Mhedziso Pfupi Pamusoro pekuti Chikoro cheShoko Chikoro
Kana iwe uchangotanga kuvaka chikwata chako kubva pakutanga, zvinotora mwedzi mitanhatu usati wawana chikwereti chekwereti zvachose.
Iko chikwereti chekushandiswa kwegorgorithm inoda iwe kuti uve nekodha imwe yega yega inoshanda kwenguva shomanana yemwedzi mitanhatu isati yakwanisa kukupa chikwereti chekwereti kwauri.
Chikwereti chako chikoro chakavakirwa pane ruzivo rwemaripoti yako yemari. Icho chikwata chechikwata chinoratidza kuti iwe wakabata sei chikwereti munguva yakapfuura. Pasina chero ruzivo pamusoro pehupoti yako yechikwereti, hapana chikwata chekwereti chinogona kuitirwa iwe.
Kana uchinge wave nekero yakazarurirwa kwemwedzi mitanhatu, ipapo chikwereti chako chikoro chinogona kugadzirwa. Chikwereti chikoro chinoverengerwa zvichienderana nemari yako yekubhadhara, chikwereti chekwereti, chikamu chenguva yawakambova nechikwata nechikwereti, marudzi eakarenda waunosangana naye, uye nhamba yezvikwereti zvekwereti zvawakangobva kuita.
Usati Watanga Kuvaka Chikwereti
Chero ruzivo rwakashata ruzivo rwekwereti yako yekwereti inogona kuita kuti zvive zvakaoma kukuvaka chikwereti chako. Somuenzaniso, kana une chikwereti chekare chekuunganidza kana zvimwe zvikwereti zvisina kubhadhara zvinokuvadza chikoro chako, zvakanaka kuti utarisire izvi usati watanga kuedza kuvandudza chikwereti chako chikoro.
Kodzero yako kune ripoti rakarurama rechikwereti inokubvumira kupikisa zvikanganiso nemabhadharo emarikiti. Iwe unogona kuziva kana pane zvikanganiso pane yako chikwereti chinyorwa nekutsvaga yako yega pasina AnnualCreditReport.com. Kana iwe ukaona zvikanganiso, iwe unogona kunyora kune mari yechikwereti achikumbira kuti vabvise zvinhu zvisina kururama kubva kumurairo wako wekwereti.
Kana uine uchapupu hwekanganiso, tumira kopi kuti ubatsigire kuda kwako. (Chengetedza yepakutanga pane zvinyorwa zvako).
Nzira Dzokukurumidza Kuvaka Chikwereti
Mushure mokunge mave nekutaura nenyaya isina kunaka pachikwereti chenyu, kana mune chimwe chinhu, danho rinotevera ndotanga kuwedzera mashoko akanaka.
Iva mushumiri ane kodzero pane imwe kadhi rechikwereti . Kuva mushumiri ane kodzero kunoreva iwe unokwanisa kushandisa kadhi rechikwereti remunhu, asi kwete basa rekubhadhara. Kana uchinge uri mushumiri ane kodzero, iyo yose nhoroondo yekodha yakawedzerwa kumurairo wako wekwereti uye inowanikwa mukwereti yako. Kana iwe wakawedzerwa kune kadhi rechikwereti, rinofanira kunge riri shamwari kana kuti nhengo yemhuri yekodha nechechi chengoro uye hapana nhoroondo yekubhadhara nguva.
Wana kadhi rechikwereti rakachengeteka kana maviri, ane chikwereti chakakwirira chepamusoro kana uchikwanise kutenga . A kadhi yemakadhi yakachengetwa zviri nyore kuti zvigamuchirwe kana iwe Iwe unogona kudzora chikwereti chekwereti pane kadhi rakweretwa rakachengetedzwa nekubhadhara mari yakachengetedzwa yakachengeteka. Kuva nemhosva nemiganhu yakawanda yechikwereti kunobatsira kukurudzira chikwereti chako uye kukubvumira kuti uwane makadhi ekukwereta asingachengeteki ane makero ekukwereta.
Iva nechokwadi chokuti iwe unobhadhara pane imwe nguva mwedzi mumwe nomumwe . Kana uchinge uine nhaurirano yako, kubhadhara nenguva ndiyo chinhu chakanakisisa chaunogona kuita kuti uwane chikwereti chakanaka chekwereti.
Mari yekubhadhara ndiyo chinhu chikuru chinokonzera chikwereti chako chikoro. Kunyanya panguva yekubhadhara nguva iwe, zviri nani. Pamwe chete, iwe unongoda kuita kuti mari shoma yebhadharo yako iongororwe panguva, naizvozvo chinangwa chekubhadhara zvishoma nezvishoma zuva rakakodzera mwedzi mumwe nomumwe.
Chengeta zviyero zvekadhi rako rechikwereti pasi . Chinhu chechipiri chikuru chinokanganisa chikwereti chako chikwereti chikwereti chekwereti chaunotakura. Kuchengeta kadhi rako rekwereti chikwereti pasi pe30 muzana chekwereti chikwereti chakakosha pakuvaka chikwereti.
Chii Chaunofanira Kudzivisa Paunenge Uchivaka Chikwereti
Paunenge uchishanda kuti uite chikwereti chako nokukurumidza, unoda kudzivisa zvikanganiso zvinogona kupera.
Dzivisa kutora makadhi akawanda emakadhi panguva imwe muedza yekuvaka chikwereti chako chikamu nokukurumidza. Kuva nezvikwereti zvakawanda zvemakadhi hazvizoiti kuti chikwereti chako chikwanise kupfura nepadenga.
Kutaura zvazviri, kuzarura zvikwereti zvakawanda zvekwereti munguva shomanana zvinogona kukuvadza chikoro chako chekwereti munguva pfupi. Kwete izvozvo bedzi, kutora mamwe makadhi emakwereti kupfuura iwe unogona kubata kunokuisa pangozi yekuripira nguva refu, kufamba kunenge kuchikuvadza chikwereti chako.
Ramba kurega kutenga mabhizimisi . Dzimwe makambani ekugadzirisa zvikwereti anokwanisa kukubatsira kuti uwedzere chikwereti chako chikwereti nekukutengesa iwe maritemo-maakare nekodzero dzakagadzirirwa dzekwereti iwe unogona kungowedzera zita rako kune kukurumidza kukwereta chikwereti. Chikwereti chekambani makambani anoshandiswa zvakakosha kuti ataure kana uri mubvumirwe wemvumo yakagamuchirwa pane imwe nhoroondo kubva kune imwe hama uye kana wawedzerwa kuigwaro nekuda kwechinangwa chekuwedzera mari yako yechikwereti.
Ramba uchifunga, kuvaka chikwata chako chinosanganisira iwe kuratidza kuti iwe unogona kushandisa chikwereti zvine musoro. Kuva neakazaruka, nhoroondo dzinoshanda iwe uri kubhadhara pane nguva ndiyo nzira inokurumidza yekuvaka chikwereti chako.