Chii chinonzi Negative Credit History?
Kuva negore rechikwereti risina maturo kunoreva kuti une zvikamu zvishoma zvemashoko asina kunaka pamusoro pekwereti yako chekwereti - dhiyabhorosi ine zvinyorwa zvemari yako yekubhadhara uye yekambani nevakwereta nevakweretesi.
Zvinhu zvakasiyana zvinogona kukuvadza chikwereti chako, asi chinyorwa chakaipa chekwereti kazhinji chinokonzerwa neakawandisa zvikwereti zvakadai sekubhadhara nguva, kubhadhara chikwereti, kubhadharwa, kubhadhara, kutengesa, kutonga, mitero yemitero, kana kubhadhara pamushumo wekwereti yako. Izvo zvose zvinouya kubva pakushayikwa kwezvikwereti pane maakaunti ako. Imwe kana maviri inononoka kubhadhara iwe pachaga haigone kukanganisa chikwereti chisingabhadharwi, asi zvikwereti zvishoma zvinotora nguva, kunyanya kana iwe wakanonoka pane dzimwe nhoroondo dzakasiyana munguva pfupi.
Kuva nezviyero zvakakwirira pamakadhi emakwereti uye zvikwereti, kana uchienzaniswa nemari yako yemari kana chikwereti chepakutora chikwereti, chinogonawo kutungamirira kune yakaipa chikwereti chenhoroondo.
Nzira Yokutaura Nayo Kana Une Nhoroondo Yakaipa
Kuchengeta chikwereti chako chikoro ndiyo nzira yakanakisisa yekuyera nayo chikwereti chenhoroondo yako.
Chikwereti chako chikwanganiso nhamba iyo inotarisa ruzivo muhupoti yako yechikwereti. Iyo yakaderedza chikwereti chako chikwereti, zvakanyanya kuipa chikwereti chako chekwereti chichava.
FICO zvidzidzo - chimwe chezvinyorwa zvakashandiswa zvikuru zvekwereti yako chikoro - kubva pa300 kusvika ku850. Zvikamu pamucheto wakadzika wezera, kazhinji zvishoma kudarika 650, zvinoratidza chinyorwa chisiri chenhoroondo.
VantageScore ndeimwe rudzi rwechikwereti chikoro, kubva pa150 kusvika ku990. VantageScore inopa ibhadhareji, yakafanana neyechikoro chechikoro, pamwe chete nenhamba yechikwereti chechikwereti zvichiita kuti zvive nyore kutaurira zvinorehwa nemari yako yechikwereti.
Mharidzo yako yechikwereti chikamu chechipiri chekutsvaga nhoroondo yakaipa yechikwereti sezvo iri gwaro rinosanganisira mashoko asina kunaka. Vashandi vari muUnited States vane kodzero yekubhadhara mushumo wechikwereti mushure megore. Iwe unogona kuwana mitsara yako yekusununguka kubva kumaturo makuru matatu echikwereti - Equifax, Experian, uye TransUnion - kuburikidza ne AnnualCreditReport.com. Kana zvisina kudaro, iwe unogona kutora chikwereti chekwereti kubva kumabhadharo ebhadhara kana myFICO.com.
Kuvandudza Nhoroondo Yezvakaipa
Nhoroondo yakarurama yakaipa inogona kuramba iri pamushumo wako wechikwereti kusvika kumakore manomwe (kana makore gumi nekuda kwekubhadhara). Kana ruzivo ruchikuvadza chikwereti chako chekwereti chisina kururama, unogona kukakavhura iyo ruzivo nekwerekiti chekwereti kuti iibvise.
Iwe unogona kukwanisa kubvisa zvinhu zvisina kunaka kubva munhoroondo yako yechikwereti nebhadharo-ye-delete kana tsamba yekufadzwa . Iyo yekare ndiyo chikumbiro chokubvisa ruzivo rwakashata mukutsinhanisa kubhadhara uye iyo yekupedzisira ndiyo chikumbiro chekubvisa zvinhu zvisina kunaka sechinhu chekanaka.
Mabhizimisi haafaniri kubvisa ruzivo rwakarurama rwemashoko kubva kumushandi wako wekwereti chero bedzi izvo zvinhu zviri mukati mekukwereta nguva yekukwereta chikwereti. Kunyangwe kubhadhara nhoroondo yefaini hakushanduki chokwadi chokuti iwe wakambosvibisa.
Izwi rokuti "Nguva inoporesa maronda ose," ndeyechokwadi kunyange kune yakaremara chikwereti chenhoroondo. Sezvo ruzivo rwakashata rwunokura, ruchaita kuti chikwereti chako chikwereke zvishoma. Iwe unogona kutanga kukwanisa kuwana kadhi yemakadhi emakwereti uye zvikwereti, asi iwe unogona kunge usingawani mhinduro dzakanakisisa pane iyo. Iwe unogona kunge uchida kugamuchira mitemo yakaderera uye yepamusoro yemari yehutano kusvikira yako yakaipa chikwereti nhoroondo inowedzera zviri nani. Shandisa izvi nhoroondo kuti uratidze kuti unogona kubata chikwereti uye kuwedzera mashoko akanaka kune chikwereti chenhoroondo yako. Ichakubatsira iwe kuvandudza chikwereti chako uye unokodzera kuwana maakareji akawanda zviri nani mune ramangwana.