Kusho Ukuthini Isikweletu Esifanelekile?

1. Isikolo sakho siyinkomba ebalulekile. Isetshenziswa yizinhlobo ezahlukahlukene zezikhungo ukuqhathanisa abafakizicelo ngokuya ngesikweletu.
2. Ungaqiniseka ukuthi inani lakho licatshangelwa ababolekisi, izinkampani zomshuwalense, abanikazi bezindlu nabaqashi.
3. Ithinta imikhakha eminingi yempilo, ngakho isikhundla esiphakeme esikalini se-FICO sivula iminyango eminingi. 

---

Zisebenza Kanjani Izikolo

NjengeVantageScore, indlela yokusebenza isuselwa esikalini esisuka ku-300 kuye ku-850. Lokhu kwehlukaniswe kwaba izingxenye eziningana, kuthi "kubi kakhulu" futhi "kube nobulungiswa" kwandulele "okuhle", "kuhle kakhulu" futhi "kuvelele". Amakhulu ayisishiyagalombili anele ukufinyelela ezimweni ezinhle kakhulu nezinsizakalo. Ukuhlola kusekelwe emibikweni ehlanganiswe amahhovisi kazwelonke.

Ngokusho kwe-Experian bureau, cishe izakhamizi zase-US ezingama-17% zingena ngaphansi kwesigaba. Laba bathengi kufanele bathuthukise isikhundla sabo sokonga imali futhi bathembeke ngokwengeziwe emehlweni ezikhungo. Lokhu kungatholakala ngokulungisa noma ukwakha kabusha amaphuzu, kuya ngokunemba kwemibiko. 

Ukulungisa kusekelwe ezingxabanweni ezisemthethweni ukususa imininingwane engamanga eyonakalisayo. Bheka okwakamuva ukubuyekezwa kwesikweletu ukulungisa.com ku-Credit Fixed ukubona ukuthi lokhu kusebenza kanjani. Ukwakha kabusha kusho ukusebenza ngezinto ezahlukahlukene zokuhlolwa kwe-FICO, njengosayizi wesamba esiphelele sesikweletu. Isu lincike ezinhlosweni - ngokwesibonelo, ungadinga okungaphezulu amaphuzu esikweletu ukuthenga imoto. 

Abafakizicelo abasesigabeni esithi "fair" babhekwa ngokusola. Izinga lithinta izimo nokufinyeleleka kwezinsizakalo zesikweletu, kungaba yimalimboleko yemoto, imali ebanjiswayo, noma ikhadi lesikweletu. Yehlisa izinga lakho esigabeni sabaphathi - ayanda amanani enzalo. Uma uthola ukuvunyelwa, ukuboleka kubiza kakhulu kunomuntu ovela phezulu. 

Izinzuzo Zezikolo Ezingcono

Ukukhuphuka ohlelweni kubalulekile ekusaseni lakho lezezimali. Intuthuko iyakhanga ezigidini zabantu. Nazi ezinye zezinzuzo.

• Izinga lenzalo ezinhlotsheni ezahlukahlukene zezinsizakalo lizoba lincane, okusho ukuthi ukuboleka kuzoshibha.
• Ngamanani aphansi kuza izinkokhelo eziphansi. Ukuhlangabezana nezibopho njalo ngenyanga kuzoba lula. 
• Uzovula izimo ezingcono kumakhadi, kufaka phakathi inzalo, amadili, nemivuzo.
• Ukuqasha ifulethi noma indlu kuzoba lula, ngoba abanikazi bezindlu bazokubona njengomqashi onokwethenjelwa.

Kungani Izikolo Ziwa

Njengoba ingqikithi isuselwe embikweni, yini ngempela ethinta wona? Indlela ye-FICO ibheka izici ezinhlanu zokuziphatha kwakho kokuboleka. Ngamunye wabo unethonya elithile esimweni sakho. Nakhu ukuwohloka:

• ukukhokha kwangaphambili (35%);
• inani eliphelele elikweletwayo (30%);
• ubudala bamarekhodi (15%);
• ama-akhawunti amasha (10%);
• Ukuhlanganiswa kwekhredithi (10%).

Qaphela ukuthi izindlela ezahlukahlukene zokuhlola zincike ezintweni ezahlukahlukene, yize i-FICO neVantageScore zifana ncamashi. Ngokuvamile, inani eliphelele elingathandeki liyabonwa ngenxa yesabelomali esingesihle. Ngokwesibonelo:

• Kungenzeka ukuthi weqiwe ukukhokha esikhathini esedlule. Lolu uhlobo lolwazi olulimaza kakhulu, njengoba luchaza isigaxa esikhulu samaphuzu. Njengomthetho, ababolekisi babika ukukhokha sekwephuzile ezinsukwini ezingama-30 ngemuva kosuku olubekiwe. 
• Ekugcineni, ukwehluleka ukukhokha imiphumela emaqoqweni, okwehlulekayo, ukuqothuka, kanye nezahlulelo zomphakathi, okungcolisa inani leminyaka eyisikhombisa (Isahluko 7 sokuqothuka kuhlala iminyaka eyishumi).
• Kungenzeka usebenzise kakhulu imikhawulo yakho. Ukukhulisa amakhadi esikweletu kuwumqondo omubi, ngoba kuletha isilinganiso sokusetshenziswa sifike ku-100%. Okwamanje, ochwepheshe bancoma ukuthi ungasebenzisi ngaphezu kwe-10% yemikhawulo yakho ephelele.
• Uma unolwazi oluncane ngesikweletu, umlando wakho mfushane kakhulu.
• Ababoleki abasebenzisa uhlobo olulodwa noma ezimbili kuphela zezinsizakalo banenhlanganisela yezikweletu embi. Le nto, ebhekele u-10% womphumela, ikhombisa amandla akho okuphatha izinhlobo ezahlukahlukene zezibopho.
• Kungenzeka ukuthi usuthole isikweletu esiningi kakhulu.
• Kungenzeka uthumele izicelo eziningi kakhulu esikhathini esifushane. Ukulinganiselwa kokuthenga kuvunyelwe, kepha ukucela izinhlobo ezahlukene zokubolekwa ngemali kunomthelela omubi, ngoba kukwenza ubukeke njengomuntu olangazelela imali.

Ngingasithuthukisa Kanjani Isikweletu Sami?

Uma isikolo sakho siwile ngokungafanele, lungisa amaphutha wokubika ngokwakho noma uqashe ochwepheshe. Ukulungiswa kususelwa kwizimiso ze-The Fair Credit Reporting Act, ephoqa abaphathi bamahhovisi ukuthi basuse noma yiluphi ulwazi abakwazi ukuluqinisekisa. Ukuvula impikiswano, udinga ukuthola ubufakazi bese wenza amakhophi amadokhumenti ukuxhasa isimangalo sakho. A ithempulethi iyatholakala kuwebhusayithi yeConsumer Financial Protection Bureau. 

Ngenye indlela, thola inkampani yokulungisa esifundazweni sakho. Ochwepheshe bazothola ukungahambelani kumarekhodi akho, balungiselele ubufakazi bese bephikisana nabo ngokusemthethweni egameni lakho. Lokhu konga isikhathi, ngoba awudingi ukuzulazula emithethweni noma ukubhekana nezincwadi ezisemthethweni. Yonke incwadi yezingxabano iqala uphenyo lwangaphakathi oluthatha izinsuku ezingama-30. Uma i-bureau yamukela ushintsho, uzothola ikhophi yombiko ochitshiyelwe mahhala.

Lapho amaphuzu alungile enembile, akukho okumele kulungiswe. Esikhundleni salokho, bheka amaphethini akho okuboleka ukuze ubone ukuthi iziphi izinto ze-FICO ezidonsela phansi inani. Isibonelo, ungadinga ukwehlisa ukusetshenziswa ngokukhokha izilinganiso ezithile, ukunweba imikhawulo, ukuthola ikhadi elisha, noma ukuba ngumsebenzisi ogunyaziwe. Kancane kancane, isimo sakho sizothuthuka, sivule izimo ezingcono zezinhlobo ezahlukahlukene zamasevisi.