Hlala phezu kwezempilo yakho yezimali nalezi zokulanda eziphathekayo
Wonke umuntu unomvuzo wesikolodo, kodwa lokho okungenzeka ukuthi awukwazi ukuthi ungalanda izinhlelo zokusebenza zamahhala kufoni yakho (i- Android noma i- iOS ) ukuqapha lezi zikolo, yenza izilungiso futhi uthole izaziso lapho kwenzeka okuthile embikweni wakho - ngisho nalapho uya khona.
Ama-Score Score Basics
Kunemithombo eminingi eningi lapho ukuze ufunde kabanzi ngalokho okuya ekubaleni isikolo sakho sekhredithi nokuthi yiziphi izinombolo ezehlukene ezikushoyo, kepha nansi ukubuka okusheshayo:
- Isikweletu sekhredithi sibonisa "creditworthiness" yakho kubathengi abangabakhokhi, njengamabhange kanye nababolekisi bempahla, njengoba isikweletu sakho sikhombisa ukuthi unomthwalo wemfanelo kangakanani ngokukhokha izilinganiso zakho.
- Inombolo ephakeme ingcono; izowela endaweni ethile phakathi kuka-300 kuya ku-850.
- Isikweletu esivame ukusetshenziswa ngaso sonke isikhathi yisilinganiso se-FICO, kodwa kunezinye izinhlobo, ezifana ne-VantageScore. Bheka lesi sihloko kusuka kuDebt.org ukuthola ulwazi oluthe xaxa ngalawa mazinga ahlukene.
Ukukhuluma ngombono wokuthi ukuhlola isikweletu kuphazamisa isaphulelo sakho
Ake sikhulume ngokufushane inkolelo esekelwe kabanzi ukuthi ukuhlola amaphuzu akho esikweletu ngokusebenzisa insizakalo efana ne-Credit Karma (noma enye yezinye izinhlelo zokusebenza ezishiwo ngezansi) izothinta umphumela wakho kabi. Iqiniso liwukuthi ukuhlola amaphuzu akho esikweledu ngokuvamile kubhekwa "ukuphenywa okulula," okusho ukuthi akudingi "ukudonsa kanzima" kombiko wakho wesikweletu.
"Ukudonsa kanzima" (noma "imibuzo enzima") kwenzeka ngokujwayelekile uma ufaka isicelo sekhadi lesikweletu esisha, uma ufaka isicelo semalimboleko noma uma ufaka isicelo sokuboleka imali, kanti "ukudonsa okuncane" kwenzeka ngokujwayelekile uma uhlola amaphuzu akho, lapho umqashi ongase akwazi ukwenza isheke sangemuva noma uma usuvunyelwe ngaphambi kwekhadi lesikweletu noma mboleko.
Lesi sihloko esivela kwi-Credit Karma senza umsebenzi omuhle wokuchaza umehluko phakathi kwezinhlobo zemibono yemali yesikweletu. Kunoma yikuphi, kufanele uqiniseke ukuthi ukusebenzisa noma yiziphi izinhlelo zokusebenza ngezansi ngeke kube nomthelela omubi kumaphuzu akho esikweletu.
01 ka 05
I-Credit Karma
Amapulatifomu: I- Android ne-iOS
Sibutsetelo: I- Karma Yesikweletu mhlawumbe isevisi eyaziwa kakhulu ngokuthola imibiko yekhredithi yamahhala evela kuma-credit bureaus we-Equifax neTransunion (i-Experian yile enye ihhovisi elikhulu). Uhlelo lwayo lwe-Android ne-iOS luhlinzeka izaziso nganoma yiziphi izinguquko ezibalulekile kumbiko wakho wesikweletu, futhi uma ubona amaphutha, ungafaka impikiswano ngokuqondile kuhlelo lokusebenza lwe-Credit Karma. Ungaphinda ubuke umbono ohlelekile kahle wokuthi amaphuzu wakho wesikolodo ahla kanjani futhi ubheke wonke ama-akhawunti abikwa futhi ahlanganiswe kwisikolo sakho.
02 ka 05
I-CreditWise
Amapulatifomu: I- Android ne-iOS
Sibutsetelo: Lolu hlelo lokusebenza oluvela ku-Capital One luyatholakala kuwo wonke umuntu, hhayi nje kumakhasimende asebhange. Kuyinto yokukhishwa kwamahhala enikeza ukubuyekezwa masonto onke we-TransUnion VantageScore 3.0 (okungafani ne-FICO) yesikolo sesikweletu, futhi kufaka ezinye izinto ezithakazelisayo ezifana ne-simulator yesikweletu ezibonisa ukuthi izenzo ezinjengokukhokha isikweletu zingathinta kanjani isikolo sakho. Uzothola iziphakamiso ezenziwe ngabanye zokuthuthukisa isikolo sakho, kanye nezixwayiso ezijwayelekile zemboni nganoma yiziphi izinguquko ezibalulekile.
03 ka 05
myFICO
Amapulatifomu: I- Android ne-iOS
Uhlolojikelele : Izikolo ze-FICO yizikolo zemali ezivame ukusetshenziselwa ukucacisa ukufaneleka kwakho kwekhredithi, ngakho-ke kubalulekile ukuba nomqondo wokuthi ukhona kuphi. Uma une-myFICO subscription yokuqapha isikolo sakho futhi uthola imibiko (kusukela ngo-$ 29.95 ngenyanga), lolu hlelo lokusebenza lomngane wamahhala lufanele ube nalo. Ikubonisa amaphuzu akho okwamanje we-FICO kuwo wonke ama-credit bureaus amathathu futhi akhombisa nokuthi aguquke kanjani ngokuhamba kwesikhathi. Uhlelo lokusebenza lunikeza izaziso eziphuthumayo uma kunezinguquko ezibalulekile kumbiko wakho, njengemibuzo emisha noma ukwanda / ukwehla kwisikolo sakho.
04 ka 05
I-Experian
Amapulatifomu: I- Android ne-iOS
Sibutsetelo: Njengenye yezinkampani ezintathu ezinkulu zemali esikweleti enikeza imibiko yesikweletu, i-Experian inengqondo kakhulu inehlelo lokusebenza lokukhishwa ngesikweletu. Uhlelo lokusebenza lwe-Experian lunikeza isikolo sakho, esilungiswa njalo ngezinsuku ezingu-30, ngaphezu kwemininingwane mayelana nomsebenzi we-akhawunti yekhadi lesikweletu, isikweletu esivelele nokuthi nokuthi umsebenzi wakho wekhadi lesikweletu uthinta kanjani isikolo sakho.
05 ka 05
I-Credit Sesame
Amapulatifomu: I- Android ne-iOS
Sibutsetelo: Uhlelo lokusebenza lwe-Credit Sesame lunikeza mahhala isikolo sakho sesikweletu usebenzisa i-VantageScore imodeli esuka ku-TransUnion. Uthola ikhadi lombiko wesikweletu, ngamabhalithi encwadi anikwe izinto ezifana nomlando wokukhokha, ukusetshenziswa kwezikweletu kanye nobudala besikweletu. Uzothola izaziso ze-akhawunti ezilindelekile zokuguqula futhi. Esinye sezici eziyingqayizivele kakhulu yiMandla Angibolekayo, enza amaphrojekthi okungakanani ongakwazi ukufinyelela ngawo ngokusekelwe kumaphuzu akho wamanje kanye nolwazi lwe-akhawunti. Leli thuluzi libuye lincoma amakhadi esikweletu, izindleko zokuboleka imali kanye nezinketho zokulungisa kabusha.