Maitiro ekusimudza yako chikwereti mamaki nekukurumidza? Iwe unogona kunge uchitoziva kuti yako kiredhiti mamaki anogona kukanganisa hupenyu hwako munzira dzakawanda.
Nepo yakanaka kiredhiti mamaki inogona kukubatsira kuti uwane mukana wepasi wemitero pamakadhi ako echikwereti, zvikwereti, zvikwereti zvevadzidzi vega, uye zvikwereti zvemotokari (pakati pezvimwe zvikomborero), chikwereti chakaipa chikwereti chinowanzo shandura mumitengo yakaderera.
Kana iwe uine yakaderera chikwereti mamaki, iwe unogona kunge uchinetseka kana paine nzira yekuwedzera yako mamaki nekukurumidza. Kunyangwe zvisiri nyore, zvinokwanisika kukurumidza kuvandudza chikwereti chako mumwedzi mishoma.
Pano tinoongorora kuti chikwereti chii, ndezvipi zvinhu zvinokonzeresa mamaki ako, uye tsanangura mamwe matanho aunotora kugadzirisa yako chikwereti mamaki nekukurumidza sezvazvinogona.
Chii chikwereti chikwereti?
Yako kiredhiti mamaki idhi-matatu manhamba ayo vanokweretesa vanoshandisa kuona yako njodzi semunhu anokwereta.
Zvakaringana kana kwete, yako kiredhiti mamaki inowanzo kutorwa semumiriri wehutano hwako hwemari. Iyo yakakwira chikwereti chako chikwereti, iyo ine njodzi shoma iwe yaunofunga kuti iwe uri uye zvakanyanya mukana wekuti ubvumidzwe pachikwereti kana kubhadhariswa yakaderera chimbadzo. Iyo yakaderera yako chikwereti mamaki, iyo ine riskier iwe uye uye zvishoma mukana iwe kuti ubvumirwe kune chikwereti. Kune zvikwereti zvaunotenderwa iwe, unogona kutarisira kutarisira kubhadhara chikwereti chakakwirira uchienzaniswa neavo vane yakakwira chikwereti mamaki.
Imwe yeaya matatu makuru makuru echikwereti ( Chiitiko , TransUnion uye Equifax ) inoshandisa yayo yega fomura fomati kuverenga chikwereti chemunhu, asi zvimwe zvezvinhu zvakakosha zvinosanganisira:
Nhoroondo yekubhadhara
Nhoroondo yako yekubhadhara mabhiri ako nenguva - Yako nhoroondo yekubhadhara inosvika makumi matatu neshanu muzana ezvese zvikwereti zvako, zvigoita chimwe chezvinhu zvakakosha.
Chikwereti chekushandisa mwero
Izvi zvinoreva kuwanda kwechikwereti chiripo chawakashandisa, uye zvinomiririra makumi matatu kubva muzana ezvibodzwa zvako. Kiredhiti bureaus inoteedzera yako yakazara mashandisiro rate, pamwe nemashandisirwo emitengo yemunhu wega makadhi echikwereti.
nhoroondo yechikwereti
Ivhareji zera reaya ese maakaunzi pane yako kiredhiti mushumo, izvi zvinomiririra 15 muzana yechikwereti chako mamaki.
Kiredhi musanganiswa
Iko kusanganiswa chaiko kwemhando dzechikwereti chauinacho (chikwereti chikwereti sezvikwereti zvevadzidzi kana kutenderera kwechikwereti semakadhi echikwereti) maakaunzi e10 muzana yezvibodzwa zvako.
Zvikumbiro zvitsva zvechikwereti
Ichokwadi chekuti iwe uchangobva kunyorera mutsara wechikwereti (kana mitsara yakawanda yechikwereti) mukati menguva pfupi yenguva inomiririra gumi rekupedzisira muzana rechikwereti chako.
Chii chinogona kukonzeresa yako kiredhiti chikero kudonha?
Pane zvinhu zvakawanda zvinokonzeresa kuti chikwereti chako chikwire. Kana iwe uchinge wawana fungidziro yekuti yako kiredhiti mamaki anga akanaka uye wobva watarisa uye woona kuti yakadzikira pane zvaunotarisira, funga zvinotevera zvinotevera.
- Iwe watadza kubhadhara kana kubhadhara bhiri nguva yapera.
- Iwe wakatenga kutenga kukuru nekadhi rako rechikwereti, uchiwedzera yako mashandisiro.
- Wakatambura kubhuroka, kufukurirwa, kana hupombwe pane chimwe chikwereti chako.
- Iwe wakavhara kiredhiti kadhi account.
- Iwe uchangobva kunyorera mitsara nyowani yechikwereti.
Nzira nomwe dzekukwiridzira yako kiredhiti mamaki nekukurumidza
Sezvakakurukurwa pamusoro apa, murombo chikwereti mamaki anogona kuve nemhedzisiro yakakomba pahupenyu hwako hwemari. Chido chekudzivisa mhedzisiro yakadaro kazhinji chikonzero chakaringana kuti munhu ashande kunatsiridza uye kugadzirisa zvibodzwa zvavo.
Nekudaro, pane zvikonzero zvinoverengeka nei mumwe munhu angangoda kukwidza yavo kiredhiti mamaki nekukurumidza sezvazvinogona. Kunyangwe isiri rondedzero yakakwana, zvimwe zvezvikonzero izvi zvinogona kusanganisira:
- Iwe wave kuda kunyorera imba mogeji, mota chikwereti, kiredhiti kadhi, kana imwe mutsara wechikwereti. Uye iwe unoda a.) Wedzera mikana yako yekubvumidzwa, uye b.) Kodzera pamitero yakaderera.
- Iwe unoda kugadzirisa zvekare zviripo mogeji, chikwereti chemudzidzi, kana imwe mhando yechikwereti. Uye iwe unoda kunatsiridza mamaki ako kuti ugone kukodzera kuwana chitsva chakaderera chimbadzo.
- Iwe watonyorera kare uye wakanyimwa mutsetse wechikwereti . Uye iwe unoda kunatsiridza zvikwereti zvako kuti uwedzere mikana yako yekubvumidzwa mune ramangwana.
- Iwe unongoda kukurudzira kwepfungwa. Izvo zvinogona kuuya nekusimudza yako kiredhiti mamaki kubva kuMurombo kuenda kuRunako kuenda kuGood kana kumusoro.
Nzira yekuwedzera yako Chikwereti Score nekukurumidza
Nzira yechokwadi yekuvandudza yako kiredhiti mamaki ndeyokushandisa kiredhiti zvine mutsindo uye kugadzirisa zvikwereti zvako nezvisungo zvakakodzera kwenguva refu. Nekutora matanho sekusatombozeza ako makadhi echikwereti, uchiita yako kubhadhara nenguva imwe neimwe Kamwe, uye kuchengetedza ako akare maakaundi uye mitsara yechikwereti, iwe unononoka asi zvirokwazvo kunatsiridza yako kiredhiti mamaki pamwedzi yakati wandei nemakore.
Nezvo zvakati, kana iwe uine nguva yekupedzisira yauri kuyedza kusangana uye iwe uchida kukwidza mamaki ako nekukurumidza sezvazvinogona, pane matanho mashoma aunotora kuti uzviite.
1. Tarisa kiredhiti koti ako nekuda kwekukanganisa
Kana iwe uchida kunatsiridza yako kiredhiti mamaki, zvine hungwaru kutanga nekunzwisisa zviri pane yako kiredhiti mishumo.
Nomutemo, iwe unekodzero yemahara kiredhiti kiredhiti kubva kune yega yega matatu makuru makuru echikwereti kamwe chete pamwedzi gumi nemaviri. (Unogona kukumbira ako emahara echikwereti mishumo kubva AnnualCreditReport.com , kuwedzera kune ekubvunza saiti senge ChikweretiKarma uye ChikweretiSesame ). Nekuti iwo ruzivo rwunowanikwa mune yega yeaya marepoti anogona kunge akasiyana, zvine musoro kukumbira chirevo kubva kune yega yega, kwete imwe chete.
Kana iwe ukaona chero zvikanganiso mumishumo yako iwe uchiri kuzviongorora, unogona vapesane navo uye kumbira kuti zvikanganiso zvibviswe pamushumo wako. Nekuti zvikwereti zvikwereti zvinofanirwa kupindura chero kukakavara mukati memazuva makumi matatu, mhedzisiro yakanaka yekugadzirisa chero kukanganisa inogona kunzwika nekukurumidza. Maererano ne Federal Trade Commission (FTC) , yavo Chirungu muChirungu) .
Mushure mekugadzirisa chero zvikanganiso pane yako kiredhiti mushumo (s), ita chokwadi chekutarisa imwe neimwe yemishumo yako gore rega kuti uone uye kudzivirira zvimwe zvikanganiso mune ramangwana. Zvakawandisa sei zvikwereti zvekwereti? Mushumo mumwe chete weFTC unofungidzira kuti kusvika pamazana mashanu ezviuru zvemakadhi echikwereti ane zvikanganiso zvakakomba zvakakwana kukonzera kukuvara kwemari chaiko.
2. Tora (uye gara) kusvika parizvino pakubhadhara
Nhoroondo yako yekubhadhara inomiririra yakakwira muzana chikamu chako chechikwereti kupfuura chero chimwe chinhu chimwe chete. Kubhadhara kwakarasikirwa kazhinji kunogara pane yako kiredhiti kiredhiti kwemakore manomwe, zvinoreva kuti vanogona kuve nemhedzisiro kune yako chikwereti mamaki. Ichi chikonzero nei zvichikosha kuti iwe ugare pamusoro pezvikwereti zvako uye usatombopotsa muripo kana kubhadhara kunonoka.
Kana iwe ukaona kuti warasikirwa nemubhadharo, panogona kuve nematanho iwe aunotora kutora kudzora (uye pamwe kudzosera kumashure) kukuvara, kunyanya kana kubhadhara kwakarasikirwa kuri pasi pemazuva makumi matatu ekuberekwa. Fonera waunikweretesa zvakananga uye ronga kuti ubhadhare. Kana ivo vakatotaura nezvehuipi hwako, iwe uchiri parunhare navo, unofanirwa kubvunza kana vachizorega. Nepo vamwe vakweretesi vasingazobvisise mishumo yehutsotsi kana vachinge vaitwa, vamwe vanozozviita, kunyanya kana iri mhosva yako yekutanga kana iwe uine nhoroondo yakakura nekambani.
Kunyoresa kubhadharisa otomatiki pazvinokwanisika (mogeji, zvikwereti zvevadzidzi, zvinoshandiswa) zvinogona kukubatsira kuti urege kumwe kukuvara kuchikwata chako kubva kunonoka kana kunonoka kubhadharwa, kunyangwe chiito pachacho chisingazokanganisa zvibodzwa zvako.
3. Bhadhara yako iripo kadhi rechikwereti
Sezvambotaurwa pamusoro apa, yako chikwereti mashandisiro, ese akazara mashandisirwo uye kadhi-kune-kadhi kushandiswa, ndechimwe chinhu chakanyanya kukosha chinokanganisa yako yakazara kiredhiti chikwereti. Kazhinji kutaura, zvinokurudzirwa kuti iwe uedze kuchengetedza yako kiredhiti kushandiswa pa30 muzana kana zvishoma kudzivirira zvakashata pane yako kiredhiti mamaki, uye kwete unofanirwa kuwedzera kadhi.
Kana iwe uine yakakwira chikwereti chekushandisa mwero, zvakakodzera kumisikidza chirongwa chekubhadhara zvakanyanya pane ako mabhalansi. Kana uine imwe mari mubhajeti yako, kuishandisa kubhadhara yako kiredhiti kadhi zviyero inogona kuve nzira inoshamisa inoshanda yekuvandudza mamaki ako. Uye ungangonzwa maricho nekukasira, nekuti vazhinji vanopa zvikwereti vanotaura kumahofisi echikwereti pamwedzi. Kunyanya paunogona kudzikisira kushandiswa kwechikwereti, iko kukura kwaunozoita kunzwa.
Kana uine akawanda makadhi echikwereti, tanga nekubhadhara iyo bhajeti iri pakadhi ine yakanyanya kushandisa mashandisirwo mwero kutanga (ndokuti, kadhi riri padyo kusvika kusvika muganho wako wechikwereti).
Kana iwe uchinge wabhadhara zviyero zvako, edza kusavhara ako maakaundi akare kunze kwekunge zvichinyatso kudikanwa, nekuti kuvhara maakaundi ekare (kunyanya maakaunzi akareba-nguva pamwe nekuenderana pa-nguva kubhadhara) kunogona kukanganisa yako kiredhiti mamaki nekuderedza yako yepakati chikwereti nhoroondo. .
4. Funga nezvekusimbiswa kwechikwereti
Imwe nzira yaungadzikise yako chikwereti chekushandisa chingave chekubatanidza yako kiredhiti kiredhiti chikwereti nechikwereti chako pachako.
Izvi zvinogona kubatsira mamaki ako munzira mbiri. Kutanga, inozoshandura yako inotenderera chikwereti (ndokuti, kiredhiti kadhi rako chikwereti) kuita chikwereti chikwereti, icho icho chikwereti chemahofisi chikero chaicho. Chechipiri, zvaizodzora mashandisiro ako echikwereti pamakadhi ako echikwereti. Uye, sebhonasi, zvikwereti zvakawanda zvemunhu zvine zviyero zvakaderera zvakanyanya zvichienzaniswa nemakadhi echikwereti, ayo anogona kukubatsira kubhadhara chikwereti chako zviri nyore uye nekukurumidza nekufamba kwenguva.
5. Wedzera zvikwereti zvako
Kana iwe usingakwanise kubhadhara kiredhiti kadhi rako rechikwereti uye usingade chikwereti chako pachako, pane nzira yechitatu yekudzikisa yako kiredhiti kushandiswa: kukumbira chikwereti chemugumo kuwedzera.
Nekuti izvi zvinowedzera huwandu hwechikwereti chauinacho iwe uchichengeta bhalanzi rako rakafanana, yako chikwereti mashandisirwo anozodzikira ipapo ipapo sekureba sekunge iwe usiri kubhadharisa kadhi rako futi. Zvese zvaunoda kuti uite kufonera yako kiredhiti kadhi mupi uye bvunza kana zvichikwanisika kuwedzera muganho wako. (Iwe unogona zvakare kukumbira muganho kuwedzera online kuburikidza neyako chikwereti portal.)
Huwandu hwechikwereti muganho unowedzera unochinja chikwereti chako chinoenderana nezvinhu zvinoverengeka, kusanganisira saizi yekuwedzera uye huwandu hwechikwereti watove nacho pakadhi rako. Semuyenzaniso:
- Kana iwe parizvino uine kiredhiti kadhi ine $ 250 muganho wechikwereti uye uine bhezari ye $ 150, saka une 60 muzana chikwereti chekushandisa mwero. Kana yako kiredhiti kadhi kambani inowedzera yako kiredhiti muganho ne $ 250, yako nyowani yechikwereti muganho ingave $ 500. Izvi zvinogona kudzikisira yako kiredhiti kushandiswa ne30 muzana.
- Kune rimwe divi, kana parizvino uine kadhi rechikwereti riine $ 10,000 chikwereti uye uine chikwereti che $ 7,000, saka une 70 muzana chikwereti chekushandisa mwero. Kana yako kiredhiti kadhi kambani inowedzera yako kiredhiti muganho ne $ 2,500, yako nyowani kiredhiti muganho ingave $ 12,500. Izvi zvinoderedza mashandisiro aunoita kusvika pa56 muzana, izvo zviri nani kupfuura zvazvaive, asi zvichiri pamusoro kupfuura zvakakurudzirwa huwandu hwe30 muzana.
6. Wana kiredhiti yemashandisirwo ebhadharo
Mukutanga kwa2019, Experian akatanga chirongwa chitsva chinonzi Chiitiko Chinowedzera , yakagadzirirwa kupa vanhu vanofarira nzira yekupa yavo kiredhiti zvikoro kukurumidza kukurumidza.
Aya ndiwo mashandiro anoita Experian Boost: munhu anofanirwa kusarudza kutora chikamu muchirongwa, panguva iyoyo pavanofanira kubatanidza yavo yekutarisa ruzivo kune yavo kiredhiti faira. Izvi zvinobvumira Experian kuti atarise kumashure kwemwedzi makumi maviri nemana kuti agadzire rekodhi yemari yako yekushandisa. (Zviripachena, izvi zvinongoshanda chete kana iwe uchiita yako yekubhadhara zvikwereti neako yekutarisa account.) Uchishandisa iyi data, Experian ichapa yako kiredhiti mamaki ekuwedzera. Kazhinji, iyo yakawanda yekubhadhara nhoroondo Yeanogona kuwana kuburikidza neyako banking nhoroondo, iyo inowedzera yako kukurudzira.
Experian Boost inogona kunyanya kubatsira kune avo vane zvishoma kana vasina nhoroondo yechikwereti, kana kune avo vari padyo nekuve pane yakakwira chikwereti chikamu. Iwe unogona kutarisira kuona yako nyowani mamaki pakarepo kana ongororo yapera.
7. Iva mushandisi ane mvumo pamaakaundi emumwe munhu
A mvumo mushandisi izwi rinoreva munhu akapihwa mvumo yekushandisa kadhi rechikwereti remumwe munhu. Vechidiki vakuru, semuenzaniso, vanowanzo kuwedzerwa sevashandisi vane mvumo kumakadhi echikwereti evabereki vavo kuvabatsira kuvaka chikwereti.
Iwe unoziva here mumwe munhu ane stellar kiredhiti chikwereti, yakaderera chikwereti chishandiso chiyero, uye ndiani anovimba newe zvakakwana kukuwedzera iwe semvumo yemushandisi kumaakaunzi avo? Kana zvirizvo, kuve mushandisi ane mvumo pane iyo account inogona kuva imwe nzira huru yekuwedzera yako chikwereti mamaki nekukurumidza. Izvi zvinodaro nekuti ese emumwe munhu akanaka echiratidzo chekwereti, kunyanya mashandisiro avo uye nhoroondo yekubhadhara, zvichawedzerwa kune yako kiredhiti kiredhiti, uko kunogona kukubatsira kudzikisa yako wega chikwereti mashandisirwo ezinga.
Nehurombo, kune njodzi dziripo mukuve mushandisi ane mvumo pane account yeumwe munhu. Kana munhu iyeye akamboshaya mubhadharo kana kuwedzera kiredhiti kako kushandisa (uye nekudaro yako kiredhiti kushandiswa), zvakashata mhedzisiro yaizokupa iwe futi. Ichi chikonzero nei zvichikosha kuti iwe utarise zvayakanakira nezvayakaipira usati wabatanidza yako pachako kiredhiti mamaki kune mumwe munhu.
Chinyorwa ichi chakagoverwa nekuda kwekudzidzisa chete uye hachifanirwe kutorwa seyambiro yekudyara, zano kana chigadzirwa chekudyara. Ruzivo rwurimo mugwaro urwu rwakawanikwa kubva kunzvimbo dzinofungidzirwa kuvimbika, asi kwete kuvimbiswa.
Zviri Mukati
- Chii chikwereti chikwereti?
- Nhoroondo yekubhadhara
- Chikwereti chekushandisa mwero
- nhoroondo yechikwereti
- Kiredhi musanganiswa
- Zvikumbiro zvitsva zvechikwereti
- Chii chinogona kukonzeresa yako kiredhiti chikero kudonha?
- Nzira nomwe dzekukwiridzira yako kiredhiti mamaki nekukurumidza
- Nzira yekuwedzera yako Chikwereti Score nekukurumidza
- 1. Tarisa kiredhiti koti ako nekuda kwekukanganisa
- 2. Tora (uye gara) kusvika parizvino pakubhadhara
- 3. Bhadhara yako iripo kadhi rechikwereti
- 4. Funga nezvekusimbiswa kwechikwereti
- 5. Wedzera zvikwereti zvako
- 6. Wana kiredhiti yemashandisirwo ebhadharo
- 7. Iva mushandisi ane mvumo pamaakaundi emumwe munhu