Broken Credit History - Kururamiswa Kunogona

Zvakanaka, ndingagamuchira sei chikwereti? Haasi bhadha yakagadzirira kupa chikwereti kana ine chikwereti chechikwereti chakaipa here? Anokwereta anozvitambudza nemibvunzo isingaperi. Aiwa, kutenga chikwereti neyakaipa chikoro chenhoroondo kunogona. Asi hazvidikanwi kuverenga chikwereti nehotera yakaderera .

Zvinowanzoitika kuti akakwereta anotendeukira kumabhengi akawanda anoda kupiwa chikwereti nechakaipa chikoro chekwereti uye anogamuchira zvachose kuramba.

Paunenge uchitarisa chikwereti chechikwereti, bhangi kana sangano rekusungirirwa kwemari richadikanwa chaizvo kuti rive nechokwadi chekuti ndiani anokweretesa chikwereti, uye kana vachiisa mari yavo pangozi. Nokuda kweizvi, bhangi rinobvunza chikwereti kuti rive nedhidziro yaro, kuitumira ku-credit bureau, kuitira kuti anzwisise kuti ingozi yei chikwereti isiri kudzorera kune munhu chaiye. Mune chikwereti chinyorwa cheumwe munhu, ruzivo rwezvikwereti zvakambotambirwa kare, pamusoro pezvipfeko, kana kuti chokwadi chekuendesa kwekwereti yekwereti kune rimwe boka rekuchengetedza rakachengetwa. Zvechokwadi, kana chikwereti chemunhu chikakanganiswa, nekuda kwekuderera kwake kwemari, ipapo mikana yekuramba yakakwirira.

Asi zvikonzero nei munhu akakwereta achiripo ane chikwereti chakakonzerwa nekwereti inogona kuva yakawanda, chirwere, nekudzingwa kana mhuri. Uye mabhandi, sekutonga, vanosangana nevanobhadhara, avo vanotarisana nezvinetso zvemari zvenguva pfupi, uye pasina matambudziko akasiyana-siyana vanopa zvipo kana zvikwereti zvikwereti. Bhengi inogona kupa zvikwereti pamutero unotevera, kana akakwereta asati asvika anoshandisa kubhangi. Kana zviitiko zvezororo, bhangi haigoni kuparadza zvinyorwa zvekwereti, uye icharamba yakachena.

Asi, zvinosuruvarisa, vazhinji vakwereta havazive zvingasarudzwa zvinopiwa nebhangi. Uye uyo anenge akwereta, asingatauri bhangi rematambudziko epanguva pfupi, anotora chikwereti chekubhadhara chikwereti semugumisiro.

Maererano neMutemo weCredit Histories, nyaya yekwereti yekwereti inogona kukwezva kune zvakakanganiswa chikwereti chikwereti. Nokuda kweizvi, zvakakosha kunyora chikumbiro kune chikwereti chekwereti chekwereti rinoratidza kuti ndeupi ruzivo munhoroondo hahuenderani neicho, uye unobatanidza chirevo chechirevo ichi kumushandi.

Mushure mokuongorora, mahofisi aya achazivisa uyo anenge akakumbira nezvemigumisiro yehuongorori uye anoita shanduko yakakodzera kune yakange yakanganisa kare chikwereti.

Zvisinei, kana zvinyorwa zviri mumabhuku echikwereti ndezvechokwadi uye uyo anenge akakumbira aisakwanisa kupa zvikonzero, bhishopu renhoroondo yekwereti haigoni kuita zvinoenderana nemashoko ekutaura.

Muchiitiko ichi, kugadzirisa chakaipa chechikwereti chinyorwa chinogona kungogadzirisa mafungiro ayo kune zvinotarisirwa nemari. Nyaya yemugwagwa wakakonzerwa nekwereti inogona kutora, kunyange kana isingatenderwi mazwi, chikwereti chevatengi, kuripa pasina kunonoka uye nokudaro nokugadzira rhepfenyuro mutsva munhoroondo yaro, nokudaro kuwedzera chikwereti chayo.