Ndekupi kwaungawana pachena uye mari yekubhadhara zvikwereti muIndaneti
Chikwereti chako chikwanganiso nhamba nhamba nhatu dzinoshandiswa nemabhangi kuti dzibvumire chikumbiro chako chekwereti yemakadhi, zvikwereti, nezvimwe zvikwereti-based services. Mabhanki haasi ega mabhizinesi anoshandisa mari yako yekwereti, kunyange zvakadaro. Uchaona kuti makambani ekushandisa, vatengesi, vatengesi vefoni, uye kunyange zvipatara zvose chengetedza chikwereti chako.
Sei Uchifanira Kuongorora Chikwereti Chako Chakwereta
Iwe unofanirwa kutarisa chikwereti chako chikoro periodically kuti uone paunomira, asi kuchitarisa usati waita chikwereti chakakura kana kushandiswa kwemari chikwereti chakanaka zvakare.
Izvozvo zvichakupa pfungwa yekuti iwe uchazogamuchirwa kana kwete uye rudzi rwechido chaunotarisira iwe unogona kutarisira. Vanhu vane chikwereti chikoro chinopfuura 620 vanoona zvakaoma kuwana zvikwereti zvinogamuchirwa uye zvinosara nehuwandu hwemari.
Mhando dzakasiyana dzezvikoro
Chikwereti chikwereti izwi rinowanikwa kune nhamba yepamusoro yehupoti yako yechikwereti. Iko kune zvakananga "maronda" echikwereti chikoro chinoshandiswa. Iko FICO chikamu, chakatumidzwa nevadziri vayo Fair Fair Corporation, ndicho chinonyanya kuzivikanwa chekwereti chikwereti. The VantageScore ndeimwe rudzi rwekodhi yemapurojekiti yakagadzirwa nemitatu yemari yechikwereti - Equifax, Experian, uye TransUnion.
Nzira Itsanu Dzokuwana Chikwereti Chakwereta
Kune nzvimbo shomanana dzakasiyana dzaunogona kutenga chikwereti chako, asi apa pane mamwe anozivikanwa zvikuru.
- MyFico.com . Iyi ndiyo nzvimbo chete apo iwe unogona kutenga chikamu chako cheFICO. Iwe unogona kuraira FICO yako chikamu chinoenderana neshumo rako rekwereti kuEquifax, Experian, uye TransUnion. Kwemakore mashomanana, vatengi vakakundikana kutenga zvidzidzo zvavo zveFICO zvichibva pane Experian credit report data. Ndinofara, FICO naRevenuean vakadzokorora ukama hwavo uye zvakare vachibvumira vatengi kutenga zvinyorwa zveVexan-based FICO.
- Chero chero chezvikwereti zvikwereti . Iwe unogona kutenga munhu wako uye 3-mu-1 chikoro chikoro kubva kune imwe yezvikwereti zvekwereti. Ramba uchifunga kuti imwe nhepfenyuro yekwereti ine chikwereti chayo chekuenzanisa muenzaniso, saka zvikwereti zvako zvikwereti zvinogona kusiyana kubva kune umwe uye zvinogona kunge zvakasiyana nehuwandu hweFICO yako.
- Free websites score score websites . Nhare dzepaIndaneti dziripo zvino dzinopa zvachose kusununguka, kwete-kubhadhara-inoda chikwereti chikoro. Ivo iCreditKarma.com, CreditSesame.com, uye Quizzle.com. Ngwarira chero ipi zvayo yekwereti yekwereti inokukumbira kuti uise nhamba yekadhi yemakadhi. Iwe uri kunyoresa mukutsvaga kwekutsvaga kubasa rekucherechedza chikwereti. Kana iwe usingaregereri kutongwa kwapera, kambani inotanga kuripa kadhi rako rechikwereti yebasa.
- Chikamu chako chekadhi rechikwereti . Vamwe vane kadhi rechikwereti vanobvumirana vari kubatanidzwa mune imwe nhengo yeFICO yese inobvumira vatengesi kuti vaone zvikoro zvavo zveFICO pasina. Kusvika ikozvino, Zivhura , Barclaycard uye First National Bank yeOmaha makadhi emakwereti akanyoresa purogiramu yeFICO. Kana kadhi yako yekubhadhara chikwereti ichibatana, unongofanira kutarisa zvinyorwa zvako zvemwedzi wega wega kuti uone chikamu chako cheFICO chazvino.
- Ive wakarambwa nekuda kwekwereti kana kubvumirwa nemashoko mashoma . Iyi nzira haisi benzi, asi pano ndiyo inoshanda sei. Vatengesi uye makadhi ekubhadhara chikwereti zvino zvinodiwa kutumira kopi yemakadhi echikwereti anoshandiswa muchisarudzo chekuramba chikumbiro chechikwereti kana kubvumira chikumbiro, asi nemashoko mashoma kupfuura ayo akashandiswa. Iwe hausi kuita chero chipi zvacho kuti ugamuchire iyi chikwereti chikoro asi uise mukushanda. Kana iwe uchikodzera, iwe unogamuchira chikwereti chikwereti zvakangoerekana.
Kana iwe usingadi kupinda mumatambudziko ekurongedza chikwereti chako chikoro kana kuti kusayina kwebasa idzva, unogona kushandisa MyFICO.com's free credit score estimator . Icho chiyero chinotora chikwereti chako chikoro chinoenderana nemashoko iwe unopinda pamusoro pekwereti yako yekwereti. Iwe unofanirwa kuziva ruzivo rwekwereti yako yechikwereti kuti uwane kuongororwa kwakarurama kwekwereti yako chikoro.
Kunyange zvazvo pasina mutemo wekodzero dzekodzero dzepasi rose, vatengi vose vane kodzero yekupa kopi yehwaro yemari yavo yechikwereti gore roga roga kubva kunzvimbo dzose dzekwereti kuburikidza negore reCreditReport.com.