Isikolo sakho sekhadi lesikweletu singenye yezinto ezibaluleke kakhulu uma ufisa ukwenza noma yikuphi ukuthengiselana ngesisekelo sesikweletu. Amaphuzu esikweletu amele ikhono lakho lokubuyisela imali oyibolekile kubabolekisi futhi kwakha ukuthembela kwabo kuwe.
Yinombolo enezinhlamvu ezintathu efingqa umlando wekhadi lakho lesikweletu nokuthi uzikhokhe kahle kangakanani ngokuhamba kwesikhathi. Lapho amaphuzu aphezulu, kuba ngcono!
Ezinye izikhungo zezezimali nazo zithembele kumphumela wekhadi lakho lesikweletu kanye nomlando ukuze zinqume ukuthi kufanele yini zikuboleke imali, isikhathi esingakanani, futhi ngaliphi izinga. Umuntu kufanele ngaso sonke isikhathi agcine amaphuzu esikweletu angaphezu kuka-670 ukuze abonise ukufaneleka kwakhe kwekhredithi njengokuqinile.
Noma yimaphi amaphuzu esikweletu angaphezu kuka-800 athathwa njengamahle kakhulu futhi kufanele abe umgomo wabasebenzisi abaningi bamakhadi esikweletu.
Ngakho-ke, kubalulekile ukuthi uhlale ubheka amaphuzu akho esikweletu njalo, yingakho sikulethela uhlu lwezinhlelo zokusebenza eziyisishiyagalombili ezihamba phambili ezikuvumela ukuthi uhlole isikolo sakho mahhala.
1. I-Fit.Credit
I-Fit.Credit kuwuhlelo lwamahhala olukukhombisa amaphuzu akho esikweletu, ukulinganisa impilo yakho yonke yezezimali. Idala umbiko wakho wesikweletu phakathi kwamasekhondi angu-30 futhi ikunikeze isifinyezo sokufaneleka kwakho ikhredithi.
Okufanele ukwenze ukufaka inombolo yakho yeselula, sebenzisa i-OTP ethunyelwe kuwe ukuze ungene ngemvume, ufake imininingwane yakho ye-PAN, bese ulinda imizuzwana engu-30.
Umkhiqizo ukunika ukufinyelela hhayi kuphela kuzikolo zezikweletu nemibiko, kodwa nezinye izinto ezahlukahlukene. Ikunikeza isitoreji esingenamkhawulo samadokhumenti akho ezezimali futhi ikunikeza amathiphu aqondene nawe masonto onke okuthi ungawathuthukisa kanjani amaphuzu akho esikweletu.
Akugcini lapho, i-Fit.Credit ikunika ngisho nezikhumbuzi zezinkokhelo zakho ezizayo, ukuze ungaphuthelwa nesisodwa sazo!
Izici eziphezulu ze-Fit.Credit -
- Khiqiza imibiko ngemizuzwana
- Isekela wonke amakhadi esikweletu
- Inikeza ibhulogi ekutshela ukuthi ungagcina kanjani amaphuzu amahle esikweletu.
- Ithuthukisa ulwazi lwakho lwezezimali
- Isetha izikhumbuzi zokukhokha ezizenzakalelayo
- Inikeza imininingwane ekhethekile
2. I-Paytm
Wonke umuntu uyazi I-Paytm nokuthi yenzani. Ingolunye lwezinhlelo zokusebenza eziphezulu zokukhokha e-India ezikusiza ukuthi ushaje, ukhokhe, futhi wamukele imali ngemizuzwana. Akugcini lapho, kodwa futhi ikuvumela ukuthi uthenge izinto, ubhukhe izindiza, namathikithi emuvi, utshale imali esitokweni, uvule i-akhawunti yokonga, nokunye okuningi.
Kodwa esinye sezici eziwusizo kakhulu ze-Paytm ukuthi ikuvumela ukuthi uhlole isikolo sakho sesikweletu mahhala.
Ukuze uhlole isikolo sakho sekhadi lesikweletu nge-Paytm, okumele ukwenze ukuskena ikhodi ye-QR ohlelweni lokusebenza lwe-Paytm bese ulinda imizuzwana embalwa. Ungakwazi ngisho nokufaka isicelo semalimboleko noma amakhadi esikweletu ngaphakathi kohlelo lokusebenza ngokwalo.
Ikuvumela ukuthi ugade isikolo sakho njalo futhi ubuyekeze izikolo ngesikhathi. Nge-Paytm, uthola imibiko yamahhala engu-12 njalo ngonyaka, okusho umbiko wenyanga ngayinye.
Izici eziphezulu ze-Paytm -
- Ilandelela ama-akhawunti akho nezikweletu ngokuhlaziya okuningiliziwe
- Kukusiza ukuthi uthuthukise isikolo sakho sekhadi lesikweletu
- Ivikela imininingwane yakho yomuntu siqu
- Ikunikeza ukunikezwa kwemali mboleko yomuntu siqu kanye nekhethekile
- Ikufundisa konke mayelana nesikolo sakho se-CIBIL
- Inikeza amathiphu namasu okuthuthukisa isikolo sakho
3. I-CRED
I-CRED iyisicelo samahhala esikuthumela imivuzo yokukhokha izikweletu zekhadi lakho lesikweletu ngesikhathi. Imiklomelo, ebizwa nangokuthi izinhlamvu zemali ze-CRED, ingasetshenziselwa ukuzuza ukufinyelela okukhethekile emikhiqizweni ehlukahlukene kanye nolwazi.
Hhayi lokho kuphela, kodwa nge-CRED, ungabheka futhi isikolo sakho sekhadi lesikweletu mahhala ngaso leso sikhathi. Okufanele ukwenze nje ukuthumela imininingwane yakho, futhi ohlola isikolo sakho se-CRED sizobala amaphuzu akho esikweletu bese sikuthumelela wona.
Iphinde ikubekele izikhumbuzi ukuze wenze zonke izinkokhelo zakho ngesikhathi futhi ungaphuthelwa usuku. Ixazulula zonke izinkokhelo zakho ngokushesha ukuze ungalindi ukuthi izinkokhelo zakho ziphumelele.
Ekugcineni, ukuhlaziya isitatimende nakho kuthunyelwa kuwena okufingqa konke mayelana nezinkokhelo zakho ukuze kukusize ube nombono ocacile wokuthi imali yakho iya kuphi.
Izici eziphezulu ze-CRED -
- Kukwenza ufunde ngokwezezimali ngamathiphu namasu ukuze ugcine amaphuzu amahle esikweletu.
- Ikunikeza ukulawula okuphelele ekhadini lakho lesikweletu
- Ivikela imininingwane yakho yezezimali
- Ihlinzeka ngokuhlaziywa okusekelwe esigabeni kokusetshenziswa kwemali kwakho
- Ithola zonke izindleko ezifihliwe, uma zikhona
- Ilandelela umkhawulo wesikweletu ngesikhathi sangempela
- Ikunikeza imiklomelo ekhethekile kanye nembuyiselo uma ukhokha ngesikweletu ngesikhathi
4. INDmali
INDmoney iwuhlelo lokusebenza lwemali olukhulu olulandelela futhi lutshale imali yakho ku-zero ikhomishini. Iphinde iphathe imali yakho kuzo zonke izikweletu, izintela, ukutshalwa kwezimali, kanye nezindleko, konke ngaphansi kophahla olulodwa.
Futhi inesihloli samahhala sesikolodo esibuyekeza isikolo sakho sesikweletu njalo ngenyanga. Okufanele ukwenze nje ukusho imininingwane yakho efana nolwazi lwakho lomuntu siqu, inombolo yokuxhumana yekhadi le-PAN bese ulinda imizuzu embalwa kuze kube yilapho umbiko wakho ukhiqizwa ngaphandle kwenkokhiso.
Uhlelo lokusebenza futhi likuvumela ukuthi ube nemali ekhokhwayo yokudlulisa i-zero fund ye-akhawunti yakho yesitoko yase-US, ihlinzeka ngenani lenzalo yediphozithi egxilile engu-6.5%, futhi ikusiza ukuthi uhlele futhi ukhulise inani lakho lenzuzo yesikhathi esizayo. Nge-INDmoney, ungathola ukufinyelela kumphumela wesikweletu we-CIBIL, isikolo sesikweletu se-Equifax, isikolo sesikweletu se-Experian, kanye nesikolo sesikweletu se-CRIF Highmark.
Izici eziphezulu ze-INDmoney -
- Kukusiza ukuthi uphathe izimali kuwo wonke amalungu omndeni
- Ilandelela utshalomali lwakho nezikweletu
- Ikuvumela ukuthi utshale ezitokweni zase-US nama-Etfs
- Inkundla futhi ikusiza ukuthi wonge imali emalimboleko ekhona
- Ikunikeza iseluleko esiqondene nawe
- I-INDmoney iyakuthola ukubolekwa imali oyitshalile
5. I-Credit Karma
I-Credit Karma iyinkundla yamahhala ekuvumela ukuthi uhlole amaphuzu akho esikweletu futhi uhlele imigomo yakho yezezimali ngempumelelo. Inkundla ikufundisa ngamakhadi, imalimboleko, ukonga, ama-akhawunti, izikweletu, nezihloko ezihlobene.
Iphinde inikeze imbuyiselo yemali esheshayo ye-Karma kukho konke okuthengiwe ngedebithi ngesici sayo sesikweletu se-Karma Money. Imephu yomgwaqo yokusiza ingesinye isici esikuxhumanisa nokwesekwa kweziphathimandla okudingayo, kanye nezinketho zomuntu siqu zokukhulula isikweletu.
I-Credit Karma iqapha isikweletu sakho futhi ikuthumelele izexwayiso ezidingekayo kanye nemibiko ebalulekile. Iphinde ikunikeze nemininingwane ekusiza ukuthi ufunde ukuthi yini ethinta izikolo zakho zesikweletu nokuthi ungenza kanjani kangcono. Okokugcina, ikuthumela izincomo zomuntu siqu ekuthuthukiseni isikolo sakho sekhredithi.
Izici eziphezulu ze-Credit Karma -
- Ihlinzeka ngemininingwane yokuhlela ngama-athikili namabhulogi
- Ithuthukisa futhi ithuthukise izinjongo zakho zezezimali nokuhlela
- Ivikela idatha yakho
- Ukubethela okungu-128-bit nangaphezulu ukuze kuvikelwe idatha
- Ikunikeza ulwazi mayelana namakhadi esikweletu ahlukahlukene
- Yakha amaphuzu akho esikweletu ngokushesha
6. IsikweletuWise
IsikweletuWise iyinkundla yamahhala ekuvumela ukuthi uhlole isikolo sakho sekhadi lesikweletu ngemizuzu. Iphinde ikusize ngesevisi yokuqapha ekusiza ukuthi ugcine isikolo sakho sisemandleni akho onke.
Inkundla inikezela ngokuqapha kwesikweletu usuku lonke futhi ikwazisa ngezinguquko, uma zikhona. Ungathola lezi zikolo nemibiko njalo ngenyanga futhi ulandelele isikolo sakho futhi wenze okuncane kwakho ekusithuthukiseni.
Inkundla iphinde ikunikeze ngezinto ezithinta isikolo sakho ngesendlalelo sokuvikela esingu-256-bit. Uhlelo lokusebenza luyatholakala kubo bobabili abasebenzisi be-Apple ne-Android.
Izici eziphezulu ze-CreditWise-
- Kukusiza ukuthi uqonde isikolo sakho sesikweletu ngokujulile
- Ihambisana nazo zonke izinguquko esikoleni sakho
- Ikuthumelela izexwayiso ze-imeyili mayelana nombiko wakho wesikweletu, i-akhawunti yobugebengu, nokuningi
- Iqapha imininingwane yakho yekhredithi
- Ilandelela i-SSN yakho
- Iskena iwebhu emnyama ukuze uvikele ulwazi lwakho ku-inthanethi
7. Isikweletu.com
Isikweletu.com uhlelo lokusebenza lwamahhala olukusiza ukuthi ukhiqize amaphuzu akho esikweletu futhi uthole isikweletu esengeziwe ngaphandle kwezindleko ezengeziwe. Ikunikeza ububanzi obuhlukahlukene bezikolo ezingama-28 eziqinisekiswe yi-FICO kanye nemibiko evela kuwo wonke ama-credit bureaus amathathu aphezulu.
Lawa mahhovisi ahlanganisa i-Equifax, i-Experian, ne-TransUnion. Yonke imibiko ene-Credit.com yenziwa nyanga zonke.
Ungakwazi futhi ukwengeza imigqa yezohwebo embikweni wakho wesikweletu futhi ubike zonke izinsiza zakho futhi uqashe kanye ne-Credit.com. Inkundla ikunikeza ukuvikelwa kwe-ID, imiklomelo efika ku-$2500, kanye nesaphulelo sokulungisa isikweletu esingafika ku-$24.99 ngenyanga. Lezi zici zihlukile futhi azinikezwa iningi lezinkundla zamaphuzu esikweletu ezitholakalayo!
Izici eziphezulu ze-Credit.com–
- Izexwayiso zewebhu emnyama
- 24/7 ukuqapha kobunikazi
- Cishe u-$1 million womshwalense ngokumelene nokwebiwa kwama-ID
- Ukulandelela amaphuzu wesikweletu okulula
- Izaphulelo zokulungisa izikweletu
- Ukubika nokuqashisa ngezinsiza
8. Isikweletu Sesame
Isikweletu Sesame enye inkundla yamahhala ekunikeza ngezikolo zakho zamahhala zezikweletu nezindlela eziningi zokuzithuthukisa. Akukhona lokho kuphela, inkundla ikunikeza nemivuzo yemali lapho uphumelela ekuthuthukiseni isikolo sakho sesikweletu.
Ungathola ikhadi lakho lombiko wesikweletu lamahhala kanye nezixwayiso zokuqapha isikweletu nge-Credit Sesame phakathi nemizuzu futhi uhlaziye indlela oyisebenzisa ngayo isikweletu.
Baze bakutholele imikhiqizo yekhredithi ikakhulukazi futhi babonise ukuthi imikhiqizo ingakusiza kanjani ukufeza izinhloso zakho zekhredithi. I-akhawunti yakho konke ku-one ekusiza kakhulu ukuthi ukhulise isikolo sakho sesikweletu esimaphakathi kakhulu.
Izici eziphezulu ze-Credit Sesame -
- Inikeza umphathi wekhredithi yomuntu siqu
- Inikeza izinsiza zokuthuthukisa ulwazi lwakho lwezezimali
- Bhalisa kalula futhi ngokushesha
- Inikeza ukuvikelwa kobunikazi bamahhala, ukuqapha isikweletu, amaphuzu, nekhadi lombiko
- Ikunikeza amaqhinga namathiphu okuthi ungasithuthukisa kanjani isikolo sakho sesikweletu
- Inikeza imiklomelo yemali yokuthuthukisa amaphuzu esikweletu
Isiphetho
Isikolo sekhadi lesikweletu sibaluleke kakhulu uma ufuna ukugcina ukufaneleka kwakho kwesikweletu emakethe ukuze uthathe imali mboleko lapho kudingeka.
Uma isikolo sakho siphezulu, idumela elingcono onalo phambi kwababolekisi. Yingakho kubaluleke kakhulu ukuthi uhlale uhlola isikolo sakho sekhadi lesikweletu futhi ubike ukuze uqonde ukuthi ungathuthukisa kuphi.
Lezi zinkundla zinikeza izixazululo eziningi kakhulu zokuthi ungasebenza kanjani njalo ekuthuthukiseni izikolo zakho, futhi ingxenye engcono kakhulu ngakho ukuthi kumahhala ngokuphelele.
Yuthola lonke ulwazi nemfundo oyidingayo ngokuchofoza okumbalwa ngaphandle kokukhokha noma yini njengembuyiselo. Ukuze uthole imiphumela engcono kakhulu, qala ukuqapha isikolo sakho sesikweletu namuhla futhi uthathe leyo nombolo enezinombolo ezintathu uye phezulu!
shiya impendulo