Nzira yekuwana chikwereti chemotokari kana uine chikwereti chakaipa

Zvikanganiso zvishoma zvemari zvinogona kukanganisa zvakanyanya chikwereti chako, uye kugadzirisa chikwereti chakashata kwakaoma kupfuura kuchiwana.

Kana uine chikwereti chakashata, usaora mwoyo kana yasvika nguva yekutenga motokari itsva kana kuti yakashandiswa zvishoma. Nekugadzirira kwakakodzera uye nzira, kunyange avo vane chikwereti chakaipa vanogona kuwana chikwereti chemotokari.

Usati wanyorera chikwereti chemotokari, iwe unofanirwa kuve uine zano rekutarisa pabepa pamberi pevakweretesi uye vanogona kukweretesa. Izvo zvakakosha kuti uzviratidze iwe mune yakanakisa mwenje kuti utariswe sechikwereti. Kuti uwane mibairo yakanakisa uye yenguva refu mubereko, ronga kupedza kusvika kumwedzi mitanhatu uchigadzirira uye uteedzere matanho aya kuti uite fungidziro yakanaka yekutanga:

Nzira 1 ye1: Kutenga Mota ine Yakashata Chikwereti

Danho 1: Tora chirevo chako chechikwereti. Raira marepoti ako echikwereti kubva kuEquifax, Experian uye Transunion. Aya ndiwo makuru ekuzivisa kiredhiti masangano uye kiredhiti yako kiredhiti inozotemwa nezvavainazvo pafaira nezve maitiro ako emari.

Ramba uchifunga kuti mishumo inogona kusiyana pakati pemasangano.

• MabasaA: Une kodzero yekupihwa rondedzero yemahara gore rega rega; kana zvisina kudaro, iwe uchada kubhadhara muripo muduku.

Danho rechipiri: Edza kuvandudza chikwereti chako. Ongorora zvaunogona kugadzirisa pamishumo yako yechikwereti kuti uvandudze chikwereti chako.

Bhadhara kana kutaurirana mubhadharo kune chero chinhu chaunogona kubata zvine musoro. Kana pane kukanganisa, nyora kupokana. Kana zvichibvira, funga nezvekubatanidza zvinhu zvakaita sechikwereti chemudzidzi.

Nhanho 3. Wedzera nhoroondo yakanaka yechikwereti kune mishumo yako.. Kazhinji mishumo yechikwereti hairatidze nhoroondo yako yakanaka yekubhadhara, izvo zvisingape vanogona kukweretesa mufananidzo wakakwana wemaitiro ako emari. Zvisinei, muzviitiko zvakawanda zvinokwanisika kuwedzera chikwereti chako chakanaka, kunyange zvazvo ichidhura zvishoma.

Danho rechina: Tanga kugadzira chikwereti chitsva. Nyorera kadhi rechikwereti rakachengetedzwa, rinova kadhi rawakatobhadhara mari yakasara pariri.

Ziva zvakare kuti kungova nemepu hakuna chazvinoita kumishumo yako; iwe unofanirwa kuishandisa uye kubhadhara mabhiri ako nenguva yekuita zvakanaka kuratidza pane yako kiredhiti mamakisi.

Danho 5: Unganidza Zvinyorwa. Unganidza chero magwaro asiri chikamu chenhoroondo yako yechikwereti cheruzhinji, senge mabhiri ekushandisa kana kunyange notarized affidavits kubva kuvanhu, kuratidza kuti uri kubhadhara mabhiri ako nenguva.

Vanokweretesa vanogona kuvimbisa zvikwereti nemaoko kuti zvibatanidze zvinyorwa zvisiri chikamu cherepoti yako yechikwereti uye zvinozokurudzirwa kutora danho iri paunenge uchiedza kuvakazve nhoroondo yako yechikwereti uye uine hunyanzvi hwekuronga.

Nhanho yechitanhatu: Nyorera chikwereti chebhangi. Tanga wataura nebhanga kuti uwane chikwereti. Iwe unotova nehukama neiyo institution, saka iyi ndiyo yako yakanakisa bheti yekubvumidza chikwereti.

Mabhangi zvakare anowanzo kupa mari yechikwereti iri nani, zvichiita kuti zvive nyore kwauri kubhadhara chikwereti chemotokari yako mune ramangwana.

Nhanho yechinomwe: Bata kambani yako yeinishuwarenzi kune chikwereti. Kana bhangi rako raramba chikumbiro chako chechikwereti, taura nekambani yako yeinishuwarenzi kuti uone kana masevhisi echikwereti akasanganisirwa mupasuru yavo yemasevhisi.

Kufanana nebhangi rako, kambani yako yeinishuwarenzi yatove newe semutengi uye inokwanisa kubvumidza chikwereti chako.

Nhanho yechisere: Nyorera chikwereti chemotokari. Sechisarudzo chekupedzisira, taura nemutengesi anotengesa mota yauri kuda kutenga. Vatengesi vemotokari vanowanzo bhadharisa mibairo yakakwirira, zvinoreva kuti iwe uchabhadhara yakawanda mukufamba kwenguva, kunyangwe ivo vachibvumidza zvikwereti zvemotokari zvakasununguka kupfuura mabhangi.

Nhanho yechi9: Enzanisa zvese zvingasarudzwa zvechikwereti uye sarudza imwe. Tarisa iyo yakanakisa kupihwa uye usagamuchire otomatiki chikwereti chekutanga chaunopihwa iwe.

Verenga zvese muzvinyorwa zvakanaka uye ita shuwa kuti unonzwisisa zvizere mazwi. Weresa zvaungasarudza uye uve wakatendeseka kwauri pachako nezvekuti imarii yaungabhadhara uye kuti unoda kubhadhara nguva yakareba sei.

Zvipire kuchikwereti chete mushure mekuongorora kuti ndechipi chikwereti chinonyatsoenderana nezvido zvako.

• Kudzivirira: Ngwarira zvikwereti izvo mazwi asiri ekupedzisira. Mumamiriro ezvinhu akadaro, mari yako yepamwedzi inogona kuwedzerwa mune ramangwana.

Nhanho 10: Iva nechokwadi chekubhadharwa kwechikwereti nenguva. Kana ukangowana chikwereti chako uye makiyi emotokari yako itsva, ita mari yako nenguva kuti uenderere mberi nechikwereti chako chakaipa. Nenzira iyi, nguva inotevera yaunoda kutenga motokari, maitiro acho anokurumidza uye akatsetseka.

• MabasaA: Ramba uchifunga kuti mushure mekunge waita mari yako yechikwereti chemotokari kwegore, unogona kukwanisa kugadzirisa pamutengo wakaderera.

Nepo kugadzirira chikwereti chakashata chemotokari kunogona kuva kwakaoma, zvakakosha mukufamba kwenguva. Yako yakaipa nhoroondo yechikwereti hairevi kuti igare nekusingaperi, uye mushure memakore akati wandei ekuedza kwakabatana kuigadzirisa, hauchazotsanangurirwa nezvikanganiso zvako zvekare zvemari. Izvi zvichakubatsira kutenga hombe sedzimwe mota uye kunyangwe dzimba mune ramangwana.

Paunongotenga mota nyowani, une mitoro mitsva inodarika kubhadhara pamwedzi. Mune ramangwana, iwe unenge uine zvinodiwa zvekuchengetedza uye zvichida kunyange kugadzirisa.

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