Kodi Malipiro Ochepetsa Amakhudza Bwanji Ngongole Zanu?

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Avatar ya Linda Hohnholz
Written by Linda Hohnholz

Machitidwe onse ku United States amachokera pa mbiri yanu ya ngongole, yomwe imafotokozedwa mwatsatanetsatane ndi malipoti ochokera ku Experian, Equifax, ndi TransUnion.

  1. Zophonya kapena zochedwa kubweza ndizochitika zovulaza kwambiri.
  2. Amatanthauzira gawo limodzi mwa magawo atatu a mawerengedwe (35% a FICO ndi 40% a VantageScore).
  3. Zotsatira zake zimadalira momwe mungakonzekere zolakwazo posachedwa. Nazi zofunikira.

Kulipira mochedwa kumakhala kopanda tanthauzo masiku 30. Apa ndipomwe ziyenera kufotokozedwa mwalamulo. Zinthu zotere zimakhalabe pazakale kwa zaka 7, mpaka zitasowa mwachilengedwe. Bureaus sachotsa chidziwitso chotsimikizika, ndipo palibe magwiridwe antchito. Ngati kunyozedwa ndi vuto lanu, muthane ndi nyimbo: palibe chomwe mungachite kuti muchotse. Ngati mavuto anu azachuma abweretsa kubweza banki mu Chaputala 7, zingawononge mbiri ndi ziwonetserozo kwa zaka 10.

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Itha Kuchotsedwa

Malipiro amachedwa samatha mpaka kutha. Zilibe kanthu kuti mwachedwa bwanji - masiku 30 kapena masiku 60. Mulimonsemo, uthengawu upitilizabe kukukhudzani zaka 7. Komabe, ogula atha chotsani zolipira mochedwa ku lipoti la ngongole ngati akunama. Kufotokozera zolakwika ndizofala, ndichifukwa chake ntchito yokonza ikukula. A bungwe lililonse mdziko muno atha kulakwitsa izi.

Kampani ngati Lamulo la Lexington imatha kuzindikira zolakwika, kusonkhanitsa umboni wotsimikizira, ndikukhazikitsa mikangano. Makampani obwezeretsa amachita chilichonse m'malo mwanu, pomwe mukuwunika momwe ntchito ikuyendera kudzera pazenera kapena mapulogalamu. Nthawi yomweyo, muli ndi ufulu woyambitsa mikangano nokha, kwaulere.

Imeneyi ndi njira yovuta komanso yowononga nthawi, yomwe imafunikanso kudziwa zamalamulo a ogula ngongole. Mosadabwitsa, mamiliyoni aku America amasankha kuti akonzere zambiri zawo. Malinga ndi Federal Trade Commission, 20% ya ogula kukumana ndi zambiri zopanda chilungamo.

Zokhudza Zotsatira

Kuchedwa kubweza kamodzi ndikofunikira kwambiri kuposa momwe mungayembekezere. Mwamwayi, chidwi chimatha pakapita nthawi, makamaka ngati pali cholakwika chimodzi m'mabuku anu. Ngati kuchedwa kukuchitika, pewani chiwonetserocho pomalipira zonsezo munthawi yake. Izi ndizofunikira kwambiri.

Dziwani kuti bilu yochedwa siikunenedwa mpaka itadutsa masiku 30. Izi zimapereka zenera kuti zithetse vutoli. Mukamalipira msanga, sizingaphatikizidwe m'ndalama zanu. Pambuyo masiku 30 oyambirira, cholakwikacho chimatsimikizika kuti chidzakhudza zolemba ndi kuchuluka kwake. Zotsatira zake zitha kukhala zazikulu monga kutaya mfundo 180! Nazi zina zovuta zina.

● Kuchedwa Pasanathe Masiku 30

Izi ndizochitika bwino kwambiri. Kuchedwa koteroko sikunenedwe. Ngakhale mufunikirabe kulipira, kuwonongeka kumachepetsedwa.

● Kuchedwa kwa Masiku 30-59

Pambuyo masiku 30 oyambirira, zonyoza zimapezeka pazolemba zanu. Nthawi yomweyo, muyenera kulipira. Chitani izi posachedwa.

● Kuchedwa kwa Masiku 60+

Ngati mwaphonya masiku awiri motsatizana, lipoti lanu liphatikizapo chidziwitso chapadera. Izi zimawonjezera kuwonongeka kwa udindo wanu, choncho zimalowa mozama. Mukamalipira ndalama zambiri - zidziwitso zimawonjezeredwa, ndipo zokulirapo zimakhala zazikulu. Pambuyo pake, ngongoleyo idzaperekedwa kwa osonkhanitsa, pomwe wobwereketsa woyamba adzatseka akauntiyo.

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Muzisamala

Monga mukuwonera, kuphonya zolipira ndi vuto lalikulu kwambiri lomwe mungapange. Omwe amapereka makhadi samakulangani chifukwa chobweza mochedwa (musalipire chindapusa), koma izi sizikutanthauza kusasamala. Khalidwe losasamala limayika mphambu yako pachiwopsezo.

Chizindikiro ichi sichimangokhudza kubwereka mtsogolo. Imawunikidwanso ndi inshuwaransi, olemba anzawo ntchito, ndi eni nyumba. Pambuyo pochedwa masiku 30, woperekayo adzafotokozabe za kuphwanya kwanu. Malangizo otsatirawa angakuthandizeni kupewa kudumpha ndalama.

1. Mungasankhe Autopay

Malipiro azokha ndi njira zosavuta kupewera zolakwazo. Kukhazikitsa kumatenga mphindi 1, ndipo kumatsimikizira mtendere wamaganizidwe. Sinthani zolipira zanu malinga ndi zofunikira, ndipo lolani makinawo kuti agwiritse ntchito zotsalazo. Zomwe mukufunikira ndikuwonetsetsa kuti zotsalazo ndizokwanira kuti zolipirazo zitheke.

2. Zikumbutso za Malipiro

Sikuti aliyense ali womasuka ndi zolipiritsa zokha. M'malo mwake, mutha kupanga zikumbutso za kalendala kapena kukhazikitsa machenjezo. Izi zitha kuphatikizira zolemba ndi maimelo. Makinawa angakudziwitseni pamene mawu anu alandilidwa, masiku angapo akatsala asanafike tsiku loyenera, ndalama zolipirira, ndi zina. Izi zimadalira bungwe lomwe likubwereketsa.

3. Sankhani Tsiku Latsopano

Zimakhala zovuta kusunga ndalama zingapo ngati zafalikira pamwezi. Kuti muthane ndi zolipira bwino, mutha kusintha tsiku loyenera. Mwachitsanzo, ngati ngongole zanu zikuyenera kuti zichitike mukangolipira, zimakhala zosavuta kukwaniritsa zomwe mukuyenera kuchita ndikuwononga zolipirira zonse.

Muyenera Kudziwa

Malipiro omaliza ndi omwe amawononga kwambiri ma lipoti anu kuofesi yanu. Zimakhudza kuchuluka kwa zaka 7, ndipo palibe njira yothetsera zidziwitso zowona. Ogwiritsa ntchito ayenera kukhala osamala ndi zomwe amalipira, chifukwa ngakhale kulakwitsa kumodzi kumachepetsa mphothoyo.

Ikani zikumbutso kapena kubweza kuti mupewe zolakwika ngati izi. Ngati mphambu yanu ndiyopanda chilungamo, chotsani zolakwika pakukonza. Mutha kutsegula mikanganoyo panokha kapena kupempha thandizo ku bungwe lodalirika.

Ponena za wolemba

Avatar ya Linda Hohnholz

Linda Hohnholz

Mkonzi wamkulu kwa eTurboNews zochokera ku eTN HQ.

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