Hlalani phezulu kwimpilo yakho yezemali kunye nokulandwa kweziphathekayo
Wonke umntu unokufumana amanqaku okuthenga ngetyala, kodwa into onokungazi ukuba unokuzikhupha ii- apps eziphathekayo kwifowuni yakho (i- Android okanye iOS ) ukubeka esweni le miqaku, yenza izilungiso kwaye uqaphele xa kwenzeka into ethile kwingxelo yakho - nangona uhamba.
Iingxelo zeBhanki
Kukho ubuninzi bezinto eziphathekayo apho ukuze ufunde okungakumbi malunga nokokuya ekubaleni amanqaku okuthenga ngetyala kunye nokuba yeyiphi iindidi ezahlukileyo kuthetha, kodwa nakhu ukujonga ngokukhawuleza:
- Amanqaku okuthenga ngetyala anikezela "ukuboleka ngetyala" kubabolekisi abanokuba ngababoleki, njengabhanki kunye nababolekisi bemali mboleko, njengoko amanqaku akho ekhredithi abonisa indlela ojongene ngayo ukuba uhlawule imali yakho.
- Inombolo ephakamileyo ilungile; iya kuwa phakathi kwe-300 ukuya ku-850.
- Amanqaku aqhelekileyo asetyenziswayo ngamanqaku e-FICO, kodwa kuneminye imizekelo, njengeVantageScore. Jonga eli nqaku kwiDevelop.org ukuze uthole ulwazi oluninzi malunga nala manqaku ahlukeneyo.
Ukujongana neMbono yokuba ukuhlola iNgxowa-mali kuphazamisa amanqaku akho
Makhe sidibanise ngokukhawuleza inkolelo enokuthi ihlolwe ngamanqaku akho okwekhredithi ngeenkonzo ezinjengeKharma Karma (okanye nayiphi na enye i-apps ekhankanywe ngezantsi) iya kuba nefuthe elibi kumanqaku akho. Inyani kukuba ukujonga amanqaku okuthenga ngetyala ngamatyala ngokuqhelekileyo kuthathwa ngokuba "uphenyo oluthambileyo," oku kuthetha ukuba alufuni "ukukhutshwa kanzima" kwingxelo yakho yekhredithi.
"Ukutsalana okunzima" (okanye "imibuzo enzima") ngokuqhelekileyo xa kwenzeka isicelo sekhadi lesikweletu, xa ufaka isicelo sembolekiso okanye xa ufaka isicelo sokuboleka imali, ngelixa "ithambile" itholakala xa uhlola amanqaku akho, xa umqeshi onokuthi unokhenkethi yangasemva okanye xa uvunyiwe ngaphambili kwikhadi lekhredithi okanye mboleko.
Eli nqaku elivela kwi-Credit Karma lenza umsebenzi ocacileyo wokuchazela umahluko phakathi kweentlobo zeengxelo zemboleko. Kukho nawuphi na, kufuneka uqiniseke ukuba ukusebenzisa nayiphi na iiprogram ezingezantsi aziyi kubachaphazela kakubi amanqaku akho.
01 ngo 05
IKharma yeKrenda
Iiplathi: i- Android ne-iOS
Umxholo: I- Karma yeMboleko mhlawumbi iyona inkonzo eyaziwayo kakhulu yokufumana iingxelo zemali zekhredithi zamahhala ezivela kwi-Equax et TransUnion yamaziko eentengo zemboleko (i-Experian yile enye i-bureau enkulu). Iprogram yayo ye-Android kunye ne-iOS inikezela izibhengezo malunga nayiphi na inguqu ebalulekileyo kwingxelo yakho yekhredithi, kwaye ukuba ubona naziphi na iimpazamo, unokwenza impikiswano ngokuthe ngqo kwi-app ye-Credit Karma. Ungakwazi kwakhona ukujonga ngokubanzi indlela yokujonga ngayo umvuzo wakho wekredithi kwaye ukhangele zonke ii-akhawunti ezichazwe kwaye zifakwe kumanqaku akho.
02 we 05
CreditWise
Iiplathi: i- Android ne-iOS
Ubume benkcazo: Lolu hlelo lokusebenza oluvela kwi-Capital One lufumaneka kuwo wonke umntu, kungekhona nje abathengi bebhanki. Kuyinto yokukhuphela mahala eyenza ukuhlaziywa ngeveki kwi-TransUnion VantageScore 3.0 (ngokuchasene ne-FICO) yamanqaku ekhredithi, kwaye ibandakanya ezinye izinto ezithandekayo ezifana nesimulator yekhredithi ebonisa ukuba izenzo ezinjengokuhlawula ityala zingathintela amanqaku akho. Uzakufumana iziphakamiso ezenziwe ngabomntu zokuphucula amanqaku akho, kunye nezilwanyana eziqhelekileyo zoshishino malunga naluphi na utshintsho olubalulekileyo.
03 we 05
myFICO
Iiplathi: i- Android ne-iOS
Ubume bemivuzo: Iziphumo ze-FICO zezikolo eziqhelekileyo ezisetyenziselwa ukucacisa ukuthenga ngetyala lakho, ngoko kuya kubalulekile ukuba ube nombono wendawo oma kuyo. Ukuba unayo i-myFICO yokubhaliselwa ukubeka esweni umgca wakho kunye nokufumana iingxelo (ukuqala kwi-$ 29.95 ngenyanga), le app ye-companion app ifanele ibe nayo. Ibonisa wena amanqaku akho okwangoku e-FICO kuwo onke amaziko eentengo zemboleko zeentengo zemboleko kunye kwaye ibonisa indlela abaye bahamba ngayo ngokuhamba kwexesha. Insiza inika izaziso ezichazayo xa kukho utshintsho olubalulekileyo kwingxelo yakho, njengemibuzo emitsha okanye ukwanda / ukuncipha kumanqaku akho.
04 we 05
Experian
Iiplathi: i- Android ne-iOS
Ubume bembonakalo: Njengenye yezona zikhulu zentengo zemali-mboleko ezibonelela ngeengxelo zemali-mboleko, i-Experian ibonisa ukuba i-app score yayo yesikweletu. Uhlelo lokusebenza lwe-Experian lunikeza amanqaku akho, oluhlaziywa rhoqo iintsuku ezingama-30, ngaphezu kweenkcukacha malunga nomsebenzi weakhawunti yamakhadi ekhredithi, ityala elivelele kunye nendlela okusebenza ngayo ikhadi lakho lesikweletu lichaphazela amanqaku akho.
05 we 05
Credit Sesame
Iiplathi: i- Android ne-iOS
Uhlolo-nkcukacha: Insiza yeStame yeStame inikeza ukukhangela kwamahhala kwinqanaba lakho lesikweletu usebenzisa iVantageScore imodeli esuka kwi-TransUnion. Ufumana kwakhona ikhadi lokunika ingxelo ngekhredithi, ngamabhalana amabhalana anikezelwe izinto ezifana nomlando wokuhlawula, ukusetyenziswa kweebrari kunye nobudala besikweletu. Uzakufumana iindleko ezilindelekileyo zokutshintsha i-akhawunti ngokunjalo. Enye yezinto ezibalaseleyo ngakumbi yiMandla AMboleko, owenza iiprojekthi ezinjani ukuba ungakwazi ukufikelela kwiziko lakho langoku. Esi sixhobo sincoma kwakhona amakhadi-mboleko, ii-mortgage rates kunye neendlela zokulungisa.