. Zvinosuruvarisa, kubvisa zvinhu zvisina kunaka hakusi nyore nguva dzose, kunyanya kana zvinhu izvi zvisina kunaka zvichirondedzerwa.
Nhoroondo yekwerekiti yemakakatanwa inoshanda kana pane zvinhu zvisina kunaka pamushumo wekwereti yako isingafaniri kuvapo.
Somuenzaniso, unogona kukakavhura zvigaro zvisiri zvako kana zvinhu zvakapfuura chikamu chekupa chikwereti chikwereti . Zvisinei, kukakavara kwakanyatsorondedzerwa ruzivo hakuwanzobudiriri nokuti vateresi vanovhura ruzivo urwu nemabhadharo emarikiti hazvibvise kubva kumushumo wekwereti yako.
Kana iwe uchiripo chikwereti pane imwe nhoroondo isina kunaka, unogona kukwanisa kutaurirana kuti uibvise kubva kumushumo wekwereti yako mukuchinjana kubhadhara chikamu. Iri sarudzo inonzi "kuribharira."
Paunenge watobhadhara chikwereti chacho, hauna chikwereti chaunoshandisa sechinhu chakanaka chekuita kuti chibvise kubva kumushumo wekwereti yako. Pane kudaro, unogona kushandisa tsamba yekufadzwa kuti ubvunze kubviswa kwezvikwereti zvekwereti yekwereti yawakatove wakabhadhara.
Chii chine Goodwill Letter?
Tsamba yekunakidza ndeye tsamba yaunotumira kune vako vane chikwereti ichikumbira kuti vabvise kana kuti varege kuudza ruzivo rwakashata kubva kumushumo wenyu wekwereti sechinhu chakanaka.
Vanhu vane chikwereti havakwanisi kubvisa ruzivo rwakarurama kubva kumurairo wako wekwereti kunze kwekuti mashoko acho asina kururama. Zvisinei, kana iwe uine zvimwe zvishoma zvakasara zvikwereti mukati mezvimwe zvisina kunaka nhoroondo yechikwereti , vamwe vanoita chikwereti vachava zvakanaka uye vanobvisa (kana kurega kuudza) kutora nguva.
Kufanana netsamba dzose iwe unotumira kune vane chikwereti, tsamba yako yakanaka inofanira kuva yakfupi uye iri nyore.
Taura iyo nhaurirano yaungada kuigadzirisa, taura nezvehutano hwako hwekubhadhara, rondedzera zvishoma kuti chii chakakonzera kuti iwe ufewe mari iyo, uye kumbira kuti ripoti rako rechikwereti rishandurwe sechiremerera. Ita kuti inzwi rako rive rakanaka uye ruremekedzo uye usapomera kana kupa mhosva munhu ane chikwereti.
Tumira tsamba yako yekunakidza kune kero yemunhu ane chikwereti pane zvakanyorwa pamushumo wekwereti yako kana mutemo wekubhadhara munguva pfupi. Iva nechokwadi chokuti iwe unoshandisa kero yekunyorerana, kwete iyo kero iwe waunotumira tsamba yekubhadhara. Shandisa mail yakavimbiswa kuitira kuti ugone kusimbisa kuti tsamba yako yakaitora. Kana pasina kero pakero rekwereti , kana kuti iwe usingagamuchiri mhinduro munenge mazuva manomwe kusvika kune gumi emazuva ebhizinesi, tsvaga imwe kero pamusika wekwereti.
Creditor Response
Mushure mokugamuchira tsamba yako yekunakidza, vamwe vateresi vachavandudza mushumo wenyu wechikwereti. Vamwe vachati havagoni kubvisa zviri pamutemo kubva kumurairo wako wechikwereti. Ive myFICO maforamu anosanganisira tsamba dzakawanda dzakabudirira dzinofadza. Tsamba idzi dzinowanzokumbira vatengesi kuti vaite "kugadziriswa kwekugutsikana" pane kunyatsokumbira vabhadhara kuti vabvise ruzivo rwakashata . (Kubvisa ruzivo rwakashata kanowanzoputsa kuvabhadhara chikwereti nezvikwereti zvekwereti.)
Letter vs. Phone Call
Iwe unogonawo kuita chido chakanaka chikumbiro foni panzvimbo yekutumira tsamba, asi kakawanda kupfuura kwete, vamiririri vevashandi vanopindura foni havana simba rekuita mhando idzi dzekuchinja ku-akhawunti yako. Kana iwe ukagona kutumira foni kune mumwe munhu akakwirira-kambani mukambani, iwe unogona kunge (asi kwete 100%) kuti uwane chikumbiro chako chakapiwa.