Thuthukisa Ikhredithi Yakho Nge-TransUnion: Amathiphu Namaqhinga Ahlakaniphile

Ukuthuthukisa eyakho amaphuzu esikweletu abalulekile ukuze uthole izikweletu, izikweletu, kanye nokuthola amanani enzalo angcono kakhulu. Enye yezinkampani ezibika ngezikweletu ezaziwa kakhulu, i-TransUnion, inikezela ngamathuluzi ahlukahlukene namasevisi ukusiza ukuthuthukisa isikolo sakho. Kulesi sihloko, sizohlola amathiphu namasu okuqonda ukuthi ungathola kanjani okuningi ku-TransUnion futhi uthuthukise isikolo sakho sesikweletu.

Ukuqonda Isikweletu Sakho

Ngaphambi kokungena emhlabeni wokuthuthukisa isikweletu, kubalulekile ukuqonda ukuthi siyini amaphuzu esikweletu nokuthi kungani sibalulekile. Amaphuzu esikweletu inombolo enezinhlamvu ezintathu emele ukufaneleka kwakho kwekhredithi, etholakala emlandweni wakho wesikweletu. Ibonisa ababolekisi ukuthi kungaba yingozi kangakanani ukukuboleka imali. Amaphuzu aphezulu asho ukuthi usengozini encane, okwenza kube lula kuwe ukuthi uvikele imalimboleko futhi uthole imigomo engcono.

Isikolo sakho sesikweletu sinqunywa ngokuyinhloko nguwe umlando wokukhokha, isikweletu esisilele, ubude bomlando wakho wesikweletu, izinhlobo zesikweletu osisebenzisile, kanye nemibuzo yakho yakamuva yekhredithi. Lezi zici zicatshangelwa ama-ejensi abika ngezikweletu, okuhlanganisa i-TransUnion, ukuze kukhiqizwe amaphuzu akho esikweletu.

Dala i-Akhawunti ye-TransUnion

Ukuze uqalise, udinga ukudala i-akhawunti ye-TransUnion. Le nqubo ilula futhi iyashesha, ikuvumela ukuthi ufinyelele umbiko wakho wesikweletu futhi uthole ulwazi ku-inthanethi. Ukuba ne-akhawunti kukwenza ukwazi ukuqapha isikolo sakho njalo, okubalulekile ekugcineni iphrofayili yekhredithi enempilo.

Uma usunayo i-akhawunti, sebenzisa amathuluzi namasevisi e-TransUnion anikeziwe ukuze uqonde kangcono isikolo sakho sesikweletu futhi ufunde izindlela zokusithuthukisa. Lawa mathuluzi angasiza ekuhlonzeni izindawo lapho isikweletu sakho sishoda khona futhi anikeze izincomo eziqondene nawe zokuthuthukisa.

Gada umbiko wakho wesikweletu

Ukuqapha umbiko wakho wesikweletu kubalulekile ekugcineni amaphuzu amahle esikweletu. Nge-akhawunti yakho ye-TransUnion, ungafinyelela umbiko wakho wesikweletu futhi uhlole amaphutha noma okungalungile. Uma uthola noma yikuphi ukushayisana, qiniseka ukuthi ukubikela i-TransUnion ngokushesha okukhulu. Ukulungisa amaphutha embikweni wakho wesikweletu kungaba nomthelela omkhulu kusikolo sakho sesikweletu.

Ukubuyekeza njalo umbiko wakho wesikweletu kuphinde kukusize ukuthi ubone noma yiziphi izimpawu zokwebiwa kobunikazi noma izenzo zokukhwabanisa. Ngokugada ngeso elibukhali umbiko wakho wesikweletu, ungathatha isinyathelo ngokushesha uma ubona noma yikuphi ukuthengiselana okusolisayo noma ama-akhawunti.

Thuthukisa umlando wokukhokha

Njengoba kushiwo ngaphambili, umlando wakho wokukhokha ungenye yezinto ezibaluleke kakhulu ekunqumeni isikolo sakho sesikweletu. Ukuze uthuthukise isikolo sakho sesikweletu, kufanele wenze zonke izinkokhelo zakho ngesikhathi, okuhlanganisa izikweletu zekhadi lesikweletu, imalimboleko, nokunye. izibopho zezezimali.

Ukusetha izinkokhelo ezizenzakalelayo kungaba indlela ewusizo yokuqinisekisa ukuthi awuphuthelwa yinkokhelo. Ngaphezu kwalokho, ungasebenzisa ukuhlela izinhlelo zokusebenza noma amathuluzi ukuze landelela izindleko zakho futhi uhlele izimali zakho ngendlela efanele. Ukwenza izinkokhelo ezigcwele, ngesikhathi ngokungaguquki kuzogcina kubonise imiphumela emihle kumphumela wakho wesikweletu.

Khokha Ngephansi Isikweletu Esisele

Esinye isici esibalulekile kumphumela wakho wesikweletu yisikweletu sakho esisele. Ukunciphisa ibhalansi yekhadi lakho lesikweletu kanye ukukhokha izikweletu kungaba kakhulu thuthukisa isikolo sakho sekhredithi. Dala uhlelo lokukhokha izikweletu, ubeke phambili izikweletu ezinenzalo enkulu futhi unikeze ingxenye yemali engenayo yanyanga zonke ukuze uzikhokhele.

Ukugcina ukusetshenziswa kwekhredithi ephansi, okuyiphesenti lekhredithi etholakalayo esetshenzisiwe, nakho kuzothuthukisa amaphuzu akho esikweletu. Hlela ukugcina ukusetshenziswa kwakho kwekhredithi ngaphansi kwama-30% ukuze ulondoloze iphrofayela enempilo yekhredithi.

Yakha Umlando Wesikweletu

Ukusungula umlando omude wezikweletu ngenhlanganisela yama-akhawunti esikweletu kungaba nomthelela omuhle kumphumela wakho wesikweletu. Gcina ama-akhawunti akho amadala ekhadi lesikweletu evulekile, njengoba ukuvala kungase kufinyeze ubude bomlando wakho wesikweletu futhi kuthinte kabi isikolo sakho.

Futhi, cabanga ukuhlukanisa iphothifoliyo yakho yekhredithi ngokuphatha ngokuzibophezela izinhlobo ezahlukene zezikweletu, njengemalimboleko yesitolimende, izikweletu zezindlu, namakhadi esikweletu. Lokhu kuhlukahluka kuzobonisa kubabolekisi ukuthi ungakwazi ukuphatha ngempumelelo izinhlobo ezahlukene zezikweletu.

Ukuthola okuningi ku-TransUnion nokuthuthukisa isikolo sakho kudinga ukuqonda izici ezithinta isikweletu sakho, ukuqapha ngenkuthalo umbiko wakho wesikweletu ukuze uthole amaphutha noma umsebenzi osolisayo, ukukhokha ngesikhathi, ukwehlisa isikweletu esisilele, nokwakha umlando omude nohlukahlukene wezikweletu. Ngokuphikelela nokuphatha ngokucophelela, ungathuthukisa isikolo sakho futhi ujabulele izinzuzo zokuba nephrofayela eqinile yesikweletu.