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Zvinorevei Kiredhiti Kiredhiti Score Zvinorevei?

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Wese mugari wemuUS akashandisa kukweretesa anopihwa mamaki neFair Isaac Corporation, kana FICO. Chimwe chezvikamu pachiyero chayo chinozivikanwa se "chakaringana kiredhiti". Inobatanidza iyo 580-669 renji. Kana iwe ukatarisa pakuputsika, iwe uchaona kuti iyi nhanho yakaderera kune "yakanaka kiredhiti". Ehe, yakakwana huwandu haisi iyo yakanakisa mhedzisiro. Sei vatengi vachiiwana, uye iwe ungasimudzira sei nhanho yavo?

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  1. Chikamu chako chakakosha chiratidzo. Iyo inoshandiswa nemhando dzakasiyana dzemasangano kuenzanisa vanyoreri zvichienderana nekiredhiti.
  2. Iwe unogona kuve nechokwadi chekuti yako yakazara inotariswa nevanokweretesa, makambani einishuwarenzi, varidzi vemba, uye vashandirwi.
  3. Iyo inobata akawanda matunhu ehupenyu, saka chinzvimbo chepamusoro pachiyero cheFICO chinovhura mikova yakawanda. 

Zvikoro Zvinoita Sei

Kunge VantageScore, iyo nzira yakavakirwa pachiyero kubva pamazana matatu kusvika mazana masere nemakumi masere. Izvi zvakapatsanurwa kuita zvikamu zvinoverengeka, zvine "varombo kwazvo" uye "zvakanaka" zvichitangira "zvakanaka", "zvakanaka kwazvo" uye "zvakasarudzika". Mazana masere akakwana kuwana akanakisa mamiriro uye masevhisi. Iko kuongorora kunoenderana nemishumo yakanyorwa nemahofisi epasirese.

Sekureva kweiyo Experian Bureau, vakatenderedza 17% yevagari vemuUS vanowira mukati mechikamu. Vatengi ava vanofanirwa kuvandudza chinzvimbo chavo chekuchengetedza mari uye vova vakavimbika mumaziso emasangano. Izvi zvinogona kuwanikwa nekugadzirisa kana kuvaka zvekare zvibodzwa, zvinoenderana nekururama kwemishumo. 

Kugadzirisa kunoenderana nemakakatanwa epamutemo kubvisa ruzivo rwenhema rwunokuvadza. Tarisa zvazvino chikwereti kugadzirisa.com ongororo paChikwereti Yakagadziriswa kuti uone kuti izvi zvinoshanda sei. Kuvakazve zvinoreva kushanda nezvakasiyana zvikamu zveiyo FICO kuongororwa, senge saizi yechikwereti chose. Iyo sarudzo inoenderana nezvinangwa - semuenzaniso, ungangoda yepamusoro kiredhiti chikwereti kutenga mota

Vanyoreri kubva muchikamu "chakaringana" vanoonekwa nekufungira. Iyo nhanho inokanganisa mamiriro uye kuwanika kwemakiredhiti masevhisi, ingave iri auto chikwereti, mogeji, kana kiredhiti kadhi. Dzikisa mwero wako muhutongi - iwo akakwira huwandu hwechido. Kana iwe ukawana mvumo, kukwereta kunodhura kupfuura kune mumwe munhu kubva kumusoro. 

Zvakanakira Zvakanakisa Zvikoro

Kukwira muchirongwa kwakakosha kune rako remangwana remari. Improvement inokwezva kumamirioni avanhu. Heano mamwe mabhenefiti.

  • Mitero yemubhadharo pamhando dzakasiyana dzemasevhisi ichave yakaderera, zvinoreva kuti kukwereta kuchaderera.
  • Nemitengo yakaderera inouya yakaderera kubhadhara. Kusangana nemitoro mwedzi wega wega kuchave kuri nyore. 
  • Iwe uchavhura zvirinani mamiriro pamakadhi, kusanganisira zero kufarira, madhiri, uye mibairo.
  • Kurenda furati kana imba zvichave nyore, sezvo varidzi vemba vachakuona iwe seane hanya mutariri.

Nei Zvikoro Zvichiwa

Sezvo huwandu hwese hwakavakirwa pamushumo, chii chaizvo chinokanganisa icho? Iyo nzira yeFICO inotarisa zvinhu zvishanu zvehunhu hwako hwekukwereta. Mumwe nemumwe wavo ane chairo chinzvimbo pane chako chinzvimbo. Hechino kuputsika:

  • kubhadhara kwepamberi (35%);
  • huwandu hwakazara chikwereti (30%);
  • zera rekodhi (15%);
  • maakaundi matsva (10%);
  • kiredhi musanganiswa (10%).

Ziva kuti nzira dzakasiyana dzekuwongorora dzinovimba nezvinhu zvakasiyana, kunyange FICO neVantageScore zvakafanana. Kazhinji kazhinji, totari dzisingafadzi dzinoonekwa semhedzisiro yekushomeka kwebhajeti. Semuyenzaniso:

  • Iwe unogona kunge wakarasikirwa nemari munguva yakapfuura. Urwu ndirwo rudzi rwekukuvadza ruzivo, sezvo rwuchitsanangura chikuru chikamu chechikamu. Semutemo, vanokweretesa vanotaura vachinonoka kubhadhara mazuva makumi matatu mushure menguva yakatarwa. 
  • Pakupedzisira, kutadza kubhadhara mhedzisiro mukuunganidzwa, kusarongeka, kubhuroka, uye kutonga kwevanhu, izvo zvinosvibisa huwandu hwemakore manomwe (Chitsauko 7 kubhuroka kunogara kwemakore gumi).
  • Iwe unogona kunge wakashandisa zvakawandisa zvemiganhu yako. Kuwedzeredza makadhi echikwereti ipfungwa inotyisa, sezvo ichiunza chiyero chekushandisa ku100%. Zvichakadaro, nyanzvi dzinokurudzira kushandisa kwete inopfuura gumi muzana yemiganhu yako yese.
  • Kana iwe uine zvishoma ruzivo nechikwereti, nhoroondo yako ipfupi kwazvo.
  • Vanokwereta vanoshandisa chete kana maviri marudzi emasevhisi vane yakashata chikwereti musanganiswa. Ichi chinhu, chinoitirwa 10% yemhedzisiro, inoratidza kugona kwako kubata mhando dzakasiyana dzezvisungo.
  • Unogona kunge wawana chikwereti chakawandisa.
  • Iwe unogona kunge wakatumira zvakawandisa zvikumbiro mukati menguva pfupi. Kuyera kutengesa kunotenderwa, asi kukumbira mhando dzakasiyana dzechikwereti kune mhedzisiro, nekuti zvinoita kuti utaridzike semumwe munhu anoda mari.

Ndingaite Sei Kuti Ndiwedzere Kiredhiti Kangu Score?

Kana mamaki ako akadonha zvisina kurongeka, gadzirisa zvikanganiso zvekuzivisa iwe pachako kana kuhaya nyanzvi. Kugadzirisa kunoenderana nezvakatemwa muThe Fair Chikwereti Kuzivisa Mutemo, uyo unosungira mahofisi kubvisa chero ruzivo rwavanotadza kuratidza. Kuti uvhure gakava, unofanirwa kutsvaga humbowo uye woita makopi emagwaro kuti utsigire chikumbiro chako. A template inowanika pawebsite yeThe Consumer Financial Protection Bureau. 

Neimwe nzira, tsvaga yekugadzirisa kambani mudunhu rako. Iwo mahunyanzvi anowana kusaenderana mune ako marekodhi, gadzirira humbowo uye vopokana navo zvakamiririra iwe. Izvi zvinoponesa nguva, sezvo iwe usingafanire kufamba nemitemo kana kubata neyepamutemo tsamba. Yese tsamba yekukakavara inotangisa kuferefetwa kwemukati kunotora kwemazuva makumi matatu. Kana iyo Bureau ichibvuma shanduko, iwe unowana kopi yemushumo wakagadziridzwa mahara.

Kana chikamu chakaringana chiri chechokwadi, hapana chekugadzirisa. Panzvimbo iyoyo, tarisa ako ekukwereta mapatani kuti uone kuti ndeapi maficha eFICO anodhonzera iyo yakazara pasi. Semuenzaniso, ungangoda kudzikisa mashandisiro nekubhadhara zvimwe zviyero, kuwedzera miganho, kuwana kadhi nyowani, kana kuve mushandisi ane mvumo. Zvishoma nezvishoma, chinzvimbo chako chinozovandudza, kuvhura zvirinani mamiriro emhando dzakasiyana dzemasevhisi.

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Mupepeti mukuru ndiLinda Hohnholz.

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