Khalani pamwamba pa umoyo wanu wa zachuma ndi zojambulidwa izi
Aliyense ali ndi ngongole ya ngongole, koma zomwe simungadziwe ndikuti mungathe kumasula mapulogalamu aulere ku foni yanu ( Android kapena iOS ) kuti muwone zotsatirazi, pangani ndondomeko ndikudziwitse pamene chinachake chikuchitika pa lipoti lanu - ngakhale pamene mukupita.
Zokongoletsa Zokongoletsa
Pali zinthu zambiri kunja uko kuti mudziwe zambiri za zomwe zikupita kuti muwerenge ndondomeko yanu ya ngongole ndi zomwe ziwerengero zosiyana zimatanthauza, koma apa ndizowonongeka mwachidule:
- Ndalama za ngongole zimasonyeza kuti ndinu "ngongole" kwa ogulitsa ngongole, monga mabanki ndi ogulitsa ngongole, monga ngongole yanu ya ngongole ikuwonetsa momwe mungakhalire ndi udindo ndi kulipira miyeso yanu.
- Nambala yoposa ili bwino; idzagwa penapake pakati pa 300 ndi 850.
- Ambiri omwe amagwiritsidwa ntchito ndi ngongole ndi FICO mapiritsi, koma pali zitsanzo zina monga VantageScore. Onani nkhaniyi kuchokera ku Debt.org kuti mudziwe zambiri pa zosiyanazi.
Pogwiritsa ntchito lingaliro lakuti Kufufuza Ngongole Kumapweteka Zomwe Mukuchita
Tiyeni tiwone mwachidule chikhulupiliro chathunthu kuti kuwona ngongole yanu ya ngongole kudzera mu ntchito monga Credit Karma (kapena mapulogalamu ena omwe atchulidwa pansipa) kungasokoneze chiwerengero chanu. Chowonadi ndikuti kuwona nokha mapikidwe anu a ngongole kawirikawiri kumawoneka kuti ndi "kufufuza kofewa," kutanthauza kuti sikutanthauza "kukopa" kwa lipoti lanu la ngongole.
"Kuvuta kovuta" (kapena "mafunso ovuta") kumachitika makamaka mukapempha kampani yatsopano ngongole, mukamapereka ngongole kapena mukapempha kuti mutenge ngongole, pamene "zokopa zofewa" zimachitika mukamafufuza nokha, pamene wolemba ntchito angayambe kufufuza kapena ngati mwalandiridwa kale kuti mukhale ndi khadi la ngongole kapena ngongole.
Nkhaniyi kuchokera ku Karma ikugwira bwino ntchito yofotokozera kusiyana pakati pa mitundu yofunsira ngongole. Mulimonsemo, muyenera kukhala otsimikiza kuti kugwiritsa ntchito mapulogalamu aliwonsewa pansipa sichidzakhudzanso malingaliro anu a ngongole.
01 ya 05
Karma Yamtengo Wapatali
Masanema: Android ndi iOS
Zowonjezereka: Karma yachinsinsi ndi ntchito yodziwika bwino yopeza malipoti a ngongole ku free Equusx and TransUnion bureaus (Experian ndi malo ena akuluakulu). Mapulogalamu ake a Android ndi iOS amapereka machenjezo a kusintha kulikonse kofunika ku lipoti lanu la ngongole, ndipo ngati muwona zolakwa zilizonse, mukhoza kutsutsana mwachindunji kuchokera ku mapulogalamu a Karma ya Credit. Mukhozanso kuyang'ana mwachidule momwe mungagwiritsire ntchito ngongole yanu pang'onopang'ono ndikuyang'ana nkhani zonse zomwe zikufotokozedwa ndikupangidwira mu mphambu yanu.
02 ya 05
Ngongole
Masanema: Android ndi iOS
Mwachidule: Pulogalamuyi yochokera ku Capital One imapezeka kwa aliyense, osati makasitomala okha. Ndiwowonjezera maulere omwe amapereka ndondomeko ya mlungu wanu wa TransUnion VantageScore 3.0 (mosiyana ndi FICO), ndipo imaphatikizapo zina zochititsa chidwi monga ngongole ya ngongole yomwe imasonyeza momwe zochita monga kulipira ngongole zingakhudzire mpikisano wanu. Mudzakhalanso ndi malingaliro opangidwa ndi munthu payekha kuti mupititse patsogolo mapikidwe anu, pamodzi ndi machenjezo omwe amagwiritsidwa ntchito pa makampani pazitsulo zirizonse zofunika.
03 a 05
myFICO
Masanema: Android ndi iOS
Zowonjezereka : Maphunziro a FICO ndizolemba zambiri za ngongole zomwe zimagwiritsidwa ntchito kwambiri kuti muzindikire kuti muli ndi ngongole, choncho ndizothandiza kwambiri kuti mukhale ndi malingaliro anu. Ngati muli ndi subscription ya myFICO kuti muwone zolemba zanu ndi kupeza malipoti (kuyambira pa $ 29.95 pamwezi), pulogalamuyi yaulereyi ndiyenela kukhala nayo. Ikuwonetsani mapepala anu a FICO omwe alipo panopa maofesi atatu a ngongole komanso akuwonetsa momwe iwo asinthasintha pa nthawi. Pulogalamuyo imapereka zidziwitso zolimbikira pakakhala kusintha kofunikira ku lipoti lanu, monga mafunso atsopano kapena kuwonjezeka / kuchepa kwa mphambu yanu.
04 ya 05
Experian
Masanema: Android ndi iOS
Zowonjezereka: Monga imodzi mwa maudindo akuluakulu atatu a ngongole omwe amapereka malipoti a ngongole, Experian ali ndi luso lokhala ndi ngongole yokhayokha. Pulogalamu ya Experian imapereka mpikisano wanu, yomwe imasinthidwa masiku 30, kuphatikizapo zambiri zokhudza ntchito ya akaunti ya khadi la ngongole, ngongole yapadera komanso momwe khadi lanu la ngongole likukhudzidwira.
05 ya 05
Ndalama Zokongola
Masanema: Android ndi iOS
Zowonjezereka: Mapulogalamu a Credit Sesame amapereka kwaulere phindu lanu la ngongole pogwiritsa ntchito VantageScore chitsanzo kuchokera ku TransUnion. Mudzalandila khadi la ndondomeko ya ngongole, ndi ma kalata omwe munapatsidwa monga zinthu monga mbiri ya malipiro, kugwiritsa ntchito ngongole komanso zaka za ngongole. Mudzapeza zokhudzidwa ndi kusintha kwa akaunti. Chimodzi mwa zinthu zosiyana kwambiri ndi Mphamvu Yanga Yokubwezera, yomwe imapanga ngongole yochuluka yomwe mungathe kukwaniritsira malingana ndi zomwe mukupeza panopa komanso nkhani yanu. Chida ichi chimalimbikitsanso makadi a ngongole, mitengo ya ngongole ndi zosankha zoyenera.