Kunyange iwe uchida kuva nemuviri wakaonda, haudi kuva nechikwereti chiduku chekwereti. Chimwe chikwereti chikwereti chikwereti chikwereti chekwereti chine zvishomanana, kana zvipi, zvikwereti zvekwereti. Iwe unogona kunge uine faira ine chikwereti chechikwereti iwe usina kumbobvira uine keroti rechikwereti, yave iri makore akawanda kubvira apo kero yako yekupedzisira yechikwereti yakavharwa, kana kana wakazarura kambani itsva yekwereti mumwedzi mitanhatu yapfuura.
Pane zvipingamupinyi zvekuva nepfini ine chikwereti chiduku.
Paunoita sarudzo nebhangi kana rimwe bhizinesi, vachatarisa zvinhu zviviri zvakakosha: chikwereti chenhoroondo yako nemari yako.
Mabhizimusi anoshandisa chikwereti chenhoroondo yako kuti uongorore mukana wekuti uri kudzorera mari yemwedzi nemari yako kuti uone kukoshesa kwako kubhadhara. Chimwe chikwereti chiduku chinokwereta chinogona kukuchengetedza kuti urege kugamuchirwa, kunyange kana mari yako inokubvumira kuti uwane.
Zvichienderana nekuti "unoonda" sei chikwereti chako, bhizinesi haringakwanisi kuwana chikwereti chekwereti kwauri. Uye nokuda kwefinnest yechikwata chekwereti, havazokwanisi kuona mharidzo yako yechikwereti zvachose.
Muchiitiko ichi, chikumbiro chako chinogona kurambwa, kana kana iwe uchibvumirwa iwe unogona kubhadhara chikwereti chakakwirira. Kune zvimwe zvibvumirano, sekushanda kwegetsi, iwe unogona kubhadhara mari yekuchengetedza kuti ugadzire nhoroondo.
Mamwe mapoka evanhu anowanzove neefinini yekwereti shoma.
Maererano naFICO, muumbi weFICO uye FICO Expansion Score, mamwe mapoka anowanzova nemafuta maduku. Izvi zvinosanganisira vachangobva kubuda, vechidiki, vanhu vachangobva kurambana kana kuva chirikadzi, kana vanhu vanonyanya kushandisa mari.
Kubhadhara zvikwereti zvekwereti, kufanana neFICO, haigoni kuunza chikwereti chekwereti iwe kunze kwekuti iwe unenge uine imwe kero yakave yakazarurirwa kwemwedzi mitanhatu.
Vatengesi vangave vakakwanisa kushanda zvakapoteredza chikamu chiduku chekwereti.
Kana uchinetseka kuwana kechikwereti chekwereti itsva, bvunza chikwereti kushandisa shanduro imwe yechikwereti kana kuti VantageScore kana FICO Kuwedzera kwechikwata .
Zvose izvi zvikwereti zvikwereti zvinogadziriswa zvishoma nezvishoma kune vanokwereta vatsva uye vangakupa chikwereti chekwereti apo chikamu chechizvarwa cheFICO chisingadi. Zvinosuruvarisa, vamwe vanokweretesa havangafungi nzira idzi dzisiri dzemazuva ose dzekwereti dzekwereti kune vakwereta vane fayifisi shoma dzekwereti.
Iwe une zvingasarudzwa zvekukunda kukunda chikwereti chekwereti.
Dhaka rekutengesa kana gesi yemakadhi kana kadhi rine bhadha yako ikozvino . Iwe unogona kutanga kuvaka chikwereti chako nekuwana kadhi rechikwereti nemunhu anokwereta uyo anowanzobvumira vanokwereta nemafuta madhenari maduku. Izvi zvinosanganisira mabhizimusi emakwereti emagetsi. Iwe unogonawo kushandisa kadhi rechikwereti pabhangi uko une chekuita kana chekuchengetedza kero yako. Ukama hwebhangi huripo hunogona kuita kuti zvive nyore kuwana kadhi rekadhi rechikwereti rakagamuchirwa.
Iva mushumiri ane kodzero pane imwe kadhi rechikwereti . Kuva mushumiri ane kodzero kunobvumira nhoroondo yekambani iyoyo kuti ioneke pamushumo wekwereti yako, zvichikubatsira kuti uwane chikwereti kune imwe chikwereti.
Tora mumwe munhu kuti ataure newe . Kuva nemumwe munhu akazarura kambani yekubatana kana kukupa iwe, zvingakubatsira iwe kutanga kutanga kuvaka chikwereti chenhoroondo yako.
Vhura kadhi rechikwereti rakachengetedzwa . Iwe unofanirwa kubhadhara mari yekuchengetedza kwekadhi rakakodzerwa, asi mari yacho inoshandiswa chete kana iwe usina kukwana pane kadhi rako rechikwereti.
Mari yako haifaniri kunge inodhura. Pamwe neGeor One Secured Mastercard, unogona kukwanisa kubhadhara mari yekuchengetedza iri pasi ne $ 49.
Shandisa chikwereti chemari yechikwereti nekambani yekwereti. Mari kubva pachikwereti inowanikwa mu-akhawunti yekuchengetedza iwe paunenge uchibhadhara pamwedzi pamutero, sezvinonzi iwe wakakwereta mwedzi wacho, uye mari yako yemwedzi inoshandiswa inoshandiswa kune mari yechikwereti. Kana uchinge wadzorera "chikwereti," mari iri mubhuku rekuchengetedza, pamwe nekufarira kune dzimwe nguva, ndeyekuchengeta. Tarisa nemabato enyu emakambani eko kuti muone kana chikwereti ichi chiripo uye kuti chii chaunoda kuita kuti uwane.
Cherechedza kuti kunyange mushure mekunge uzarura nhoroondo itsva, zvinotora masvondo mashomanana kuti aone pamushumo wekwereti yako uye mwedzi mitanhatu yekuverenga chikwereti chekwereti kwauri.
Kana iwe uchitenda iwe une faira ine chikwereti chekwereti, Credit Karma inogona kubatsira. Chikwereti Karma, rubatsiro rwekubhadhara chikwereti rusununguko, rinogona kukuudza kuti sei iwe une faira ine chikwereti chefodhi uye unorumbidza ma kadhi yemakwereti kuti akubatsire kuvaka imba yako yekwereti.