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Credit Score Sakho Sibalwa Ngoluhlobo

Credit Score Sakho Sibalwa Ngoluhlobo

Source: BusinessTech

Just in case ubunomdla wokuba i-score sakho se credit sibalwa njani and kufuneka sibenjali ukuze kungazokubanzima kuwe xa sowudiga i-credit ethubeni, funda apha ezantsi and uziqhelise nezi scores – uzokuzidinga ngenye imini.

Uzokuzidinga xa u-aplayela izinto ezifana nee loans nee credit cards. And eyona nto ejongwayo ngawe xa u-aplayela ezizinto yi credit report yakho. Kwi credit report yakho kujongwa i-credit score sakho and sona siyakuchaza ukuba uyi risk engakanani na.

Score somntu sibalwa ngokuqala ku 0 uyokutsho ku 999.  If i-score somntu singu 0 it means lomntu uyi high risk. But i-score esiqala ku 614 uyokutsho ku 999 i-risk yaso iyehla.

Score somntu asidibenanga nemali ayipeyayo. But sibalwa ngokujonga indlela awaphatha ngayo amatyala akhe. If amatyala akho uwabhatala ngexesha, uwabhatala kakuhle and imali yakho ayipheleli ematyaleni then i-score sakho siyonyuka. But if awubhatali kakuhle and unamatyala angapha kokuqonda then i-score sakho sibasezantsi.

Kuyafana na xa ungumntu ongenamatyala i-score sakho sibasezantsi. Umntu ongenamatyala uyafana nomntu ongena work experience – ingxaki akana credit experience. As a result akaziwa ukuba uwaphatha kanjani amatyala.

Score Sakho Sibalwa Ngoluhlobo

Poor Credit Score (0 – 486)
if i-score sakho siphakathi ko 0 no 486 then une poor credit score and uyi high risk.

Unfavourable Credit Score (487 – 526)
if i-score sakho siphakathi ko 487 no 526 then i-credit score sakho si unfavourable and uyi high risk.

Below Average Credit Score (527 – 582)
if i-score sakho siphakathi ko 527 no 582 then i-credit score sakho si below average and uyi high risk.

Average Credit Score (583 – 613)
if i-score sakho siphakathi ko 583 no 613 then i-credit score sakho si average and uyi high risk.

Favourable Credit Score (614 – 680)
if i-score sakho siphakathi ko 614 no 680 then i-credit score sakho si favourable but uyi potential high risk.

Good Credit Score (681 – 766)
if i-score sakho siphakathi ko 681 no 766 then une good credit score and uyi medium risk.

Excellent Credit Score (767 – 999)
if i-score sakho siphakathi ko 767 no 999 then une excellent credit score and uyi low risk.

If ufuna ukujonga i-credit score sakho ungaya kwi website yakwa ClearScore, bazokwenzela fast and bazobane bekuthumelela i-score sakho once every month. ClearScore ungamjonga apha: https://www.clearscore.com/za/