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Kodi Chiwerengero Cha Ngongole Chokwanira Chimatanthauza Chiyani?

Written by mkonzi

Nzika iliyonse yaku US yomwe yakhala ikugwiritsa ntchito kubwereketsa imapatsidwa mphotho ndi Fair Isaac Corporation, kapena FICO. Chimodzi mwamagawo pamlingo wake chimadziwika kuti "ngongole yabwino". Imaphatikizapo mtundu wa 580-669. Ngati mutayang'ana kuwonongeka, mudzawona kuti mulingo uwu ndi wocheperako "ngongole yabwino". Inde, chiwonetsero chonse sichabwino kwenikweni. Chifukwa chiyani ogula amachipeza, ndipo mungachite bwanji kuti musinthe milingo yawo?

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  1. Malingaliro anu ndi chisonyezo chofunikira. Amagwiritsidwa ntchito ndi mitundu yosiyanasiyana yamabungwe poyerekeza ofunsira malinga ndi ngongole zawo.
  2. Mutha kukhala otsimikiza kuti ndalama zanu zonse zimawerengedwa ndi obwereketsa, makampani a inshuwaransi, eni nyumba, ndi olemba ntchito anzawo.
  3. Zimakhudza magawo ambiri amoyo, motero malo apamwamba pamlingo wa FICO amatsegula zitseko zambiri. 

Momwe Zambiri Zimagwirira Ntchito

Monga VantageScore, njirayi idakhazikitsidwa pamiyeso kuyambira 300 mpaka 850. Izi zidagawika m'magawo angapo, ndi "osauka kwambiri" komanso "osakondera" kutsogolera "zabwino", "zabwino kwambiri" komanso "zapadera". Mazana asanu ndi atatu ndi okwanira kuti athe kupeza zinthu zabwino ndi ntchito. Kuwunikaku kutengera malipoti omwe aofesi yadziko lonse lapansi adalemba.

Malinga ndi Experian Bureau, pafupifupi 17% ya nzika zaku US zili mgululi. Ogulawa akuyenera kukonza udindo wawo kuti asunge ndalama ndikukhala odalirika pamaso pa mabungwe. Izi zitha kuchitika pakukonza kapena kumanganso malikowo, kutengera kulondola kwa malipoti. 

Kukonzekera kumakhazikitsidwa pamikangano yovomerezeka kuti muchotse zambiri zowononga zabodza. Onani zaposachedwa kukonzanso ngongole.com pa Credit Fixed kuti muwone momwe izi zikugwirira ntchito. Kumanganso kumatanthauza kugwira ntchito ndi magawo osiyanasiyana pakuwunika kwa FICO, monga kukula kwa ngongole yonse. Njira imadalira zolinga - mwachitsanzo, mungafunike zapamwamba ngongole kuti mugule galimoto

Olembera omwe ali mgulu la "chilungamo" amawoneka okayikira. Mulingo umakhudza momwe zinthu zingagwiritsire ntchito ngongole, kaya ndi ngongole yamagalimoto, kubweza ngongole, kapena kirediti kadi. Kutsitsa mulingo wanu muulamuliro - kukweza chiwongola dzanja. Mukalandira chivomerezo, kubwereka kumakhalaokwera mtengo kuposa kubweza wina yemwe adakwera pamwamba. 

Ubwino Wopeza Zambiri

Kukula m'dongosolo ndikofunikira pa tsogolo lanu lazachuma. Kusintha kumakopa anthu mamiliyoni ambiri. Nazi zina mwazabwino.

  • Mitengo ya chiwongola dzanja pamitundu yosiyanasiyana ya ntchito izikhala yotsika, zomwe zikutanthauza kuti kubwereka kumatsika mtengo.
  • Ndi mitengo yotsika imabwera ndalama zochepa. Kukwaniritsa zofunikira mwezi uliwonse kumakhala kosavuta. 
  • Mudzatsegulira zabwino pamakadi, kuphatikiza chiwongola dzanja, zopereka, ndi mphotho.
  • Kubwereka nyumba kapena nyumba kudzakhala kosavuta, chifukwa eni nyumbayo amakuwonani kuti ndinu odalirika.

Chifukwa Chiyani Ambiri Amagwa

Popeza chiwerengerocho nchokhazikika pa lipotilo, ndi chiyani chomwe chimakhudza? Njira ya FICO imalingalira mbali zisanu zamakhongole anu. Iliyonse yaiwo imakhudza gawo lanu. Nayi kuwonongeka:

  • Malipiro am'mbuyomu (35%);
  • ndalama zonse zomwe ngongole (30%);
  • zaka za mbiri (15%);
  • maakaunti atsopano (10%);
  • kusakaniza ngongole (10%).

Dziwani kuti njira zosiyanasiyana zowunikira zimadalira zinthu zosiyanasiyana, ngakhale FICO ndi VantageScore ndizofanana. Nthawi zambiri, ziwerengero zosavomerezeka zimawonedwa chifukwa cha kusachita bwino bajeti. Mwachitsanzo:

  • Mwina mudaphonya zolipira m'mbuyomu. Uwu ndiye mtundu wovulaza kwambiri, chifukwa umatanthauzira chidutswa chachikulu kwambiri. Monga mwalamulo, obwereketsa amafotokoza zakubweza mochedwa patadutsa masiku 30 kuchokera tsiku lomwe mwalandira. 
  • Potsirizira pake, kulephera kulipira zotsatira pamisonkho, zolakwika, kubweza ngongole, ndi ziweruzo zaboma, zomwe zimawononga zonse zaka 7 (Chaputala 7 bankirapuse zatsala zaka 10).
  • Mwinamwake mwakhala mukugwiritsa ntchito malire anu kwambiri. Kukulitsa ma kirediti kadi ndi lingaliro lowopsa, chifukwa kumabweretsa magwiritsidwe ntchito ku 100%. Pakadali pano, akatswiri amalimbikitsa kuti musagwiritse ntchito 10% yamalire anu onse.
  • Ngati mulibe chidziwitso chambiri ndi mbiri yangongole, mbiri yanu ndi yayifupi kwambiri.
  • Obwereka omwe amagwiritsa ntchito mtundu umodzi wokha kapena mitundu iwiri samakhala ndi ngongole zosakanikirana. Izi, zomwe zimayambitsa 10% yazotsatira, zikuwonetsa kuthekera kwanu kuyang'anira mitundu yosiyanasiyana yazokakamiza.
  • Muyenera kuti mwalandira ngongole zambiri.
  • Mwina mwatumiza mapulogalamu ambiri kwakanthawi kochepa. Kuwerengera mitengo pamaloledwa, koma kupempha mitundu ingapo yobwereketsa kumabweretsa mavuto, chifukwa kumakupangitsani kuti muwoneke ngati wina amene akufuna ndalama.

Kodi Ndingawongolere Bwanji Ngongole Zanga Zangongole?

Ngati mphambu yanu yagwa molakwika, konzani zolakwazo nokha kapena gwiritsani akatswiri. Kukonzekera kumakhazikitsidwa ndi malamulo a The Fair Credit Reporting Act, omwe amakakamiza mabungwewo kuti achotse chilichonse chomwe sangathe kutsimikizira. Kuti mutsegule mkangano, muyenera kupeza umboni ndikupanga zikalatazo kuti zitsimikizire zomwe mukufuna. A Chinsinsi imapezeka patsamba la The Consumer Financial Protection Bureau. 

Kapenanso, pezani kampani yokonza mdera lanu. Ophunzirawo adzapeza zosagwirizana m'mabuku anu, kukonzekera umboni ndikuwatsutsa m'malo mwanu. Izi zimapulumutsa nthawi, chifukwa simuyenera kutsatira malamulowo kapena kulemberana makalata. Kalata iliyonse yotsutsana imayambitsa kafukufuku wamkati yemwe amakhala masiku 30. Ofesi ikadzavomereza zosinthazi, mudzalandira lipoti lokonzedwa kwaulere kwaulere.

Malipiro oyenera atakhala olondola, palibe chomwe chingakonzeke. M'malo mwake, yang'anani mawonekedwe anu obwereka kuti muwone zomwe FICO ikukoka kwathunthu. Mwachitsanzo, mungafunikire kuchepetsa kugwiritsa ntchito polipira ndalama zochepa, kuwonjezera malire, kupeza khadi yatsopano, kapena kukhala wogwiritsa ntchito wovomerezeka. Pang'ono ndi pang'ono, udindo wanu udzasintha, kutsegula zikhalidwe zabwino zamitundu yosiyanasiyana yazithandizo.

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mkonzi

Mkonzi wamkulu ndi Linda Hohnholz.

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