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Ngaba ukuhlawula ixesha elide kuyichaphazela njani inqaku lakho letyala?

Ibhalwe ngu umhleli

Zonke iinkqubo zokufumana amanqaku e-United States zisekwe kwimbali yakho yamatyala, echazwe kwiingxelo ezisemthethweni ezivela kwi-Experian, Equifax, kunye neTransUnion.

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  1. Ukuphoswa okanye ukuhlawulwa kade zezona ziganeko zonakalisayo.
  2. Bacacisa ngaphezulu kwesithathu kubalo (35% ye-FICO kunye ne-40% yeVantageScore).
  3. Iziphumo zixhomekeke ekulungiseni iimpazamo kungekudala. Nazi izinto ezisisiseko.

Ukuhlawulwa kade kuba bubugwenxa kwiintsuku ezingama-30. Kulapho kufuneka ixelwe ngokusemthethweni. Izinto ezinjalo zihlala kwiirekhodi kangangeminyaka esi-7, zide ziphele ngokwendalo. Ii-Bureaus azisusi ulwazi oluqinisekisiweyo, kwaye akukho zixhobo zisebenzayo. Ukuba ihlazo yimpazamo yakho, jongana nomculo: akukho nto unokuyenza ukuyicima. Ukuba iingxaki zakho zezezimali zikhokelela kwi-Bankruptcy yeSahluko 7, ziya kungcolisa iirekhodi kunye nenqaku leminyaka eli-10.

Xa Isenokususwa

Iintlawulo ezifika emva kwexesha azipheli de kuphele. Ayinamsebenzi into yokuba ufike emva kwexesha kangakanani - iintsuku ezingama-30 okanye iintsuku ezingama-60. Ngayiphi na imeko, ulwazi luya kuqhubeka nokuchaphazela imeko yakho kangangeminyaka esi-7. Nangona kunjalo, abathengi banako susa iintlawulo ezifike mva kwingxelo yetyala ukuba bayaxoka. Ukuxela iimpazamo kuqhelekile, yiyo loo nto ishishini lokulungisa likhula. Nayiphi na iarhente yelizwe lonke inokwenza iimpazamo ezinjalo.

Inkampani efana Umthetho weLexington inokubona iimpazamo, iqokelele ubungqina, kwaye ivule iimbambano ezisemthethweni. Ukulungisa iifemu kwenza yonke into egameni lakho, ngelixa ujonga inkqubela phambili ngeefestile okanye iiapps. Kwangelo xesha, unelungelo lokuziqalela ngokwakho iingxabano, simahla.

Le yinkqubo ebangayo nechitha ixesha, ekwafuna ulwazi ngemithetho yabathengi ngetyala. Akumangalisi ukuba izigidi zabantu baseMelika bakhethe ukulungiswa ngamanqaku abo. NgokweKhomishini yezoRhwebo, 20% yabathengi ukuhlangabezana namanqaku angenabulungisa.

Impembelelo kuManqaku

Ukufika emva kwexesha kwintlawulo kube yinto ebaluleke ngakumbi kunokuba unokuthemba. Ngethamsanqa, impembelelo iyaphela ekuhambeni kwexesha, ngakumbi ukuba kukho into enye nje engekhoyo kwiirekhodi zakho. Ukuba ukulibaziseka kwenzeka, thintela umonakalo ngokwenza zonke iintlawulo ezizayo ngexesha. Oku kubaluleke kakhulu.

Qaphela ukuba i-bill eseleyo ayichazwa de kube ziintsuku ezingama-30 ezidlulileyo ngenxa. Oku kunika iwindow ukuyilungisa. Ukuba uhlawula ngokukhawuleza ngokwaneleyo, ayizukubandakanywa kwixesha lakho elidlulileyo lemali. Emva kweentsuku ezingama-30 zokuqala, impazamo iqinisekisiwe ukuba iya kuchaphazela iirekhodi kunye nenqaku. Iziphumo zinokuba mandundu njengokulahleka kwamanqaku ali-180! Nazi ezinye izinto ezimbalwa ezinzima.

● Ukulibaziseka okungaphantsi kweentsuku ezingama-30

Le yeyona meko ilungileyo. Ulibaziseko olunjalo aluxelwa. Ngelixa kusafuneka uhlawule isohlwayo, umonakalo uyancitshiswa.

● Ukulibaziseka kweentsuku ezingama-30-59

Emva kweentsuku ezingama-30 zokuqala, ukugculelwa kuvela kwiirekhodi zakho. Kwangelo xesha, kusafuneka wenze intlawulo. Kwenze ngokukhawuleza.

● Ukulibaziseka kweentsuku ezingama-60

Ukuba uphosa imihla emibini ngokulandelelana, ingxelo yakho iya kubandakanya isaziso esikhethekileyo. Oku kwandisa ukonakala kwimeko yakho, ke oko kungena nzulu. Ukuhlawula ngakumbi utsiba-izaziso ezingaphezulu zongezwa, kwaye kokukhona kulunge ngakumbi ukuhlengahlengiswa. Ekugqibeleni, ityala liya kugqithiselwa kubaqokeleli, ngelixa umbolekisi wokuqala eyokuvala iakhawunti.

Thatha izilumkiso

Njengoko ubona, ukungabikho kweentlawulo kuyimpazamo enkulu ongayenza. Abanye abakhupha amakhadi abasohlwayi ngenxa yeentlawulo ezifike kade (musa ukubeka intlawulo), kodwa oku akuthethi ukuba awunankathalo. Ukuziphatha ngokungakhathali kubeka amanqaku akho emngciphekweni.

Esi salathisi asichaphazeli ukuboleka kwixesha elizayo kuphela. Ikwajongwa ngabantu beinshurensi, abaqeshi kunye nabanini bezindlu. Emva kweentsuku zokuqala ezingama-30 zokulibaziseka, umnikeli wekhadi uya kuxela ukophulwa kwakho. Ezi ngcebiso zilandelayo ziya kukunceda uphephe ukutsiba iintlawulo.

1. Ukuzikhethela ngokuzenzekelayo

Iintlawulo ezizenzekelayo zezona ndlela zilula zokuthintela ezo mpazamo. Inkqubo yokuseta ithatha umzuzu omnye, kwaye iqinisekisa uxolo lwengqondo. Yenza intlawulo yakho ngokwezifiso ngokweemfuno, kwaye inkqubo mayiphathe eseleyo. Konke okufuneka ukwenze kukuqinisekisa ukuba ibhalansi yanele ukuba iintlawulo zihambe.

2. Izikhumbuzo zentlawulo

Asinguye wonke umntu okhululekile ngeentlawulo ezizenzekelayo. Endaweni yoko unokwenza izikhumbuzo zekhalenda okanye usete izilumkiso. Oku kunokubandakanya isicatshulwa kunye ne-imeyile. Inkqubo inokukwazisa xa ingxelo yakho ifunyenwe, xa inani elithile leentsuku lishiyekile phambi komhla omiselweyo, xa iiposti zentlawulo, njl.

3. Khetha uMhla oMiselweyo omtsha

Kunzima ukugcina umkhondo weentlawulo ezininzi ukuba zisasazekile ngaphezulu kwenyanga. Ukulawula ngcono iintlawulo, unokuhlengahlengisa umhla omiselweyo. Umzekelo, ukuba amatyala akho afanelekile emva kosuku lokurhola, kulula ukuhlangabezana nezibophelelo kwaye ugcine iindleko zijongiwe.

The Line Bottom

Ukuhlawulwa emva kwexesha zezona zinto zonakalisayo kwiingxelo zakho nokuba yeyiphi na i-bureau. Zichaphazela amanqaku kwiminyaka esi-7, kwaye akukho ndlela yokuphelisa ulwazi oluqinisekileyo. Abathengi kufuneka balumke ngeentlawulo zabo, kuba nokuba impazamo inye iya kuthi ithambise amanqaku.

Cwangcisa izikhumbuzo okanye u-autopay ukunqanda amanyathelo angalunganga. Ukuba amanqaku akho akanabulungisa, susa iimpazamo zokunika ingxelo ngokulungiswa. Ungazivulela ngokwakho iingxabano okanye ucele uncedo lwearhente ethembekileyo.

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umhleli

Umhleli oyintloko nguLinda Hohnholz.

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