Ziva Izvi 9 Nyaya Dzakakosha Pamusoro Pokugadzirisa Kwereti Yako
Zvakaoma kufamba nzara yanhasi ine chikwereti chakaipa uchifunga nhamba yekambani dzinoshandisa chikwereti chako kuti uone kana iwe ungaita bhizinesi newe uye kuisa mahara ako. Vashandi vane nhoroondo yekwereti inotambudza kazhinji vanotsvaka kugadzirisa chikwereti kunatsiridza chikwereti chavo kuti vave nenguva yakajeka mune zvemari. Kushandisa kambani yekugadzirisa chikwereti kunowanzoita sechinhu chakanakisisa, asi inowanzosarudzwa kusarudzwa.
Sezvaunofamba nekugadzira chikwereti uye kuongorora nzira yakanakisisa yekwereti yako, hezvino zvinhu zvakakosha zvikuru kuziva nezvekodzero yekugadzira chikwereti.
1. Unogona kuzviita iwe pachako.
Vanhu vazhinji vanofunga kuti makambani ekugadzirisa zvikwereti chete anogona kubatsira kugadzirisa chikwereti, asi chokwadi ndechekuti kambani yekugadzirisa chikwereti haigone kuita chinhu chaunogona kuita iwe pachako. Pane zvakawanda zvemashoko anowanika mumabhuku uye paIndaneti iwe unogona kushandisa kudzidzisa iwe pachako kuti chikwereti chinoshanda uye chii chaunogona kuita kugadzirisa chako chikwereti .
Kubvisa ruzivo rwakashata , somuenzaniso, kunogona kuitwa nemaitiro sekukweretwa kwemakakatanwa kukakavadzana, chikwereti kuvimbiswa, kubhadhara kubvisa, uye tsamba dzekunaka. Zvizhinji zveizvi ndezvimwe nzira dzekugadzirisa zvikwereti zvinokonzerwa nemari kuti uwane ruzivo rwakasunungurwa kubva mubhuku rekwereti yako. Kuzviita iwe pachako kwete kungokuponesa mari chete asi kunokupa simba uye kutonga pamusoro pako pachako chikwereti chenhoroondo.
Panogona kunge pane dzimwe nguva mune ramangwana rako raunoda kuvandudza chikwereti chako uye kana iwe ukagona kuzviita iwe pachako, haufaniri kutora rubatsiro kubva kune kambani.
2. Kubhadhara chikwereti ndechekupa chikwereti chekwereti, kwete chikwereti chako.
Paunenge uchigadzirisa chikwereti chako, iwe uri kunyanya kushanda kuti uvandudze ruzivo rwekwereti yako yechikwereti.
Izvi ndizvo zvinozoita kuti uve nechikwereti chakanaka kana chikwereti chakashata uye ndicho chikonzero chekwereti yako chikwereti.
Kuongorora chikwereti chekwereti ndicho chinhu chokutanga chaunofanira kuita kana wagadzirira kutanga kushanda pachikwereti chako. Iwe unogona kuwana kopi yepachena yemukana wako wekwereti kamwechete pagore kubva kune imwe neimwe yezvikwereti chikuru zvekwereti - Equifax, Experian, uye TransUnion - nekushanyira www.annualcreditreport.com.
3. Chikwereti chako chikoro chinokubatsira kuona kuti chikwereti chako chinomirirei.
Pasinei nokuti iwe une chikwereti chakanaka kana chakaipa chinowanikwa pane zvaunowana muhupoti yako yechikwereti. Zvisinei, zvakaoma kutarisa mushumo wako wekwereti uye uudze kana chikwereti chako chakanaka kana chakaipa. Ndicho chikonzero kutarisa chikwereti chako chikoro chinobatsira mukugadzirisa chikwereti. Chikwata chechikwereti chakaderera chinoratidza chirwere chechikwereti chakashata chinoda kushanda Sezvo chikwereti chako chikoro chiri nani, chiratidzo chekuti chikwereti chenhoroondo yako chinowedzera.
Chikwereti chako chikoro chakavakirwa pazvikamu zvishanu zvemashoko: mari yekubhadhara, chikwereti chekwereti, nguva yekwereti yekwereti, mhando dzekwereti dzekwereti, uye zvichemo zvekukwereta munguva pfupi. Kuvandudza chikwereti chako mune chimwe nechimwe chezvinhu izvi kuchawedzera kukunda chikwereti chako.
Kana iwe waizotenga chikwereti chako chikoro nguva dzose paunoda kutarisa utano hwako hwekwereti, hunogona kuwana mari inodhura.
Kushandisa nhepfenyuro yemari yechikwereti isingabhadharwi seKwere Karma kana kuti Credit Sesame ichakubvumira kutarisa chikwereti chako kufambira mberi pasina mari. Paunenge uchinyora kushandiswa kwekwereti, tarisa chimwe chisingabvunzi kadhi rechikwereti. Kana zvisina kudaro, kune mukana unogona kunge uchinyora kusununguka kwekutsvaga kwekutsvaga iyo inotanga kukumanikidza mwedzi mumwe nomumwe kusvikira warega mabasa.
4. Kubvisa ruzivo rwakarurama rwakashata rwakaoma.
Kusimbiswa kune zvakarurama . Zvikwereti zvekwereti zvinongobvumirwa zviri pamutemo kubvisa zvinyorwa zvisinganzwisisiki kubva kumurairo wako wekwereti. Pasinei nokuti izvo zvisingazivikanwi zvakanaka kana kuti zvisina kunaka hazvina maturo. Icho chokwadi iyo ruzivo rwakarurama runokubvumira kuti uibvise kubva kumurairo wako wekwereti, kwete kuti hazvina kunaka.
Kana ukanyatsorondedzera ruzivo rwakashata runokuvadza chikwereti chako, zvakaoma kubvisa ruzivo urwu nokuti zvikwereti zvekwereti zviri mukati mekodzero dzavo yekupa ruzivo urwu.
Muzvokwadi, kuvimbika kwechikwata chekwereti kunobva kune chikwereti chekwereti chinoshuma zvose zivo yakarurama, kunyange ruzivo rwakashata.
Pane dzimwe nzira dzokubvisa ruzivo rwakashata rwemashoko - senyaya yekusungirirwa kwechikwereti iwe unokweretesa chikwereti. Iyi nzira inogona kutora nguva yakawanda nekushingaira pane sarudzo yekwereti yemakakatanwa. Nokuda kweizvi nhoroondo dzekwereti chikwereti chekugadziriswa (chekuchengetedza masangano), kuripa kubvisa, uye zvikumbiro zvekubvisa zvakanaka zvakanaka ndiyo nzira dzakanakisisa.
5. Kuita chinhu chingave chirongwa.
Mashoko asina kunaka haazorambi ari pamushumo wako wechikwereti nokusingaperi. Nyaya dzakawanda dzakaipa dzicharamba dzichiri pamushumo wekwereti yemakore manomwe. Kune zvishoma zvisiri izvo. Chitsauko 7 kubhadhara uye zvisina kubhadhara mitero yemitero inogona kuramba uri pamushumo wekwereti kwemakore gumi. Mari dzisina kubhadhara dzinogona kuramba dziri pamushumo wekwereti yako kuburikidza nemutemo wehurumende wekukwanisa kwechikwata ichocho kana chikamu chacho chinopfuura makore manomwe.
Kana kambani iri kusvika pedyo nekukwereta kwemari yechikwereti, kurindira iyo kuwa kunogona kusanyanya kudzvinyirira nekupedza nguva kudarika kuedza kubvisa iyo nhaurirano netsamba kana maitiro akafanana.
Kusiyana nekutenda kwakakurumbira, kutora nhanho pabhuku rakaipa hakuwedzeri chikwereti chekupa chikwereti nguva. Saka, kana iwe uchibhadhara chikwereti chemakore matanhatu, pamwe chete, icharamba ichibvisa chikamu chako chekwereti mushure memakore manomwe.
6. Kuvhara nhoroondo hazvizobatsiri.
Pane kutenda kwakapararira kuti mabhuku akazaruka chete anowanikwa muhupoti yemunhu wechikwereti, kuti kupfigira kambani kuchaibvisa kubva kumushumo wavo wechikwereti. Ndine urombo kukugumbura iwe kana iwe uchivimba kuti iwe unogona kuchengetedza chikwereti chako nekuvhara kambani inokupa matambudziko. Mune zvimwe zviitiko, kupfigira kambani kunogona kukuvadza chikwereti chako chikoro.
Kuvhara kambani hakuiti kubvisa kubva kumurairo wako wekwereti. Zvose zviri maererano nekambodha yakavharwa zvicharamba zvichirongwa pamushumo wekwereti yako sezvakataurwa nevatengi vako.
"Vasati vavhara nhoroondo, vatengi vanofanirwa kufunga nezvimwe zvinhu zvinosanganisira zvikwereti zvekwereti, zvakadai sehurefu hwenguva iyo nhoroondo yave yavhurwa," anodaro Nancy Bistritz, Mutungamiri weWorld Relations and Communications weGlobal Consumer Solutions kuEquifax, mumwe we iyo huru nhatu huru yechikwereti . "Kana iwe wakaratidza nzira dzakanaka dzekuita kwenguva yakagadzikana nekodha (kureva, kubhadhara nguva nguva dzose), nekuvhara iyo account ingasave yakanzwisisika."
Kana iyo nhoroondo iri mumamiriro akanaka kana inogona kudzorerwa muhumi hwakanaka nekubata pane zvakaitika kare, zvichiita kuti nyaya yakasununguka inogona kukubatsira kugadzirisa chikwereti chako. Iwe unoda mazarura akazaruka, anoshingaira nemashoko akanaka ekubhadhara kuti uvandudze chikwereti chako. Kuvhura nhoroondo itsva nekakaipa chikoro chikoro zvingave zvakaoma kuitira kuti kugadzirisa maakare kare atovhura kungava nyore.
7. Makambani ekugadzira chikwereti kazhinji haana kuvimbika.
Makambani ekugadzira chikwereti anoita basa rakakura rokusimudzira mabasa avo kune vanotambura vanotengesa vanoda mari yakanakisisa asiwo havanzwisisi zvakajeka kuti chikwereti chinoshanda sei kana kuti zvakadini zvavanoita pamusoro pezvikwereti zvavo.
Makambani akawanda ekugadzirisa zvikwereti anoita zvivimbiso zvakakwirira - anowanzovimbisa kuti havagoni kuzadzisa - kutengesa mari yepamusoro uye kukundikana kuendesa pamabasa avo. Zvose izvi zvinorambidzwa nemutemo weRussia, asi vatengi vasina kujaira nemutemo havangacherechedzi kuti vari kutorwa zvakashata kusvikira zvanyanyisa.
Kwemakore mashoma apfuura, Federal Federal Commission yakashandisa mazana akawanda emakambani ekugadzirisa chikwereti avo vakaputsa mutemo. Makambani aya anowanzotarisirwa kubhadhara mari yakawanda uye pane dzimwe nguva akarambidzwa kuita bhizinesi mumhizha yekugadzirisa chikwereti.
Pane zviratidzo zvishomanana zvauri kuita nekambani yekugadzira chikwereti chekugadzira chikwereti : vanokukumbira kuti ubhadhe mberi zvisati zvaitika mavhisi, taura nezvekubatana nehurumende kana ukama hwakanaka nemabhadharo ebhadhara, unovimbisa chikwereti chekwereti, unovimbisa kubvisa ruzivo rwakarurama kubva chikwereti chako chekwereti, kukundikana kukuzivisa iwe kodzero yako yekupikisa mashoko zvakananga nemabhadharo ebhadhara, kana kukumbira kuti udzikinure kodzero dzako pasi peCredit Repair Organizations Act.
8. Haugoni kutarisira husiku humwe.
Zvinotora nguva kuvakazve yakaipa chikwereti chenhoroondo. Mari yako yechikwereti inofunga nezvekunakidzwa kwako kwekwerekiti kudarika zvimwe zvinhu zvekare. Nhoroondo yakanaka yechikwereti inowanzo ine nhamba shomanana yezvinyorwa zvisina kunaka uye zvizhinji zvechangobva kugadzirisa ruzivo rwekwereti. Mwedzi mishomanana ye--kubhadhara nguva ndiyo danho riri munzira yakarurama, asi haigokupa chikwereti chakanakisisa pakarepo. Sezvo nguva ichipfuura uye ruzivo rwakashata runobuda kana kuti runokura, uye iwe unotsiva nemashoko akanaka, uchaona chikwereti chako chichivandudza zvishoma nezvishoma.
Kugadzirisa chikwereti chakaipa kunotora nguva , saka zvakakosha kuti uve nemoyo murefu nekuita. Nguva yakawanda inotora inogona kusiyana kubva kumunhu kusvika kune mumwe munhu zvichienderana nehuwandu hwehupoti yako yekwereti uye kuti uri kutora sei chikwereti kugadzirisa. Iwe unogona kuona kukurumidza kukurumidza apo chimwe chinhu chinodzingwa kubva kumushumo wekwereti yako.
Uyezve, chikwereti chako chikoro chinogona kuchinja panguva yekugadzirisa chikwereti sezvo ruzivo rwemukwereti wako rukwereti rwunochinja. Usashamiswa nemadonhwe mukwereti yako . Funga nezvemaitiro evhudziro rako rechikwereti pane imwe nguva pane pane kuchinja kwezuva nezuva.
9. Chekwereti yako yakagadziridzwa haizoperi kana iwe usingashanduki tsika dzako.
Vanhu vazhinji vanoenda kuburikidza nekugadzirisa chikwereti - kana vachizviita ivo pachavo kana kuti vachibhadhara kambani - saka vanogona kukwereta mari, kune chikwereti kana chikwereti chemari, somuenzaniso. Hapana chakaipa nechinhu ichi. Vanhu vazhinji, zvinosuruvarisa, vanozviwana zvakare mumamiriro ezvinhu akafanana nokuti havakwereti zvakakodzera, vanopedzisira vane chikwereti chakawanda kudarika zvavanogona kugadzirisa uye kudzokera shure mukuita kwekushayikwa kuripo.
Kana iwe uchida chikwereti chako chakanaka chichiguma, iwe unofanirwa kutora tsika dzinozochengetedza zvakanaka chikwereti . Izvi zvinoreva kukwereta izvo chete zvingaita kuti uwane mari yekubhadhara (uye zvichida kunyange zvishomanana). Kubhadhara zvikwereti zvako pane imwe nguva pane imwe yezvinhu zvakanakisisa zvaungaita nokuda kwekwereti yako.
Nancy Bistritz anoti, "Kana zvasvika kune creditworthiness, mutemo mukuru wechimbaridzo chekuyeuka ndeyekubhadhara zvikwereti zvako nenguva nguva. Vatengesi nevateresi vanoda kuziva kuti wakakwanisa kugutsa zvipikirwa zvako zvemari nenguva nguva dzose. Nokudaro, kubhadhara zvikwereti nenguva kunokosha, maitiro ekusimbisa kutanga. "