Chikwereti chenhamba yako nhamba inotinhira - nhamba mitatu inogona kuenda kana kuti pasi pane zuva ripi neripi rakapiwa zvichienderana nekuti sei ruzivo mumugumo wako wekwereti inoshanduka. Kana iwe wakanga uchishanda kuti uwedzere chikoro chako chekwereti - nokubhadhara kubva kare nekuda kwezvikwereti, kururamisa zvikanganiso, kuita zvikwereti panguva yakakodzera, kana kuti zvinhu zvisina kunaka zvakabviswa kubva kumushumo wako wechikwereti - iwe pasina mubvunzo unoda kuona migumisiro yemabasa ako nekukurumidza sezvaunogona .
Uye kana iwe uchida chikwereti chako chikwereti kuti chiwedzere kuitira kuti ugone kugamuchirwa chikwereti kana kuwana chikwata chakanaka, iwe unenge uchida kuona kuvandudzwa munguva pfupi.
Ko Kufara Kwako Kwekwereti Kuvandudzika Sei?
Zvinosuruvarisa, hapana nzira chaiyo yekufanotaura kuti nokukurumidza chikwereti chako chekwereti chichakwira sei kana kuti chichakwira zvakadini. Isu tinoziva kuti zvichatora zvishoma nguva yakawanda inotora bhizinesi kuti uvandudze ripoti rako rechikwereti. Mamwe mabhizimusi anotumira chikwereti chekudzokorora mhinduro zuva rega rega, mamwe mwedzi. Inogona kutora kusvika kumavhiki mashomanana kuti kuchinja kuonekwe pamushumo wekwereti yako.
Kana imwe nguva chikwata chako chechikwereti chavandudzwa nemashoko akanaka, hapana chivimbo chako chekwereti chikoro chichakwira nokukurumidza kana kuti chichawedzera zvakakwana kuti zvive nekusiyana nechisarudzo. Chikwereti chako chikwereti chinogona kuramba chakafanana-kana chinogona kunyange kuenda - zvichienderana nekurehwa kwekushandurwa uye imwe ruzivo pamusoro pehupoti yako yechikwereti.
Chinhu chimwe chete chaungaita ndechokuti chikwereti chako chikwereti kuti uone kuti chinoshandura sei uye chinoramba chichiita chikwereti chakanaka chiri kufamba.
Chii Chinoshushikana Chikwereti Chekugadzirisa Nguva?
Nguva yekugadzirisa zvikwereti zvekwereti inobva pakugadzirisa kwekushandurwa kwenyaya yako yekwereti. Sezvo chikwereti chako chikoro chichiverengwa pakarepo uchishandisa ruzivo rwekwereti yako yechikwereti pane imwe nguva panguva, zvose zvinotora kukwidza chikwereti chako chikamu ndechekuchinja kwakanaka kumashoko ako ehupfumi yemashoko.
Panguva imwe chete, kuva nemashoko asina kunaka akawedzerwa kumushandi wako wekwereti inogona kukanganisa kuchinja kwakanaka kwaungave wakamboona kune chikwereti chako. Semuenzaniso, kana iwe uchiwana chikwereti chekuwedzera (saka uchingoderedza chikwereti chako) asi kubhadhara kwekupedzisira kunowedzerwawo kumugumo wako wekwereti, iwe ungasaona chikwereti chako chikoro chiri nani. Ichokwadi, chikwereti chako chikoro chinogona kuwira.
Nyaya yakaipa yakaipa inogona kuverenga chikwereti chako chikoro pasi ichiita kuti itore nguva yakareba kuti uwedzere chikwereti chako chikoro. Semuenzaniso, zvinogona kutora nguva yakareba kuti uwedzere chikwereti chako chikoro kana iwe uchinge wabhadhara mari, chikwereti chekuunganidza, kudzorerazve, kana kufanirwa pamushumo wekwereti yako. Izvo zvakanyanya kuitika zvinhu izvi ndezvako, zvakanyanya izvo zvinokonzera chikwereti chako chikoro.
Nzira Dzokukurumidza Kuwedzera Chikwereti Chako Chakwereta
Zvinotora nguva kuti uvandudze chikwereti chako, kunyanya kana iwe uine zvinhu zvakawanda zvisina kunaka pamushumo wekwereti yako. Nenzira, pane zvinhu zvishomanana zvaunogona kuita kuti uwedzere chikwereti chako pakarepo. Kubhadhara chikwereti chikuru chekadhi rechikwereti kana kuwana kuwedzera kwemari yechikwereti, kunyanya pamberi pekutaura kwekambani yako yekuvhara zuva , kunogona kukonzera chikwereti chako chikoro nokukurumidza. Zvose izvi zvinokurisa chikwereti chako chekushandisa, iyo inenge 30% yemari yako chikwereti.
Kupikisa kukanganisa kwakashata kubva kumugumo wako wekwereti kunogonawo kusimudzira chikwereti chako, kunyanya kana iwe uchitaura nemunhu ane chikwereti pane foni uye uite kuti abvise chikanganiso kubva mushumo yako yechikwereti pakarepo. Kuti usimbise kodzero dzako pasi pe Fair Fair Reporting Act, unofanirwa kupikisa zvikanganiso zvekweretheni dzekwereti zvakanyorwa. Zvisinei, vamwe vatengi vanoda kubvisa zvikanganiso zvakakodzera nefoni chete. Izvo zvinyorwa zvinogona kuonekwa pamushumo wekwereti yako uye zvinokanganisa chikoro chako chekwereti mumazuva mashomanana chete kana uyo ane chikwereti achida kushanda newe.
Kana iwe usingagoni kukakavadza kukanganisa pamusoro pefoni, kukakavara mukunyora kuchiri kubudirira, kunyanya kana iwe une uchapupu hwekanganiso. Nharo yekukakavadzana inogona kutora mazuva makumi matatu kusvika kune makumi mashanu apo chikwereti chekwereti chinotsvakurudza zvino chinodzokorora gwaro rekwereti. Kana imwe nguva kukanganisa kwacho kubviswa kubva kumushumo wekwereti yako, kuchaita kuti iwe uwane chikwereti chikoro pakarepo.
Nzira Yokuona Nayo Chikwereti Chekwereti
Iwe unogona kutarisa kuchinja mune zvikwereti zvako zvekwereti pasina rushandisa uchishandisa CreditKarma.com kana CreditSesame.com iyo inokupa rusununguko rusununguko kune rako risina FICO credit scores. Chikwereti Karma inovandudza yako TransUnion uye Equifax chikwereti chikoro zuva rimwe nerimwe apo Credit Sesame inopa zvinyorwa zvemwedzi zveWeather credit. Kana pane kuchinja kune imwe yezvikwereti zvekwereti, unogona kuona iyo inotevera chikwereti chikamu chekushandisa uchishanda mabasa ehurumende.
Vamwe vane kadhi rechikwereti vanopa vadhidhidhi vavo chikamu chepachena cheFICO pamushumo wekubhadhara kwemwedzi mumwe nomumwe. Tsvaga, First National Bank yeOmaha, uye Barclaycard vose vanopa pachena FICO zvikoro mwedzi mumwe nomumwe. Capital One inopa Free TransUnion Educational Score. Tarisa nekadhi yako kadhi rechikwereti kuti uone kana vachipa rusununguko rusununguko rwekwereti yako chikoro.
Kufananidzira Chikwereti Chikamu Kuchinja
Paunenge wakamirira ripoti rako rechikwereti uye chikwata chekudzokorora, unogona kushandisa chikwereti chikamu simulator kuenzanisa kuti chikwereti chako chinogona kuchinja sei. Chikwereti Karma uye myFICO vose vanopa chikwereti chekuita simulators dzinogona kuratidza kuti chikwereti chako chikwangwani chinogona kuchinja sei kana ruzivo rwemarikiti yako ruzivo ruchishandurwa, kana iwe uchibhadhara kambani kana kuzarura chikwereti chitsva, somuenzaniso. Chikoro cheKarma simulator chinosanganiswa nehutungamiri hwako hwekusununguka kumabasa avo. Iyo simulator yakapiwa kuburikidza ne myFICO neFICO Score Watch chete nokuda kweEidifax yako chikwereti chikwereti che $ 14.95 pamwedzi.
Kurumidza Kudzorera Fast Fast Score Updates
Pane rimwe rimwe basa rinogona kukupa kusvika kwepakutanga kwekwereti chikamu chekuchinja, asi chete mumamiriro mashoma emamiriro ezvinhu. Kana urikukumbira mari yechikwereti, uyo anokweretesa angapa kukurumidza kusunungura, basa rinozovandudza chikoro chako chekwereti mukati maawa 48 kusvika ku 72. Icho hachishandi pane mamiriro ese ezvinhu. Iwe unofanirwa kuva nehuchapupu hwokuti kune ruzivo rwakashata pamushumo wekwereti yako, sekubhadhara kusinganzwisisikwi sekupedzisira. Uye iwe unogona kungoita izvi pamwe chete nekutora chikwereti chikwereti paunenge uchiedza kukwanisa kutenga chikwereti kana kuwana zviri nani; haisi basa rinowanikwa zvakananga nevatengi kana nemamwe marudzi emabhizimisi.