Maitiro ekuti uwane zana echikwereti mapoinzi nekukurumidza

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Edza Chishandiso Chedu Kubvisa Matambudziko

Maitiro Ekuvandudza Yako Chikwereti Score nekukurumidza

Chinhu chikuru chakakonzera kuvandudza chikwereti changu mumazuva makumi matatu chete ndiko kuderera kweindekisi yangu ye kushandisa chikwereti . Ini ndakadzora mashandisiro angu ne19%!

Ndakazviita munzira mbiri: chekutanga, ini ndanga ndichibhadhara kupfuura yakashomeka mari yandakakweretwa pamakadhi angu echikwereti (izvo zvandinoita zvakadaro, asi ndakafambira mberi zvishoma kupfuura zvakajairwa, anenge madhora makumi maviri nemashanu kupfuura zvaidiwa) . Tevere, ini panguva imwe chete ndakawedzera kiredhiti kangu kari muhafu pane imwe yangu kadhi rechikwereti maakaundi nekubvuma mutsara wekuwedzera kwechikwereti paakaunzi yangu. Ini ndaizonyatsoratidza kuti munhu wese atore yako yakasarudzika mutsara wechikwereti kuwedzera kupihwa, kana zviripo, ingova wakangwara zvakakwana kuti usashandise!

Zvinokurudzirwa kuti iwe unyorere kune yechikwereti mutsara wedzera kamwe chete pamwedzi mitanhatu kusvika kumakumi matanhatu. Sei? Iyo inobatsira neyako kiredhiti yekushandisa ratio, iyo inobatsira yako kiredhiti mamaki. Chiyero chekushandisa chikwereti ndiyo huwandu hwechikwereti iwe chawakakamura nehuwandu hwakazara chikwereti chawakawedzerwa kwauri. Pinda muakaunzi kadhi rako rechikwereti online kuti uone kana paine chikwereti chemugumo chikumbiro chakakumirira, kana kufonera iyo nhamba kumashure kwekadhi rako kuti udzidze zvimwe nezve zvaunogona kuita.

Chiyero chakashandiswa chekushandisa chiri 30% kana zvishoma paakaundi yega yega uye kumaakaunzi ese akasanganiswa.

Chimwe chinhu chikuru chinopa chikonzero ndeye yangu yakakwana pane-nguva yekubhadhara nhoroondo. Zvinoenderana neKarma Kiredhiti, ini ndine 100% rekodhi yekungowirirana uye pa-nguva kubhadhara. Ini ndinokwanisa kusarasikirwa nemubhadharo nekuchengeta yangu pachezvangu yekubhadharira karenda, iyo inondiudza ini kana yangu ese mabhiri akwana. Ini ndakatomboisa zviyeuchidzo vhiki pamberi kuti ndiwane nzvimbo yezvikanganiso.

Zvinogona kuve zvinonyanya kubatsira kuronga otomatiki kubhadhara pakutanga kwemwedzi pane ako maakaundi ese anotendera iyo sarudzo saka haufanire kunetseka nezvayo kwemwedzi wese. Kana mari yako yaunogara yakatsiga uye account yako isingatenderi zero, ndinonyatso tarisa kuti iwe urongedze otomatiki bhiri yekubhadhara yemitero yemwedzi nemwedzi.

Maitiro ekuwedzera yako kiredhiti mamaki zana mapoinzi

Gakava ruzivo rwakashata pane yako kiredhiti kiredhiti

Kana chikwereti chako chikadonhedza anopfuura zana mapoinzi semhedzisiro yekuwedzera mamwe marekodhi asina kunaka kune yako kiredhiti, zvinofungidzirwa kuti kubvisa ruzivo rwakadai kunogona kukonzera kuwedzera kweanopfuura zana mapoinzi. Iwo mahofisi echikwereti anobvisa ruzivo rwunopokana urwo rwaunoratidza kuti haruna chokwadi kana kuti iro mupi wedata haakwanise kutsigira.

Mirira zvisina kunaka zvinyorwa kuti zvinyangarika kubva kune yako kiredhiti mushumo

Ruzivo pane yako kiredhiti mishumo haigare imomo nekusingaperi. Negative marekodhi anove akura zvakanyanya kuti asabatanidzwe mushure memakore manomwe kusvika gumi. Saka vanhu vakarova chigamba panguva yekudzoreredza kukuru, asi vakashandisa kiredhiti zvine mutsindo kubva ipapo, vaona shanduko yakakura muzvikwereti zvavo nguva pfupi yadarika.

Tora kumusoro kunonoka kubhadhara

Kuchengeta akafanirwa maakaundi akaundi kubva mukuenda zvakapfuura nekuda, kudzima maakaundi maakaundi, uye neimwe nzira kudzosera zvikwereti zvako mukumira kwakanaka kunogona kukurumidza kuburitsa hupfumi pachikwereti chako. Izvi zvinonyanya kuitika kana iwe ukakanganisa kukanganisa kwechikwereti iwe kwaunenge uchidzivirira.

Batsirwa kubva mukuchinja mune zvechikwereti zvinoda

Muna Chikunguru 2017, shanduko kumagwaro anodikanwa emahofisi makuru echikwereti akakonzera ruzhinji rwezvikwereti zvemitero nematare edzimhosva kuburitswa kubva kumushumo wevatengi. Nekuda kweizvozvo, munhu wepakati aivhiringidzwa akaona chikwereti chavo chichiwedzera nemapoinzi gumi chete.

Asi 0,7% yevanhu vakatanga vaine zvibodzwa zve621-640 vakaona kuwedzera kwemapoinzi zana kana mabhenefiti ese nekutongwa zvakabviswa mumakadhi avo echikwereti, sekureva kweVantageScore. Izvozvowo zvaive chokwadi che0.2% yevanhu vakatanga nezvibodzwa zve641-660 uye 0.1% yevanhu vakatanga nezvibodzwa zve5451-560.

Kunyangwe kiredhiti kiredhiti kako kachikwira zana mapoinzi husiku, haugone kutsvaga kwechinguva nezvakawanda zvemahara zvikwereti masayiti, ayo anovandudzwa vhiki nevhiki, pamwedzi, kana mukota.

Zvakadaro, zvakakosha kusimbisa kuti yakanakisa chiyero chekwereti haisi yekunzwa kwehusiku. Kiredhiti zvibodzwa mubairo unoenderana nekuita kwenguva yakareba yenguva. Saka kubhadhara zvikwereti zvako nenguva, kuchengetedza yako kiredhiti yakaderera, uye kushandisa mari zvine mutsindo mwedzi nemwedzi ndiyo nzira yakanakisa yekuvaka chikwereti uye kuchengetedza akanakisa mamaki.

Asi pane nzvimbo yepakati, nerombo rakanaka. Kiredhiti zvikoro zvinowedzera nguva nenguva mukati merwendo rwako rwepamusoro zvishoma nezvishoma. Saka kana iwe uchida iyo yakanakisa kiredhiti kiredhiti munguva pfupi iri kutevera, pane matanho iwe aunotora kuti uite yako mamaki iratidzike mumazuva makumi matatu kana pasi.

Kunyanya, kudzikisa yako kiredhiti kushandiswa ndeimwe yenzira dziri nyore dzekuvandudza yako kiredhiti mamaki mukati memwedzi. Izvo hazvizokupe iwe kuwedzera zana poindi, asi ichaunza zvibereko. Uye kune nzira nhatu dzekuzviita. Iwe unogona kushandisa zvakati wandei pane zvaunowanzoita iwe, ita muripo wakakwira kupfuura wakajairwa, kana kubhadhara yako bhiri kazhinji kazhinji kupfuura zvakajairwa. Chinangwa ndechekudzora pachiyero pane chako chirevo chemwedzi, saka zano iri harizokubatsire kusvika pakupera kwenguva yako yekubhadhara.

Kunyanya kazhinji, kubhadhara chikwereti kunogara kuchibatsira mamaki ako, pamwe neyakawandisa ako seanokwereta. Iwe unofanirwa zvakare kudzivirira kunyorera kiredhiti mumwedzi usati waakuda yako kiredhiti mamaki echinhu chakakosha. Chikumbiro chega chega chinoguma nekuferefetwa kwakaoma, uko kunogona kubvisa mapoinzi kubva pane yako mamakisi kwemwedzi mitanhatu.

Chii chinoonekwa sechakanaka chikwereti mamaki?

Sekureva kwaFair, Isaac uye Kambani (FICO), iye mugadziri weiyo matatu-manhamba anoshandiswa kuyera yako chikwereti njodzi, iyo yakakwira iyo nhamba, zvirinani chikwereti chako chikwereti. Iwo mamakisi eFICO anotangira pamazana matatu kusvika mazana masere. MyFICO.com inoti yakanaka kiredhiti mamakisi iri mune 670-739 mamaki.

Mari yako yechikwereti yakaumbwa ne zvinhu zvishanu zvakasiyana izvo zvinokanganisa mamaki ako neimwe nzira.

  • 35% Nhoroondo yekubhadhara: Ichi chinyorwa chekubhadhara kwako pane ese maakaunzi panguva yeakaunzi nhoroondo. Funga nezve izvi semushumo kadhi yemari yako.
  • 30% Mari dzakakweretwa: Izvi ndozvinoumba chikamu chako chekushandisa chikwereti. Kuti uone chiyero chako chekushandisa, tora huwandu hwezviyero zvasara paakaunzi yega yega uye ugopatsanura neyakaganhurirwa chikwereti chako. Saka kadhi rechikwereti rine $ 5,000 mutsara wechikwereti uyo une $ 3,000 muchikwereti chakashandiswa ingave iri 60% chikwereti chekushandisa, kwete zvakanyanya kunaka.
  • 15% Kureba kwenyaya yechikwereti: Izvi zvinotarisa huwandu hwemakore awanga uchikwereta. Yakarebesa yako nhoroondo yechikwereti yezvakanaka mubhadharo uye inoitisa account account, zvirinani.
  • 10% kusanganisa chikwereti Inosanganisira ese marudzi echikwereti, akadai sezvikwereti zvezvikwereti, maakaundi anotenderera, zvikwereti zvevadzidzi, zvikwereti, nezvimwe.
  • 10% chikwereti chitsva: Nguva dzese iwe paunonyorera kadhi rechikwereti idzva kana chigadzirwa chechikwereti, kubvunzurudza kunotaurwa pane yako kiredhiti kiredhiti.

Ini ndinofunga chikwereti changu chikwereti chakawedzera zvakanyanya nekuti kushandisa chikwereti kune kwakanyanya kukanganisika pane yangu yakazara chikwereti mamaki. Zvakare, sezvataurwa pamusoro apa, ini ndine nhoroondo yakakwana yekubhadhara, iyo inoita huwandu hwangu hwese chikwereti changu chikwereti.

Chikwereti mamaki ekufunga

Kiredhiti Karma inoshandisa TransUnion uye Equifax kune ako echikwereti zvikoro. Sezvo ese mamodheru ekuyera asina kufanana, ratidziro yangu inogona kunge yakashanduka nenzira dzakasiyana neimwe hofisi huru yechikwereti, Chiitiko . Ini ndinofunga zvakakoshawo kusimbisa kuti iwe unogona kuita chaizvo zvandakaita, asi mamaki ako anogona kusachinja nenzira imwecheteyo nazvino. Chikamu chemunhu wese chinokanganiswa nenzira dzakasiyana, kunyangwe iwe uchigona kunge uchiita zvakafanana zviito. Inonzwika kuvhiringidza? Usanetseka, ndizvo. Heano mimwe mienzaniso yekuti izvi zvinogona sei kuitika:

  • Kana Jane aine nhoroondo yakakwana yekubhadhara, asi akanganwa kubhadhara bhiri rake kwemwedzi, zvibodzwa zvake hazvizokanganisike nenzira imwecheteyo naMegan, uyo ane akateedzana kwenguva refu ekubhadhara kwakanonoka pamushumo wake. Muchokwadi, nekuda kweiyo yakanaka nhoroondo yekubhadhara yaJane, unogona kutokwanisa kufonera kiredhiti kadhi rako uye nekutsanangura zvakaitika kuti vaone kana vachifunga kusarevera kunonoka kubhadharwa kumahofisi echikwereti. Megan, kune rimwe divi, pamwe haazokwanise kubvisa izvo kunyangwe achiedza zvakadii, zvichimupa maitiro enhoroondo.
  • Hari chikwereti kubvunza kunogona kukanganisa yako kiredhiti mamaki pakati pe4 ne10 poindi imwe neimwe. Kana John achizadza chikumbiro, asi iko kunyorera kwake kwechitatu mumazuva makumi matatu, zvibodzwa zvake zvinokwanisa kungodonhedza kupfuura izvo zvaJeff, akapedza chikumbiro chimwe chete mumazuva makumi matatu.
  • Ngatitii Jason naBetsy vakawedzera mari yavo yechikwereti nemadhora mazana mashanu. Mari yaJason yaive zero, saka iye zvino ave neUS $ 1 000 yechikwereti chakavhurika chisiri kushandiswa. Mutsetse wechikwereti waBetsy wakakwira kusvika pamadhora mazana mashanu, saka kuwedzera mutsara mutsva wechikwereti unongomupa madhora mazana mashanu muchikwereti chiripo. Naizvozvo, vese vakaita chiito chimwe chete asi vanozove nemhedzisiro dzakasiyana.

Zviri Mukati