Vashandi vari muboka iri vanoonekwa se "chikwereti chisingaonekwi," zvinoreva kuti havana chikwereti chinyorwa nemamwe mapurisa matatu munyika yose, Equifax, Transunion, Experian, kana "kusakanganisika," zvinoreva kuti chikwata chekwereti hachina basa kana kuti hapana chaicho chezvino .
Asi vanowana sei apo zvinoita sokuti chikwereti chikwereti chinodiwa kuita zvese zvinhu zvose?
Zvinorevei Kuti Hazvikwereti
Kusina chikwereti chikwata hachisi chokuvhiringidzika nekuva nekodzero yekwereti shoma kana yakaipa chikwereti. Uye hazvirevi nguva dzose kuti mutengi haana chikwereti chenhoroondo.
Iko Fair Fair Corporation, iyo inobereka FICO Score, inotaura kuti kuti zvikwereti zviitwe, mharidzo yako yechikwereti inofanira kunge "yekuti imwe nhoroondo yakavhurwa kwemwedzi mitanhatu kana kupfuura, uye imwe nhoroondo yakave yakanyorerwa kumahofisi echikwereti mukati memwedzi mitanhatu yapfuura. "Saka zvinoita kuti mutengi ave nechikwata chekwereti asi hapana chikwereti chekwereti, sezvazvingava zvakadaro kune vatengi vanobhadhara chikwereti chavo vovhara maakare avo.
Iwe haufaniri kuva nechikwereti chekwereti semugumisiro wezvishoma kana kusipo kwekwereti yemari, kana iwe uri kufunga kuvhara maakaunti ako mushure mokubhadhara chikwereti pasi, uzive kuti hupenyu husina chikwereti chekwereti hunogoneka-asi haisi nyore nguva dzose.
Heano mamwe mamiriro ezvinhu umo kusina chikoro chekwereti kunogona kuunza dambudziko.
Kuvakira Imba
Kubhadhara imba isina chikwereti chikwereti kungada chikamu chiduku pane yako kuti uwane muridzi weimba achashanda newe. Makambani makuru ekuchengetedza anowanzotora nhamba yakawanda yezvidzidzo munzvimbo dzakawanda dzimba uye anotarisira kuvimba zvikuru paFICO Scores.
Kune rumwe rutivi, kana iwe uchikwereka kubva kune kambani duku kana mumwe munhu, vangave vakanyanya kuchinja mune zvavanoda zvekwereti chikwereti. Kutaura uchiudza mutenzi weimba iwe unenge usina chikwereti chekwereti vasati vatarisa vanofanira kuwedzera mikana yako yekutenda kwavo.
Kutsvaga Basa
Iwe ungangodaro wakanzwa kuti vanotarisira vashandi vanogona kutarisa chikwereti chako. Kunze kwekuti iwe ushanda mune imwe yenyika 11 iyo inorambidza basa risati rapera chikwereti chekuongorora , ichocho ndechechokwadi-nemvumo yako, uyo anogona kushandira angangotarisa chikwereti chako munguva yekushanda kwemabasa.
Asi ndiwo mashoko ari muhupoti yako yechikwereti iwe uri kuvabvumira kupinda, kwete yako chikoro zvidzidzo. Kusavapo kwekwereti chikwereti hakuzokanganisa kupinza mazano.
Kuchengetedza Car Inishuwarenzi
Makambani emishuwarisi emotokari anotora chikwereti chenhoroondo munguva yekunyora pasi. Zvisinei, vanoshandisa imwe chikwereti-based based inshuwarano iyo yakabva pane zvinyorwa mubhuku rako rekwereti, kwete yako chaiyo chikwereti chikoro.
Maererano neProgressive, "Nhamba yeinishuwarenzi inoratidzirwa kubva pane ruzivo pamusoro pehupoti yako yemarikiti ... tinovandudza nzira yedu nekuongorora tsanangudzo inotevera kubva kuvanhu vatinenge tiine inshumo: nhoroondo yematambudziko uye yveshuwarisi; credit report information. "
Chikwereti chako chikamu hachisi chinhu chekuchengetedza motokari yemotokari, apo chikwereti chenhoroondo yako.
Kuwana Masejeri uye Kugadzirisa Nhengo Dzakanyorwa
Mamwe foni uye vashandisi vevashandi vanotarisa chikwereti chenyu kana vachiwedzera basa kwamuri. Asi ivo vanosiyana nenzira yavanoongorora kushayikwa kwezvikwata.
Vamwe vanopa rubatsiro vanongorega izvozvi kubva pazvisarudzo zvavo, asi vamwe vangave vasati vatambanudzire mitero yavo yakanakisisa kana zvirongwa zvebasa kwamuri kana kuti vachada mari.
Kushandisa Chikwata Chekutengesa
Kubhadhara mari yekutenga pasina chikwereti chekwereti kunoda kushanda asi kunogona kuitika.
Iko rinotora chikwereti pasi pekunyoresa rinotsanangurwa uye rakagadzirisa, uye somugumisiro, vazhinji vanokweretesa vanoisa kuwanda kwakakura pachikwereti chikoro kuti vaongorore chikwereti chako.
Zvisinei, vamwe vanotora zvikwereti vanoita zvinyorwa zvinyorwa pasi apo vanoongorora faira yako pasina chikwereti chekwereti.
Kazhinji, iwe uchada kupa uchapupu hwekuwedzerwa kwe-nguva yekubhadhara yemakore nekuda kwekwereti yako isina chikwereti kufanana nebhadha, foni, zvishandiso, uye mamwe mabhiriro emwedzi.
Iwe haunzwisisiki kuwana bhanhire rakagadzirira kunyora pasi rekutenga chikwereti pasina chikwereti chekwereti, asi iwe une zvingasarudzwa pakati pevadiki vaduku, vatengesi vepaIndaneti, mabhengi emunharaunda, uye zvikwereti zvekwereti.
Upenyu Husina Chikwereti Chekwereti
Zvinokwanisika kupona pasina chikwereti chekwereti . Zvisinei, isu tinorarama munyika inokweretwa chikwereti, izvo zvicharamba zvichiita pasina mamiriro akaoma pane dzimwe nguva. Hazvibviri Here? Aiwa. Ehe.
Zvakakosha kuziva izvo zviri mberi kwako iwe unofanira kusarudza kusava nechikwereti chekwereti uye kusarudza kana iyo ndiyo nzira yakarurama kwauri.