Phucula iNqaku lakho leTyala ngeTransUnion: Iingcebiso kunye namaqhinga

Ukuphucula eyakho amanqaku etyala abalulekile ekuqinisekiseni imali-mboleko, imali yokubambisa, kunye nokufumana eyona nzala ilungileyo. Enye yezona arhente zidumileyo zokunika ingxelo ngetyala, iTransUnion, ibonelela ngezixhobo ezahlukeneyo kunye neenkonzo zokunceda ukuphucula amanqaku akho. Kweli nqaku, siza kuphonononga iingcebiso ezinokuqonda kunye namaqhinga endlela yokufumana okuninzi kwiTransUnion kunye nokunyusa amanqaku akho etyala.

Ukuqonda amanqaku akho eMboleko

Ngaphambi kokuba ungene kwihlabathi lophuculo lwetyala, kubalulekile ukuqonda ukuba yintoni na amanqaku ekhredithi kwaye kutheni ibalulekile. Amanqaku ekhredithi linani elinemivo emithathu emele ukufaneleka kwakho ngetyala, eliphuma kwimbali yakho yekhredithi. Ibonisa ababolekisi ngendlela ekunokuba yingozi ngayo ukukuboleka imali. Amanqaku aphezulu athetha ukuba awukho mngciphekweni omncinci, nto leyo eyenza kube lula kuwe ukuba ufumane imali-mboleko kwaye ufumane imimiselo engcono.

Amanqaku akho ekhredithi amiselwa ngokuyintloko ngabakho Imbali yentlawulo, amatyala angekahlawulwa, ubude bembali yakho yetyala, uhlobo lwetyala oye walisebenzisa, kunye nemibuzo osandul’ ukuyibuza ngetyala. Ezi zinto ziqwalaselwa zii-arhente zokunika ingxelo ngetyala, kuquka iTransUnion, ukuvelisa amanqaku akho etyala.

Yenza iAkhawunti yeTransUnion

Ukuqalisa, kufuneka wenze iakhawunti yeTransUnion. Le nkqubo ilula kwaye iyakhawuleza, ikuvumela ukuba ufikelele kwingxelo yakho yetyala kwaye ufumane amanqaku kwi-intanethi. Ukuba neakhawunti kukwenza ukwazi ukujonga amanqaku akho etyala rhoqo, nto leyo ibalulekile ekugcineni iprofayile yetyala esempilweni.

Nje ukuba unayo i-akhawunti, sebenzisa izixhobo zeTransUnion kunye neenkonzo ezibonelelweyo ukuze uqonde ngcono amanqaku akho etyala kwaye ufunde iindlela zokuliphucula. Ezi zixhobo zinokukunceda ukuchonga iindawo apho ikhredithi yakho inokusilela kwaye inike iingcebiso zomntu ngamnye zokuphucula.

Beka iliso kwiNgxelo yakho yeTyala

Ukubeka iliso kwingxelo yakho yekhredithi kubalulekile ekugcineni amanqaku alungileyo etyala. Ngeakhawunti yakho yeTransUnion, unokufikelela kwingxelo yakho yetyala kwaye ujonge iimpazamo okanye ukungachaneki. Ukuba ufumana nakuphi na ukungangqinelani, qiniseka ukuba uyazixela kwiTransUnion ngokukhawuleza. Ukulungisa iimpazamo kwingxelo yakho yekhredithi kunokuba nempembelelo enkulu kumanqaku akho ekhredithi.

Ukuhlala uphonononga ingxelo yakho yetyala kukwanceda ukuba ubone naziphi na iimpawu zobusela bezazisi okanye ubuqhophololo. Ngokubeka iliso elibukhali kwingxelo yakho yetyala, unokuthatha inyathelo ngokukhawuleza ukuba ubona nayiphi na intengiselwano okanye iiakhawunti ezikrokrelekayo.

Phucula iMbali yeNtlawulo

Njengoko bekutshiwo ngaphambili, imbali yakho yentlawulo yenye yezona zinto zibalulekileyo ekumiseleni amanqaku akho etyala. Ukuphucula amanqaku akho etyala, kufuneka wenze zonke iintlawulo zakho ngexesha, kubandakanya amatyala ekhadi letyala, iimali-mboleko kunye nezinye. neembopheleleko zemali.

Ukumisela iintlawulo ezizenzekelayo kunokuba yindlela eluncedo yokuqinisekisa ukuba awuze uphoswe yintlawulo. Ngaphezu koko, ungasebenzisa uhlahlo lwabiwo-mali okanye izixhobo zoku jonga iindleko zakho kwaye ucwangcise iimali zakho ngokufanelekileyo. Ukwenza iintlawulo ezipheleleyo, ngexesha eliqhubekayo liya kubonisa iziphumo ezilungileyo kumanqaku akho ekhredithi.

Hlawula iTyala eliNgaphantsi

Enye into ebalulekileyo kumanqaku akho etyala lityala lakho eliseleyo. Ukunciphisa ibhalansi yekhadi lakho letyala kunye ukuhlawula iimali-mboleko kunokuba kakhulu phucula amanqaku akho ekhredithi. Yenza isicwangciso sokuhlawula amatyala, ubeke phambili amatyala anenzala ephezulu kwaye ukwabe inxalenye yomvuzo wakho wenyanga ukuze uwahlawule.

Ukugcina ukusetyenziswa kwetyala eliphantsi, eyipesenti yekhredithi ekhoyo esetyenziswayo, kuya konyusa amanqaku akho etyala. Injongo yokugcina ukusetyenziswa kwetyala lakho ngaphantsi kwe-30% ukugcina iprofayile yekhredithi esempilweni.

Yakha iMbali yeTyala

Ukuseka imbali ende yetyala kunye nomxube weeakhawunti zetyala kunokuba nefuthe elihle kwinqaku lakho letyala. Gcina ii-akhawunti zakho zekhredithi ezindala zivulekile, njengoko ukuvala kunokunciphisa ubude bembali yakho yekhredithi kwaye kuchaphazele kakubi amanqaku akho.

Kwakhona, cinga ngokutshintsha iphothifoliyo yakho yetyala ngokulawula ngokuthembekileyo iindidi ezahlukeneyo zetyala, ezinje ngeemali-mboleko zezavenge, iimali mboleko, kunye namakhadi okuthenga ngetyala. Le yantlukwano iya kubonisa kubabolekisi ukuba ungaphatha ngempumelelo iintlobo ezahlukeneyo zekhredithi.

Ukufumana okuninzi kwiTransUnion kunye nokuphucula amanqaku akho etyala kufuna ukuqonda izinto ezichaphazela ikhredithi yakho, ukujonga ngenkuthalo ingxelo yetyala lakho ngeempazamo okanye isenzo esikrokrelayo, ukwenza iintlawulo ngexesha, ukunciphisa amatyala angekahlawulwa, kunye nokwakha imbali ende neyahlukeneyo yetyala. Ngokuzingisa kunye nokulawula ngononophelo, ungawongeza amanqaku akho etyala kwaye wonwabele izibonelelo zokuba neprofayile yetyala eyomeleleyo.