Chimboona Chii Chinokuvadza Mota Yako
Kuti uvandudze chikwereti chako, iwe unoda kunzwisisa chii chiri kuita kuti chikwereti chako chikwere chakaipa.
Iwe usati waita chimwe chinhu, ronga kopi yako yekwereti yemari uye chikoro chekwereti . Iwe unogona kuraira zvose zvitatu chikwereti chikwereti chekwereti chikwereti uye chikamu, kana iwe unogona kutanga nemumwe chete. Kana uri kutsvaga nzira yekuderedza mari (zvikwereti zvikwereti uye zvikwereti zvinogona kuva $ 20 uye zvichi), kune nzira shomanana dzokuti uwane mahwendefa emakwereti uye chikoro chikoro.
Tarisa pane chikwereti chako. Ndiyo nhamba nhatu nhatu pakati pe300 ne850 kana iwe wakaraira FICO kana zvimwe zvikomborero kana pakati pe550 ne990 kana iwe wakaraira Vantage Score . Muzviitiko zvose izvi, unofanirwa kuva ne tsanangudzo yekuti sei chikwereti chako chikoro. Semuenzaniso, kukwidziridzwa kwekwereti, maverengi mashomanana, kana maitiro ekupedzisira angangodaro angave achikanganisa chikwereti chako.
Zvadaro, dzokerai mushumo wenyu wechikwereti kune dzimwe nhoroondo dzakashandiswa nepamusoro-soro kana kudarika. Kana zvinhu zvisina kunaka zvisiri izvo, zvibvise zvabviswa nekukakavadzana ne -credit bureau kana kuti fomu yemashoko.
Kukurira Wako Kubhadhara Kwekuita Nhoroondo
Kana mushumo wenyu wechikwereti uine maitiro akawanda, iwe uchada kubhadhara zviyero zvakatarwa zvekare uye uchatanga kuwedzera zvikwereti kune chikwata chako chekwereti. Vhura maakaunti matsva kuti utange kuvaka imba yakanaka yekubhadhara kana dzimwe nhoroondo dzako dzose dzavharwa. Nemhaka yehuwandu hwemapato ako, unogona kunge uchinetseka kugamuchirwa kune kadhi rechikwereti rechikwereti.
Nenzira yakanaka, pane zvimwe zvingasarudzwa pakutsvaga kadhi rechikwereti rine mvumo yakaipa sekadhi rakagadziriswa, kadhi rezvitoro rezvitoro , kana chikwereti chekuvaka chikwereti.
Kana ukangowana kambani itsva, ita mari yako yose pamwedzi pane imwe nguva, kunyange kana zvinoreva kuisa mutero wekutengesa. Chinokosha ndechekufukidza nhoroondo yako isina kubhadhara nemari yakanaka.
Lower High Credit Ushandisa
Kushandiswa kwekwereti yakakwirira kunoreva kuti zviyero pamakadhi ako ekwereti uye zvikwereti zvakakwirira maererano nechikwereti chemari kana chikwereti chepakutora chikwereti. Kugadziriswa kwekwereti yakashandiswa kunongoratidzika nyore - kuripa pasi izvo zviyero. Zvechokwadi, izvi zvinogona kutora nguva yakawanda kana usina mari yakakwana yekuunza zvikwereti zvekadhi rako rechikwereti mukati me10-30% yechikwereti chekwereti.
Iwe unogona kuvhara zviyero zvako zvakapoteredza nenzira inoshandiswa kushandisa. Somuenzaniso, kana imwe kadhi rechikwereti iri pamakore 50% uye imwe yacho ine $ 0 muyero, unogona kutora chikamu chemari kusvika kunyange kushandisa kwako. Kuti ubudise izvi, iwe unofanirwa kuve nechokwadi chekuti chikamu chekadhi chekwereti chiri pasi pe30% yemuganhu. Usakanganwa kutora mari yekubhadharisa kutora muchisarudzo chako. Zvinogona kunge zvisingabatsiri kusiya chikamu chako pazviri uye kungochibhadhara zvakanyanya.
Kutaura nezvekushandisa mari yechikwereti , kana iwe uchitanga nehitsva dzekadhi rechikwereti , iva nechokwadi chekuchengeta zviyero izvi mukati me10 kusvika ku30% yemukwereti wechikwereti . Ndicho chimiro chakanakisisa pakuvaka chikwata chakanaka chekwereti . Zvose zviri pamusoro zvinogona kukuvadza chikwereti chako.
Iva neKutengesa Kwekwereti
Kuva nekukanganiswa kwekwereti kwekodhi kunokosha nekuti inoratidza vatengi kuti une ruzivo rwemarudzi akasiyana eakaunti. Marikiti yemakadhi yakasiyana nedzimwe chikwereti chemari uye kana iwe ukakwanisa kutora zvose zviri zviviri zvakanaka, iwe uri mungozi wechikwereti pane vakwereta vasina kumbova nemumwe kana mumwe.
Kana iwe uchida chikwereti chechikwereti pane chikwereti chako chekwereti, tarisa kune chikwereti chekambani. Zvimwe zvikwereti zvezvikwereti zvinopa zvikwereti zvinokwereta zvikwereti kuti zvibatsire kusimbisa yakaipa chikoro chikoro . Kana ukangobvumirwa kubhadhara chikwereti, nheyo yacho kubva pachikwereti inowanikwa munyaya yekuchengetedza inotakura.
Iwe unoita nguva dzose, mwedzi pamwedzi kubhadhara chikwereti, kwete kubva mumari iri muakaunti yekuchengetedza, asi kubva kune iwe pachako mari. Mari dzako dzakabhadharwa dzinoshandiswa kune mari yechikwereti mwedzi woga woga. Kana imwe chikwereti ichibhadharwa, kuchengetwa uye kufarira ndeyako. Chikwata chekuvakwereta chikwereti chinewo sarudzo yekuwedzera zvikwereti kune chinyorwa chechikwereti chine zvishoma kana kwete maakaiti.
Iva nechokwadi kuti Uri kushandisa MaAkaunti Akare
Nguva yekwereti yako yekwereti ndeye 15% yekwereti yemari yako. Nzira iri nyore yekuvandudza chikwereti chako chekwereti munharaunda iyi ndeyekuti mabhengi ako ekwereti atore. Iva nechokwadi chekuti unoshandisa kero yako yekare yechikwere nguva nenguva kuti iite yakashanda. Kana iwe uchitendera kuti kamba iende yakanyanya, haigoni kupiwa sehuwandu hwakawanda mune chikwereti chenhoroondo yako. (Dzimwe kadhi makabudisi kunyange kukonzera mabhuku akawanda.)
Nguva yakawanda kubvira kubva pakutanga iwe wakatanga chikwereti chenhoroondo chikamu chimwe chete chikamu chekuti chikwereti chikoro chekuverenga chinotarira sei nguva yako yechikwereti. Ivhareji yezera remabhuku ako ose ndeimwe chikonzero. Kuzarura akawanda maakaunti matsva kunogona kuderedza chikamu chako chekwereti yezera rechikwereti, saka usavazarura zvisina kufanira. Asi zvechokwadi, kuzarura maakaunti sezvaunoda kuti ubatsire chikwereti chako pane dzimwe nzvimbo.
Regai Ongororo Ichangobva Kupera Zera
Mhinduro dzinowanikwa pamushumo wekwereti yako nguva dzose paunoshandisa chikwereti. Kusiyana nedzimwe ruzivo rwakashata, mibvunzo inongoramba iine chikwereti chekwereti yako kwemakore maviri, asi inongogadzirisa yako chikwereti chikamu kwemwedzi gumi nemaviri.
Mhinduro ndeye 10% chete yekwereti yako chikoro, asi zvinodaro, vanogona kukukanda kubva 600 kusvika 540. Mushure mekunge mazarura mabhuku mashoma matsva kuti muvakezve chikwereti chenhamba yenyu, regai mibvunzo iyi yezera musati mafunga nezvekuwana chero zvinyorwa zvitsva.
Ipai Nguva Yacho
Iwe unogona kunge uchitove uchiita zvinhu zvose zvakanaka - wakazarura dzimwe nhoroondo itsva, wakabatwa pamusoro pezvipfeko, iwe wakabhadhara pasi zviyero zvako, uye uri kubhadhara zvikwereti zvako panguva - uye zvisati zvaonekwa kunatsiridza mukwereti yako chikoro. Chinhu chakanaka chaunofanira kuita ndechekumirira. Zvinotora nguva kuti chikwereti chako chikwanise kupora kubva pamashoko asina kunaka , nokuda kwekubvunzwa kwekubva pamushumo wekwereti yako, uye nokuda kwenhoroondo yakanaka yekubhadhara kuwedzera zvakashata zvakapfuura. Iva nemoyo murefu uye chengetedza chikwereti chako chikoro mumwedzi mishomanana kuti uone kuti ndezvipi zvinokonzera ngozi zvinoramba zvichiratidza chikoro chako.