Ko chikwereti chako chinoshandiswa sei
Paunoita chikwereti chechikwereti , uyo ane chikwereti kana chikwereti anoshandisa chikoro chako chekwereti kuti nokukurumidza uite chikwereti / kwete-chikwereti chisarudzo.
Ichi chisarudzo chinogona kunyatsogadzirwa nekungoona chikwereti chako chekwereti, asi chikwereti chekwereti chinoita kuti kuita sarudzo kuve nyore uye zvishoma kuderera.
Vanokweretesa nevakweretesiwo vanoshandisa chikwereti chekwereti kuisa mutengo wekadhi yako yekwereti kana chikwereti. Zvikwereti zvepamusoro zvekwereti zvinokubatsira kuti uwane chikwereti chechikwereti chechikwereti pamakadhi emarikiti uye zvikwereti apo chikamu chechikwereti chechidiki chichaita kuti zvikwereti zvepamusoro.
Zvikwereti zvipi zvakawanda zvaunazvo?
Kunyange zvazvo kune zvikamu zvakasiyana zvakasiyana zvemakadhi echikwereti , iyo inowanzoshandiswa kushandiswa ndiyo chikamu cheFICO (Verenga FICO vs. FAKO) . Yakagadzirwa naFICO, yaimbova Fair Isaac Company, chikwata cheFICO chinoshandiswa nevakawanda vechikwereti uye vanokweretesa kusarudza kana kuti kwete kukukudza chikwereti kwauri.
Chii chinopinda muchikwereti chekwereti?
Nokuti zvimwe zvikamu zvekubhadhara mari yako zvinokosha kupfuura vamwe, zvikamu zvakasiyana zvekwereti yako yekwereti inopiwa zviyero zvakasiyana mukuverenga chikwereti chako.
Kunyange zvazvo kuenzanirana kwakakwana kwekuuya nekwereti yako chikwangwani ruzivo rwehupfumi huri neFICO, tinoziva kuti ruzivo rwakashandiswa kuverenga chikoro chako.
Mari yekubhadhara ndeye 35%
Vatengesi vanonyanya kunetseka pamusoro pekuti kana iwe usingabhadhara zvikwereti zvako nenguva. Chiratidzo chakanaka chezvi ndechekuti iwe wakabhadhara sei zvikwereti zvako munguva yakapfuura.
Kuteerera kwemazuva mashoma , zvikwereti , uye kukanganisa zvose zvinosanganisa mhaka yekubhadhara yekwereti yako chikoro. Mamwe maitiro ekupedzisira akangokuvadza kukuvadza chikwereti chako pane zviya kupfuura zvekare.
Chikwereti chikwata cha 30%
Iko chikwereti chaunacho kana uchienzanisa nemari yako mireji inozivikanwa sekwereti yekushandisa . Izvo zvinowedzera chikwereti chako - kuswedera kwaunoita kumiganhu yako - yakaderedza chikwereti chako chikwereti chichave. Chengetedza zvikwereti zvekadhi rako rechikwereti panenge makumi matatu kubva muzana chekwereti chako chekwereti kana pasi.
Utsi hwekwereti yemakore 15%
Kuva nenguva yakawanda yechikwereti kunofadza nekuti inopa mamwe mashoko pamusoro pemari yako yekushandisa. Zvakanaka kuti urege kuzarura nyaya dzawave uine kwenguva yakareba.
Inquies 10%
Nguva imwe neimwe paunoshandisa chikwereti chekwereti, kubvunzwa kunowedzerwa kune ripoti rako rechikwereti. Zvimwe zvizhinji zvikumbiro zvekwereti zvinogona kureva kuti iwe uri kutora chikwereti chakawanda kana kuti uri mune mamwe mararamiro emari. Apo mibvunzo inogona kuramba iri pamushumo wako wechikwereti kwemakore maviri, chikwereti chako chikamu kuverenga chinongororesa avo vanoitwa mukati megore.
Kusanganiswa kwekwereti ndeye 10%
Kuva nemhando dzakasiyana dzeakaunti kunofadza nekuti zvinoratidza kuti une ruzivo rwekugadzira kusanganiswa kwekwereti. Icho hachisi chinhu chakakosha mukwereti yako chikamu kunze kwekuti iwe hauna zvimwe zvakawanda zvekushandisa iyo inogona kuisa chikoro chako.
Vhura zvinyorwa zvitsva sezvaunoda ivo, kwete kungova nezvinhu zvingaita sekusanganiswa kwakanaka kwekwereti.
Nzira yekuongorora chikwereti chako chikoro
Iwe unogona kutarisa iwe pachako chikwereti chikwata - uye iwe unofanirwa - kuburikidza chero chipi chezvinhu zvakasiyana-siyana zvebasa. Nzvimbo dzinoverengeka dzinopa pachena chikwereti chikoro zvinosanganisira CreditKarma.com, CreditSesame.com, LendingTree.com, uye Quizzle.com. Panogona kunge kune dzimwe nzvimbo dzinoti dzinopa chikwereti chekwereti, asi kana mumwe wavo achitaura nezvekutsvaga kwekutsvaga kana kukumbira ruzivo rwekadhi rako rechikwereti, mikana iwe uchabhadhara mumazuva mashomanana kana iwe usingatori chiito kumisa dambudziko.