Mokhoa oa ho hlahloba mokitlane oa ka mahala. O ka sheba lintlha tsa mokoloto oa hau mahala ka nako e ka tlase ho metsotso e 'meli. U na le tokelo ea ho kopi ea mahala ea tlaleho ea mokoloto oa hau likhoeli tse ling le tse ling tse 12 ho tsoa ho e 'ngoe le e' ngoe ea likhamphani tse tharo tse tlalehang mekoloto naheng ka bophara. Odara inthaneteng ho bcongangco.net , Webosaete e lumelletsoe ho fumana litlaleho tsa mokitlane oa mahala , kapa letsetsa 1-877-322-8228 . O tla hloka ho fana ka lebitso la hau, aterese, nomoro ea ts'ireletso ea sechaba, le letsatsi la tsoalo ho netefatsa boitsebahatso ba hau.
Ka lehlohonolo, ho se ho le bonolo ho feta neng kapa neng ho bona lintlha tsa mokoloto oa hau ntle le ho lefella ts'ebeletso. Ho tloha liwebosaeteng tsa lintlha tsa mokoloto o sa lefelloeng ho isa lik'hamphaning tsa likarete tsa mekoloto tse fanang ka liapdeite tsa mahala tsa khoeli le khoeli tsa mokoloto, ho na le libaka tse ngata tsa ho lekola lintlha tsa hau tsa mokoloto matsatsing ana. Taba ha se hore na o ka lekola lintlha tsa mokoloto oa hau joang, empa hore na o ka li hlahloba kae le hore na o ntse o sheba tlhaiso-leseling ea morao-rao. Lintlha tse ling tsa mahala tsa mokitlane li ntlafatsoa khafetsa ho feta tse ling, 'me lits'ebeletso tseo u li fumanang le lintlha tsa mahala le tsona lia fapana.
Mona ke moo o ka lekolang lintlha tsa mokoloto oa hau mahala:
| Mofani oa lintlha tsa mokoloto | theko | Lintlha tse ntlafalitsoeng ... | Tlaleho ea mahala ea mokitlane? | 24/7 ho lekola mokitlane | Tekanyetso ea mosebelisi ea WalletHub |
|---|---|---|---|---|---|
| WalletHub | Mahala | Letsatsi le letsatsi | Ho joalo | Ho joalo | Linaleli tsa 4.8 |
| Mokitlane Sesa Ke | Mahala | Khoeli le khoeli | Che | Ho joalo | Linaleli tsa 3.6 |
| Motse-moholo oa pele | Mahala | Beke le beke | Che | Ho joalo | Linaleli tsa 3.7 |
| Mokitlane Karma | Mahala | Beke le beke | Ho joalo | Ho joalo | Linaleli tsa 4.2 |
| Tseba | Mahala | Khoeli le khoeli | Che | Che | Linaleli tsa 4.0 |
| Joalokaha | Mahala | Khoeli e ngoe le e ngoe ea 3 | Che | Ho joalo | Linaleli tsa 4.3 |
| Phihlelo | $ 24.99 / khoeli | Letsatsi le letsatsi | Ho joalo | Ho joalo | Linaleli tse 2,5 |
| Tekano | $ 19.95 / khoeli | Letsatsi le letsatsi | Ho joalo | Ho joalo | Linaleli tsa 4.0 |
| TransUnion | $ 24.95 | Letsatsi le letsatsi | Ho joalo | Ho joalo | Linaleli tsa 3.0 |
| MyFICO.com | $ 19.95 / khoeli | Khoeli le khoeli | Ho joalo | Ho joalo | Linaleli tsa 4.0 |
Tlhokomeliso: Bafani ba bang ba fanang ka lits'ebeletso tse lefuoang ba fana ka liteko tsa mahala. Bakeng sa ho nolofatsa, ha re kenyelle tlhahisoleseling tafoleng e kaholimo.
Hobaneng ha o lokela ho lekola lintlha tsa mokitlane oa hau
Kamehla ho molemo ho feta melemo ea ho lekola lintlha tsa mokoloto oa hau. Ka bokhutšoanyane, ho hlahloba mokitlane oa hau ho bohlokoa hobane:
- E u fa mohopolo o motle oa boits'oaro ba hau ba lichelete ka ho fana ka lintlha tsa linomoro tsa litaba tsa mokoloto oa hau;
- E o thusa ho fumana likarete tsa mekoloto le litefiso tse ntle ka ho fetisisa mme o fokotsa menyetla ea ho lahloa;
- Ho etsa hore ho be bonolo ho bapisa lihlahisoa tsa lichelete, kaha boholo ba litefiso bo thathamisa boemo bo tlase ba mokitlane (mohlala, Khabane, Botle, Bobe) bo hlokahalang ho tšoaneleha; le
- E u joetsa hore na u ka sheba litlaleho tsa mokitlane oa hau haufi-ufi. Lintlha tse tlase haholo ho feta kamoo u neng u ka lebella ke folakha e khubelu e totobetseng, mohlomong e bontšang bomenemene bo ka bang teng.
- Ha e na tšusumetso ho lintlha tsa mokoloto oa hau. Ho lekola lintlha tsa mokoloto oa hau ho etsa hore ho botsoe lipotso tse boreleli, tse sa ameng lintlha tsa mokoloto oa hau, kahoo o ka ('me o lokela) ho lekola lintlha tsa hau khafetsa kamoo o ratang.
Kamora nako, ho bohlokoa ho hopola hore hoo e batlang e le motho e mong le e mong o na le sebaka sa ho ntlafatsa lintlha tsa hae tsa mokoloto. Mme lintlha tse betere tsa mokoloto li ka ba lidolara tse likete ka selemo. Hape, ho hlokomela lintlha tsa hau ha ho hloke ho u jella sente kapa nako e ngata. Kahoo, sheba malebela a rona a ho ntlafatsa mokitlane ho qala. Haeba u batla likeletso tse lumellanang le boemo ba hau, ingolisa akhaonto ea mahala ea WalletHub ho itlhahloba ka mokoloto oa hau. Ke lona lebaka le leng feela leo u lokelang ho lekola lintlha tsa mokoloto oa hau ho WalletHub.
U lokela ho hlahloba lintlha life tsa mokitlane?
Batho ba bangata ha ba e tsebe, empa e mong le e mong oa rona o na le lintlha tse ngata tse fapaneng tsa mokoloto - tse fetang 1,000, ka likhakanyo tse ling. Empa 'nete ke hore, ha ho na taba hore na o hlahloba efe, ha feela e le mahala ebile e tsoa mohloling o tšepahalang.
Ho na le mabaka a 'maloa a bohlokoa a sena:
- Liphetho tse tšoanang : Bureau ea Ts'ireletso ea Lichelete ea Bareki e fumane Khokahano ea 90% ho tsoa mefuteng e khethiloeng ea mekoloto e mengata. Kahoo haeba u fumana lintlha tsa mokoloto ho tsoa ho bafani ba fapaneng ba fapaneng, lipalo li kanna tsa ba li le haufi haholo, haeba li sa ts'oane. Ntle le phapang lipakeng tsa mehlala ea lintlha, lintlha tsa mokoloto li ka fapana hobane ha se barekisi bohle ba itlalehang ho liofisi tse tharo tse kholo tsa mekoloto.
- Ho thata ho fumana lintlha tse nepahetseng ho tsoa ho kalimo - Hangata ha ho khonehe ho bolela esale pele hore na mokoloto o tla sebelisa mofuta ofe oa mekoloto, haholo hobane ba alimang chelete ba iketsetsa mefuta ea mekoloto ea OTC ho fihlela litlhoko tsa bona. Haeba u sa fumane mofuta o khethehileng oa lintlha tseo mokoloto oa hau a tla li khetha ho lekola kopo ea hau, ha ho na lebaka la ho khetha.
O ka ithuta ho eketsehileng ka mefuta e fapaneng ea lintlha le mehlala sengoloeng sa rona sa hore na hobaneng ho se na lintlha tsa mokoloto oa nnete. Bakeng sa seo e leng sa bohlokoa, lintlha tsa mahala tsa mokitlane tsa WalletHub li ipapisitse le mofuta oa VantageScore 3.0. VantageScore 3.0 ke e 'ngoe ea mefuta e tsebahalang haholo ea lintlha tsa mokoloto har'a barekisi,' me ba bang ba e nka e le lintlha tsa mokoloto ho tsepa esale pele fumaneha.
Lintlha tsa mokitlane li bolelang?
Lintlha tsa mokoloto ke palo ea palo ea nalane ea hau ea mokoloto. E na le likarolo tse hlano tse amanang le boima ba 'mele:
- Nalane ea tefo: 35%
- Litefiso tse kolotoang: 30%
- Bolelele ba nalane ea mokoloto: 15%
- Ke mefuta e kae ea mokitlane e sebelisoang: 10%
- Lipotso tsa ak'haonte: 10%
Barekisi ba sebelisa lintlha tsa mokoloto oa hau ho lekola kotsi ea mokoloto oa hau; Ka kakaretso, ho phahamisa lintlha tsa mokoloto oa hau, ho theola monyetla oa kotsi ho mofani oa chelete.
Ho bohlale ho kopa tlaleho ea mokitlane ho e 'ngoe le e' ngoe ea mekhatlo e meraro ea ho tlaleha mekoloto le ho e hlahloba ka hloko, kaha e 'ngoe le e' ngoe e ka ba le tlhaiso-leseling e sa lumellaneng kapa liphoso. Haeba u fumana phoso, kopa foromo ea phehisano ho tsoa lekaleng nakong ea matsatsi a 30 hoba u fumane tlaleho ea hau.
Boikarabello ke senotlolo
Ka holim'a tsohle, ho bohlokoa ho sebelisa mokoloto ka boikarabello. Nalane e ntle ea mokoloto le lintlha tse ntle tsa mokoloto e ka ba phapang lipakeng tsa ho khona ho reka ntlo, ho reka koloi kapa ho lefella koleche. Ho tsamaisa tlaleho ea mokitlane oa hau ka mokhoa o tsoileng matsoho ke mokhoa o motle oa ho lula o laola lichelete tsa hau mme qetellong o fihlelle lipheo tsa hau.
Botsa Litsebi: Malebela a ho hlahloba mokitlane
Ho lekola lintlha tsa mokoloto oa hau ho bonolo ho feta neng kapa neng. Empa batho ba ntse ba sa e etse ho lekana. Hobane'ng? Re ile ra botsa lipotso tse latelang sehlopha sa litsebi tsa lichelete ho fumana le ho fumana malebela a ho boloka chelete ha o ntse o boloka lintlha tsa hau. U ka bona seo ba se buileng ka tlase.
- Ho bonolo hakae bakeng sa batho ho lekola lintlha tsa bona tsa mokoloto joale ho feta kamoo e neng e le lilemo tse 5-10 tse fetileng?
- Na ho na le lebaka la ho lefa ho lekola lintlha tsa mokoloto oa hau?
- Melemo ea moreki ke efe?
- Phoso e kholo ka ho fetisisa eo batho ba e etsang ha ba hlahloba lintlha tsa bona tsa mokoloto ke efe?
Tse ka Hare