Zotsatsa
Kodi kutenga ngongole kungakhudze score yanu ya Serasa? Mvetsetsani zonse zokhudza nkhaniyi!
Pamene score yanu ya Serasa ili yayikulu, mumapeza mwayi wabwino kwambiri wa zotsatsa. Chifukwa cha zimenezi, n’zachibadwa kufunsa kuti mfundozo zimakhala bwanji mutatenga ngongole. Kodi zingakhudzidwe?
Score imatsimikizira mbiri ya kasitomala potengera zinthu monga mbiri ya malipiro ndi kufufuza CPF. Zonsezi zingakhudze score yanu moipa.
Pachifukwa chimenechi, n’zofunika kuti musachite zoyerekezera zambiri za ngongole chifukwa cha mfundo yokhudza kufufuza. Ngati mutatenga ntchitoyi, n’zofunika kwambiri kusunga malipiro anu pa nthawi yake.
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Dziwani mmene mungasungire score yanu kukhala yodalirika mutatenga ngongole
Pa ngongole yochotsedwa mwachindunji ku malipiro, dongosololi limachotsa magawo a malipiro pa pepala la malipiro, choncho palibe chiopsezo chokhudzana ndi mbiri ya malipiro. Koma pa ngongole ya munthu payekha, kuchotsako sikumachitika zokha.
Kwa munthu amene ali ndi ngongole ya munthu payekha, n’zachibadwa kuti nthawi zina angaiwale kulipira magawo a ngongole. Zimenezi zingabweretse zotsatira zoipa pa mbiri ya ngongolezomwe zikukhudza score yanu.
Kuti mupewe zochitika ngati zimenezi ndikuwonetsetsa mbiri yabwino yolipira, njira yabwino ndi kuvomereza kuti magawo azilipiridwa zokha kudzera mu pulogalamu ya akaunti yanu ya digito. Mukasankha kulipira zokha, mumalola bungwe lanu lazachuma kutenga magawowo zokha patsiku lolipirira.
Malangizo ena osungira mfundo zanu zili bwino
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Kuphatikiza pa kulipira magawo a ngongole yanu, ndikofunikira kusunga nthawi yolipira ngongole zanu zonse, monga ma invoice a kirediti kadi, ngongole za ntchito za anthu, renti ndi zina zotero.
Kulipira pa nthawi yake ndi chimodzi mwa zinthu zazikulu kwambiri powerengera score yanu. Unikani ndalama zomwe mumagwiritsa ntchito mwezi uliwonse ndipo pezani zinthu zoti mudule kapena muchepetse, monga kulembetsa ntchito zomwe simuzigwiritsa ntchito kwambiri, kugula mwachisawawa kapena zizolowezi zogwiritsa ntchito ndalama mopitirira muyeso.
Pochita zimenezi, mudzakhala ndi ndalama zambiri zopezeka zothana ndi ngongole zanu kapena zosungira. Pangani chizolowezi chosunga gawo la ndalama zanu pafupipafupi mu akaunti yosungira kapena mu ndalama zina zomwe mungazipeze mosavuta.
Kuphatikizanso, n’kofunika kwambiri kusamala kuti musagwiritse ntchito zoposa 20% za ndalama zanu za mwezi kulipira ngongole. Pomaliza, kuyambitsa Cadastro Positivo ya Serasa kungathandizenso pa nkhaniyi.
