Kutungamira kune Post-Bankruptcy Credit Repair
Iyo nhema yakapararira yokuti kufungidzira kubhadhara kunoparadza chikwereti chako nokusingaperi. Kunyange zvazvo chiri chokwadi kuti kubhadhara kunokanganisa kwakanyanya kune chikwereti chako, nematanho chaiwo unogona kuwana mvumo itsva zvakare. Kuparara kuchagara pane chikwereti chekwereti kwemakore gumi uye pazvinyorwa nedare rekugadzirisa nokusingaperi, asi chikwereti hachizove chiri pamiganhu kwauri kwenguva yakazara yenguva. Iwe unogona kugadzirisa chikwereti chako mushure mekunge uchinge wapera mari yako kuti uwane chikwereti chako chekudzokera shure.
01 Ita kuti chirongwa chako chekwereti chiratidze zvakajeka kubhadhara kwako.
02 Rongedza zvimwe zvikanganiso pamutero wekwereti yako.
Chikamu chekugadzirisa zvikwereti chiri kuita kuti mhizha yako yechikwereti isina zvikanganiso. Ongorora zvese zvinyorwa zviri pamushumo wekwereti yako, kunyange izvo zvisiri chikamu chekugadzirisa kwako, uye kukakavadzana kukanganisa kuti vabvise kubva muchikwata chako chekwereti. Iwe unogona kushandisawo mubhadharo wekudzima uye nzira dzekunyora tsamba dzekunakidza kuti ubvise zvimwe zveruzivo rwakashata kubva kumushumo wekwereti.
03 Ramba uchibhadhara asiri-kubhadhara zvikwereti panguva.
Hasi nhoroondo dzenyu dzose dzichabatanidzwa mukuputsa, semuenzaniso, zvikwereti zvevadzidzi hazvikwanisi kubudiswa mukunamatira. Nzira dzakanaka dzinobhadhara dzichakubatsira kuvandudza chikwereti chako chekwereti munguva, naizvozvo iva nechokwadi chekuti unoramba uchibhadhara chero makadhi emakadhi kana zvikwereti zvaisina kubatanidzwa mubhuku rako rekubhadhara. Iwe unofanirwa kuenderera mberi nekubhadhara pane zvinyorwa zvisiri pamutemo wako wechikwata nokuti zvinogona kuziviswa gare gare kana iwe ukasara kumashure pamitero.
04 Usaparadza nguva kana mari kuedza kubvisa chikwereti.
Uchaona zviziviso kubva kumakambani ekugadzirisa chikwereti vanoti vanogona kubvisa kubhadhara kubva mune repoti rekwereti. Havagoni kuita izvi sepamutemo kana bhadha rakarurama. Kana iwe uchiedza kupikisa kubhadharisa, inongodzoka seyakatsigirwa. Uyewo, nzira dzinoshandiswa nemakambani ekugadzirisa zvikwereti kubvisa kubhadhara kubva kune chikwereti chekwereti haisi pamutemo uye dzimwe nguva zvinokonzera mamwe matambudziko munguva refu.
05 Tora chikwereti chitsva.
Ichi ndicho chimwe chezvipingamupinyi zvikurusa zvekugadzirisa mushure mekushungurudza chikwereti chekugadzirisa, asiwo chimwe chezviito zvakakosha zvikuru zvekuvakazve chikwereti chako. Kune zvikwereti zvekwereti izvo zvinobvumira vatsvaki vane nhoroondo yekushungurudza, asi kana musina ruzivo mune imwe yematsika emakadhi emakadhi, tsvaga kadhi rechikwereti rakachengetedzwa . Makadhi emakwereti akachengeteka anoda kuti iwe uite chekuchengetedza mari, asi kana iwe ukaita zvikwereti panguva yakakodzera kwegore, mutori wemakadhi angashandura kadhi yako kune asina kuchengetedzwa. Ramba uchiyeuka kuti chikwereti chichava chakanyanya kudhura mushure mekunge iwe wafa.
06 Itai mari yako yekadhi yekwereti panguva.
Zvinhu zviviri izvo zvichazobatsira zvikuru chikwereti chako chikoro ndezvenguva uye yakanaka yekubhadhara kadhi rechikwereti. Kana ukangowana kadhi rechikwereti - kana rakachengeteka kana risina kuchengeteka - ita mari yako pamwedzi mwedzi mumwe nomumwe. Kunyange zviri nani, kuripa chikwereti chako chakakwana kuti uzvichengetedze kuti usadzoke zvakare mune chikwereti dambudziko.
07 Chengetedza zviyero zvekadhi rechikwereti pasi.
Vashandi vane zvikwereti zvakanakisisa zvekwereti vanochengetedza zvikwereti zvekadhi rechikwereti pasi. Izvi hazvirevi nezvehuwandu hwemari yako inobhadhara iwe mwedzi woga woga, asi pamusoro pehuwandu hwaunotenga iwe pakutanga. Chikwereti chekwereti chikwereti chinogona kuudza chikoro chako chekwereti panguva ipi zvayo mumwedzi, saka unoda kuve nechokwadi chekutengesa 30% yekwereti yako yechikwereti, pasi pe10% kunyange zviri nani.
08 Shandisa mari itsva zvishoma.
Chikamu chekwereti yako chikwereti chinotarirwa kuti ndezvipi zvitsva zvinowanikwa zvikwereti zvekwereti. Dzivisa kuisa mune imwe kadhi kadhi rechikwereti kana zvikwereti zvezvikwereti panguva imwe chete, kunyanya kana uri kutendeuka. Zvitsva zvitsva zvichazoita kuti vanokweretesa vatye kukubvumidzai nokuti vanofunga kuti munogona kunge muchida chikwereti.
09 Tora zvishoma.
Kana iwe ukapinda mukukurumidza kuvakazve yako chikwereti chikamu, iwe unogona kugumisa kukanganisa kunogona kungotadzisa kufambira mberi kwako kwekwereti. Saka, tora nguva yako kutenga chikwereti chako kumashure. Tora iyo imwe mubhadharo panguva. Paunowana kadhi kadhi rechikwereti, chengetedza zvaunogona kutenga uye ubhadhe mari iripo mwedzi woga woga. Zvinotora kutora makore akawanda, asi iwe unogona kuwana hukuru hwekwereti chikoro pane nguva.