Nzira 7 Dzokuvandudza Kubhadhara Kwako Kwechikwata Chekushandira Chikwata

by LaToya Irby

Zvaunofanira Kuita Usati Wanyorera Mutorwa

Zvinonyanya kukosha kudarika kare kugadzirira chikwereti chako chekubhadhara mari. Kuchenesa chikwereti chako chekwereti uye kuwedzera chikwereti chako chikamu chichavandudza mikana yako yekugashira. Kana chikwereti chako chakanga chakanaka, kuchengeta icho chichava chinhu chinokosha mukuvhara muhuwandu hwechibereko .

1. Chengeta Zvinyorwa Zvako Zvekwereti

Paunenge uchiita sarudzo yako, chikwereti chekubhadhara chikwereti kutarisa zvinhu zvitatu zvikuru: mari yakasimba, kubhadhara mari, uye yakasimba chikwereti chenhoroondo .

Kuongorora chikwata chako chekwereti kuchakubvumira kuona kana pane chimwe chinhu chiri kukuvadza chikwereti chako. Iwe hauzombozivi kuti chikwereti chipi chekwereti bhangi chichakwevera, saka chengeta zvitatu zvavo. Iwe unogona kuwana kopi yakasununguka yezvinhu zvitatu zvinokwereta chikwereti pa AnnualCreditReport.com.

2. Nhaurirano Mashoko asina kururama

Kushatiswa kwemashoko kunogona kukuvadza chikwereti chako chikwereti uye shandisai chikumbiro chako. Bvisa chero humwe ruzivo rwakashata kuburikidza nharo nekodhi bureau . Kana iwe uine uchapupu hwekanganiso, kupa kwacho kuchabatsira kubvuma kuti kukanganisa kwabviswa mubhuku rako.

3. Bhadhara Mazano Akawandisa

Nhoroondo dzakashata dzinosanganisira chero nguva dzekupedzisira, zvikwereti-zvikwereti, zvikwereti mukutora, uye kutonga. Vanhu vanotora chikwereti vanokweretesa vanofanira kugutsikana kuti muchaita kuti mubhadhara nenguva.

Zvinyorwa zvinoshamisa zvinouraya mikana yako yekuwana chikwereti. Chengeta mabhuku ose aripo panguva ino asati apinda mushure mekuisa chikwereti chekubhadhara mari.

4. Kuviga Delinquencies neMaripo Yenguva Ino

Iwe unofanirwa kugadzira muenzaniso wekubhadhara panguva yakakodzera kuti uwane chibvumirano chekubhadhara mari uye uwane kukwikwidzana kwehuwandu hwechikwata.

Kana iwe uine mvumo yekukurumidza kubhadhara - kana iwe wakangobva kubhadhara mamwe maitiro - tarisira kwemwedzi mitanhatu usati wakumbira kubhadhara mari. Iyo yakakura kudengenyeka, zviri nani kutora chikwereti chako.

5. Deredza Kuderedza Chikwereti Chako-ku-Kuwana Ratio

Chikwereti chako pasi pekunyora chichaita mubvunzo kwako kukwanisa kwako kuita mari yako yekubhadhara kana iwe uine chikwereti chekwereti chakaenderana nemari yako. Bvisai chikwereti chako chemwedzi pamwedzi kusvika 12% yemari yako - yakaderera, iri nani. (Mushure mekunge mawana chikwereti, chikwereti chenyu chekuwana-chekuwana chichawedzera, asi hachifaniri kunge chakakwirira kudarika 43% yemari yako.)

6. Tarisa FICO Yako Chikamu

Raira maEidifax neTransUnion FICO Zvikoro kubva pa myFICO.com kuti uwane pfungwa yekuti chikwereti chako chinomirirei. Yako FICO chikamu chinofanira kunge chave chinenge 720 kuti uwane chido chakanaka chechikwereti. Kana uwandu hwako hwakadzika kupfuura izvozvo, verenga nhaurirano yakabatanidzwa kuti uone kuti chii chiri kuunza chikoro chako pasi. Cherechedza: Kunyange zvazvo vateresi vachiri kushandisa, Experian hairege kutendera vatengi kutenga FICO chikamu chakawanikwa Experian credit report data. Kana iwe uchida kuwana mhizha yako Experian chikwereti chikoro, unogona kutenga VantageScore kana kutenga matatu-mu-imwe chikwereti chikwereti kubva kuErififax kana TransUnion.

7. Usasvibisa chikwereti chipi zvacho chitsva

Kutora chikwereti chitsva kunogona kuita chikwereti chekubhadhara chikwereti chekugadzikana kwako kwezvemari - kunyange kana chikwereti chako chinoramba chiri pasi pe12% yemari yako. Zvakanakisisa kuti ugare kure nedzimwe zvitsva zvekubhadhara chikwereti kusvikira wapedza kuwana mari yako. Izvo zvinosanganisira kushandisa ma kadhi yemakadhi, kunyanya sezvo zvikwereti zvemibvunzo zvinokanganisa chikwereti chako.