Maitiro Ekutarisa Yangu Kiredhiti Yemahara. Unogona kutarisa chikwereti chako chemahara mumaminetsi asingasviki maviri. Une kodzero yeku kopi yemahara yako kiredhiti kiredhiti mwedzi yega yega gumi nemaviri kubva kune yega yeaya matatu emakambani ekuzivisa zvikwereti nyika yese. Raira online pa 104.24.0.140 , Webhusaiti yakapihwa mvumo yekuwana mishumo ye chikwereti chepachena , kana kufona 1-877-322-8228 . Iwe unozofanirwa kupa zita rako, kero, yekuchengetedzwa kwenhamba, uye zuva rekuzvarwa kuti uve nechokwadi chako.
Neraki, izvozvi zvave nyore kupfuura nakare kose kuona yako kiredhiti mamaki pasina kubhadhara sevhisi. Kubva mahara emahara echikwereti mawebhusaiti kumakambani emakadhi echikwereti anopa emahara pamwedzi echikwereti mamakisi, pane nzvimbo dzakawanda dzekutarisa yako kiredhiti mamaki mazuva ano. Saka nyaya haisi yekutarisa yako kiredhiti mamaki, asi kupi yekutarisa uye kana uri kuona ruzivo rwechizvino-zvino. Zvimwe zvemahara zvechikwereti zvikwereti zvinowedzeredzwa kazhinji kazhinji kupfuura vamwe, uye masevhisi aunowirirana nezvibodzwa zvemahara anosiyanawo.
Apa ndipo paunogona kutarisa yako kiredhiti mamaki mahara:
| Chikwereti mamaki mupi | mutengo | Yakagadziridzwa mamaki ... | Mushumo wakasununguka wechikwereti? | 24/7 kuongorora kiredhiti | WalletHub Mushandisi Chiyero |
|---|---|---|---|---|---|
| WalletHub | Mahara | Mazuva ese | Ehe | Ehe | 4.8 nyeredzi |
| Kiredhiti Sesa Ini | Mahara | Mwedzi wega wega | Aihwa | Ehe | 3.6 nyeredzi |
| Capital One | Mahara | Vhiki nevhiki | Aihwa | Ehe | 3.7 nyeredzi |
| Kiredhiti Karma | Mahara | Vhiki nevhiki | Ehe | Ehe | 4.2 nyeredzi |
| Tsvaga | Mahara | Mwedzi wega wega | Aihwa | Aihwa | 4.0 nyeredzi |
| Sezvo | Mahara | Pese pamwedzi mitatu | Aihwa | Ehe | 4.3 nyeredzi |
| Chiitiko | $ 24.99 / mwedzi | Mazuva ese | Ehe | Ehe | 2.5 nyeredzi |
| Equifax | $ 19.95 / mwedzi | Mazuva ese | Ehe | Ehe | 4.0 nyeredzi |
| TransUnion | $ 24.95 | Mazuva ese | Ehe | Ehe | 3.0 nyeredzi |
| MyFICO.com | $ 19.95 / mwedzi | Mwedzi wega wega | Ehe | Ehe | 4.0 nyeredzi |
Ongorora: vamwe vanopa rubatsiro rwakabhadharwa vanopa mahara emahara. Kuti zvive nyore, isu hatisi kusanganisira iyo ruzivo mutafura iri pamusoro.
Nei Uchifanira Kuongorora Wako Chikwereti Chikamu
Nguva dzose zvakanaka kuenda pamusoro pezvakanaka zvekutarisa chikwereti chako. Uye muchidimbu, kutarisa yako kiredhiti kwakakosha nekuti:
- Inokupa iwe zano rakanaka rehutano hwako hwemari nekupa huwandu hwenhamba yezvinyorwa zvemakadhi ako echikwereti;
- Inokubatsira iwe kuwana yakanakisa kadhi rechikwereti uye mazwi echikwereti uye inoderedza mukana wekurambwa;
- Zvinoita kuti zvive nyore kuenzanisa zvigadzirwa zvemari, sezvo akawanda anopa anonyora hushoma huwandu hwechikwereti (semuenzaniso, Chakanaka, Chakanaka, Chakaipa) chakakodzera kuti ukwanise; uye
- Iyo inokuudza iwe kuti unganyatsoongorora sei yako kiredhiti mishumo. Chikamu chakaderera zvakanyanya kupfuura zvaungatarisira mureza mutsvuku uri pachena, pamwe zvichiratidza kubiridzira kunogona kuitika.
- Izvo hazvina zvazvinoita pachikwereti chako mamaki. Kuongorora chikwereti chako kunogadzira kubvunza kwakatsetseka, uko hakukanganisi chikwereti chako, saka unogona (uye unofanirwa) kutarisa mamaki ako nguva zhinji sezvaunoda.
Chekupedzisira, zvakakosha kuti urangarire kuti angangoita wese munhu ane nzvimbo yekuvandudza yavo kiredhiti mamaki. Uye nani chikwereti chepamusoro chinogona kukosha zviuru zvemadhora pagore. Uyezve, kutarisira mamaki ako hakufanirwe kukubhadharira peni kana yakawanda nguva. Saka, tarisa matipi edu anobatsira ekuvandudza chikwereti kuti utange. Uye kana iwe uchida zano rakagadzirirwa kune yako chaiyo mamiriro, saina kune yemahara WalletHub account kuti uwane yako yakasarudzika kiredhiti ongororo. Icho chingori chimwe chikonzero nei uchifanira kutarisa yako kiredhiti mamaki paWalletHub.
Ndezvipi zvikwereti zvaunofanira kutarisa?
Vanhu vazhinji havazvizive, asi mumwe nemumwe wedu ane akawanda akasiana echikwereti - anopfuura chiuru, nekumwe kufungidzira. Asi chokwadi ndechekuti, hazvina basa kuti ndeipi yaunotarisa, chero bedzi iri yemahara uye kubva kunovimbika sosi.
Pane zvikonzero zvinoverengeka zvakakosha zveizvi:
- Zvakafanana zvabuda : Iyo Consumer Yemari Kudzivirirwa Bureau yakawana 90% kuwirirana kubva kusarudzo yeanowanzojairwa echikwereti mamodheru. Saka kana iwe ukawana zvikwereti kubva kune vaviri vakasiyana vanopa, iwo manhamba anogona kunge ari padyo zvakanyanya, kana asina kufanana. Pamusoro pekusiyana pakati peyero mamodheru, zvikwereti zvinogona kusiyana nekuti havazi vese vanopa mari vanomhan'ara kumatatu makuru echikwereti.
- Zvakaoma kuwana mamakisi chaiwo kubva kumukweretesi - Kazhinji hazvigoneke kufanotaura chairo mhando yechikwereti mamakisi yaachashandisa, kunyanya sezvo vazhinji vanokweretesa vachigadzira OTC kiredhiti yekumakita mamodheru kuzadzisa zvavari chaizvo zvinodiwa. Uye kana iwe usingakwanise kuwana yakatarwa mhando mamaki ako anokweretesa aunoshandisa kuongorora yako application, hapana chikonzero chekusarudzika.
Iwe unogona kudzidza zvakawanda nezve akasiyana mamakisi uye mamodheru mune yedu chinyorwa kuti nei pasina chaiyo chikwereti mamaki. Kune izvo zvakakosha, WalletHub yemahara kiredhiti zvikwereti zvinoenderana neiyo VantageScore 3.0 modhi. VantageScore 3.0 ndeimwe yemhando dzakakurumbira dzechikwereti pakati pevakweretesi, uye vamwe vanozviona kunge chikamu chekwereti zvimwe kufungidzira inowanikwa.
Zvinorevei kuti kiredhiti chikwereti?
Chikamu chechikwereti inomiririra manhamba enhoroondo yako yechikwereti. Inoumbwa nezvikamu zvishanu zvine huremu hwakabatana.
- Nhoroondo yekubhadhara: 35%
- Mari dzakakweretwa: 30%
- Kureba kwenhoroondo yechikwereti: 15%
- Ndeapi marudzi echikwereti ari kushandiswa: 10%
- Mibvunzo yeAccount: 10%
Vakweretesi vanoshandisa yako kiredhiti mamaki kuongorora yako kiredhiti njodzi; Kazhinji, iyo yakakwira yako kiredhiti mamakisi, iyo yakadzikira njodzi yako kune iye anokweretesa.
Zvakangwara kukumbira rondedzero yechikwereti kubva kune ese matatu emakambani ekuzivisa zvikwereti uye wozviongorora nokungwarira, sezvo imwe neimwe iine ruzivo rwusingaenderani kana zvisizvo. Kana iwe ukaona kukanganisa, kumbira fomu yekukakavadzana kubva kune iyo agency mukati memazuva makumi matatu ekugamuchira mushumo wako.
Basa rakakosha
Pamusoro pazvose, zvakakosha kushandisa chikwereti zvine mutsigo. Nhoroondo yakanaka yechikwereti uye yakanaka kiredhiti mamaki inogona kuve mutsauko pakati pekugona kutenga imba, kutenga mota, kana kubhadhara kukoreji. Kunyatsogadzirisa kiredhiti kiredhiti inzira yakanaka yekugara mukutonga kwemari yako uye pakupedzisira kuzadzisa zvinangwa zvako.
Bvunza Nyanzvi: Kiredhiti Tarisa Matipi
Kuongorora chikwereti chako kuri nyore kupfuura nakare kose. Asi vanhu vachiri kuzviita zvakakwana. Sei? Isu takabvunza mibvunzo inotevera kune boka revanyanzvi vezvemari kuti uwane uye uwane matipi ekuchengetedza mari uchichengeta mamaki ako. Iwe unogona kuona izvo zvavakataura pazasi.
- Zvakareruka zvakadii kuti vanhu vatarise zvikwereti zvavo ikozvino pane zvazvaive makore 5-10 apfuura?
- Pane chikonzero chekubhadhara kuti utarise chikwereti chako?
- Ndezvipi zvinobatsira mutengi zvakanyanya: mazuva ese echikwereti mamakisi anovandudzwa zvichibva pane imwe agency's chikwereti mishumo kana vhiki nevhiki zvakavakirwa pamishumo miviri yesangano?
- Ndeipi mhosho huru inoita nevanhu kana vachiongorora zvikwereti zvavo?
Zviri Mukati