Nhamba Yako Yekwereti Inorevei Inorevei?
Chikwereti chako chikamu ndechimwe chezvikamu zvakakosha zvehupenyu hwako. Zvakakosha se nhamba yako yefoni, balance yako yebhangi yebhangi, kana nhamba yako yekuchengetedzwa kwevanhu. Vanhu vane chikwereti nevakweretesi vachaongorora chikwereti chenhamba yako kuti uone kana iwe uchibvumira chikumbiro chako. Iwe unofanirwa kutarisa chikwereti chako chikwereti, zvakare, kuitira kuti iwe uve nechinangwa chezvaunotora chikwereti uye mutengi wako achaona pavanotora chikwereti chenhamba yako.
Ndekupi Kwaungawana Chikwereti Chako?
Iwe unogona kuraira chikwereti chako chikoro - icho chinobva pahupoti yako yechikwereti - kubva pane zvakasiyana-siyana. Chokutanga, unogona kutarisa chikwereti chako chikwereti nokuda kwechimwe chezvinhu izvi: CreditKarma.com, CreditSesame.com, Quizzle.com, WalletHub.com, uye LendingTree.com. Vamwe vane kadhi rechikwereti vanoita kuti chikwereti chenyu chikwaniso chiwanike kana chekutaura kwako kana kuti paIndaneti pawebsite yavo. Pakupedzisira, unogona kutenga chikwereti chako kubva kune imwe huru yemari yechikwereti - Equifax, Experian, uye TransUnion - kana kuburikidza ne myFICO.com.
Paunorayira chikwereti chako chikoro, zvose zvaunazvo pamberi pako nhamba. Kana usina kumbobvira watayira chikwereti chako chikoro zvisati zvaitika, kana kana zvichingove zvishoma kubva pawakapedzisira uongorora chikoro chako chekwereti, iwe ungasanzwisisa zvauri kutarisa. Iwe unofanirwa kuziva kuti ungaverenga sei chikwereti chako chikwanganiso kuti unzwisise kuti chii chaunoreva chikwereti chinyorwa. Makambani akawanda anotengesa chikoro chako chekwereti achawedzerawo chiyero chinokubatsira kuti uverenge chikwereti chako chikwereti.
Ijiji iyo ichakubatsira iwe kuona kana iwe une chikwereti chakanaka kana chakashata uye izvo zvinokonzera chikwereti chako chikoro.
Chikwereti Chako Chakwereta Chinorevei?
Chikoro chenhamba iyi nhamba nhamba nhatu, kazhinji ichibva pa300 kusvika ku850, uye 300 iri iyo yakaderera mari yechikwereti iwe unogona kuva uye 850 ndiyo inonyanya kukosha mari yechikwereti.
Iyo yakakwirira chikwereti chako chikwereti chiri pachiyero, zviri nani iwe chikwereti chako. Zvimwe zvikwereti zvinokonzera mitero zvingashandisa kusiyana kwakasiyana-siyana, asi zvikwata zvepamusoro zvicharamba zviri nani kupfuura zvishoma. Nenzira yakawanda, chikwereti chikoro chinowira pane zvinotevera:
- Pamusoro pe 750: rakanaka chaizvo chikwereti
- 700-750: yakanaka chaizvo chikwereti
- 650-700: zvakanaka chikwereti
- 600-650: zvakaipa
- Pasi pe600: yakaipa kwazvo
High credit credit scores zvinoreva kuti iwe kazhinji wakaita basa rakanaka rekutarisira chikwereti chako munguva yakapfuura. Iwe wakachengeta zvikwereti zvako zvekwereti zvakanaka, wakachengetedza zviyero zvako pazinga rakakosha, iwe wakagadzirisa yako nguva, uye wakadzivisa chikuru chechikwereti chikwereti . Nokukwereta kwekwereti, iwe unowanzova nekadhi rako rechikwereti uye mvumo yekukwereta inogamuchirwa uye nemashoko anofadza zvikuru.
Kune rimwe divi, chikoro chechikwereti chinoratidzira chinoratidza kuti iwe wakanga uine dambudziko kutarisira chikwereti munguva yakapfuura. Iwe unogona kunge wakashandisa zvikwereti zvekadhi rechikwereti chakakwirira, wakakwereta kupfuura iwe waigona kukwanisa kubhadhara, wakashaya zvikwereti zvakasiyana, kana zvichida wakave nekufananidza kana kudzorera. Icho chikwata chechikwereti chakaderera chinoita kuti zvive zvakaoma kuwana kugamuchirwa kwekwereti yemakadhi nemari yako. Kana iwe uchibvumirwa, iwe unogona kuva nehotera yepamusoro.