Ukuthi Wayithola Kanjani Ihhovisi Lami Lezikweletu

Umbiko wesikweletu uyithuluzi elibalulekile lanoma ubani ofuna ukuthola umbono ocacile nonembile womlando wabo wesikweletu. Emhlabeni Ngokwezimali, ukuba nemiphumela emihle ye-credit bureau kungenza umehluko phakathi kokuthola imali ebolekiwe noma ukubhekana nobunzima lapho ufaka isicelo sesikweletu. Ngalesi sizathu, kubalulekile ukuqonda ukuthi ungayithola kanjani i-credit bureau futhi wazi amasu angakusiza ukuthi uthuthukise iphrofayili yakho yezikweletu. Kulesi sihloko, sizohlola kabanzi ukuthi ungawuthola kanjani umbiko wakho wesikweletu nokuthi ungawuphatha kanjani ngempumelelo ukuqinisekisa umlando wezikweletu onempilo.

1. Iyini i-Credit Bureau futhi isebenza kanjani?

I-Credit Bureau iyisikhungo esinomthwalo wemfanelo wokuqoqa nokugcina ulwazi lwezikweletu ngabantu nezinkampani. Umsebenzi wayo oyinhloko ukuhlinzeka abasebenzisi, abangabahlinzeki bezinsizakalo zezezimali, ngolwazi oludingekayo ukuze bahlaziye futhi benze izinqumo mayelana namandla okukhokha amakhasimende abo okungenzeka. I-Credit Bureau iqoqa idatha ehlobene namakhredithi anikezwa izikhungo zezezimali, njengamakhadi esikweletu, imali mboleko yezindlu, imalimboleko yomuntu siqu, phakathi kokunye.

Ukusebenza kwe-Credit Bureau kusekelwe ekuqoqweni, ekugcinweni nasekuhlaziyeni ulwazi lwezikweletu. Izikhungo zezezimali zivame ukubika kule datha yehhovisi elihlobene nezimali mboleko ezizinikezile. Le datha ihlanganisa inani lesikweletu, umlando wokukhokha, amabhalansi asele kanye nanoma yiziphi izehlakalo noma izinkokhelo eziphuzile. Ngohlelo lokuthola amaphuzu, I-Credit Bureau yabela isilinganiso sesikweletu kumuntu ngamunye noma inkampani, okubonisa izinga layo lobungozi njengomkweleti.

Lapho becela ukubolekwa imali, abahlinzeki bezinsizakalo zezezimali bathintana nolwazi oluvela kwa-Credit Bureau ukuze bahlole amandla okukhokha omfakisicelo. Isilinganiso sesikweletu nomlando wokukhokha yizona zinto ezinqumayo ekugunyazweni noma ekunqatshweni kwesicelo sesikweletu. Ziphinde zibe nomthelela kwisilinganiso senzalo kanye nemibandela yesikweletu esinikezwayo. Kubalulekile ukukhumbula ukuthi kokubili abantu nezinkampani bangafinyelela umlando wabo wezikweletu futhi benze izicelo zokulungisa uma zithola noma yikuphi ukungqubuzana noma iphutha olwazini olubikwe izikhungo zezezimali.

2. Izinyathelo zokuthola umbiko wakho wesikweletu eHhovisini

Ukuthola umbiko wakho wezikweletu kwa-Bureau kuyinqubo elula ezokuvumela ukuthi wazi isimo somlando wakho wesikweletu. Landela lezi zinyathelo ukuze uyithole:

Isinyathelo 1: Faka iwebhusayithi esemthethweni ye-Credit Bureau. Lapho uzothola lonke ulwazi oludingekayo kanye nezinsizakalo ezitholakalayo.

Isinyathelo 2: Ngaphakathi kwekhasi, bheka isigaba esihloselwe ukucela umbiko wesikweletu bese uchofoza isixhumanisi esihambisanayo.

Isinyathelo 3: Gcwalisa ifomu lesicelo unikeze ulwazi oludingekayo. Qiniseka ukuthi uyangena idatha yakho ulwazi lomuntu siqu ngendlela efanele, njengoba noma yiliphi iphutha lingathinta ubuqiniso bombiko.

3. Kubaluleke ngani ukuhlola i-Credit Bureau?

Ukubuyekeza I-Credit Bureau yakho kuyisenzo esibaluleke kakhulu ukugcina ukulawula okwanele ezezimali zakho siqu. Ngoba? Ngoba I-Credit Bureau yakho iyirekhodi elinemininingwane yomlando wakho wesikweletu, elihlanganisa ulwazi mayelana nemalimboleko yakho, amakhadi esikweletu, ukukhokha sekwephuzile kanye nezinye izici ezifanele. Lolu lwazi lusetshenziswa izikhungo zezezimali lapho zihlola isicelo sakho sesikweletu. Ngakho-ke, ukugcina i-Credit Bureau enempilo kubalulekile ukuze ufinyelele izimo ezingcono zezimali.

Ukubuyekeza I-Credit Bureau yakho njalo kuzokuvumela ukuthi wazi ulwazi oluphathwa yizikhungo zezikweletu ngomlando wakho wezezimali. Uzokwazi ukubona amaphutha okungenzeka noma ukungezwani embikweni wakho, futhi uthathe izinyathelo ezidingekayo ukuze uwalungise. Ukwengeza, ngokubuyekeza i-Credit Bureau yakho, uzokwazi ukuthola amathuba okuthuthukisa umlando wakho, njengokukhokha izikweletu osasele noma ukusungula umlando wokukhokha ogcina isikhathi.

Kunezindlela ezimbalwa zokuhlola Ihhovisi lakho Lezikweletu. Enye inketho ukucela umbiko wamahhala ngokuqondile ezinkampanini zolwazi lwezikweletu ezigunyazwe yiKhomishana Kazwelonke Yamabhange Nezibambiso. Enye indlela ukusebenzisa izinsiza eziku-inthanethi ezikuvumela ukuthi ubuyekeze umbiko wakho ngokushesha nakalula. Noma ngabe iyiphi indlela oyikhethayo, kubalulekile ukuthi ubuyekeze uMbiko wakho Wezikweletu ngezikhathi ezithile ukuze wazi ukuthi izikhungo zezezimali zikubona kanjani futhi uqinisekise ukuthi ugcina umlando wesikweletu onempilo.

4. Ungawucela kanjani umbiko wakho wesikweletu ku-inthanethi

Ukuze ucele umbiko wakho wesikweletu ku-inthanethi, landela lezi zinyathelo ezilula:

1. Finyelela ku- iwebhusayithi isikhulu se-credit agency. Ungasebenzisa noma iyiphi i-ejensi egunyaziwe, njenge-Equifax, i-Experian noma i-TransUnion. Lezi zikhungo zizokunikeza umbiko onemininingwane yomlando wakho wesikweletu.

2. Bheka isigaba okuhloswe ngaso ukucela umbiko wezikweletu. Ngokuvamile, uzothola isixhumanisi esinelebula ngokucacile noma ithebhu ethi "Cela umbiko wesikweletu" noma "Cela umbiko wami wesikweletu." Chofoza kusixhumanisi esishiwo.

3. Gcwalisa ifomu lesicelo eliku-inthanethi. Lapha kufanele unikeze ulwazi lomuntu siqu njengegama lakho eliphelele, ikheli, inombolo Ukuphepha komphakathi, usuku lokuzalwa, phakathi kweminye idatha efanele. Qiniseka ukuthi ufaka imininingwane ngendlela efanele futhi uyibuyekeze ngaphambi kokuyithumela.

5. Yiluphi ulwazi ozoluthola embikweni wakho wezikweletu?

Embikweni wakho wezikweletu uzothola ulwazi oluningiliziwe mayelana nomlando wakho wezezimali nowesikweletu. Lolu lwazi luqoqwa ama-ejensi wezikweletu futhi lusetshenziswe ababolekisi nezinye izikhungo ukuhlola ikhono lakho lokukhokha kanye ne-solvency yezezimali.

Olunye ulwazi ozoluthola embikweni wakho wesikweletu luhlanganisa:

• Ulwazi lomuntu siqu: njengegama lakho, ikheli, inombolo yocingo Ukuphepha komphakathi, usuku lokuzalwa, phakathi kokunye.
• Umlando wesikweletu: ihlanganisa imininingwane yama-akhawunti akho esikweletu, imali mboleko, amakhadi esikweletu, imigqa yezikweletu kanye nezinkokhelo sekwephuzile.
• Imibuzo: ibonisa izikhungo ezicele ulwazi mayelana nekhredithi yakho eminyakeni emibili edlule.
• Ulwazi lomphakathi: Kungase kuhlanganise ukufakwa kwezicelo zokuqothuka, ukuvalwa, noma ezinye izahlulelo ezingokomthetho ezihlobene nesimo sakho sezezimali.

Ukufinyelela umbiko wakho wesikweletu kukuvumela ukuthi ube nombono ocacile womlando wakho wesikweletu futhi kukusiza wenze izinqumo ezinolwazi lwezezimali. Ungacela ikhophi yamahhala yombiko wakho wezikweletu kanye ngonyaka ngama-credit bureaus. Ngokufanayo, kubalulekile ukuthi ngezikhathi ezithile ubuyekeze umbiko wakho wesikweletu ukuze uqinisekise ukuthi ulwazi oluqukethe lunembile futhi luhambisana nesikhathi. Uma uthola amaphutha noma ukungezwani, ungaxhumana ne-ejensi yezikweletu efanele ukuze ucele ukulungiswa.

6. Ungawuhumusha kanjani futhi uwuqonde kanjani umlando wakho wezikweletu

Ukutolika nokuqonda umlando wakho wezikweletu kungaba semqoka ekugcineni impilo enhle yezezimali. Nazi izinyathelo ezibalulekile ukuze uqonde ulwazi oluqukethwe emlandweni wakho wesikweletu:

1. Thola ikhophi yomlando wakho wesikweletu: Ukuze uqale, kufanele uthole ikhophi ebuyekeziwe yomlando wakho wesikweletu. Ungayicela kuma-ejensi wezikweletu agunyaziwe ezweni lakini. Uma usuwutholile umbiko wakho, buyekeza ngokucophelela isigaba ngasinye futhi ubhale izinto ezibalulekile.

2. Hlaziya iphrofayela yakho yekhredithi: Naka ngokukhethekile izici ezilandelayo zomlando wakho: isikolo sakho sesikweletu, umlando wakho wokukhokha, inani lezikweletu zakho, ubude besikhathi sama-akhawunti akho, izinhlobonhlobo zezinhlobo zakho zezikweletu kanye nanoma yiluphi olunye ulwazi olungeluhle. noma amaphutha okungenzeka akhona. Lezi zici zingathonya amandla akho okuthola isikweletu esikhathini esizayo.

3. Sebenzisa amathuluzi engeziwe nezisetshenziswa: Ngaphezu kokubuyekeza umbiko wakho, ungasebenzisa amathuluzi engeziwe aku-inthanethi nezisetshenziswa ukukusiza utolike umlando wakho wesikweletu. Ezinye izinkundla zinikeza izifanisi ezibonisa ukuthi izinguquko ezithile endleleni oziphatha ngayo ngesikweletu zingasithinta kanjani isikolo sakho. Ungaphinda ubheke okokufundisa okuku-inthanethi nezeluleko ezivela kochwepheshe bezezimali ukuze uthuthukise ukuqonda kwakho futhi wenze izinqumo ezinolwazi mayelana nekhredithi yakho.

7. Ungayithola kanjani i-Credit Bureau?

Ukuthola i- I-Positive Credit Bureau, kubalulekile ukulandela uchungechunge lwezinyathelo futhi usebenzise imikhuba emihle yezezimali. Ngezansi, ngichaza amanye amathiphu azokusiza uthuthukise umlando wakho wesikweletu:

1. Khokha izikweletu zakho ngesikhathi: Ukuthobela izinkokhelo kubalulekile ukuze ulondoloze Ihhovisi Lezikweletu elihle. Khokha izikweletu zakho kanye nezikweletu ngesikhathi, ugweme ukubambezeleka noma ukungakhokhi okungase kuthinte umlando wakho.

2. Sebenzisa isikweletu sakho ngendlela efanele: Sebenzisa kuphela ikhredithi oyidingayo futhi uqiniseke ukuthi aweqi umthamo wakho wokukhokha. Gcina ibhalansi yekhadi lesikweletu iphansi futhi ugweme ukusebenzisa kabi imikhawulo egunyaziwe.

3. Hlukanisa umlando wakho wesikweletu: Kutuswa ukuba nezinhlobo ezahlukene zezikweletu, njengamakhadi esikweletu, imoto noma imali ebolekiwe. Lokhu kukhombisa ukuthi uyakwazi ukuphatha izinhlobo ezahlukene zezikweletu ngokuzibophezela.

8. Ungawalungisa kanjani amaphutha embikweni wakho wesikweletu ovela ku-Bureau

Esinye sezimo ezivame kakhulu ezingathinta umlando wakho wesikweletu ukuba khona kwamaphutha embikweni wakho wesikweletu ovela kwaBureau. Ngenhlanhla, ukulungisa lawa maphutha kungenzeka futhi kungenza umehluko omkhulu kumphumela wakho wesikweletu. Nazi izinyathelo ezibalulekile zokuthi xazulula le nkinga:

1. Hlola umbiko wakho wesikweletu ngokucophelela: Into yokuqala okufanele ukwenze ukuthola ikhophi yombiko wakho wezikweletu eBukhweni futhi uwubuyekeze ngokucophelela. Bheka noma yiluphi uhlobo lwamaphutha, njengama-akhawunti angakaze avulwe nguwe, izinkokhelo ezibikwe ngokungalungile noma imininingwane yomuntu siqu enganembile.

2. Amaphutha edokhumenti: Uma usuwahlonze amaphutha embikweni wakho, kubalulekile ukuthi uwabhale ngokucophelela. Bhala phansi yonke imininingwane efanele, njengezinsuku, amagama ezinkampani noma izikhungo ezithintekayo, nezizathu zokuthi kungani ukholelwa ukuthi ulwazi alulungile. Le mibhalo izokusiza ngokuhamba kwesikhathi lapho uthintana Nehhovisi noma abakweletwayo ukuze ulungise inkinga.

3. Thinta Ihhovisi Lezikweletu kanye nabakweletwayo: Isinyathelo esilandelayo ukuxhumana ne-Credit Bureau kanye nababolekisi abahililekile emaphutheni. Ungakwenza lokhu ngocingo, nge-imeyili noma ngefomu lengxabano eliku-inthanethi. Chaza kahle iphutha futhi unikeze amadokhumenti asekela udaba lwakho. Kubalulekile ukubekezela nokuphikelela phakathi nale nqubo, njengoba kungase kuthathe isikhathi ukuxazulula isimo. Futhi, qiniseka ukuthi ulandela imiyalelo enikezwe yi-Bureau kanye nabakweletwayo ukuze ugcwalise noma yimaphi amafomu noma uhambise noma yimiphi imibhalo edingekayo.

Khumbula ukuthi ukulungisa amaphutha embikweni wakho wezikweletu we-Bureau kungase kuthathe isikhathi nomzamo, kodwa kubalulekile ukuqinisekisa ukuthi unamaphuzu esikweletu anembile futhi afanelekile. Landela lezi zinyathelo futhi uhlale uxhumene ne-Bureau kanye nabakweletwayo ukuze uxazulule noma yikuphi ukunemba emlandweni wakho wesikweletu ngokushesha ngangokunokwenzeka. Ungangabazi ukulandelela njalo ukuze uqinisekise ukuthi amaphutha alungisiwe, futhi uqhubeke nokuba nesibopho ekuphatheni izimali zakho ukuze ugcine isikweletu esihle.

9. Amasu okuthuthukisa amaphuzu akho esikweletu

Ukuthuthukisa amaphuzu akho esikweletu kungaba ukhiye wokufinyelela emathubeni angcono wezezimali esikhathini esizayo. Nawa amasu ongawalandela ukuze ukhulise isikolo sakho:

1. Gcina izinkokhelo zakho zisesikhathini samanje: Qiniseka ukuthi ukhokha izikweletu zakho ngesikhathi, lokhu kuhlanganisa amakhadi akho esikweletu, imalimboleko kanye nanoma yiluphi olunye uhlobo lwesikweletu. Isikhathi sokukhokha kungenye yezinto ezibaluleke kakhulu ezithonya isikolo sakho sesikweletu.
2. Yehlisa ibhalansi yezikweletu zakho: Zama ukunciphisa inani lemali oyikweletayo emakhadini akho esikweletu nasezikweletini. Gcina amabhalansi akho ephansi ngokusemandleni akho uma kuqhathaniswa nemikhawulo yakho yezikweletu. Ukukhokha ngaphezu kwenani elincane elifunekayo inyanga ngayinye kungasiza ukwehlisa amabhalansi akho ngokushesha okukhulu.
3. Ungawavali ama-akhawunti esikweletu: Nakuba kulinga ukuvala i-akhawunti uma ungasayisebenzisi, Ukugcina ama-akhawunti esikweletu evulekile isikhathi eside kusiza ukusungula umlando omuhle wesikweletu.

Khumbula ukuthi ukuthuthukisa isikolo sakho sesikweletu kungathatha isikhathi nomzamo. Gcina imikhuba yezezimali enempilo futhi uqhubeke nalawa maqhinga isikhathi eside ukuze ubone imiphumela emihle. Ukwengeza, sincoma ukuthi ubuyekeze umbiko wakho wesikweletu njalo ukuze wenze isiqiniseko sokuthi unembile futhi awunawo amaphutha angathinta isikolo sakho.

10. Izinzuzo zokuba ne-Credit Bureau enhle

Enye yezinzuzo ezibaluleke kakhulu zokuba ne-Credit Bureau enhle ithuba lokufinyelela izimo ezingcono zezikweletu. Uma unezikweletu ezinhle, amabhange nezinye izikhungo zezimali cishe zizokunikeza inzalo ephansi kanye nemikhawulo ephakeme yezikweletu. Lokhu kungakongela imali eningi ngokuhamba kwesikhathi futhi kukuvumele isitolo okubaluleke kalula.

Enye inzuzo yokuba ne-Credit Bureau enhle ukuthi ikunikeza ukuphepha okukhulu kwezezimali. Umlando omuhle wezikweletu uwuphawu lomthwalo wemfanelo kanye ne-solvency yezezimali, okuvumela ukuthi ukwazi ukufinyelela emathubeni angcono kanye nezinketho emkhakheni wezezimali. Ngokwesibonelo, ukuba nesikhungo esihle sezikweletu kungenza kube lula ukuthola imali ebolekiwe ukuze uthenge indlu noma imoto, okungaba isinyathelo esibalulekile ekuphileni. womuntu.

Ngaphezu kwalokho, ukuba ne-Credit Bureau enhle kungaba nomthelela omuhle empilweni yakho yansuku zonke. Umlando oqinile wezikweletu ungakusiza ukuthi uthole umsebenzi, njengoba izinkampani eziningi zibuyekeza i-Credit Bureau yalabo abakhethiwe njengengxenye yenqubo yabo yokukhetha. Kungase futhi kube nezinzuzo lapho ucela inkontileka yesevisi, njengokuphakelwa kukagesi, ucingo noma i-inthanethi, njengoba ezinye izinkampani zidinga isilinganiso esihle sesikweletu ukuze zikunikeze izimo ezingcono noma zixolele idiphozithi yokuqala.

11. Kunini futhi kanjani ukucela ukucaciselwa kwabe-Credit Bureau?

Uma kwenzeka uthola ukuthi umlando wakho wesikweletu unamaphutha noma ukushayisana, kubalulekile ukuthi ucele ukucaciselwa kwabe-Credit Bureau ukuze balungise noma yiluphi ulwazi olungalungile. Isicelo sokucaciselwa Kungenziwa nganoma yisiphi isikhathi lapho uqaphela ukungahambisani noma unemibuzo mayelana nombiko wakho wesikweletu. Ngezansi sikuhlinzeka ngezinyathelo ezidingekayo ukuze wenze lesi sicelo:

1. Qoqa amadokhumenti adingekayo: Ngaphambi kokuqala inqubo yokucacisa, qiniseka ukuthi unamadokhumenti asekela isimangalo sakho, njengezitatimende ze-akhawunti, izinkontileka, amarisidi okukhokha kanye nanoma ibuphi obunye ubufakazi obubonisa ukunemba kombiko. Lokhu kuzokusiza ukuthi usekele isicelo sakho.

2. Finyelela kusizindalwazi se-Credit Bureau: Iya kuwebhusayithi esemthethweni ye-Credit Bureau futhi uthole isigaba sezicelo zokucaciselwa. Qiniseka ukuthi unemininingwane yakho siqu kanye nenombolo yombiko wesikweletu esandleni, njengoba ungase uyidinga phakathi nenqubo yokufaka isicelo.

3. Gcwalisa ifomu lesicelo: Gcwalisa ifomu lesicelo sokucaciselwa unikeze lonke ulwazi oludingekayo. Kubalulekile ukuthi uchaze ngokuningiliziwe isizathu sesimangalo sakho futhi unamathisele imibhalo efanele. Uma usuqedile, thumela isicelo futhi ulandelele isiqinisekiso sokuthumela ozosithola.

12. Ungazigwema kanjani izimo ezithinta kabi i-Credit Bureau

1. Gcina umbhalo walokho amakhredithi akho kanye nezinkokhelo zakho: Kubalulekile ukugcina umkhondo wawo wonke ama-akhawunti akho esikweletu, imalimboleko kanye nezinkokhelo zanyanga zonke. Lokhu kuzokuvumela ukuthi ube nesithombe esicacile sezikweletu zakho futhi uqinisekise ukuthi zonke izinkokhelo zakho uzikhokha ngesikhathi.
2. Khokha izikweletu zakho ngesikhathi: Ukukhokha izikweletu zakho ngesikhathi kubalulekile ukuze ugcine umlando omuhle wezikweletu. Uma usalela emuva ezinkokhelweni, kuzokhombisa kabi i-Credit Bureau yakho futhi kuthinte nesikolo sakho. Sebenzisa izikhumbuzi, izaziso, noma izinkokhelo ezizenzakalelayo ukuze uqiniseke ukuthi awukhohlwa noma yiziphi izinsuku zokukhokha.
3. Gwema ukuba nemigqa eminingi yezikweletu: Ukuba namakhadi esikweletu amaningi noma imalimboleko yomuntu siqu kungaba isilingo, kodwa futhi kungaba yingozi kwi-Credit Bureau. Uma unemigqa eminingi yezikweletu evuliwe, maningi amathuba okuthi uqongelele izikweletu futhi andise ingcuphe yakho yekhredithi. Zihlole ngokucophelela izidingo zakho zezezimali futhi ugcine kuphela imigqa yezikweletu oyidinga ngempela.

Khumbula ukuthi i-Credit Bureau idlala indima ebalulekile empilweni yakho yezezimali. Ukugcina umlando omuhle wesikweletu kuzokuvumela ukuthi uthole izimo ezingcono mayelana nemalimboleko yesikhathi esizayo, izikweletu zezindlu noma amakhadi esikweletu. Qhubeka lawa macebiso futhi ugweme izimo ezingase zibe nomthelela omubi kwi-Credit Bureau. Uma unemibuzo noma udinga iseluleko esiqondile ngokusekelwe esimweni sakho sezezimali, ungangabazi ukuthintana nochwepheshe ngale ndaba, ongakunikeza ulwazi nezisombululo eziqondene nawe.

13. Ungalisebenzisa kanjani ithuba lombiko wakho wesikweletu ukuze uthole amanani enzalo angcono?

Esinye sezici ezibaluleke kakhulu lapho ufuna amanani enzalo angcono ukuqonda umbiko wakho wesikweletu nokuthi ungawusebenzisa kanjani ukuze uzuze. Nawa amanye amasu abalulekile okusebenzisa umbiko wakho wesikweletu futhi uthole izimo ezingcono:

1. Hlola njalo umbiko wakho wesikweletu: Kubalulekile ukuthi wazi ulwazi oluqukethwe embikweni wakho wesikweletu. Qinisekisa ukuthi yonke idatha ilungile futhi isesikhathini. Uma uthola noma yimaphi amaphutha noma ukungqubuzana, kufanele uthinte i-ejensi yezikweletu ngokushesha ukuze ukulungise. Umbiko onembile nobuyekeziwe uyisihluthulelo sokuthola izilinganiso zenzalo ezingcono.

2. Thuthukisa umlando wakho wokukhokha: Okunye okuhlukile okubalulekile ababolekisi abakucabangayo lapho benikeza izilinganiso zenzalo umlando wakho wokukhokha. Uma unezinkokhelo sekwephuzile, kubalulekile ukuthi uzibambe ngokushesha. Sungula uhlelo lokukhokha ukuze uhlangabezane nezibopho zakho zezezimali futhi ugweme ukubambezeleka okwengeziwe. Umlando wokukhokha ohlanzekile ungakusiza ukuthi uxoxisane ngamanani avumayo.

3. Yehlisa isikweletu sakho: Esinye isici esibalulekile ekuhloleni izilinganiso zenzalo yinani lesikweletu onaso. Uma unemali esele esele ekhadini lakho lesikweletu noma kwezinye izikweletu, cabanga ukwenza uhlelo lokunciphisa kancane kancane isikweletu sakho. Lokhu kungahlanganisa amasu afana nokukhokha ngaphezu kwenani elincane elidingekayo inyanga ngayinye noma ukuhlanganisa izikweletu zakho zibe imali mboleko eyodwa enenani lenzalo eliphansi. Ukugcina amazinga aphansi esikweletu kungandisa amathuba akho okuthola amanani enzalo angcono.

14. Amathiphu okugcina Ihhovisi Lezikweletu linempilo

I-credit bureau enempilo ibalulekile ukuze ube nesithunzi esihle sezezimali kanye nokufinyelela emalimboleko kanye nekhredithi esikhathini esizayo. Lapha sikunikeza amathiphu ukuze uyigcine isesimweni esihle kakhulu:

1. Khokha izikweletu zakho ngesikhathi: Ukukhokha ngamakhadi akho esikweletu, imalimboleko nanoma yiluphi olunye uhlobo lwesikweletu kubalulekile ekugcineni umbiko wesikweletu onempilo. Ngaso sonke isikhathi hlola izinsuku ezinqunyiwe futhi uqiniseke ukuthi ukhokha ngesikhathi.
2. Gcina izinga eliphansi lokusetshenziswa kwekhredithi: Ukugcina ibhalansi yakho yezikweletu iphansi ngokuphathelene nomkhawulo okhona kubalulekile ku-credit bureau enhle. Lokhu kusho ukuthi kufanele ugweme ukusebenzisa wonke umkhawulo wakho wesikweletu bese uzama ukuwugcina ungaphansi kwama-30%. Gcina ibhalansi phakathi kweholo lakho nezindleko futhi usebenzise isikweletu ngokuzibophezela.
3. Hlola i-credit bureau yakho njalo: Kuyancomeka ukuthi uthole umbiko wezikweletu okungenani kanye ngonyaka ukuze uqinisekise imininingwane equkethwe kuyo. Buyekeza imininingwane ngokucophelela futhi uqiniseke ukuthi konke kulungile. Uma uthola noma yimaphi amaphutha, thintana ne-credit bureau ukuze ucele ukulungiswa.

Ukugcina i-credit bureau kudinga ukuzibophezela kwakho nokuzinikela. Landela lawa macebiso ukuze uqinisekise ukuthi ugcina isithunzi esihle sesikweletu futhi uvule iminyango yamathuba ezezimali esikhathini esizayo.

Sengiphetha, ukuthola i-Credit Bureau yakho kungaba inqubo eqinile kodwa ebalulekile yokugcina ukulawula umlando wakho wezezimali. Ngezinyathelo ezishiwo ngenhla, uzokwazi ukufinyelela ngokunembile futhi uhlole iphrofayela yakho yesikweletu futhi uqinisekise ukuthi ibonisa isimo sakho samanje.

Kubalulekile ukukhumbula ukuthi ukulondoloza impilo enhle yekhredithi kudinga umzamo oqhubekayo, ngakho kuyatuseka ukuthi ubuyekeze umbiko wakho ngezikhathi ezithile futhi ulungise noma yikuphi okudidayo ongakuthola. Ukwengeza, ukugcina ukusetshenziswa okufanele kwamakhredithi akho kanye nokukhokha izikweletu zakho ngesikhathi kuyizinqubo ezibalulekile zokugcina Ihhovisi Lezikweletu linempilo.

Khumbula ukuthi i-Credit Bureau iyithuluzi eliyigugu emhlabeni wezezimali, kokubili kubabolekisi nabathengi. Ukugcina umlando omuhle wezikweletu kuzovula iminyango eya emathubeni angcono futhi kukusize ufinyelele izinjongo zakho zezezimali zesikhathi eside. Ngakho-ke ungangabazi ukulawula i-Credit Bureau yakho futhi uqiniseke ukuthi iwubonisa kahle umlando wakho wesikweletu.