Iwe uri kutevera mazano akachenjera nokuongorora chikwereti chako kuti chokwadi chekuona kwaunomira. Zvinosuruvarisa, kana iwe usina kunge uine ruzivo rwakakura nechikwereti, iwe unogona kunge usina chikwereti chekwereti. Usanetseke. Iwe hauna kuita chinhu chakaipa uye iwe hausi woga. Vanhu vanopfuura mamiriyoni makumi mashanu havana huwandu hweFICO, maererano neshumo ye 2015 FICO. Izvi zvinowanzoitika kune vanhu vasina kutora chikwereti chinyorwa, zvikurukuru vechidiki.
Izvo zvinogonawo kuitika kana iwe wakanga uine chikwereti kare, asi zvikwereti zvako zvose zvekwereti zvinoramba zvakasara kwemwedzi inoverengeka.
Zvikonzero Zviviri Zvaungave Usingave Nayo Chikwereti Chekwereti
Kunzwisisa kuti chikwereti chikoro chakaverengwa chinogona kukubatsira sei kunzwisisa zviri nani nei usina chikoro. Chikoro chenhamba nhepfenyuro yenhamba yeruzivo mumushumo wekwereti yako. Iyo yakawanda inoshandiswa kuenzanisa chikwereti chako uye inofanotaura kuitika kuti iwe uchabhadhara chikwereti chako nenguva. Zvikwereti zvepamusoro zvinoratidza kuti iwe unogona kubhadhara chikwereti chekwereti kubva pane zvawakabata nayo chikwereti munguva yakapfuura.
Chikwereti chikoro chakavakirwa pane zvinyorwa mubhuku rako rekwereti, iyo kuumbwa kwemakero ako ekwereti kusanganisira makadhi emakwereti, zvikwereti, uye zvinyorwa zvisina kunaka zvakadai semari yekuunganidza chikwereti kana kutongwa kwemhosva. Kana usina kumbobvira uine chero yemhando idzi dzekodha, izvo zvinotsanangura kuti nei usina chikwereti chekwereti - hauna chikwereti chekwereti kuti uite.
Iti iwe munguva pfupi yapfuura wakashama kadhi rako rechikwereti rokutanga, asi iwe wakangova naro kwemwedzi mishomanana. Iwe unogona kunge uine chikwereti chekwereti zvimwe. Nhamba yeFICO inoda iwe kuti uve nekodha imwe nhoroondo yave iri kushanda mumwedzi mitanhatu yapfuura. Kamwe kambani yako ine nhoroondo yakakwana, iwe uchakwanisa kudzorera chikoro chekwereti.
Iwe unogona kunge uine maverengi akawanda akasaita mumwedzi inoverengeka, makore kunyange. Kana zvakadaro, iwe haungave nechikwereti chikoro, pasinei nokuti une chikwereti chekwereti, nokuti nhoroondo dzako dzose dzisina kushanda kwenguva refu. Unofanirwa kutanga kushandisa makero ako zvakare - chero bedzi ivo vasina kuvharwa-kukwanisa kuva nechikwereti chikoro.
Nzira Yokuongorora Nhoroondo Yenyu Yenhoroondo
Iwe unogona kutarisa ikozvino ikopi yepoti rako rekwereti kuti uone chikwereti chenhoroondo yako. Kana usina kumbobvira uine kadhi rechikwereti, iwe unogona kusakwanisa kuwana ruzivo rwekwereti yako kana. Mushure mezvose, hakungavi nehupoti yekwereti pasina rumwe rudzi rwechikwata chekwereti.
Iwe une chikwereti chikoro chinobva pane imwe neimwe yemari yako yemarikiti kubva kumatatu makuru makuru echikwata: Equifax, Experian, uye TransUnion. Zvinokwanisika kuva nechikwereti chechikwereti nehofisi imwe chete kwete yevamwe kana iyo sarudzo (s) yawakasununguka usati ureve nhoroondo yako kune yese mitatu yemari yechikwereti.
Nzira Yokugadzirisa Nayo Chikwereti Chakwereti
Kuti ugone kugamuchirwa kune makadhi emakwereti uye zvikwereti, unoda kuva nechikwereti chekwereti. Vanokweretesa nevakweretesi vanoshandisa chikwereti chenhamba yako kuti ubvumire chikumbiro chako. Kuwana kadhi rechikwereti rokutanga kunogona kuva rakaoma, asi une zvishoma zvingasarudzwa zvekuwana kadhi rechikwereti paunenge uchitanga nekwereti :
- Shandisa kubhengi rako rekune imwe nyika kana kuti credit union, kunyanya kana iwe uine kero yekuongorora kana kuchengeta ikoko
- Mudzidzi wemakadhi emakwereti, kana iwe uri mudzidzi
- Dare rekutengesa makadhi makadhi
- A kadhi rechikwereti rakachengetedzwa , iro rinoda kubhadhara kuchengetedza chikwereti chako
- Wana kadhi rechikwereti pamwe neshamwari kana hama
- Iva mutevedzeri wemvumo kune shamwari kana hama yekodhi yemakadhi
Mushure mekunge mazarura keroti yechikwereti (iyo inoshuma kune imwe yezvikwereti chikuru zvekwereti) uye wakashandisa kwemwedzi mitanhatu, unofanira kukwanisa kuraira chikwereti chako chikwereti. Iva nechokwadi chekutarisira chikwereti chako nekuchenjera kuti uvake chikwereti chakanaka.