Ramba uri pamusoro pehutano hwako hwehupfumi nehuwandu hwekutsvaga
Munhu wese ane chikwereti chekwereti, asi izvo zvausingazivi kuti iwe unogona kukanda mapurogiramu asina mahwindo kufoni yako ( Android kana iOS ) kuti uongorore zvidzidzo izvi, gadzirisa uye uwane nyevero kana chimwe chinhu chichiitika pahupoti yako - kunyange paunenge uchienda.
Credit Score Basics
Kune zvakawanda zvezvinhu zviri kunze uko kudzidza zvakawanda pamusoro pezvinoenda pakuverenga chikwereti chako chikoro uye izvo zvinorevei nhamba dzakasiyana, asi pano pfupiso yekukurumidza:
- Chikwereti chekwereti chinoratidza "creditworthiness" kune avo vanogona kupa chikwereti, semabhengi uye vateresi vatengi, sezvo chikwereti chenhamba yako inoratidza kuti iwe unofunga sei kuti uripo nekubhadhara zviyero zvako.
- Nhamba yakakwirira iri nani; iyo ichawira pane imwe nzvimbo pakati pe 300 kusvika 850.
- Inonyanya kushandiswa chikwereti chekwereti ndiyo chikamu cheFICO, asi kune dzimwe mhando, dzakadai seVantageScore. Ona nyaya ino kubva kuDhebt.org kuti uwane mamwe mashoko pamusoro pezvikoro zvakasiyana.
Kutaura neChechi Iyo Kuongorora Chikwereti Chakukuvadza Your Score
Ngatitaurirei muchidimbu chivimbo chekutendwa kwekwereti kuburikidza neshumiro yakadai seCredit Karma (kana imwe yezvimwe zvibatsiro zvinotaurwa pasi apa) ichakanganisa mararamiro ako. Ichokwadi ndechokuti kutarisa yako chikwereti chikoro chinowanzoonekwa se "kunyatsotsvaga kubvunzurudza," zvichireva kuti hazvidi "kubata zvakaoma" kweropa rekwereti yako.
"Kurwisana kwakaoma" (kana kuti "mibvunzo yakaoma") inowanzoitika apo iwe unoshandisa kadhi rechikwereti, apo iwe unobhadhara chikwereti kana paunenge uchitsvaga chikwereti, apo "zvinyoro zvishoma" zvinowanzoitika kana iwe uchitarisa yako pota, apo munhu angashandisa akashandisa chekuchechechedza kana kuti iwe unotenderwa kubhadhara kadhi rechikwereti kana chikwereti.
Ichi chinyorwa chinobva kuKarma Karma chine basa rakanaka rekutsanangura musiyano pakati pemhando dzemibvunzo yechikwereti. Chero mamiriro ezvinhu, iwe unofanirwa kuva nechokwadi chokuti kushandisa chero ipi zvayo mapurogiramu ari pasi apa hakuzogadzirisa zvakanyanya chikwereti chako chikoro.
01 ye 05
Credit Karma
Platform: Android uye iOS
Kuratidzira: Chikwereti Chikwereti ndiyo inonyanya kuzivikanwa sekuwana mitsara yekodha yemari yechikwereti kubva kuEquifax neTransUnion bureaus yechikwata (Experian ndiyo imwe nzvimbo huru). Izvo sangano reIndaneti neIOS rinopa maziso ezvimwe zvipi zvinokosha zvekupa chikwereti chekwereti yako, uye kana iwe ukaona chero zvikanganiso, iwe unogona kukonzera kukakavara zvakananga kubva kune Credit Credit Chikamu. Iwe unogonawo kutarisa zvakanongororwa zvakarongeka zvekuti chikwereti chako chikoro chinopedzisira sei uye kutarisa zvose zvinyorwa zviri kuziviswa uye zvinowanikwa muhuwandu hwako.
02 of 05
CreditWise
Platform: Android uye iOS
Mukurumbira: Iri purogiramu rinobva kuna Capital One inowanikwa kune vose, kwete vese vatengi vebhangi. Iko kusunungurwa kwepachena kunopa kugoverwa kwevhiki nevhiki kweTransUnion VantageScore 3.0 (asi inopesana neFICO) chikoro chekwereti, uye inosanganisira zvimwe zvinyorwa zvinonakidza zvakadai sedhikiti simulator inoratidza kuti zviito zvakadai sokubhadhara chikwereti zvingakanganisa chikoro chako. Iwe uchawanawo mazano ehupenyu hwekuvandudza maranho ako, pamwe chete nemabhizimisi-evhudziro evhudziro rwekushandurwa kupi zvako kwakakosha.
03 of 05
myFICO
Platform: Android uye iOS
Mhedziso : Zvikwereti zveFICO ndezvikwereti zvinowanzoshandiswa kusarudza chikwereti chako, naizvozvo zvakakosha kuva nemafungiro ekumira kwako. Kana iwe uine myFICO kubhadharo yekucherechedza chikoro chako uye kuwana mitsara (kutanga pa $ 29.95 pamwedzi), purogiramu iyi yega yega inofanirwa kuve-inofanira kuva nayo. Zvinokuratidza iwe ikozvino FICO chikamu pane zvose zvitatu zvikwereti zvekwereti uye zvinoratidzawo kuti vakashandura sei kupfuura nguva. Chirongwa ichi chinopa zvidzidzo zvakasimba apo pane kuchinja kwakakosha kumugumo wako, zvakadai semibvunzo mitsva kana kuwedzera / kuderera muchikoro chako.
04 of 05
Experian
Platform: Android uye iOS
Kuratidzira: Seimwe yezvikwereti zvitatu zvinokwereta zvikwereti zvinopa zvikwereti zvekwereti, Experian ane njere ine purogiramu yekwereti yekwereti. Programu yeAptan inopa chikoro chako, icho chinovandudzwa mazuva ose makumi matatu, kuwedzera kune tsanangudzo pamusoro pebasa rekwereti yekwereti, chikwereti chakakosha uye nezvekuti basa rako rekadhi rechikwereti rinokanganisa sei chikoro chako.
05 of 05
Credit Sesame
Platform: Android uye iOS
Mukurumbira: Chikwata cheChete Sesame chinopa mahara pachena pamakero ako ekwereti uchishandisa VantageScore model kubva kuTrUnion. Iwe unowanawo kadhi yemakadhi echikwereti, nemakadhi emakadhi anopiwa zvinhu zvakadai semamabhadharo emakore, kushandiswa kwekwereti uye nguva yechikwereti. Iwe uchawana iyo inotarisirwa-account-change maziso zvakare. Chimwe chezvinhu zvakasiyana-siyana ndeye Simba Rangu Rinokwereta, iro rinoronga mari yakawanda yekwereti yaunogona kuwana nayo zvichienderana nehuwandu hwemakero ako uye ruzivo rwebhuku. Ichi chishandiso chinokurudzirawo makadhi emakwereti, mari yekubhadhara mari uye zvigadziriswa.