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Yakareba Sei Kubhadharirwa Kwekupedzisira Kunokanganisa Yako Chikwereti Score?

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Ese mamaki masystem muUnited States akavakirwa pane yako kiredhiti nhoroondo, iyo inotsanangurwa mune yepamutemo nhepfenyuro kubva kuZviitiko, Equifax, uye TransUnion.

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  1. Kupotsa kana kunonoka kubhadhara ndizvo zviitiko zvinokuvadza zvakanyanya.
  2. Ivo vanotsanangura pamusoro pechetatu chekuverenga (35% yeFICO uye 40% yeVantageScore).
  3. Mhedzisiro yacho inoenderana nekukurumidza kwaunogadzirisa zvikanganiso. Hezvino zvakakosha.

Kunonoka kubhadhara kunova hutsotsi mumazuva makumi matatu. Apa ndipo panofanirwa kutaurwa zviri pamutemo. Zvinhu zvakadaro zvinogara pazvinyorwa zvemakore manomwe, kudzamara zvanyangarika zvakasikwa. Mahofisi haabvise ruzivo rwechokwadi, uye hapana mashandiro. Kana iyo inoshoreka iri mhosva yako wega, tarisana nemumhanzi: hapana chaungaite kuidzima. Kana matambudziko ako emari akakonzera muChitsauko 30 kubhuroka, zvinosvibisa marekodhi uye zvibodzwa zvemakore gumi.

Kana Chichigona Kubviswa

Mareti ekubhadara haanyangarike kusvikira nguva yapera. Hazvina basa kuti wanonoka sei - mazuva makumi matatu kana mazuva makumi matanhatu. Chero zvazvingaitika, ruzivo rucharamba ruchikanganisa chimiro chako kwemakore manomwe. Zvisinei, vatengi vanogona bvisa kunonoka kubhadhara kubva kuchikwereti mushumo kana manyepo. Kumhan'ara zvikanganiso zvakajairika, ndosaka indasitiri yekugadzirisa iri kubudirira. Chero ipi yemasangano epasirese anogona kuita zvikanganiso zvakadaro.

Kambani yakaita Lexington Mutemo inogona kuona zvikanganiso, kuunganidza humbowo kuratidza, uye kuvhura makakatanwa epamutemo. Kugadzirisa mafemu anoita zvese panzvimbo yako, iwe uchiongorora kufambira mberi kuburikidza nezvivakwa kana maapp. Panguva imwecheteyo, une mvumo yekutangisa makakatanwa uri wega, mahara.

Iyi inhanho inoda uye inotora nguva, iyo inodawo ruzivo rwemitemo yevatengi yechikwereti. Zvisingashamisi, mamirioni eAmerica anosarudza kuita kuti zvibodzwa zvavo zvigadzirirwe ivo. Sekureva kweFederal Trade Commission, 20% yevatengi sangana nezvisakarurama zvibodzwa.

Impact pane iyo Score

Kunonoka kubhadharwa kamwe kunonyanya kukosha kupfuura zvaungatarisira. Neraki, iyo pesheni inopera nekufamba kwenguva, kunyanya kana paine imwe chete misstepep mune ako marekodhi. Kana kunonoka kukaitika, dzivisa kukanganisa nekuita zvese zvinotevera kubhadhara nenguva. Izvi zvakakosha chose.

Ziva kuti bhiri yekunonoka haina kutaurwa kudzamara kwapera mazuva makumi matatu apfuura. Izvi zvinopa hwindo kuzvigadzirisa. Kana iwe ukaita mubhadharo nekukasira zvakakwana, haizoverengerwa mune yako yemari yapfuura. Mushure memazuva makumi matatu ekutanga, iko kukanganisa kunovimbiswa kukanganisa zvinyorwa uye zvibodzwa. Mhedzisiro yacho inogona kuve yakakomba sekurasikirwa nemapoinzi zana nemakumi masere! Heano mamwe mashoma mashoma.

● Kunonoka Kusingasviki Mazuva makumi matatu

Iyi ndiyo yakanaka-kesi mamiriro. Kunonoka kwakadaro hakuna kutaurwa. Paunenge uchiri kuda kubhadhara chirango, kukuvara kwacho kwakadzikiswa.

● Kunonoka Kwemazuva 30-59

Mushure memazuva makumi matatu ekutanga, kushora kunoonekwa pane zvinyorwa zvako. Panguva imwecheteyo, iwe uchiri kufanira kuita, kuripa. Zviite nekukurumidza sezvazvinogona.

● Kunonoka Kwemazuva makumi matanhatu +

Ukasuwa mazuva maviri akakwana mumutsara, chirevo chako chinosanganisira ziviso inokosha. Izvi zvinowedzera kukuvadza kune yako chinzvimbo, saka inonyura zvakadzika. Iyo yakawanda kubhadhara iwe yaunosvetuka - iko kwakawanda zviziviso zvinowedzerwa, uye zvakanyanya kukomba mabhenefiti. Pakupedzisira, chikwereti chichaendeswa kune vateresi, nepo mukweretesi wekutanga achivhara account.

Tora nzira dzekudzivirira

Sezvauri kuona, kushaya kubhadhara ndiyo mhosho yakaipisisa yaungaite. Vamwe vanopa makadhi havarange nekuda kwekunonoka kubhadhara (usaise mari), asi izvi hazviratidzi kusava nehanya. Kusazvibata hunhu hunoisa mamaki ako panjodzi.

Ichi chiratidzo hachikanganisi chete kukwereta mune ramangwana. Inotariswa zvakare neinishuwarenzi, vanoshandira, uye varidzi vemba. Mushure memazuva makumi matatu ekutanga ekunonoka, mupi wekadhi acharamba achitaura kutyora kwako. Aya matipi anotevera anokubatsira kuti usapotsa kubhadhara.

1. Autopay Sarudzo

Otomatiki kubhadhara ndiyo nzira dziri nyore dzekudzivirira zvikanganiso zvakadaro. Iyo yekumisikidza maitiro inotora 1 mineti, uye inovimbisa rugare rwepfungwa. Gadzirisa yako mubhadharo zvinoenderana nezvinodiwa, uye rega iyo system ibate zvimwe zvese. Zvese zvaunoda kuti uite kuve nechokwadi kuti bhalansi yacho yakakwana kuti mari dzacho dzipfuure.

2. Zviyeuchidzo Zvekubhadhara

Haasi munhu wese akasununguka ne otomatiki mhosva. Pane kudaro, iwe unogona kugadzira zviyeuchidzo zvekarenda kana kumisikidza zviyeuchidzo. Izvi zvinogona kusanganisira zvinyorwa uye maemail. Iwo masisitimu anogona kukuzivisa iwe kana chirevo chako chichigamuchirwa, kana imwe nhamba yemazuva yasara zuva risati rasvika, apo nzvimbo dzekubhadhara, nezvimwe. Izvi zvinoenderana nesangano rinokweretesa.

3. Sarudza Zuva Ritsva Rakakodzera

Izvo zvinorema kuteedzera yakawanda kubhadhara kana ikapararira pamusoro pemwedzi. Kugona kubhadhara zviri nani, unogona kugadzirisa zuva rakakodzera. Semuenzaniso, kana mabhiri ako akakwana chaipo mushure mezuva rekubhadhara, zviri nyore kuzadzisa izvo zvinosungirwa uye nekuchengeta iyo mari mukutarisa.

The Bottom Line

Mareti ekubhadharisa ndiwo anokuvadza ekuzvidza pamishumo yako chero iyo Bureau. Zvinokanganisa zvibodzwa zvemakore manomwe, uye hapana nzira yekubvisa ruzivo rwechokwadi. Vatengi vanofanirwa kungwarira nemubhadharo wavo, sezvo kunyange chikanganiso chimwe chete chingadzora mamaki.

Gadza zviyeuchidzo kana otopay kudzivisa akadaro missteps. Kana zvibodzwa zvako zvisina kururamisira, bvisa zvikanganiso zvekuzivisa kuburikidza nekugadzirisa. Iwe unogona kuvhura makakatanwa uri wega kana kukumbira rubatsiro rweanovimbika agency.

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Mupepeti mukuru ndiLinda Hohnholz.

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