Ungawanyusa Njani Amanqaku Am kwiKhredithi yeTyala

Emhlabeni ngokwemali, i-Credit Bereau ibe sisixhobo esiyimfuneko sokuvavanya ukuhlawuleka kunye noxanduva lwetyala lomntu ngamnye. Amanqaku eCredit Bereau, ekwabizwa ngokuba yimbali yetyala, idlala indima ebalulekileyo xa ufaka isicelo semali mboleko, imali yokubambisa okanye amakhadi okuthenga ngetyala. Nangona ukugcina amanqaku amahle kunokubonakala kungumngeni, zikho iindlela zobugcisa ezisebenzayo kunye neendlela ezinokukunceda unyuse amanqaku akho eCredit Bureau. Kweli nqaku, siza kuphonononga ezinye zeendlela ezifanelekileyo kunye nezindululo eziya kukuvumela ukuba uphucule imbali yakho yetyala kwaye ufikelele kwindawo yemali eyomeleleyo.

1. Yintoni iCredit Bureau Score kwaye iyichaphazela njani imbali yam yetyala?

Amanqaku eCredit Bureau luhlelo lwamanani olubonisa isakhono yomntu ukuhlangabezana nezibophelelo zakho zekhredithi. Eli nqaku libalwa ngokusekelwe kulwazi olunikezelwe kumaziko abolekisa ngemali kwaye lubonisa imbali yomntu yekhredithi. Amanqaku eCredit Bureau asuka kuma-300 ukuya kuma-850, kwaye ama-300 angawona manqaku asezantsi kunye nama-850 awona manqaku aphezulu.

ICredit Bureau Score sisixhobo esibalulekileyo sababolekisi namashishini emali, njengoko ibavumela ukuba bahlole umngcipheko womntu wetyala phambi kokuba anike imali-mboleko okanye ikhredithi. Amanqaku aphezulu abonisa ukuba umntu unembali yetyala elungileyo kwaye akanabungozi bokwandisa ikhredithi. Ngakolunye uhlangothi, amanqaku aphantsi abonisa ukuba umntu unembali yetyala elibi kwaye unobungozi bokwandisa ikhredithi.

Amanqaku eCredit Bureau anokuyichaphazela imbali yakho yetyala ngeendlela ezahlukeneyo. Ngokomzekelo, amanqaku aphantsi anokwenza kube nzima ukufumana imali-mboleko entsha okanye ikhredithi, njengoko amaziko emali ekulumkele ngakumbi ukunika abantu abanembali yetyala elibi. Ukongeza, amanqaku aphantsi anokubangela inzala ephezulu okanye ukwaliwa kwetyala. Kwelinye icala, amanqaku aphezulu anokuvumela ukuba ufumane imigaqo ephucukileyo yetyala kunye nezibonelelo, ezifana nenzala ephantsi kunye nemida ephezulu yetyala.

2. Ukuqonda ukubaluleka kokunyusa amanqaku am eCredit Bereau

Ngokuqonda ukubaluleka kokunyusa amanqaku eKredit Bureau, sinokuthatha amanyathelo okuphucula izinga lethu letyala. Amanqaku aphezulu asinika uncedo xa sicela imali-mboleko okanye iikhredithi, kuba oko kubonisa uxanduva lwethu kunye nokukwazi kwethu ukuhlawula.

Ukuze sinyuse aManqaku eBhrehreshini yeTyala, kuyafuneka ukulandela uthotho lwamanyathelo. Okokuqala, kubalulekile ukuphonononga imbali yethu yetyala kwaye siqinisekise ukuba akukho zimpazamo okanye ukungangqinelani kwidatha yethu. Ukuba sifumana naluphi na ulwazi olungachanekanga, kufuneka siluxele ngoko nangoko ukuze lulungiswe.

Enye ingongoma ebalulekileyo kukugcina amatyala ethu ephantsi kolawulo. Kuyacetyiswa ukuhlawula izibophelelo zethu ngexesha, ukuphepha ukulibaziseka okanye ukuhlawula inxalenye. Ukongeza, kuyacetyiswa ukugcina inqanaba eliphantsi lokusetyenziswa komyinge wetyala lethu, njengoko oku kubonisa uxanduva lwemali. Kukwaluncedo ukwahluka kweendidi zethu zetyala, ebonisa ukuba singakwazi ukujongana neentlobo ezahlukeneyo zeemali-mboleko okanye amakhadi okuthenga ngetyala.

3. Amanyathelo asisiseko okuphucula amanqaku am aBhrohrohrohrehshini bam beTyala

Ukuphucula iCredit Bureau yakho yamanqaku ingayinkqubo ende nedinisayo, kodwa ngokulandela la manyathelo abalulekileyo ungaqala indlela eya kumlinganiselo ongcono wetyala.

1. Jonga imbali yakho yekhredithi: Kubalulekile ukuqala ngokuphonononga imbali yakho yetyala ukuze uchonge iimpazamo ezinokwenzeka okanye ukungangqinelani. Ungacela ingxelo yasimahla kwi-Credit Bureau kwaye uhlalutye ngononophelo ingeniso nganye. Ukuba ufumana impazamo, kubalulekile ukuyixela kwaye ucele ukulungiswa kwayo ngokukhawuleza.

2. Hlawula amatyala akho ngexesha: Enye yezona zinto zibalulekileyo ezinefuthe kwiNqaku lakho kukufika ngexesha ekuhlawuleni amatyala akho. Qinisekisa ukuba wenza iintlawulo zakho ngexesha kwaye uphephe ukulibaziseka. Ukuba unengxaki yokuhlangabezana nezibophelelo zakho zemali, cinga ngokuseta izikhumbuzi zentlawulo okanye wenze iintlawulo zakho ngokuzenzekelayo ukunqanda ukulibala.

3. Nciphisa amatyala akho: Ukuba nenqanaba eliphezulu lamatyala kunokuchaphazela kakubi amanqaku akho etyala. Zama ukunciphisa amatyala akho kangangoko kunokwenzeka, mhlawumbi ngokuhlawula ngaphezu komlinganiselo ofunekayo okanye ngokukhangela iindlela zokuthethathethana kunye nohlengahlengiso lweentlawulo zakho. Ukuseka isicwangciso sokuhlawula kunye nokugcina uhlahlo lwabiwo-mali olwaneleyo kuya kukunceda unciphise amatyala akho ngempumelelo.

4. Uyigcina njani imbali entle yetyala ukunyusa amanqaku am aBhrohrehshini

Ukugcina imbali entle yetyala ngundoqo ekwandiseni iNqaku lakho leBhrehreshini kunye nokufikelela kwiindlela ezingcono zokuxhasa ngemali kwixesha elizayo. Nazi iingcebiso kunye nezicwangciso zokuphumeza oku:

Ukuphumelela ekuhlawuleni amatyala akho: Enye yezona zinto zibalulekileyo ekugcineni imbali entle yetyala kukuhlawula amatyala akho ngexesha. Oku kubandakanya amakhadi okuthenga ngetyala, iimali-mboleko zomntu, iimali mboleko, phakathi kwezinye. Kubalulekile ukwenza iintlawulo ngeentsuku ezimiselweyo ukuthintela ukulibaziseka okanye ukungahlawuli.

Ukusetyenziswa kwetyala ngoxanduva: Omnye umba ophambili kukusebenzisa ngenkathalo ikhredithi onayo. Ungazisebenzisi kakhulu kwaye qinisekisa ukuba ugcina amanqanaba etyala lakho ngokwepesenti efanelekileyo ngokunxulumene nomvuzo wakho. Zama ukungasebenzisi ngaphezulu kwe-30% yetyala lakho kwaye uphephe ukuqokelela amatyala amaninzi ngaxeshanye.

Ukubekwa esweni rhoqo: Kubalulekile ukuba uyazi ngembali yakho yetyala kwaye uyiphonononge rhoqo. Jonga ingxelo yakho yetyala rhoqo ukuze uqinisekise ukuba ulwazi olukwifayile luchanekile kwaye lusexesheni. Ukuba ufumana naziphi na iimpazamo, qhagamshelana ne-Credit Bureau ukuzilungisa ngoko nangoko. Ukongeza, kukho izixhobo ze-intanethi kunye neenkonzo ezinokukunceda ukuba ubeke iliso kwimbali yakho kwaye ufumane izilumkiso zalo naluphi na utshintsho okanye umsebenzi okrokrelayo.

5. Ukubaluleka kokuhlawula amatyala am kwangethuba ukunyusa amanqaku am eCredit Bureau

I-Credit Bureau Score sisixhobo esibalulekileyo esisetyenziswa ngamaziko emali ukuvavanya umthamo womntu wentlawulo. Amanqaku alungileyo abonisa ukuba unoxanduva kwaye uthembekile xa udibana nezibophelelo zemali. Ke ngoko, kubalulekile ukuhlawula amatyala kwangexesha ukuze uwanyuse kwaye uqinisekise ukuba ugcina isidima esihle setyala.

Ukulawula kakuhle amatyala kunye nokuphucula iCredit Bureau Score, kubalulekile ukulandela amanye amanyathelo aphambili. Okokuqala, kubalulekile ukwenza uhlalutyo olucokisekileyo lwethu iimali zomntu kwaye siyawazi onke amatyala esinawo. Oku kuya kusenza sibe nembono ecacileyo ngemeko yethu size sazi ukuba sityala bani, sityala malini nexesha esimele silihlawule.

Inyathelo lesibini kukuseka isicwangciso sentlawulo. Kubalulekile ukuseka uhlahlo lwabiwo-mali lokwaba imali efunekayo kwityala ngalinye kwaye kuthintelwe ukuhlawulwa kade. Ukubeka phambili awona matyala angxamisekileyo okanye lawo anenzala ephezulu ngundoqo ekuwathinteleni ekubeni angaqhubeki nokwenza inzala kwaye achaphazele kakubi Amanqaku ethu eCredit Bureau. Ukongeza, ukwenza iintlawulo ezongezelelweyo xa kunokwenzeka kuya kunceda ukunciphisa amatyala ngokukhawuleza kwaye kuphuculwe amanqaku ethu.

6. Amaqhinga okunciphisa inqanaba letyala lam kunye nokunyusa amanqaku am eCredit Bureau

Apha sibonisa iindlela ezingundoqo zokunciphisa inqanaba letyala lakho kunye nokunyusa amanqaku akho eKhredithi Bureau:

1. Hlalutya imeko yakho yezemali: Vavanya imeko yakho yangoku kwaye ubale inqanaba letyala lakho. Ukwenza oku, chonga onke amatyala akho kwaye uwahlele ngokusekelwe kwinzala yawo, ixesha kunye nemali oseleyo. Oku kuya kukunceda ukuba uqonde ubungakanani betyala lakho kwaye ubeke phambili iintlawulo.

2. Yila isicwangciso sentlawulo: Seka isicwangciso sokuhlawula amatyala akho ngokucwangcisiweyo. Cinga ngokhetho lokuhlawula amatyala anenzala ephezulu kuqala, njengoko oku kunokuchaphazela kakhulu iNqaku lakho leKredit Bureau. Chaza isixa semali oza kuyenza ngenyanga ukuhlawula amatyala kwaye unamathele kuhlahlo lwabiwo-mali lwakho.

3. Gcina iintlawulo zakho zihlaziyiwe: Kubalulekile ukuhlawula amatyala akho kwangexesha. Imbali yeentlawulo ezifike emva kwexesha okanye eziye zaphoswa zisenokwenza ukuba iCredit Bureau yakho ibe mandundu. Cinga ngokuzenzekela iintlawulo zakho ukunqanda ukulibaziseka kunye nokuseta izikhumbuzi zemihla ekufanele ihlawulwe.

7. Ndingayahlula njani imbali yam yetyala ukuze ndiphucule inqaku lam leBhrohrehshini

Ukuphucula amanqaku akho eCredit Bereau, kubalulekile ukuyiguqula imbali yakho yetyala. Nazi ezinye izicwangciso onokuthi uzilandele ukuphumeza oku:

1. Fumana iintlobo ezahlukeneyo zekhredithi: Faka isicelo seentlobo ezahlukeneyo zetyala, njengekhadi letyala, imali mboleko, okanye imali mboleko yemoto. Oku kuya kunceda ukubonisa ii-credit bureaus ukuba uyakwazi ukuphatha iintlobo ezahlukeneyo zamatyala.

2. Sebenzisa ikhadi lakho letyala ngenkathalo: Ukuba unekhadi lokuthenga ngetyala, lisebenzise ngenkathalo kwaye ukuphephe ukuqokelela amatyala. Zama ukugcina ibhalansi yakho ingaphantsi kwe-30% yesiqingqo setyala lakho kwaye wenze iintlawulo ngexesha. Oku kubonisa ukuba ungumbhatali olungileyo kwaye kukunceda ukuphucula imbali yakho yetyala.

3. Gcina ubudlelwane obuhle nabo ubakwelitayo: Kubalulekile ukugcina ubudlelwane obuhle nabo ubakwelitayo. Yenza iintlawulo ngexesha, qhagamshelana nabo xa kukho naziphi na iingxaki kwaye ugcine ingxoxo evulekileyo. Oku kunokukunceda uthetha-thethwane ngemibandela engcono kwaye ubonise ii-credit bureaus ukuba ungumthengi othembekileyo.

8. Iimpembelelo zeekhredithi zangoku kwiNqaku lam leKredit Bhrehrehshini

Kubalulekile ukuthathela ingqalelo impembelelo amatyala anayo ngoku kuNqaku weKhredithi ngeKhredithi. Le ngxelo isetyenziswa ngamaziko emali ukuvavanya amandla ethu okuhlawula kwaye enze isigqibo sokuba asinike ikhredithi okanye imali-mboleko. Ngezantsi, siza kukubonelela ngolwazi malunga nendlela iikhredithi zangoku ezinokuchaphazela ngayo iNqaku lakho kunye neengcebiso zokuwagcina ikwimeko entle.

1. Ukuthobela intlawulo: Ukuhlawulwa kwangethuba kweekhredithi zangoku kubalulekile ukugcina amanqaku amahle kwi-Credit Bureau. Ukuba wenza iintlawulo ngomhla omiselweyo, uya kubonisa uxanduva kunye ne-solvency yemali, eya kuphucula imbali yakho yekhredithi. Kwelinye icala, ukuhlawulwa kade okanye ukungahlawuli kunokuchaphazela kakubi iNqaku lakho, njengoko libonisa ukusilela ukuhlangabezana nezibophelelo zakho zemali.

2. Ityala langoku: Isixa sisonke seekhredithi zakho zangoku nazo zinefuthe kwi-Credit Bureau Amanqaku akho. Ukuba unetyala elikhulu xa kuthelekiswa nomvuzo wakho, amanqaku akho anokwehla. Ngoko ke, kuyacetyiswa ukuba ugcine ibhalansi phakathi komvuzo wakho kunye namatyala akho, ukuphepha ukuba nenqanaba eligqithisileyo letyala. Ukuba unemizila emininzi yetyala evuliweyo, ungacinga ngokuwahlawula amatyala athile ukunciphisa isixa esipheleleyo kwaye uphucule iNqaku lakho.

9. Ifuthe lemibuzo yeentengo zemboleko kwiNqaku lam leBhrehreau

I-Credit Bureau Score sisixhobo esivavanya imbali yomntu yekhredithi kwaye sibonelela ngolwazi oluxabisekileyo kubaniki-tyala ukuze baqikelele amandla abo okuhlawula. Enye yezinto eziguquguqukayo ezichaphazela iNqaku linani lemibuzo yekhredithi eyenziwe ngabasebenzisi. Kweli nqaku, siza kuphonononga impembelelo yale mibuzo kunye nendlela yokusingatha ngokuchanekileyo. ngempumelelo.

Imibuzo ngetyala iwela kwiindidi ezimbini: ezithambileyo nezinzima. Imibuzo ethambileyo yile yenziwa ngumsebenzisi ukufumana ingxelo yakhe yetyala okanye ngamaziko emali afuna ukubonelela ngeemveliso ezivunywe kwangaphambili. Le mibuzo ayichaphazeli kakubi iNqaku kwaye ayibonakali kubabolekisi. Kwelinye icala, imibuzo enzima yile yenziwa ngamaziko emali ngenxa yesicelo setyala. Le mibuzo inokuchaphazela kakubi iNqaku kwaye ibonakala kubabolekisi.

Kuhlala kubalulekile ukuthathela ingqalelo impembelelo imibuzo enzima enokuba nayo kwiNqaku. Ukunciphisa umphumo wayo, kuyacetyiswa:

• Gcina ukhumbule ukuba imibuzo emininzi enzima ngexesha elifutshane ingabonisa umngcipheko wekhredithi.
• Faka isicelo setyala kuphela xa kuyimfuneko kwaye uphephe ukwenza izicelo ezininzi ngaxeshanye.
• Phanda kwaye uthelekise iireyithi kunye neemeko zekhredithi zamaziko ahlukeneyo phambi kokufaka isicelo.

10. Kuthatha ixesha elingakanani ukunyusa amanqaku am eCredit Bereau?

Ixesha olithathayo ukunyusa amanqaku akho eCredit Bureau kuxhomekeke kwizinto ezininzi. Akukho xesha lichanekileyo lokufezekisa oku, njengoko oku kuxhomekeke kwizinto ezininzi eziguquguqukayo, ezifana nembali yakho yekhredithi, imikhwa yakho yokuhlawula, kunye nenqanaba letyala onalo. Nangona kunjalo, kukho ezinye iindlela onokuthi uzilandele ukunceda ukukhawulezisa inkqubo kunye nokuphucula amanqaku akho ngokukhawuleza.

Okokuqala, kubalulekile ukuphonononga imbali yakho yetyala kwaye uqinisekise ukuba akukho zimpazamo okanye ulwazi oluphelelwe lixesha. Ungacela ingxelo yetyala kwaye uqinisekise ukuba zonke iinkcukacha zichanekile. Ukuba ufumana naziphi na iimpazamo, kufuneka uqhagamshelane neziko elibolekayo elichaphazelekayo ngqo ukuze uzilungise.

Elinye inyathelo eliphambili kukuseka nokugcina imikhwa elungileyo yokuhlawula. Oku kuthetha ukuhlawula amatyala akho ngexesha kwaye ngokupheleleyo nyanga nganye. Ingcebiso elungileyo kukuseta izikhumbuzi zentlawulo okanye ukuseta iintlawulo ezizenzekelayo ukuphepha ukulibaziseka. Kukwacetyiswa ukuba ugcine inqanaba eliphantsi lokusetyenziswa kwetyala, oko kukuthi, ungasebenzisi ngaphezulu kwe-30% yemali onayo yokuthenga ngetyala. Ngamafutshane, ukuphucula iCredit Bureau yakho yamanqaku kuthatha ixesha kunye nokuzinikela, kodwa ngokuqhubeka la macebiso unokukhawulezisa inkqubo kwaye ufezekise iziphumo ezilungileyo.

11. Indima yeempazamo zekhredithi kunye nendlela yokulungisa ukunyusa amanqaku am eKhredithi Bhrehrehshini

Iimpazamo zetyala zinokuba nefuthe elibonakalayo kuNqaku wakho weKhredithi Bhrehreshini, kodwa ngethamsanqa akhona amanyathelo onokuwathatha ukuwalungisa. Apha sikubonisa ukuba njani sombulula le ngxaki Inyathelo nenyathelo:

1. Jonga ingxelo yakho yetyala: Ekuqaleni into omele uyenze kukufumana ikopi yengxelo yakho yekhredithi. Ungayicela simahla kwi-Credit Bureau. Jonga ngononophelo ingxelo ukuchonga naziphi na iimpazamo okanye ukungangqinelani kolwazi.

2. Bhala naziphi na iimpazamo okanye ukungangqinelani: Ukuba ufumana naziphi na iimpazamo kwingxelo yakho yetyala, qiniseka ukuba uzibhala ngokuchanekileyo. Oku kuquka umhla, iinkcukacha zempazamo, kunye nabuphi na ubungqina okanye amaxwebhu axhasa ibango lakho. Okukhona unikezela ngolwazi oluninzi, kokukhona imeko yakho iya kuba ngcono ekulungiseni impazamo.

3. Fayila imbambano esesikweni: Wakuba uqokelele lonke ulwazi olufanelekileyo, kufuneka ufake impikiswano ngokusesikweni kwi-Credit Bureau. Oku kunokwenziwa ngesandla sakho iwebhusayithi okanye ngeposi. Qiniseka ukuba ubandakanya ikopi yengxelo yetyala lakho kunye nawo nawaphi na amaxwebhu ongezelelweyo axhasa ityala lakho. I-Credit Bureau iya kuphanda ibango lakho kwaye lenze izilungiso eziyimfuneko kwingxelo yakho yetyala ukuba kukho iimpazamo ezibonisiweyo.

12. Ulithatha njani ithuba leembuyekezo kunye neenkqubo zokuxhamla ukuphucula iNqaku lam leKredit Bureau

Xa kuziwa ekuphuculeni iCredit Bureau Score, ukuthatha ithuba lembuyekezo kunye neenkqubo zezibonelelo kunokuba sisicwangciso esisebenzayo. Ezi nkqubo zibonelela ngeenzuzo ezahlukeneyo ezingaboneleli kuphela ngeenzuzo ezongezelelweyo, kodwa zinokuphembelela kakuhle imbali yakho yetyala. Ngezantsi, ndiza kwabelana ngeengcebiso malunga nendlela yokufumana okuninzi kwezi nkqubo:

1. Qonda iinkqubo ezikhoyo: Phanda kwaye ufumane ulwazi oluthe kratya malunga nemivuzo eyahlukeneyo kunye neenkqubo zezibonelelo ezibonelelwa ngamaziko emali. Ukuqonda imigaqo kunye neemeko, amazinga enzala kunye neemfuno zibalulekile ekukhetheni inkqubo ehambelana neemfuno kunye neenjongo zakho.
2. Wasebenzise ngobulumko amakhadi akho okuthenga ngetyala: Enye indlela yokufumana ithuba leenkqubo zokuwonga kukusebenzisa amakhadi akho okuthenga ngetyala ngenkathalo nangobuchule. Yenza izinto ozithenga mihla le kunye neentlawulo zeenkonzo usebenzisa amakhadi akho okuthenga ngetyala, ngaloo ndlela uthatha ithuba lemivuzo abanikela ngayo ngohlobo lwamanqaku, iimayile okanye imali.
3. Lawula imivuzo yakho ngokuchanekileyo: Nje ukuba uqokelele imivuzo, kubalulekile ukuba uyilawule ngempumelelo. Sebenzisa amanqaku okanye iimayile ozifumeneyo ukwenza ukuthenga okanye uhlawule izibonelelo ezixabiseke ngokwenene kuwe. Kuphephe ukuqokelela iimbuyekezo ngaphandle kokuzisebenzisa, njengoko oku akuyi kunceda ekuphuculeni iCredit Bureau Amanqaku akho.

Ngamafutshane, ukuthatha ithuba lembuyekezo kunye neenkqubo zezibonelelo zokuphucula iCredit Bureau Score kufuna ulwazi kunye nocwangciso. Ngokuziqonda ngokucacileyo iinkqubo ezikhoyo kunye nokusetyenziswa kakuhle kwamakhadi akho okuthenga ngetyala, unokuqokelela imbuyekezo eya kunceda ukomeleza imbali yakho yetyala. Khumbula ukulawula imivuzo yakho ngokufanelekileyo kwaye uyisebenzise ngobuchule ngenzuzo ephezulu.

13. Ukubaluleka kokumisela iinjongo zemali ukunyusa amanqaku am eKhredithi Bureau

Ukuseka iinjongo zemali kubalulekile ukuba ufuna ukonyusa amanqaku akho eKhredithi Bhrehreshini. ICredit Bureau Amanqaku luhlelo lwamanani olususela kuma-300 ukuya kuma-850, kwaye lubonisa imbali yakho yetyala kunye nokukwazi kwakho ukuhlangabezana nezibophelelo zakho zemali. Amanqaku alungileyo aya kukuvumela ukuba ufikelele kumathuba angcono okuthenga ngetyala kwaye ufumane imali mboleko enenzala ephantsi. Apha ngezantsi, sinika iingcebiso zokumisela iinjongo zezimali eziya kukunceda uphucule inqaku lakho leBhrehreshini yeTyala.

1. Hlalutya imeko yakho yangoku: Ngaphambi kokumisela iinjongo zezimali, kubalulekile ukuba uvavanye imeko yakho yemali yangoku. Hlalutya umvuzo wakho, iindleko kunye namatyala angekahlawulwa. Chonga iindawo apho unokunciphisa iindleko kwaye wandise umvuzo wakho. Oku kuya kukuvumela ukuba ube nombono ocacileyo wemeko yakho kwaye uchaze iinjongo ezinokwenzeka.

2. Beka phambili amatyala akho: Ukuba unamatyala ongekahlawulwa, kubalulekile ukuba uwabeke phambili kwaye ukhangele iindlela zokuwahlawula ngexesha elifanelekileyo. Oku akuyi kukunceda kuphela uphucule iCredit Bureau yakho yamanqaku, kodwa kwakhona ukuphepha inzala kunye neentlawulo ezongezelelweyo. Yenza isicwangciso sokuhlawula kwaye usete iinjongo ezithile zokuhlawula amatyala akho.

14. Ukubekw'esweni rhoqo kunye nokulandelelwa kwamanqaku am kwi-Credit Bureau ukugcina imeko yezemali intle

Ukubekw'esweni rhoqo kunye nokulandelwa kwamanqaku am kwi-Credit Bureau kubalulekile ukugcina imeko yezemali elungileyo. Oku kungenxa yokuba iCredit Bureau Score sisixhobo esisetyenziswa ngamaziko emali ukuvandlakanya i-solvency yethu kunye nokumisela amandla ethu okufikelela kwizibophelelo zentlawulo.

Ukugcina amanqaku amahle kwi-Credit Bureau, kubalulekile ukulandela la manyathelo:

• Jonga rhoqo imeko yaManqaku am kwiKhredithi yeKhredithi: Ukufikelela kwingxelo yam yeBhrehreshini yeTyala ngamaxesha athile kundivumela ukuba ndihlale ndisazi ngembali yam yetyala kunye nalo naluphi na utshintsho olunokuchaphazela amanqaku am.
• Chonga kwaye ulungise iimpazamo ezinokubakho: Ukuphonononga ngononophelo ingxelo yam ye-Credit Bureau kundinceda ndibone naziphi na iimpazamo okanye ukungangqinelani kulwazi oluxeliweyo. Ukuba ndifumana imposiso, kufuneka ndiqhagamshelane neBuró de Crédito kwaye ndibonelele ngoxwebhu oluyimfuneko ukuyilungisa.
• Gcina imbali yentlawulo ngexesha: Ukuthobela iintlawulo zezibophelelo zam zemali ngemihla emiselweyo kubalulekile ukugcina amanqaku amahle kwi-Credit Bureau. Imbali yokuhlawula kwangexesha ibonisa amandla am noxanduva lwam lokulawula ikhredithi yam ngokufanelekileyo.

Ngaphaya koko, kubalulekile ukukhumbula ukuba iCredit Bereau Score ayikhiwanga ngobusuku, ifuna ixesha kunye nomzamo. Ezinye iingcebiso endinokuzilandela ziquka:

• Nciphisa ukuvulwa kwemigca emitsha yetyala: Ukuvula iiakhawunti ezininzi zetyala ngexesha elifutshane kunokuthumela umqondiso ongalunganga kubabolekisi. Kuyacetyiswa ukuba ucele ikhredithi kuphela xa kuyimfuneko kwaye ngendlela enoxanduva.
• Sebenzisa ngokuthembekileyo umda wetyala lam: Ukugcina umlinganiselo ophantsi wokusetyenziswa kumyinge wetyala lam kubonisa ukuba ndiyakwazi ukulawula ityala lam ngokuthembekileyo. Kuyacetyiswa ukuba ugcine imali oyityalayo ingaphantsi kwe-30% yomlinganiselo wetyala.
• Yiba nendibaniselwano yeentlobo zetyala: Ukugcina umxube ofanelekileyo wetyala elijikelezayo (elifana namakhadi okuthenga ngetyala) kunye nekhredithi yezavenge (ezifana neemali-mboleko okanye iimali mboleko) kunokuba neempembelelo ezintle kuNqaku wam weKhredithi Bureau.

Ukuqukumbela, ukuphakamisa amanqaku akho eCredit Bereau kufuna indlela enobuchule neqeqeshekileyo. Qinisekisa ukuba uyaziqonda izinto ezichaphazela amanqaku akho etyala kwaye usebenze ukomeleza nganye yazo. Sebenzisa izixhobo ezenziwa nguBuró de Crédito ukuze ubeke iliso kwimbali yakho kwaye ulungise iimpazamo ezinokwenzeka. Ukongeza, gcina imbali entle yetyala ngokuhlawula izibophelelo zakho ngexesha kunye nokusebenzisa ikhredithi yakho ngokufanelekileyo. Khumbula ukuba ukuphucula amanqaku akho kuya kuthatha ixesha kunye nomgudu, kodwa izibonelelo zamanqaku ekhredithi aqinileyo aya kuluxabisa. Ngomonde kunye nonyamezelo, uya kukwazi ukufezekisa iinjongo zakho zemali kwaye wonwabele izibonelelo ezinikezelwa ngamanqaku aphezulu eCredit Bureau.