Kodi Fair Credit Score Imatanthauza Chiyani?

1. Kugoletsa kwanu ndi chizindikiro chofunikira. Amagwiritsidwa ntchito ndi mitundu yosiyanasiyana ya mabungwe kuyerekeza olembetsa kutengera kuyenerera kwa ngongole.
2. Mutha kutsimikiza kuti kuchuluka kwanu kumaganiziridwa ndi obwereketsa, makampani a inshuwaransi, eni nyumba, ndi olemba ntchito.
3. Zimakhudza magawo ambiri a moyo, kotero kuti malo apamwamba pa FICO amatsegula zitseko zambiri. 

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Momwe Magoli Amagwirira Ntchito

Monga VantageScore, ndondomekoyi imachokera ku 300 mpaka 850. Izi zimagawidwa m'magawo angapo, ndi "zosauka kwambiri" ndi "zabwino" patsogolo "zabwino", "zabwino kwambiri" ndi "zapadera". Mazana asanu ndi atatu ndi okwanira kuti apeze mikhalidwe yabwino ndi mautumiki. Kuwunikaku kumatengera malipoti opangidwa ndi mabungwe adziko lonse.

Malinga ndi Experian Bureau, pafupifupi 17% ya nzika zaku US zili mgululi. Ogula awa akuyenera kuwongolera momwe angasungire ndalama ndikukhala odalirika pamaso pa mabungwe. Izi zikhoza kutheka mwa kukonza kapena kumanganso zigoli, malingana ndi kulondola kwa malipoti. 

Kukonza kumatengera mikangano yokhazikika kuti muchotse zidziwitso zabodza zowononga. Onani zatsopano Ndemanga ya credit repair.com pa Credit Fixed kuti muwone momwe izi zimagwirira ntchito. Kumanganso kumatanthauza kugwira ntchito ndi zigawo zosiyanasiyana za kuwunika kwa FICO, monga kukula kwa ngongole yonse. Njira zimadalira zolinga - mwachitsanzo, mungafunike apamwamba ngongole kugula galimoto. 

Olembera kuchokera m'gulu la "chilungamo" amawonedwa mokayikira. Mulingowo umakhudza momwe zinthu zilili komanso kupezeka kwa ntchito zangongole, kaya ndi ngongole yagalimoto, ngongole yanyumba, kapena kirediti kadi. Mukatsitsa mulingo wanu muulamuliro - m'pamenenso chiwongola dzanja chimakwera. Ngati mutalandira chilolezo, kubwereka kumakhala kokwera mtengo kuposa kwa wina wochokera pamwamba. 

Ubwino wa Zigoli Zabwino

Kukwera mu dongosolo ndikofunikira pazachuma chanu chamtsogolo. Kupititsa patsogolo ndi kokongola kwa anthu mamiliyoni ambiri. Nazi zina mwa ubwino wake.

• Chiwongola dzanja pamitundu yosiyanasiyana ya mautumiki chidzakhala chotsika, zomwe zikutanthauza kuti kubwereka kudzatsika mtengo.
• Ndi mitengo yotsika imabwera malipiro ochepa. Kukwaniritsa maudindo mwezi uliwonse kudzakhala kosavuta. 
• Mutsegula zinthu zabwinoko pamakadi, kuphatikiza chiwongola dzanja, malonda, ndi mphotho.
• Kubwereka nyumba kapena nyumba kudzakhala kosavuta, popeza eni nyumba adzakuwonani kuti ndinu munthu wodalirika kwambiri.

Chifukwa chiyani Scores Akugwa

Pamene chiwonkhetsocho chimachokera ku lipotilo, kodi kwenikweni chimakhudza chiyani? Njira ya FICO imaganizira mbali zisanu za khalidwe lanu lobwereka. Aliyense wa iwo ali ndi chikoka chapadera pa udindo wanu. Nayi kugawanika kwake:

• malipiro oyambirira (35%);
• ngongole yonse (30%);
• zaka zolembera (15%);
• maakaunti atsopano (10%);
• kuphatikiza ngongole (10%).

Dziwani kuti njira zowunikira zosiyanasiyana zimadalira zigawo zosiyanasiyana, ngakhale FICO ndi VantageScore ndizofanana. Nthawi zambiri, kuchuluka kosakwanira kumawonedwa chifukwa cha kusakhazikika kwa bajeti. Mwachitsanzo:

• Mwinamwake mudaphonyapo malipiro m'mbuyomu. Uwu ndiye mtundu wowononga kwambiri wa zidziwitso, chifukwa umatanthawuza gawo lalikulu la zigoli. Monga lamulo, obwereketsa amapereka malipoti mochedwa patatha masiku 30 kuchokera tsiku loyenera. 
• M’kupita kwa nthaŵi, kulephera kupereka malipiro kumabweretsa kusonkhanitsidwa, kulephera kubweza ngongole, kulephera kubweza ngongole, ndi zigamulo zachigamulo, zimene zimawononga chiwonkhetsocho kwa zaka 7 (Chaputala 7 kubweza ngongole kumatenga zaka 10).
• Mwinamwake mwagwiritsa ntchito kwambiri malire anu. Kukulitsa makhadi a ngongole ndi lingaliro loyipa, chifukwa limabweretsa chiŵerengero cha magwiritsidwe ntchito ku 100%. Pakadali pano, akatswiri amalangiza kugwiritsa ntchito zosaposa 10% ya malire anu onse.
• Ngati mulibe chidziwitso chochepa ndi ngongole, mbiri yanu ndi yaifupi kwambiri.
• Obwereketsa omwe amagwiritsa ntchito mitundu iwiri yokha ya mautumiki amakhala ndi kusakaniza kolakwika kwa ngongole. Izi, zomwe zimayang'anira 10% yazotsatira, zikuwonetsa kuthekera kwanu kosamalira mitundu yosiyanasiyana ya maudindo.
• Mwina mwakhala ndi ngongole zambiri.
• Mutha kutumiza zofunsira zambiri pakanthawi kochepa. Kugula kwamtengo kumaloledwa, koma kupempha mitundu yosiyanasiyana ya ngongole kumakhala ndi zotsatira zoipa, chifukwa kumakupangitsani kuwoneka ngati munthu amene akufunafuna ndalama.

Kodi Ndingawongolere Bwanji Ngongole Zanga Zangongole?

Ngati mphambu yanu yagwa mopanda chilungamo, konzani zolakwikazo nokha kapena ganyu akatswiri. Kukonza kumatengera zomwe The Fair Credit Reporting Act, zomwe zimakakamiza mabungwewa kuchotsa chilichonse chomwe sangatsimikizire. Kuti mutsegule mkangano, muyenera kupeza umboni ndikupanga makope a zikalata kuti mutsimikizire zomwe mukufuna. A Chinsinsi ikupezeka patsamba la The Consumer Financial Protection Bureau. 

Kapenanso, pezani kampani yokonza m'boma lanu. Akatswiri adzapeza zosagwirizana m'mabuku anu, kukonzekera umboni ndikutsutsa m'malo mwanu. Izi zimapulumutsa nthawi, chifukwa simuyenera kutsata malamulo kapena kuthana ndi makalata ovomerezeka. Kalata iliyonse yotsutsana imayambitsa kufufuza kwamkati komwe kumatenga masiku 30. Ngati ofesi ivomereza zosinthazo, mudzalandira kopi ya lipoti losinthidwa kwaulere.

Pamene chiwerengero chachilungamo chiri cholondola, palibe chokonzekera. M'malo mwake, yang'anani njira zanu zobwereka kuti muwone zomwe FICO imakokera zonse pansi. Mwachitsanzo, mungafunike kuchepetsa kugwiritsidwa ntchito mwa kulipira ndalama zina, kuwonjezera malire, kupeza khadi latsopano, kapena kugwiritsa ntchito wovomerezeka. Pang'ono ndi pang'ono, chikhalidwe chanu chidzasintha, ndikutsegula mikhalidwe yabwino yamitundu yosiyanasiyana ya mautumiki.