Vashandi vanogona, nemvumo yako, chengetedza chikwereti chenhoroondo yako sechikamu chebasa rekushanda kwemabasa uye izvo zvavanoona zvinogona kuva nyaya yevanotsvaka basa.
Zvinoshandiswa nevashandi - uye hazvikwanisi - Dzidza Kubva kune Chikwereti Chekuona
Chikwereti chako chikwereti uye mushumo wechikwereti hazvibvumirwi, kunyange zvazvo vanhu vazhinji vanovashandisa nenzira iyo.
Chikwereti chako chikwereti, nhamba nhatu nhamba iyo inomirira chikwereti chako-kukosha kune vanokweretesa, haisi chikamu chehupoti iyo inowanika kune vanotarisira vashandi. Saka, kana iwe ukapa mvumo yekuongorora chikwereti, hausi kugovera madivi ako, kutaura.
Zvechokwadi, pane zvakawanda izvo vashandi vanogona kudzidza kubva pakushanda-kuongorora shanduro yemutero wako wekwereti, kunyange pasina chikamu ichocho. Icho chinosanganisira mari yakawanda yekuti iwe une chikwereti, mari yakawanda sei yaunoshandisa, uye kana iwe unogara uchingodzoka nemari yako. Muchidimbu, vashandi vanowana ruzivo rwese runopinda mukugadzira chikwereti chenhamba yako, asi kwete zviro pachako.
Zvisinei, havakwanisi kudzidza chinhu pasina mvumo yenyu. Pamberi pekambani inogona kukwanisa kubhadhara chikwereti chekwereti nokuda kwebasa rekushanda, inofanira kukuzivisa iwe nekunyora uye kuwana mvumo yako yakanyorwa.
Kubva muna 2017, 10 inotaura inopfuurira mberi kupfuura izvozvo, ichidzikisa dhigirii iyo vashandi vangashandisa cheko chekwereti mukuita zvisarudzo zvebasa.
Semuenzaniso, California inorambidza vashandi kuti vasanounganidza ruzivo rwekwereti nokuda kwekugadzirira mazano, kunze kwekuda kwemabasa akasiyana, kusanganisira mabasa ekutarisira, mitemo yekushanda kwemabasa, kana nzvimbo nehurumende yehurumende yekutonga.
Credit Report Red Flags
Ndezvipi zvinhu zviri muhupoti yako yechikwereti zvinogona kuva dambudziko kana zvasvika pakuwana mari?
Kune mitsara miviri yakawanda iyo vashandi vanenge vachizocherechedza kana vakashandisa chikwereti chekwereti uye vashandise sechikamu chekuita sarudzo.
Ken Lin, CEO weKekopo Karma, akagoverana ruzivo neThe Balance pane zvinhu zviri mumushumo wekwereti inogona kuonekwa semavhogi matsvuku kune vashandi. Aya mabhogi matsvuku anosanganisira:
- Zvesheni - Chero chero rudzi rwekubatana newe hunogona kuva chiratidzo chekusava nehanya. Inokurudzira kune vashandi kuti iwe hauna mhaka yakakwana yekubhadhara chikwereti chako kana kutaurirana kugadzirisa.
- 100 Percent Usashandiswa Kwekubhadhara - Izvi zvinoratidza vashandi kuti uri pamusoro pemusoro wako uye haugoni kumira kubhadharo.
- Kushungurudza / Kutarisana - Izvi zvakare zvinoratidza kusava nehanya kwezvinhu zvawakazvipira. Kumunhu anoshandira, izvi zvinogona kuratidza kuti iwe uchabhadhara pamapurogiramu makuru uye haunzwisisi zvakakwana.
- Munguva pfupi yapfuura Maawa Anotevera - Mazuva ekupedzisira 30-, 60-, kana kuti mazuva makumi mapfumbamwe ekubhadhara mari anoratidzira mari inokuita kuti uwedzere kunetseka. Ichi chiitiko chinogona kuonekwa semamwe emavara mutsvuku kune zvipo zvemari nokuti zvinoratidza kuti une dambudziko rekugadzirisa.
- Basa rinokosha - Kuzarura kwekupedzisira kweakaverengi matsva kana kuvharwa kweakaunti dzakawanda kunogona kuonekwa semureza mutsvuku. Basa rinokosha rinogona kuita kuti vashandi vafunge kuti munoda uye unoda chikwereti chakawedzerwa nokuti uri pamusoro pemusoro wako. Kuvhara maverengi akawanda kunogona kuonekwa sechiratidzo chokuti hauna kunaka nemari uye hauzive kuti ungadzivisa sei kukwereta mari yakawanda yechikwereti.
Zvaunofanira Kuita Kana Iwe Wakazvidya Mwoyo Nekutanga Kwebasa Rekuona Chikwereti
- Zvizivikanise nemari yako yeruzhinji. Pasi pe Fair Fair Reporting Act , une kodzero yekupa mukana wekubhadhara mari yechikwereti kubva kune imwe neimwe yezvikamu zvitatu zvakakura zvekubhadhara chikwereti kune mwedzi gumi nemwedzi. Iyi mitsara ine zvinyorwa zvakafanana kumashoko ekugadzirisa basa-aizowanikwa kune anotarisira kushandira. (Unogonawo kuwana FICO yako yakasununguka, asi izvi hazvibatsiri kumabasa ako.)
- Rongedza chinhu chipi zvacho chisina kururama. Chidzidzo che2012 kubva kuFTC chakawana kuti mumwe muvashanu vemuAmerica vaiva nekanganiso kune rimwe remitatu yavo yemari yechikwereti. Vashanu muzana yevatengesi vaiva nekanganiso yakange yakaoma zvakakwana kuti vatungamirire ivo vachibhadhara mari yakakwirira pamusoro pezvikwereti. Zvinokwanisika kuti kukanganisa kune zvose zvinomira pakati pako nekubhadhara.
- Usavhunduswa nechinangwa chingakonzerwa nekwereti yako yemari. Izvozvo zvinenge zvakakomba kwauri zvinogona kunge zvisingaiti chikamu kune waunoshandira. Kana, iwe ungakwanisa kupa tsananguro inonzwisisika yechinhu chisina kunaka uye kugutsikana mutengi wemukana. Pakupedzisira, kana iwe uchifunga kuti mushandi ari kushandisa chikwereti chekubhadhara sechifukidzo chezviito zvekusarura, usazeza kutaura neEqual Employment Opportunity Commission . Vanogona kusarudza kana mushandi ari kushandisa chikwereti chekuita chikamu sechikamu chinoshanda chekuongorora kwacho kwakabatana nebhizimisi rinodikanwa.