Chero nguva apo munhu anonyorera chikwereti chemunhu, chemotokari, kana cheimba kubhangi, NBFC, kana mamwe masangano anokweretesa, mushumo wavo wechikwereti unogadzirwa nevaya vanokweretesa kuti vaone kukodzera kwavo chikwereti uye kukodzera kwavo kuwana chikwereti. Vanopa mazano ezvemari vanogara vachikurudzira kuti zvakanaka kukumbira mushumo wechikwereti chako nguva nenguva, kutarisa CIBIL score nguva dzose, uye kuve nechokwadi chekuti uri munhu akakodzera kukweretesa kunyangwe uchida kunyorera chikwereti chero nguva mune ramangwana.
Heano zvimwe zvezvikonzero nei zvichikosha kuti utarise kiredhiti yako nguva nenguva:
1. Kugadziriswa kwezvikanganiso
Zvikanganiso mumushumo wechikwereti zvinowanzova zvikonzero zvakajairika kuti chikumbiro chechikwereti chirambwe. Kana paine chero zvikanganiso murepoti yako yechikwereti, sezita risina kuperetwa, kukanganisa mukero yakanyoreswa kana nharembozha, kana mubhadharo usiriwo wemhando ipi zvayo, unogona kuzviwana pamberi. Zvino zvinogoneka kusimudza chikumbiro chekugadzirisa kana kubata dhipatimendi ravo rekunyunyuta kwevatengi kuti ichinje.
2. Kuvandudza chikwereti chekwereti
Masangano mazhinji anokweretesa anoongorora mapoinzi eCIBIL, mishumo yechikwereti, nezvimwe zvinhu zvakadaro zvevanonyorera zvikwereti. Usati wanyorera chikwereti, iwewo unogona kungoenda online wokumbira mushumo wako wechikwereti weExperian, semuenzaniso, uye mapoinzi echikwereti pachine nguva. Izvi zvichakubatsira kunzwisisa kuti profile yako yakagadzirira sei kukweretesa uye zvimwe zvingaitwa kuti uwedzere mapoinzi iwayo.
3. Kudzivisa kuba zvitupa
Pakave nemishumo yematambudziko mazhinji ekubiwa kwezvitupa pasi rose apo ruzivo rwemunhu rwunobiwa kuti unyorere chikwereti kana kukwereta chikwereti muzita ravo. Kana iwe ukatarisa zvibodzwa zvako zveCIBIL nguva nenguva uye uchikumbira kakawanda marepoti echikwereti, zvichave nyore kutsvaga zvinyorwa zvekufungira zvakadaro mumushumo wobva wagadziriswa kana kukwidza chichemo.
4. Kutarisa chero marekodhi ekubhadhara akapotsa
Munhu wese anowana mari dzakasiyana-siyana pamwedzi, kusanganisira maEMI echikwereti, mabhiri emakadhi echikwereti, chikwereti chemunhu, line of credit, nezvimwewo. Kazhinji, maEMI nemabhiri emakadhi echikwereti anozivisa anokwereta nezvezvikwereti zvake pachine nguva, zvichimubatsira kubhadhara nenguva. Zvisinei, panogona kuva nenguva yaunorasikirwa nemubhadharo mumwe chete kana miviri, kana kuti ungasave nemari yakakwana yekuita izvozvo. Kubhadhara kwakadaro kunoenderanawo nemushumo wako, semuenzaniso, mushumo wako wechikwereti weExperian , uye kunogona kukanganisa mamakisi ako echikwereti.
Ongororo yenguva yakakodzera yerepoti yako yechikwereti ichakubatsira kuona kuti yakadii paprofile yako yechikwereti, uye unogona zvakare kutarisa chibodzwa chako cheCIBIL kuti uwane kujekeswa.
Mukupedzisa:
Mushumo wechikwereti ipfupiso yenhoroondo yako yekubhadhara chikwereti iyo inobatsira mabhanga nemasangano anokweretesa kuti aone kukodzera kwako kukwereta panguva yekukwereta. Nyatsoteerera mushumo wako wechikwereti nguva nenguva, tarisa CIBIL score yako, uye shanda nesimba kuti uvandudze score yako yese yechikwereti. Chibodzwa chepamusoro uye mushumo wechikwereti wakanaka zvichagara zvichikuchengetedza mumabhuku akanaka evanokweretesa vese.
