Nzira Yokumhanya Nayo Chikwereti Chechikwereti paChiitiko Chakanaka

by Erin Eberlin

Kumhanya chekubhadhara chikwereti kune munhu anenge achida kugarisa kunogona kukubatsira kuchengetedza iwe pfuma yako. Sezvo iwe usingakwanisi kugara uchitonga bhuku nechifukidziro chayo, cheki iyi inokubvumira kukumba zvakadzama mumamiriro emari uye maitiro eanotarisira mumiriri. Kana vane chikwereti chenhoroondo yechikwereti uye vachibhadhara zvikwereti zvavo nenguva, mikana yakakwirira kuti ivo vachabhadhara renhare yavo nenguva.

Chikwereti Chinotarisa Kukutaurei?

Mashoko aya muchechi chekwereti achasiyana maererano nesangano raunoshandisa uye kuti zvakadzama sei mushumo uripo, asi zvinogona kusanganisira:

Kuziva Nyaya : Kutsiwa kwezita, mazita adzo uye maawa apfuura, zuva rokuzvarwa, vanozivikanwa nevashandirwi, zita rewakaroorana, uye Social Security nhamba.
Chikwereti : Nhoroondo dzebhangi, mabhengi ekadhi yemarikiti uye chero zvikwereti (chikwereti, mudzidzi, nezvimwewo) Inonyorawo kuti inguva yakazarura sei, iyo nzira yekubhadhara pamakore maviri apfuura, chikwereti chemari kana chikwereti chekadhi rechikwereti, uye kana pane vanyori vemu-co-signers.
Public Records : Ichanyora chero kubudiswa kwemashoko, kushungurudzwa, mitero yezvikwereti kana (civil) kutonga pamusoro peanenge ari muvakidzani.
Mhinduro : Icharatidza mazita evaya vakakumbira gwaro rekwereti pamusoro pegore rapera.

Mimwe mitsara ichabatanidzawo mazano eFICO yevashandi.

01 - Ndeupi Mashoko Aunoda Kuti Ude Kutarisa Chikwereti pane Muchengeti?

Ita kuti Mugadziri Anogona Kuzadza Fomu Yechikumbiro

Kuti uite chikwereti cheko chekwereti pane chibairo, fomu yekudaidza inofanira, zvishoma inosanganisira:

Zita Rakazara raShaant.
Mazita eMakore maviri apfuura.
Social Security Number.
Zuva rekuzvarwa.
Current Employer.
Current Landlord.

Iwe Unofanirwa Kunyorwa Chiremera Chekuita Chikwereti Chekuona pane Musha

Kuti uite chekiti chekuongorora chikwereti, unofanirwa kutevera mirayiridzo inoratidzwa ne Fair Fair Reporting Act uye unofanira kutanga watora mvumo yakanyorwa kuti iwe uite saizvozvo. Muchengeti anofanira kusayina uye kugadzira dhigirii inotaura kuti vanobvumirana nekuongorora chikwereti. Vatongi vakawanda vanobatanidza chirevo ichi pasi peFomu yeKushandisa. Kana Ifomu yako Yechikumbiro isingakupei mvumo yekushandisa chikwereti chekuongorora chikwereti kune muvakidzani, unoda kuwana rugwaro rwakapetwa rwakasayirwa nemumiririri, kubvumirana nekuongorora chikwereti.

Muenzaniso:

'Mumiririri anopa mvumo uye anogonesa Landlord pamwe nezvose zveMugovera kuti aite chero ipi neipi mibvunzo inobatsira kuongorora ruzivo rwakapiwa pano. Aya mashoko anowanzobatanidza, asi haasi kuongororwa chete, kutarisana zvakananga neVaApplicant's current and former landlords, vashandi, vatengi vechikwereti, zvikwereti zvekwereti, masangano emari, vavakidzani, mapurisa emapurisa ... .. '*

* Zvakanakisisa kutarisana nemutemo wepamutemo kuti uone mashoko akakodzera.

02 - Mvumo yevagari vemhuri Musati Mhanya Kutarisa Chikwereti

Muvakidzani Anofanirwa Kubvumirwa Asati Anomhanya Chikwereti Chekuda Kukwereta pamusoro Pechiitiko Chavaridzi

Kuti uone kuti iwe muridzi weimba chaiyo ari kushandisa basa ravo kumhanya chikwereti chekuongorora kune vashandi , makambani akawanda achakumbira kuti upe mashoko kuti uone izvi. Mafomu anodiwa achasiyana nekambani, asi inogona kusanganisira:

Chimwe chibvumirano chekuona ikozvino kero (telefone yefoni kana yakafanana).
Uchapupu hwekuziva (chireisheni chekufambisa kana pasipoti).
Uchapupu hwokuti iwe une pfuma yezvivakwa (chiito, inshuwarisi, chikwata chekutora chikwereti, uchapupu hwebhuku, mabhizimisi ehurumende, chibvumirano chekutenga).

Inogona kutora kubva pamazuva maviri kusvika ku10 kuti iwane chibvumirano, asi kana ichibvumirwa, ichava nguva yakakurumidza kuchinja nguva yekushandisa chikwereti chekuongorora kune vanotarisira vashandi. Cheki dzimwe nguva inogona kuitwa munyaya yemasekondi.

Sarudza Kana Uchizopa Mutero Wokumhanya Chikwereti

Vamwe vashandi venyika vanoona kuti kubhadhara mari yekushandira, yakadai se $ 15, kukwanisa kutora chikwereti chekubhadhara kunovachengetedza mari munguva yakareba nekuti avo vanogara nevaridzi vasina mari havawanzobvumirwi kubhadhara mari. Vamwe varidzi venyika havabhadhari mari nokuti vanotya kuti mari inobhadhara inogona kuvhiringidza vashandi vakanaka kubva pakushandisa kubhadhara pfuma yavo.

Imwe nzira ndeyekubhadhara mari, asi kana muridzi weimba akadzorera imba, iwe uchadhara mari yaunotora kubva kumwedzi wekutanga wegore kana kuti kuwedzera kune kuchengeteka kwayo . Chinhu chokupedzisira ndicho kungoita chikwereti chekuongorora kune avo vakakumbira vanotanga kubvisa mari yeimba uye vakanyatsozadza basa renyu, kuitira kuti muzive kuti vari kufarira muimba yacho.

Chengetedza Zvinhu Zvisati Zvamhanya Kuongorora Mari

Kuti uzvidzivirire nguva nemari, kune zvimwe zvinhu zvaunogona kuvona iwe pachako.

Zvingangodaro Zita reMumiriri : Kumbira kuti uone chizivo kuitira kuti uone kuti zita uye chiso chiri chimwe chete. Ita kopi yedhidzi kuti uchengetedze nekushanda.
Basa Rakaitika : Unogona kudana mushandi wepagari aripo iye zvino kuti ave nechokwadi chehutano hwavo uye mamiriro emabasa.
Inofanirwa Mumiririri Wezvino Mutsara uye Muvakidzani : Tsvagai kana ivo vanogara imomo, uye kana zvakadaro, rudzi rwemari yevanaani.

Kana murimi wacho akanyepa pamusoro pezvinhu zvipi zvezvinhu izvi, hapana chaicho chaicho chekuenderera mberi nechikwereti chekwereti nokuti vanenge vasiri iwe munhu waunoda kubhadhara.

03 - Endai Chikwereti Chekuona

Sarudza Chikwata Chekubhadhara Iko Unoshandisa Kutamba Chikwereti Chekuona

Experian, E-Renter.com uye Mr. Landlord.com vari mashomanana emasangano anopa vashandi voruzhinji kuti vatarise vashandi veimba. Kutsvaga kwepaIndaneti kuchapa mamwe maitiro akawanda. Usati wapa ruzivo rwako kune imwe kambani, ita basa rako rechikoro uye unova nechokwadi kuti iri kambani inotendwa. Iwe uri kuvapa ruzivo rwakavanzika rakavanzika, iro nemaoko asina kururama, rinogona kushandiswa nyore nyore kubata uhu hwako uye kuumba unyengeri muzita rako kana zita rako rinotora muridzi, iro iwe unogona kunge uri wega wega.

Runha Chikwereti Chekuona

Shandisa nhare ye Social Security nhamba nemamwe mazano akapiwa kuti uite chekuchenda chekwereti nesangano rekusarudza kwako. Dzimwe hurumende dzichakudawo iwe kutumira fax kana kutumira email yepeji yasaini yakabvumirana kune chekwereti chechechi.

Inguva Yakatora Rini?

Dzimwe hurumende dzinogona kukupa chikwereti chekwereti munyaya yemasekondi, asi vamwe vachatora mazuva mashomanana kuti vaonekwe ruzivo.

04 - Ongorora zvigadzirwa zveCheck Check- Good Credit neBlack Credit

Chii Chinofanira Kutarisa Mune Chikwereti Chine Chikwereti?

Iye zvino zvaunenge uine mitsva yekuongorora chechikwereti, unofanirwa kuzviongorora. Tsvaga :

Mazuva Ekupedzisira Mafambiso
Mari dzisina kubhadhara
Kushungurudzwa
Nhoroondo yeEvhangeri (Kana Yakapiwa)
Kutongwa Kunopikisana
Nhamba Yakakura yeMatokari- Kunyange kana uyo anenge ari muvakidzani aripa zvikwereti zvavo panguva, zvinokosha kutarisa kuti vane chikwereti chakawanda sei. Kana huwandu hwavo hwemari yavo mwedzi mumwe nomumwe hwakatoita, vanogona kunge vakaomerwa kubhadhara renhi yavo panguva.

Kana Chikwereti Chekuona Chiratidzira Zvakanaka Kwazvo

Hukuru! Izvo zvinogona kugarisa kune chikwereti chakanaka uye chinoratidzika kubhadhara zvikwereti zvavo nenguva. Zvisinei, zvikwereti zvikwereti hazvirevi nhema. Scam artists uye vadzidzisi vashandi vanoziva nzira yokunyengera ruzivo. Iva nechokwadi chekuti unofanana-pane zvinoda munhu wose. Usagamuchira chero vashandisi vasina kutanga kugamuchira kuti zvose zvakakosha kuchengetedzwa zviripo .

Dzokorora Chirwere Chekuita Chikwereti NeMunhu Anotarisira

Kana nzvimbo dzomugari wemuiti wekwereti inoshuvaridza iwe, vvunze pamusoro pazvo. Pane kazhinji kacho kukanganisa pamushumo wekwereti iyo muvakidzani angave asingatombozivi.

Mukuwedzera, vanhu vakanaka vanowira pamatambudziko uye chiremera hachizove chimiro chemaonero avo pamusoro pemutoro wezvemari. Mumwe mudzimai angangodaro akashandisa chikwereti pasi pezita ravo kana kuti ikoko kunogona kuva nemhosva dzenhema pamushumo wekuti havatombozivi. Hazvambori kurwadza kutarisana nemuiti uye kuteerera kune tsanangudzo dzavo.

Kuramba Mumwe Munhu Ane Zvakaipa

Kana iyo mhinduro inodzoka shure nemashoko asina kunaka pamusoro pevaya vanogara uye iwe unosarudza kusavarenda nekuda kwekwereti yavo yakaipa, Fair Fair Reporting Act inoda kuti utore matanho.

Kutanga iwe unofanira kutumira tsamba ye "Adverse Action" netsanangudzo yekuti wakaramba kushanda kwaanosara nekuda kweshoko ravo rechikwereti. Iwe unofanira kusanganisira zvikonzero chaiyo zvekuramba kwako. Iwe unodawo kuvapa nezita, kero uye nhare yefoni yehurumende yawakashandisa kumhanyira mushumo wechikwereti uye unovaudza kodzero yavo yekukumbira kopi yekusununguka yemutero wavo wechikwereti kubva kusangano mukati mememazuva 60.

Kubhadhara kune Mumwe Munhu Ane Zvakaipa

Iwe unobvumirwa zviri pamutemo kuti uwane imwe chekuchengetedzwa kwekuchengetedza kana kuti muridzi wekambani ane co-signor, chero bedzi iwe unopazve munhu anokumbira ne "Adverse Action" tsamba inotaura kuti chikwereti chavo chakaipa ndicho chikonzero chezvinhu izvi zvinowedzera.

05 - Mazano Okumhanya Chikwereti Chekuona

Mamwe Mazano Anokosha Anofanira Kuyeuka Paunenge Uchida Kuongorora Chikwereti:

Simbira cheko chechikwereti kune vose vanotarisira vashandi, kwete avo chete vanokukuvadzai nenzira isina kururama.
Iwe unoda mvumo yakagadziriswa yomuchengeti kuti atange kutarisa chikwereti.
Vashandi venyika vanofanira kubvumirwa nechechi chekwereti kana kuti mumiririri wekuongorora nzvimbo yekambani kuti atange chikwereti chekuchechedza kune vanotarisira vashandi.
Svitsa vose vanoita basa nenzira chaiyo kuitira kuti iwe usapomerwa kusarura.
Kana ukaramba kubhadhara mumwe munhu ane chikwereti chakaipa, unofanira kutumira tsamba ye "Adverse Action".
Nguva dzose tevera mitemo ye Fair Fair Reporting Act.
Zvinogara zvakanakisisa kuti zvose zvasaina uye zvinyorwa kuti zvizvidzivirire.
Chengeta zvinyorwa uye zvikwereti zvekwereti munzvimbo yakachengeteka kana mumwe muparidzi achiedza kukupomera mhosva yekusarura. Iwe unogona kubvisa chikamu chechikwereti chisina kunaka kuti usimbise nzvimbo yako.
Iva nechokwadi chokuti iwe unosarudza sangano rekubhadhara chikwereti kuti rishandise mushumo.
Kungoti mumwe munhu ane ripoti rakanaka hazvirevi kuti ivo vachava muvakidzani akanaka. Usarega kurinda kwako pasi!
Chikwangwani chekuongorora uye chikoro chekuongorora hachisi chakafanana. Chikamu chekuongorora chinopa huwandu hwehupupuriro huri pamusoro pemunhu anokwanisa kuita uye hunogona kubatanidzwa pamwe nekuongorora chikwereti. Iwewo unoda kubvumirwa zvakanyorwa zvakanyorwa kuti uite chekuongorora chemashure.