Ci gaba a kan lafiyar ku na kudi tare da waɗannan saukewa
Kowane mutum yana da bashi, amma abin da ba za ka sani ba shine cewa zaka iya sauke aikace-aikace kyauta zuwa wayarka ( Android ko iOS ) don saka idanu akan waɗannan ƙananan, yin gyare-gyare da kuma samun faɗakarwa idan wani abu ya faru a rahotonka - ko da yayin da kake tafiya.
Bayanan bashi na bashi
Akwai wadataccen albarkatun daga wurin don ƙarin koyo game da abin da ke shiga lissafin ƙimar ku da abin da lambobi daban-daban ke nufi, amma ga bayyane yake:
- Kushin bashi ya nuna "ƙimar kuɗi" ga masu ba da bashi mai basira, kamar bankunan da masu ba da rancen kuɗi, yayin da kuɗin bashi ya nuna yadda za ku iya zama tare da biya kuɗin ku.
- Lambar mafi girma ta fi kyau; zai fada a tsakanin 300 zuwa 850.
- Mafi yawan bashin da aka fi amfani da shi shine FICO, amma akwai wasu samfurori, irin su VantageScore. Dubi wannan labarin daga Debt.org don ƙarin bayani game da waɗannan nau'o'in.
Yin jawabi da ra'ayi cewa Duba Kariyar Kuɗi Yana Yarda da Ƙarfinku
Bari mu yi magana a taƙaice game da gaskatawa cewa yayinda kayi la'akari da bashin ku ta hanyar sabis kamar Credit Karma (ko wani daga cikin sauran ayyukan da aka ambata a kasa) zai tasiri tasirin ku. Gaskiyar ita ce, bincika kafin bashinka ya zama "bincike mai laushi," ma'ana ba shi da bukatar "raɗaɗi" daga rahoton ku na bashi.
"Hard yana janye" (ko "mai wuya bincike") yakan faru idan ka nemi sabon katin bashi, lokacin da kake neman rance ko kuma lokacin da kake buƙatar jinginar gida, yayin da "laushi yana janye" yawanci yana faruwa yayin da kake duba ƙimar ka, lokacin da mai aiki na aiki yana duba bayanan baya ko kuma lokacin da aka amince da ku don katin bashi ko rance.
Wannan labarin daga Credit Karma ya yi aiki mai kyau don bayyana bambanci tsakanin nau'o'in binciken bashi. A kowane hali, ya kamata ka tabbata cewa yin amfani da duk wani aikace-aikacen da ke ƙasa ba zai tasiri tasirin ku ba.
01 na 05
Credit Karma
Platforms: Android da kuma iOS
Bayani: Karamar Karma shine watakila mafi sanannun sabis na samun ladaran kuɗi na kyauta daga Equifax da kuma Transponion bureaus na bashi (Experien ne sauran babban jami'in). Sa'idodinta don Android da iOS sun bada faɗakarwa ga duk wani canje-canje mai muhimmanci a rahotonka na bashi, kuma idan ka ga wasu kurakurai, zaka iya yin jayayya ta hanyar amfani da Karma. Hakanan zaka iya duba jerin abubuwan da aka tsara na yadda katunan bashinka ya rushe kuma ya dubi duk asusun da ake bayar da rahoton kuma an ambace su a cikin nasara.
02 na 05
CreditWise
Platforms: Android da kuma iOS
Bayani: Wannan samfurin daga Capital One yana samuwa ga kowa da kowa, ba kawai masu sayarwa ba. Yana da saukewa kyauta wanda ke samar da sabuntawa na mako-mako na TransUnion VantageScore 3.0 (kamar yadda ya saba da FICO) bashi bashi, kuma ya haɗa da wasu abubuwa masu ban sha'awa irin su na'urar ƙwaƙwalwar ajiya wanda ya nuna yadda ayyuka kamar biya bashin bashi zai iya rinjayar ka. Za ku kuma sami shawarwari na sirri don inganta ci gaba, tare da masana'idodi na masana'antu don duk wani canji mai muhimmanci.
03 na 05
myFICO
Platforms: Android da kuma iOS
Bayani : Sakamakon FICO sune mafi kyawun ƙimar da aka fi amfani dasu don ƙayyade gaskiyar ku, don haka yana da mahimmanci don samun ra'ayi game da inda kuka tsaya. Idan kana da biyan kuɗi na myFICO don duba idanu naka da samun rahotanni (farawa da $ 29.95 a kowace wata), wannan app din kyauta ne mai dole. Yana nuna maka FICO na yau da kullum akan dukkanin katunan bashi guda uku kuma har ma ya nuna yadda suka canza a cikin lokaci. Aikace-aikacen yana ba da sanarwar ƙaddamarwa idan akwai manyan canje-canje a cikin rahotonka, kamar su sababbin bincike ko kuma karuwa / ragu a cikin nasara.
04 na 05
Kwararre
Platforms: Android da kuma iOS
Bayani: A matsayin daya daga cikin manyan manyan kamfanonin bashi guda uku da ke bayar da rahotanni na bashi, Kwararren mai hankali yana da basira mai amfani da kansa. Kwararrun Experian ya ba da damarka, wanda aka sabunta a cikin kwanaki 30, ban da ƙarin bayanai game da ayyukan asusun katin bashi, bashi bashi kuma game da yadda katunan katin kuɗin rinjayar ku.
05 na 05
Asame Credit
Platforms: Android da kuma iOS
Bayani: Kyautar Sesame ta Kyauta ta samar da kyauta kyauta akan kwarewar ku ta amfani da samfurin VantageScore daga TransUnion. Kuna samun katin jimlar kuɗin bashi, tare da maki na wasiƙun da aka ba don abubuwa kamar tarihin biyan kuɗi, yin amfani da bashi da kuma kuɗin bashi. Za ku sami issoshin da aka sa ran asusu-canje-canje. Ɗaya daga cikin siffofi mafi mahimmanci shine Ƙaƙata na Ƙaƙata, wanda ke aiwatar da kuɗin kuɗin da kuke iya samun dama bisa ga ƙidayarku da bayanin asusunku. Wannan kayan aiki kuma yana bada shawarar katunan bashi, jadawalin kuɗin kuɗi da kuma tsarar kudi.