Lolu hlelo lokusebenza lwamahhala lokuhlola nokubika ngamaphuzu esikweletu lusiza ukuthi ulinganisele amaphuzu akho esikweletu, uqonde umbiko wakho wesikweletu, futhi uthole ukuthi ungathuthukisa kanjani isilinganiso sakho sesikweletu ngesiqondiso esihlakaniphile.
★ Kuyini i-Credit Score?
I-credit score iyisilinganiso sezinombolo esibonisa ukuthembeka kwakho kwezezimali. Amabhange nababolekisi basebenzisa amaphuzu akho esikweletu ukuhlola ukuvunyelwa kwemali mboleko, amazinga enzalo, ukufaneleka kwekhadi lesikweletu, kanye namathuba okuvunyelwa kwe-mortgage. I-credit score ephezulu yandisa amathuba akho okuvunyelwa ukuthola isikweletu esinezinga lenzalo eliphansi.
★ Kuyini i-Credit Report?
Umbiko wesikweletu uyinto ebalulekile kulezi zinsuku ngoba nje kunengozi enkulu ehilelekile ekubolekeni imali, futhi amabhange ayaqaphela kakhulu ngawo. Ngaphambi kokuboleka imali ibhange kudingeka liqinisekise ukuthi awunazo izikweletu ezingakhokhelwa noma izikweletu ezimbi. Ngakho-ke ngenxa yaleso sizathu bahlola amazinga akho esikweletu.
★ Kungani kubalulekile kimi ukwazi i-Credit Score yami?
Ukwazi amaphuzu akho esikweletu kukwenza ukwazi ukwenza izinqumo ezingcono zesikweletu. Cishe zonke izikhungo zokuboleka imali zihlola amaphuzu akho esikweletu ngaphambi kokuvuma isicelo sakho sesikweletu. Ukuba nesikweletu esibi kwandisa amathuba okuthi isicelo sakho semali mboleko senqatshwe kanti isikolo esihle sesikweletu kuthuthukisa amathuba akho okuxoxisana ngenzalo ephansi.
★ Izinhlelo zesikweletu ezisekelwayo:
I-FICO, i-Experian, i-Schufa, i-CIBIL, i-Serasa, i-Equifax nezinye eziningi.
Kubuyekezwe ngo-
Mas 7, 2026