Nzira yekusimudza Chibodzwa changu muCredit Bureau

Munyika zvemari, Chikwereti Bureau chave chishandiso chakakosha chekuongorora kugadzirisa uye mutoro wechikwereti wevanhu. Chibodzwa cheCredit Bureau, chinozivikanwawo senhoroondo yechikwereti, chinoita basa rakakosha paunenge uchinyorera zvikwereti, zvikwereti zvemba kana makadhi echikwereti. Kunyangwe kuchengetedza mamakisi akanaka kungaite sekunetsa, kune anoshanda ehunyanzvi matangi uye nzira dzinogona kukubatsira kusimudza yako Credit Bureau mamakisi. Muchinyorwa chino, tichaongorora mamwe emhando yepamusoro maitiro uye kurudziro izvo zvinokutendera iwe kuti uvandudze nhoroondo yako yechikwereti uye uwane yakasimba chinzvimbo chemari.

1. Chii chinonzi Credit Bureau Score uye chinokanganisa sei nhoroondo yangu yechikwereti?

Chikwereti Bureau Chibodzwa chiyero chenhamba chinoratidza kugona yemunhu kuti usangane nezvisungo zvako zvechikwereti. Zvibodzwa izvi zvinoverengerwa zvichibva paruzivo rwunopihwa kumasangano anokweretesa uye zvinoratidza nhoroondo yechikwereti chemunhu. Chikwereti Bureau Chibodzwa chinotangira pa300 kusvika pa850, ne300 chiri chibodzwa chakaderera uye 850 chibodzwa chepamusoro.

Chikwereti Bureau Chibodzwa chishandiso chakakosha kune vanokweretesa uye masangano emari, sezvo ichivabvumira kuongorora njodzi yechikwereti chemunhu vasati vapa chikwereti kana kiredhiti. Nhamba yepamusoro inoratidza kuti munhu ane nhoroondo yakanaka yechikwereti uye haana njodzi yekuwedzera chikwereti kune. Kune rumwe rutivi, zvibodzwa zvakaderera zvinoratidza kuti munhu ane nhoroondo yakaipa yechikwereti uye ari riskier kuwedzera chikwereti kune.

Iyo Credit Bureau Score inogona kukanganisa nhoroondo yako yechikwereti nenzira dzakasiyana. Semuenzaniso, zvibodzwa zvakaderera zvinogona kuita kuti zviome kuwana zvikwereti zvitsva kana kiredhiti, sezvo masangano ezvemari achingwarira kupa kiredhiti kune vanhu vane nhoroondo yakaipa yechikwereti. Pamusoro pezvo, chibodzwa chakaderera chinogona kukonzera mubereko wepamusoro kana kurambwa kwechikwereti. Kune rimwe divi, zvibodzwa zvakakwirira zvinogona kukubvumidza kuti uwane zvirinani mazwi echikwereti uye mabhenefiti, senge yakaderera mubereko uye yakakwira miganho yechikwereti.

2. Kunzwisisa kukosha kwekuwedzera Chibodzwa changu cheCredit Bureau

Nekunzwisisa kukosha kwekuwedzera Chikwereti Bureau Score, tinogona kutora matanho ekuvandudza kiredhiti yedu. Chibodzwa chepamusoro chinotipa zvakanakira kana tichikumbira zvikwereti kana zvikwereti, sezvo zvichiratidza mutoro wedu uye kugona kubhadhara.

Kuti tiwedzere yedu Chikwereti Bureau Score, zvinodikanwa kutevedzera akatevedzana matanho. Chekutanga, zvakakosha kuti tiongorore nhoroondo yedu yechikwereti uye kuona kuti hapana zvikanganiso kana kusawirirana mune data redu. Kana tikawana chero ruzivo rwusina kururama, tinofanira kuhuzivisa nekukasika kuitira kuti hugadziriswe.

Imwe pfungwa inokosha ndeyokuchengetedza zvikwereti zvedu. Zvinokurudzirwa kubhadhara zvatinosungirwa nenguva, kudzivirira kunonoka kana kubhadhara zvishoma. Pamusoro pezvo, zvinokurudzirwa kuchengetedza mwero wakaderera wekushandiswa kwechikwereti chedu, sezvo izvi zvichiratidza mutoro wemari. Zvinobatsirawo kusiyanisa marudzi edu echikwereti, tichiratidza kuti tinokwanisa kubata mhando dzakasiyana dzezvikwereti kana makadhi echikwereti.

3. Matanho akakosha ekuvandudza Chibodzwa changu cheCredit Bureau

Kuvandudza yako Chikwereti Bureau Score inogona kuve yakareba uye inonetesa maitiro, asi nekutevera aya akakosha nhanho unogona kutanga nzira yekuenda kune zvirinani kiredhiti.

1. Tarisa nhoroondo yako yechikwereti: Zvakakosha kutanga nekuongorora nhoroondo yako yechikwereti kuti uone kukanganisa kana kusaenderana. Iwe unogona kukumbira rondedzero yemahara kubva kuCredit Bureau uye kunyatsoongorora yega yega manyorerwo. Kana iwe ukawana kukanganisa, zvakakosha kuti uiudze uye kukumbira kururamiswa kwayo nekukurumidza sezvinobvira.

2. Bhadhara zvikwereti zvako nenguva: Chimwe chezvinhu zvakakosha zvinopesvedzera Chibodzwa chako kubata nenguva mukubhadhara zvikwereti zvako. Ita shuwa kuti iwe unobhadhara yako nenguva uye kudzivirira kunonoka. Kana iwe uchinetseka kuzadzisa zvisungo zvako zvemari, funga kuseta zviyeuchidzo zvekubhadhara kana kuti otomatiki kubhadhara kwako kuti usakanganwe.

3. Deredza zvikwereti zvako: Kuva nechikwereti chepamusoro kunogona kukanganisa chikwereti chako. Edza kudzikisa zvikwereti zvako nepaunogona napo, kungave nekubhadhara zvinopfuura zvishoma zvinodikanwa kana nekutsvaga sarudzo dzekutaurirana uye kugadzirisa zvakare mabhadharo ako. Kugadzira chirongwa chekubhadhara uye kuchengetedza bhajeti rakaringana kuchakubatsira kuderedza zvikwereti zvako zvinobudirira.

4. Machengetero enhoroondo yakanaka yechikwereti kuti ndiwedzere Chikwereti changu cheBureau Score

Kuchengeta nhoroondo yakanaka yechikwereti ndicho chinhu chakakosha pakuwedzera Chikwereti chako Bureau Chibodzwa uye nekuwana nzira dziri nani dzemari mune ramangwana. Heano mamwe matipi uye marongero ekuita izvi:

Kubudirira mukubhadhara zvikwereti zvako: Chimwe chezvinhu zvakakosha pakuchengetedza nhoroondo yakanaka yechikwereti kubhadhara zvikwereti zvako nenguva. Izvi zvinosanganisira makadhi echikwereti, zvikwereti zvemunhu, zvikwereti zvemba, pakati pezvimwe. Izvo zvakakosha kuti ubhadhare pamazuva akatarwa kudzivirira kuwira mukunonoka kana kusabhadhara.

Kushandisa chikwereti zvine mutoro: Chimwe chinhu chakakosha ndechekushandisa nekuchenjera chikwereti chaunacho. Usatore mari yakawanda uye ita shuwa kuti iwe unochengeta chikwereti chako pachiyero chinonzwisisika maererano nemari yaunowana. Edza kusashandisa zvinopfuura makumi matatu kubva muzana zvechikwereti chako uye kudzivirira kuunganidza chikwereti chakawandisa panguva imwe.

Kugara uchitarisa: Zvakakosha kuti iwe uzive nhoroondo yako yechikwereti uye kuti uiongorore nguva dzose. Tarisa mushumo wechikwereti chako nguva nenguva kuti uve nechokwadi chekuti ruzivo rwuri pafaira rwakarurama uye rwuchienderana. Kana ukawana chero kukanganisa, taura neCredit Bureau kuti ugadzirise nekukasika. Pamusoro pezvo, kune maturusi epamhepo nemasevhisi anogona kukubatsira kutarisa nhoroondo yako uye kugamuchira chenjedzo kune chero shanduko kana chiitiko chekufungidzira.

5. Kukosha kwekubhadhara zvikwereti zvangu nenguva kuti ndiwedzere Kiredhiti Bureau Chibodzwa changu

Chikwereti Bureau Chibodzwa chishandiso chakakosha chinoshandiswa nemasangano ezvemari kuongorora huwandu hwekubhadhara kwemunhu. Chibodzwa chakanaka chinoratidza kuti une mutoro uye wakavimbika paunosangana nezvisungo zvemari. Naizvozvo, zvakakosha kuti ubhadhare zvikwereti nenguva kuti uzviwedzere uye uve nechokwadi chekuti unochengetedza mukurumbira wakanaka wechikwereti.

Kuti utore zvakanaka zvikwereti uye uvandudze Chikwereti Bureau Score, zvakakosha kutevera zvimwe matanho makuru. Chokutanga pane zvose, zvakakosha kuita kunyatsoongorora kwedu mari yemunhu uye tinoziva zvikwereti zvose zvatinazvo. Izvi zvichatibatsira kuti tinyatsoona mamiriro edu ezvinhu uye kuti tizive kuti ndiani watinofanira kukwereta, kuti tine chikwereti chakadii uye kuti tinofanira kuribhadhara rini.

Danho rechipiri nderekutanga chirongwa chekubhadhara. Izvo zvakakosha kumisa bhajeti yekugovera mari inodiwa kune yega yega chikwereti uye kudzivirira kunonoka kubhadhara. Kuisa pamberi pezvikwereti zvechimbi-chimbi kana zviya zvine mubereko wakakwira ndicho chinhu chakakosha kuvadzivirira kuti vasarambe vachiburitsa mubereko uye zvichikanganisa yedu Chikwereti Bureau Score. Pamusoro pezvo, kuita imwe mubhadharo pazvinogoneka kuchabatsira kudzikisa chikwereti nekukurumidza uye kuvandudza Score yedu.

6. Mazano ekuderedza chikwereti changu uye kuwedzera Chikwereti changu cheBureau Score

Pano tinopa mamwe akakosha nzira dzekudzikisa chikwereti chako uye kuwedzera yako Credit Bureau Score:

1. Ongorora mamiriro ako emari: Ongorora mamiriro ako ezvinhu uye uverenge chikwereti chako. Kuti uite izvi, tsvaga zvikwereti zvako zvese uye wozvironga zvichienderana nekufarira kwavo, nguva, uye mari yasara. Izvi zvichakubatsira iwe kunzwisisa ukuru hwechikwereti chako uye kukoshesa kubhadhara.

2. Gadzira chirongwa chekubhadhara: Gadzira hurongwa hwekubhadhara zvikwereti zvako zvakarongeka. Funga nezvesarudzo yekubhadhara zvikwereti zvine mubereko wakakwira kutanga, sezvo izvi zvichigona kukanganisa zvakanyanya Chikwereti chako Bureau Score. Tsanangura huwandu hwemari yauchagovera pamwedzi kubhadhara zvikwereti uye kunamatira kune yako bhajeti.

3. Chengetedza kubhadhara kwako kune imwe nguva: Zvakakosha kubhadhara zvikwereti zvako nenguva. Nhoroondo yekunonoka kana kupotsa kubhadhara inogona kukanganisa Credit Bureau Score yako. Funga nezve otomatiki kubhadhara kwako kudzivirira kunonoka uye kuseta zviyeuchidzo zvekubhadhara mazuva akafanira.

7. Nzira yekusiyanisa nhoroondo yangu yechikwereti kuti ndivandudze Chikwereti che Bureau yangu

Kuti uvandudze yako Credit Bureau mamakisi, zvakakosha kusiyanisa nhoroondo yako yechikwereti. Heano mamwe maitiro aungateedzere kuita izvi:

1. Wana marudzi akasiyana echikwereti: Nyorera mhando dzakasiyana dzechikwereti, senge kadhi rechikwereti, chikwereti chako, kana chikwereti chemotokari. Izvi zvichabatsira kuratidza zvikwereti zvekwereti kuti iwe unokwanisa kubata marudzi akasiyana echikwereti.

2. Shandisa kadhi rako rechikwereti zvine hungwaru: Kana uine kadhi rechikwereti, rishandise zvine musoro uye dzivisa kuunganidza chikwereti. Edza kuchengetedza mari yako iri pasi pe30% yechikwereti chako uye ubhadhare nenguva. Izvi zvinoratidza kuti uri mubhadhari akanaka uye zvinobatsira kuvandudza nhoroondo yako yechikwereti.

3. Chengetedza hukama hwakanaka nevakwereti vako: Zvakakosha kuchengetedza ukama hwakanaka nevakwereti vako. Bhadhara nenguva, taura navo kana paine matambudziko uye chengetedza hurukuro yakavhurika. Izvi zvinogona kukubatsira kutaurirana zvirinani uye kuratidza zvikwereti zvechikwereti kuti uri mutengi akavimbika.

8. Kurudziro yezvikwereti zvazvino paCredit Bureau Score yangu

Izvo zvakakosha kuti titarise pesvedzero ine makiredhiti aripo paCredit Bureau Score yedu. Rekodhi iri rinoshandiswa nemasangano ezvemari kuongorora kukwanisa kwedu kubhadhara uye kusarudza kuti otipa chikwereti here kana kuti chikwereti. Pazasi, tinokupa ruzivo rwekuti makiredhiti azvino anogona kukanganisa Score yako uye mamwe matipi ekuchichengetedza iri mumamiriro akanaka.

1. Kutevedzera mubhadharo: Kubhadhara nenguva kwezvikwereti zvazvino kwakakosha kuchengetedza Chibodzwa chakanaka muCredit Bureau. Kana iwe ukabhadhara pazuva rakatarwa, iwe ucharatidza mutoro uye kugadzirisa kwemari, izvo zvinovandudza nhoroondo yako yechikwereti. Nekune rimwe divi, kunonoka kubhadhara kana kusabhadhara kunogona kukanganisa Score yako, sezvo zvichiratidza kutadza kuita zvisungo zvako zvemari.

2. Chikwereti chazvino: Huwandu hwezvikwereti zvako zvazvino zvakare zvinopesvedzera yako Credit Bureau Score. Kana uine chikwereti chakanyanya maererano nemari yaunowana, zvibodzwa zvako zvinogona kuderera. Naizvozvo, zvinokurudzirwa kuchengetedza chiyero pakati pemari yaunowana nezvikwereti zvako, uchidzivirira kuve nechikwereti chakanyanya. Kana uine mitsetse yakati wandei yechikwereti yakavhurika, unogona kufunga kubhadhara zvimwe zvikwereti kuti udzikise huwandu hwese uye kuvandudza Chibodzwa chako.

9. Mabatiro emibvunzo yechikwereti paChikwereti changu Bureau Chibodzwa

The Credit Bureau Score chishandiso chinoongorora nhoroondo yechikwereti chemunhu uye inopa ruzivo rwakakosha kune vanokwereta kuti vaone kugona kwavo kubhadhara. Imwe yezvakasiyana zvinokanganisa Chibodzwa nhamba yezvikwereti zvinobvunzwa nevashandisi. Muchikamu chino, tichaongorora maitiro emibvunzo iyi uye kuti tingaipindura sei nemazvo. zvinobudirira.

Mibvunzo yechikwereti inowira muzvikamu zviviri: zvinyoro uye zvakaoma. Mivhunzo yakapfava ndeiya inogadzirwa nemushandisi kuti vatore yavo kiredhiti repoti kana nemasangano ezvemari anoda kupa zvigadzirwa zvakafanotenderwa. Iyi mibvunzo haina kukanganisa Score uye haionekwe kune vanokwereta. Nekune rimwe divi, kubvunza kwakaoma ndekunoitwa nemasangano emari nekuda kwechikumbiro chechikwereti. Iyi mibvunzo inogona kukanganisa Chibodzwa uye inoonekwa kune vanokwereta.

Zvinogara zvakakosha kuti utarise mabatiro angaite mibvunzo yakaoma paChikoreso. Kuti uderedze kushanda kwayo, zvinokurudzirwa:

• Ramba uchifunga kuti kubvunza kwakawanda kwakaoma munguva pfupi kunogona kuratidza njodzi yechikwereti.
• Nyorera kiredhiti chete pazvinenge zvichidiwa uye dzivisa kuita akawanda maapplication panguva imwe chete.
• Tsvagurudza uye enzanisa mareti uye mamiriro echikwereti emasangano akasiyana usati waendesa chikumbiro.

10. Zvinotora nguva yakadii kuti ndiwedzere Chibodzwa changu cheCredit Bureau?

Nguva inotora kuti uwedzere Chikwereti chako Bureau Chibodzwa zvinoenderana nezvakati wandei zvinhu. Iko hakuna nguva chaiyo yekuzadzisa izvi, sezvo izvi zviri pasi pezvakasiyana zvakawanda, senhoroondo yako yechikwereti, maitiro ako ekubhadhara, uye mwero wechikwereti chaunacho. Nekudaro, pane mamwe marongero aunogona kutevera kuti ubatsire kukurumidza kuita uye kugadzirisa yako mamakisi nekukurumidza.

Chekutanga, zvakakosha kuti uongorore nhoroondo yako yechikwereti uye uve nechokwadi chekuti hapana zvikanganiso kana ruzivo rwechinyakare. Unogona kukumbira repoti rechikwereti uye woona kuti ruzivo rwese rwakarurama. Kana ukawana chero zvikanganiso, unofanirwa kubata iyo yakakodzera yekukweretesa institution kuti uzvigadzirise.

Rimwe danho rinokosha nderekutanga uye kuchengetedza tsika dzakanaka dzekubhadhara. Izvi zvinoreva kubhadhara zvikwereti zvako nenguva uye zvizere mwedzi wega wega. Zano rakanaka kumisa zviyeuchidzo zvekubhadhara kana kuseta otomatiki kubhadhara kudzivirira kunonoka. Izvo zvakare zvinokurudzirwa kuchengetedza yakaderera mwero wechikwereti chekushandisa, ndiko kuti, usashandise inopfuura 30% yeunowanikwa kiredhiti yako. Muchidimbu, kuvandudza yako Credit Bureau Score zvinotora nguva uye kuzvipira, asi nekuenderera mberi mazano aya iwe unogona kukurumidza kuita uye kuwana mhedzisiro yakanaka.

11. Basa rekukanganisa kiredhiti uye maitiro ekuvaruramisa kurera kiredhiti yangu Bureau Score

Zvikanganiso zvechikwereti zvinogona kukanganisa zvakanyanya paCredit Bureau Score yako, asi rombo rakanaka pane matanho aungatora kuti uzvigadzirise. Pano tinokuratidza kuti sei gadzirisa dambudziko iri nhanho nhanho:

1. Tarisa mushumo wako wechikwereti: Chekutanga zvaunofanira kuita ndeyekutora kopi yerepoti yako yechikwereti. Unogona kuikumbira mahara kuburikidza neCredit Bureau. Nyatsoongorora mushumo kuti uone chero kukanganisa kana kusawirirana muruzivo.

2. Nyora chero kukanganisa kana kusawirirana: Kana iwe ukawana chero zvikanganiso pamushumo wako wechikwereti, iva nechokwadi chekuzvinyora nemazvo. Izvi zvinosanganisira zuva, ruzivo rwechikanganiso, uye chero humbowo kana zvinyorwa zvinotsigira zvaunoda. Ruzivo rwakawanda rwaunounza, zvirinani nyaya yako ichange iri mukugadzirisa kukanganisa.

3. Isa kupokana zviri pamutemo: Kana uchinge watora ruzivo rwese rwakakodzera, unofanirwa kuisa gakava riri pamutemo neCredit Bureau. Izvi zvinogona kuitwa kuburikidza neyako webhusaiti kana netsamba. Iva nechokwadi chekuisa kopi yerepoti yako yechikwereti uye chero mamwe magwaro anotsigira nyaya yako. ICredit Bureau inoongorora zvaunenge wataura uye gadziriso inodiwa kumushumo wako wechikwereti kana zvikanganiso zvichiratidzwa.

12. Matorero emubairo nezvirongwa zvekubatsira kuvandudza Chibodzwa changu cheCredit Bureau

Kana zvasvika pakuvandudza yako Chikwereti Bureau Score, kutora mukana wemibairo uye mabhenefiti zvirongwa zvinogona kuve zano rinoshanda. Zvirongwa izvi zvinopa akasiyana mabhenefiti ayo asingangokupi iwe chete mamwe mabhenefiti, asi anogona zvakare kukanganisa zvakanaka nhoroondo yako yechikwereti. Pazasi, ini ndichagovera mamwe matipi ekuti ungawana sei zvakanyanya kubva muzvirongwa izvi:

1. Nzwisisa zvirongwa zviripo: Tsvakurudza uye uwane ruzivo rwakadzama nezvemibairo yakasiyana uye zvirongwa zvekubatsira zvinopihwa nemasangano emari. Kunzwisisa zvirevo nemamiriro, mitengo yemubereko uye zvinodiwa zvakakosha pakusarudza chirongwa chinonyatsoenderana nezvido zvako nezvinangwa.
2. Shandisa zvine hungwaru makadhi ako echikwereti: Imwe nzira yekutora mukana wezvirongwa zvemibairo ndeye kushandisa makadhi ako echikwereti zvine hungwaru uye zvine hungwaru. Ita kutenga kwako kwemazuva ese uye kubhadhara masevhisi uchishandisa makadhi ako echikwereti, nokudaro uchitora mukana wemibairo yavanopa nenzira yemapoinzi, mamaira kana mari.
3. Tonga mibairo yako nemazvo: Kana uchinge waunganidza mibairo, zvakakosha kuti uibate zvinobudirira. Shandisa mapoinzi kana mamaira awana kutenga kana kudzikinura zvikomborero zvinonyanya kukosha kwauri. Regedza kuunganidza mibairo usingaashandise, nekuti izvi hazvibatsire kuvandudza Chikwereti chako Bureau Score.

Muchidimbu, kutora mukana wemibairo uye mabhenefiti zvirongwa zvekuvandudza yako Chikwereti Bureau Score zvinoda ruzivo uye kuronga. Nekunzwisisa kwakajeka kwezvirongwa zviripo uye nekuchenjera kushandisa makadhi ako echikwereti, unogona kuunganidza mibairo inobatsira kusimbisa nhoroondo yako yechikwereti. Rangarira kubata mibairo yako zvine hungwaru uye uishandise zvine hungwaru kuti ubatsirwe zvakanyanya.

13. Kukosha kwekugadza zvinangwa zvemari kuti ndiwedzere Chikwereti changu cheBureau Score

Kumisa zvibodzwa zvemari kwakakosha kana iwe uchida kuwedzera yako Chikwereti Bureau Score. Chirevo cheCredit Bureau Chiyero chenhamba chinotangira pamazana matatu kusvika pamazana masere nemakumi mashanu, uye chinoratidza nhoroondo yako yechikwereti uye kugona kwako kuzadzisa zvisungo zvako zvemari. Chibodzwa chakanaka chinokutendera kuti uwane mikana iri nani yechikwereti uye uwane zvikwereti zvine mubereko wakaderera. Pazasi, tinopa mamwe matipi ekumisikidza zvibodzwa zvemari izvo zvinokubatsira kuvandudza yako Credit Bureau Score.

1. Ongorora mamiriro ako ezvinhu: Usati waronga zvinangwa zvemari, zvakakosha kuti uongorore mamiriro ako emari iye zvino. Ongorora mari yako, mari uye zvikwereti zvasara. Ziva nzvimbo dzaunogona kuderedza mari uye kuwedzera mari yaunowana. Izvi zvinokutendera kuti uve nechiono chakajeka chemamiriro ako uye kutsanangura zvinangwa zvinogoneka.

2. Isa zvikwereti zvako pamberi: Kana uine zvikwereti zvausina kukwereta, zvakakosha kuti uzviise pamberi uye uwane nzira dzekuzvibhadhara nenguva. Izvi hazvingobatsiri chete kuti uvandudze Chikwereti chako Bureau Chibodzwa, asi zvakare kudzivirira mubereko uye mamwe machaji. Gadzira chirongwa chekubhadhara uye isa zvinangwa zvakananga kubhadhara zvikwereti zvako.

14. Kugara ndichitariswa nekutevera Chibodzwa changu muCredit Bureau kuti ndichengetedze nzvimbo yakanaka yemari

Kugara kutarisisa uye kuteedzera Chibodzwa changu muCredit Bureau kwakakosha kuchengetedza nzvimbo yakanaka yemari. Izvi zvinodaro nekuti Chikwereti Bureau Chibodzwa chishandiso chinoshandiswa nemasangano ezvemari kuongorora kugadzikana kwedu uye kuona kugona kwedu kuzadzisa zvisungo zvekubhadhara.

Kuti uchengetedze Chibodzwa chakanaka muCredit Bureau, zvakakosha kutevedzera aya matanho:

• Gara uchitarisa mamiriro eChibodzwa changu muCredit Bureau: Kuwana mushumo wangu weCredit Bureau nguva nenguva kunonditendera kuti ndigare ndichiziva nhoroondo yangu yechikwereti uye chero shanduko dzinogona kukanganisa chibodzwa changu.
• Ziva uye gadzirisa zvikanganiso zvinogona kuitika: Kunyatsoongorora chirevo changu cheCredit Bureau kunondibatsira kuona chero kukanganisa kana kusawirirana muruzivo rwakataurwa. Kana ndikawana chikanganiso, ndinofanira kubata Buró de Crédito uye ndipe magwaro anodiwa kuti ndigadzirise.
• Chengetedza nhoroondo yekubhadhara nenguva: Kutevedzera kubhadharwa kwezvisungo zvangu zvemari pamazuva akatarwa kwakakosha kuchengetedza Chibodzwa chakanaka muCredit Bureau. Nhoroondo yekubhadhara panguva inoratidza kugona kwangu uye mutoro wekutarisa chikwereti changu nemazvo.

Uyezve, zvakakosha kuyeuka kuti yakanaka Chikwereti Bureau Score haina kuvakwa nehusiku humwe, inoda nguva uye kushanda nesimba. Mamwe mazano andinogona kutevera anosanganisira:

• Deredza kuvhurwa kwemitsetse mitsva yechikwereti: Kuvhura maakaundi akawanda echikwereti munguva pfupi kunogona kutumira chiratidzo chisina kunaka kune vanokweretesa. Zvinokurudzirwa kukumbira chikwereti chete kana zvichidikanwa uye nenzira ine mutoro.
• Shandisa zvine hungwaru muganho wangu wechikwereti: Kuchengeta mwero wakaderera wekushandiswa kwechikwereti changu kunoratidza kuti ndinokwanisa kubata chikwereti changu zvine hungwaru. Zvinokurudzirwa kuchengetedza chikwereti chechikwereti chiri pasi pe30% yemuganhu wechikwereti.
• Iva nemusanganiswa wemhando dzechikwereti: Kuchengeta musanganiswa wakakodzera wekiredhiti inotenderera (semakadhi echikwereti) uye kiredhiti kiredhiti (senge zvikwereti kana zvikwereti) zvinogona kuve nemhedzisiro yakanaka pane yangu Chikwereti Bureau Score.

Mukupedzisa, kusimudza yako Chikwereti Bureau chibodzwa kunoda hurongwa uye hwakarangwa maitiro. Ita shuwa kuti unonzwisisa izvo zvinokanganisa kiredhiti yako mamaki uye shanda kusimbisa chimwe nechimwe chazvo. Shandisa maturusi ayo Buró de Crédito anoita kuti awanikwe kwauri kuti utarise nhoroondo yako uye kugadzirisa zvikanganiso zvinogona kuitika. Pamusoro pezvo, chengetedza nhoroondo yakanaka yechikwereti nekubhadhara zvaunosungirwa nenguva uye kushandisa chikwereti chako zvine musoro. Rangarira kuti kuvandudza zvibodzwa zvako zvinotora nguva uye kushanda nesimba, asi mabhenefiti eiyo yakasimba kiredhiti mamakisi ichave yakakosha. Nemoyo murefu uye nekutsungirira, iwe unozokwanisa kuzadzisa zvibodzwa zvako zvemari uye unakirwe nemabhenefiti ayo akakwira Chikwereti Bureau mamakisi anokupa.