Kuvaka chikwereti pakarepo kana iwe uri munhu mukuru ndiyo inokosha yekudzivirira nyoka apo iwe unofamba mukati mehupenyu hwezuva nezuva. Kushandisa kadhi rechikwereti zvine musoro ndeimwe yenzira dzakakosha dzokutanga kuvaka chikwata. Zvisinei, kana iwe uri kupesana nemakadhi emakwereti kana kuti usasakwanisi kuwana imwe, kuziva kuti kuvaka sei chikwereti pasina kadhi rechikwereti unyanzvi hunokosha. Zvinogoneka kuvaka chitupa pasina kadhi rechikwereti, unofanira kungotora nzira yakasiyana.
Cherechedza kuti kusina kadhi rechikwereti kunogona kubhadhara chikwereti chako chikwereti- 10 muzana yekwereti yako chikoro chinobva pamhando dzekodha dzaunosangana nazvo. Kuratidza iwe unogona kuva nemhosva pamwe chete nemakadhi echikwereti uye zvikwereti zvekugadzirisa zvikwereti zvakanakisisa kune chikwereti chenhamba. Kusina kadhi rechikwereti kuchiitiko chako chekwereti hazvizoiti kuti iwe uwane chikwereti chechikwereti. Mushure mezvose, zvinongova gumi chete zvezana zvekwereti yako chikoro.
Imwe nzira yekushandisa zvikwereti zvekwereti kuti uwane chikwereti chako chikwereti ndechokushandisa chikwereti, kunyanya kubva kune chikwereti icho chinoshuma kune imwe yematatu makuru emari chikwereti. Imba yako yekubhadhara chikwereti inofanira kuonekwa pane yako repoti rekwereti kuti ikubatsire kuvaka chikoro chako. Zvimwe zvikwereti zvakaoma kuwana kune vamwe, saka zvinobatsira kuziva zvaunogona kuita.
Tanga Kudzokorora Mari Yako Yevadzidzi
Zvikoro zvehurumende zvekubhadhara zvinowanzopiwa kune imwe chiyero chero bedzi iwe wakanyoresa chikamu chechikamu mune imwe nzvimbo yakakodzera.
Iwe unogona kutanga kubhadhara chikwereti chemudzidzi wako paunenge uri kukoreji kuti utange kuvaka chikwereti chako chikoro. Kumirira kusvikira wapedza kudzidza ndeyekusarudza. Chero nzira, iva nechokwadi chokuti iwe unobhadhara pane imwe nguva mwedzi woga woga yako chikoro chikoro pasina kadhi rechikwereti.
Vadzidzi vega vega vanokweretesa vanewo sarudzo, asi zvakaoma kuwana kana iwe usati wava nekwakagadzirirwa chikwereti chenhoroondo uye mari yakakodzera.
Shandisa Mutengo Wemari Wemari
Chikwereti chekukwereta chikwereti chakafanana nekodhi rakachengetwa kadhi rechikwereti . Kana ukangobvumirwa, mari kubva pachikwereti inowanikwa mu-akhawunti yekuchengetera kana CD kusvikira iwe uchibhadhara chikwereti. Zvadaro, mari iri mune mari yako ndeyekuchengeta. Nhoroondo yako yekubhadhara yakabatanidzwa pamushumo wekwereti yako, kuitira kuti mari yako yemazuva ako iwedzere kuwedzera chikwereti chako chikoro chero bedzi iwe uchiita zvose zvaunotora pamwedzi pane nguva uye usingaiti.
Tarisa kuti uone kana nzvimbo yako yekodhi yemunharaunda inopa chikwereti chekuvaka chikwereti. SelfLender.com inopa an online credit builder loan program.
Dzorera chikwereti kana Mutoro wemotokari
Sezvo zvose zvikwereti nemari yemari yemotokari inoshuma kune chikwereti chemarikiti , chimwe cheizvi chichakubatsira iwe kuvaka chikwereti chako. Chikamu chakaoma chiri kugamuchirwa kune imwe yei kunze kwekwakagadzirirwa chikwereti chenhoroondo. Nekuwana mari yakakwana uye yakanaka kubhadhara, unogona kukwanisa kugamuchirwa.
Kana uchida mari yako, unogona kukwanisa kubhadhara chikwereti chakatsigirwa ne Federal Federal Administration, kana une gore rimwe chete re-nguva yekubhadhara mari, kubhadhara panguva yakakodzera pamitemo yako yose, uye kwete maakaiti muzviunganidzi kunze kwezvikwereti zvezvechiremba .
Kana iwe usingakwanisi kukweretesa chikwereti iwe pachako, unogona kukwanisa kuwana munhu (ane chikwereti chakanaka) kukupa iwe.
Icho chinonyadzisa ndechekuti kuburitsa kazhinji kacho pfungwa yakaipa . Munhu anokuratidza chikwereti newe anogona kutongerwa chikwereti chemari yako yezvikwereti kana, nokuda kwechimwe chikonzero, iwe haugone kuzvipa iwe pachako. Marikiti inotora nguva inobata chikwereti chekosigner sezvinongoita zvaanoita iwe. Uye, kana iwe pakupedzisira uisa bhadhaki, muchengeti wekodhi ari pachikwereti chechikwereti chose kunze kwekunge vaisawo mari.
Bharai Kuti Muitore Nguva
Mari yako yekubhadhara inogona kukubatsira iwe kuvaka chitupa chekwereti kana mwene weimba yako achikwereta mari kuburikidza neAxpan RentBureau. Chero chikamu chemuti weimba inoshuma iyi data uye chete kune rimwe bhengi rechikwereti. Experian haina kugoverana nekambani yemakambani nemamwe maviri makuru makuru emari. Kana uri muridzi wemba, tarisa neimba yako weimba kuti uone kana zvikwereti zvako zvekubhadhara panguva yakatarwa zviri kuendeswa kuna Experian mwedzi mumwe nomumwe.
Alternative Credit Scores
Traditional credit scoring inowanzoenderana nenyaya yako yekukwereta mari kuburikidza nekwereti yemakadhi uye zvikwereti. Hazvifungidzi kuti haisi mari yekubhadhara yakakosha iyo iwe inoita mwedzi woga woga semhando yako yekubatsira, kadhi, uye foni musimboti. Zvimwe chikwereti chikwereti, saizvozvi kubva kuPayment Reporting Build Credit , inoshandisa ruzivo rusina tsika kuti uwane chikoro chako chekwereti. Kunyange zvazvo PRBC ichikupa mukana wokuratidza tsika dzakanaka dzekubhadhara, vazhinji vanobhadhara chikwereti, vateresi, uye mamwe mabhizimisi vachiri kuvimba nemadzitateguru ezvokukweretesa chikwereti kuti vaite zvisarudzo pamusoro pekushandisa kwenyu.
Zvaunofanira Kuchenjerera
Chenjerera zvikwereti zvinotangira mberi uye zvimwe zvikwereti zvinokweretwa zvinotapira vanhu vasina chikwereti kana chakaipa chikwereti. Izvi zvikwereti zvinowanzobvumidza kuti zvibvumirwe uye kukumbira imwe mhando yekubhadhara mberi.
Payday zvikwereti , chikwereti chezvikwereti, uye zvikwereti zvepawn zvingakubatsira iwe kuvaka chikwereti chako. Pamusoro pemigumisiro, chikwereti chemari yekubhadhara kana chikwereti chechikwata chinogona kukuvadza chikwereti chako chikoro kana iwe usina kukwana uye iyo nhamba inotumirwa kuhomwe. Sangano rekuunganidza raizozivisa kudengenyeka kune zvikwereti zvekwereti, kukuvadza kukwanisa kwako kuvaka chikwata chakanaka chekwereti.