Eyona Ezemali Yakho Ezona nkampani ziLungileyo zokuLungisa iMboleko ka-2021

Ezona nkampani ziLungileyo zokuLungisa iMboleko ka-2021

Ukuba ujonge ukuphucula amanqaku akho etyala okanye ukulungisa iimpazamo kwingxelo yakho yamatyala, ukuqesha inkampani elungileyo yokulungisa amatyala ukuphatha inkqubo yakho sisigqibo sobulumko. Ezona nkampani zibalaseleyo zokulungisa amatyala zisebenza egameni lakho kunye namaziko aphambili okuthenga ngetyala ukususa izinto ezimbi ezichaphazela amanqaku akho etyala njengokuhlawuliswa, ukubhatalwa kade, ukuqokelelwa kwamatyala, kunye nokungabinamali.

Ukukunceda ufumane eyona nkonzo yokulungiswa kwamatyala kwiimfuno zakho, siphonononge iinkampani eziphezulu zokulungisa amatyala kwizinto ezinje ngokusebenza, ukuphononongwa kokulungiswa kwetyala, isantya seziphumo, igama lenkampani, kunye nexabiso.

Ukuba ukulungele ukulungisa ityala lakho kwaye ugcine amawaka eedola ngonyaka ngenzala, nazi izinto zethu eziphambili zokukhetha ezona nkampani zilungisa amatyala ka-2021:

Iinkampani ezi-7 eziLungileyo zokuLungisa iMboleko ka-2021

# 1 Ingcwele yamatyala: Eyona nkampani igqibeleleyo

ICredit Saint sesona sikhetha eyona nkampani ilungileyo yokulungisa amatyala ka-2021. ICredit Saint iye yafumana amanqaku aphezulu kwi-A + kwiZiko eliNgcono leShishini ngaphezulu kweminyaka eli-10 kwaye incede amawaka abathengi baphucula amanqaku abo ngetyala.

Ityala elingcwele iqala ngokukunikezela ngokubonisana simahla ukuze uhambe ngaphezulu kwenqaku lakho lekhredithi yeFICO kwaye uchonge izinto ezimbi ezonakalisa ikhredithi yakho. Nje ukuba iindawo ezinengxaki zichongiwe, iCredit Saint iya kuthumela imiceli mngeni kuwo onke amaziko amatyala amathathu egameni lakho ukuzama ukususa ulwazi olungachanekanga kwingxelo yakho yamatyala.

I-Credit Saint inokukunceda ukususa izinto ezingathandabuzekiyo ezinje:

  • Ukuqokelelwa
  • Ukuhlawulwa kade
  • Ukutshatyalaliswa
  • Ukubuyiselwa
  • Unxibelelwano
  • Uqikelelo
  • Izigwebo
  • Imibuzo ngetyala

I-Credit Saint yenye yeenkampani ezinamandla zokulungisa amatyala (into elungileyo) kodwa bayaqonda ukuba ubungakanani obunye abufaneli konke. I-Credit Saint ineepakeji zeenkonzo ezi-3 ezahlukeneyo onokukhetha kuzo, kuxhomekeke kwiimfuno zakho zokulungiswa kwetyala.

Iphakheji yetyala lasePoland kubandakanya imiceli mngeni kwii-bureau ezinkulu zamatyala ezi-3, uhlalutyo lwenqaku lasimahla, umkhondo wokufumana ikhredithi, kunye nemiceli mngeni emi-5 yezinto ezingalunganga kumjikelo ngamnye wempikiswano.

Iphakheji yokuLungiswa kweKhredithi ibandakanya yonke into kwiphakheji yeKhredithi yasePoland kodwa ikwabandakanya ukujoliswa kokubuza, ukubekwa kweliso okuqhubekayo nge-Experian, kunye neengxabano ezili-10 ezingalunganga kumjikelo ngamnye.

Iphakheji yeSlate ecocekileyo lolona khetho lukhohlakeleyo. Ibandakanya yonke into ekule phakheji ingentla, kodwa iza nokuthumela ukuyeka kunye nokuyeka iileta egameni lakho kunye nokucela umngeni kwinani elingenamkhawulo lezinto ezingachanekanga kwingxelo yakho.

Ngokubanzi, i-Credit Saint inikezela ngeyona nto ibalaseleyo yebhanti yakho kuzo zonke iiarhente zokulungisa amatyala esiwajongileyo. Inqanaba labo le-A + kwiZiko eliNgcono leShishini lelona lihle kwishishini lokulungisa ityala kwaye bakwabonelela ngesiqinisekiso sokubuyiselwa imali seentsuku ezingama-90 ngeenkonzo zabo. Ukuba ufuna ukubonisana ngekhredithi yasimahla ukubona ukuba banokukunceda na, ungathetha nenye yeepredit prints zabo mahala ngaphandle kwesibophelelo.

  • Ukubonisana Simahla ngetyala
  • Ixabiso + leShishini eliNgcono leShishini kangangeminyaka eli-10
  • I-Dashboard ekwi-Intanethi yokujonga inkqubela phambili kwiXesha leXesha
  • Iinkonzo ezi-3 ezahlukeneyo zokuLungisa iMboleko onokukhetha kuzo
  • Isiqinisekiso sokuBuya kweMali seentsuku ezingama-90

Cofa apha ukuze undwendwele iwebhusayithi eyiNtengo yeNtengo ngeNgcaciso

# 2 Umthetho waseLexington: Uninzi lweNgcali yamaLungelo okuLungisa iMboleko

I-Lexington Law yeyona nkampani inamava yokulungisa amatyala e-United States enezinto ezingaphezulu kwe-10,000,000 ezingalunganga ezisuswe kwiingxelo zabathengi babo ngetyala nje ngo-2017 kuphela.

Umthetho weLexington yinkampani eneqela lezomthetho kunye namagqwetha asebenzisa imithetho ethile ukukhusela ikhredithi yakho kwiimeko ezingaphaya kolawulo lwakho. Inkampani elungisa amatyala inokukunceda ukuba amanqaku akho etyala achaphazeleke:

  • Ubusela besazisi
  • Uqhawulo-mtshato
  • Inkonzo yezelizwe
  • Ityala labafundi
  • Amatyala oNyango

Umthetho weLexington kuqala usebenza ngokufumana ikopi yeengxelo zakho zetyala uze uzihlalutye ngezinto ezingalunganga ezonakalisa amanqaku akho. Ifemu yabo yezomthetho iya kuthi emva koko ithumele iimbambano egameni lakho ukuba icele umngeni kwizinto ezingachanekanga. Baza kukubonelela ngedeshibhodi ekwi-intanethi, ke uya kuba nakho ukufikelela kwinkqubela phambili yakho kuwo onke amanqanaba endlela kunye nezisombululo ezinokukunceda ulungise ikhredithi yakho ngokukhawuleza.

Umthetho waseLexington ubonelela ngeendlela ezintathu zokulungiswa kwetyala onokukhetha kuzo, kuxhomekeke kwiimfuno zakho. Amaxabiso aqala kwi $ 89.95 ukuya kwi- $ 129.95.

Umgangatho weConcord Inkonzo iphakheji yazo esisiseko ngamaxabiso aqala kwi- $ 89.95 ngenyanga. Oku kubandakanya umceli mngeni wezinto ezinobungozi kumaziko amathathu etyala kunye nababolekisi bakho.

Inkulumbuso yeConcord Iphakheji ibandakanya yonke into kwinkonzo esemgangathweni kunye nohlalutyo lwamanqaku, izilumkiso zeTransUnion, kunye nokususa imibuzo enzima. Olu khetho lubiza i- $ 109.95 ngenyanga kwaye yinkonzo yabo ephakathi.

INkulumbusoPlus Ngowona uphambili wenkonzo yokulungiswa kwetyala elibandakanya yonke into kwezi phakheji zilapha ngasentla kunye nokuyeka kunye nokuyeka iileta, umkhondo wamanqaku eFICO, ukhuselo lobusela besazisi, kunye neseti yezixhobo zakho zezemali Le yeyona phakheji yabo inamandla ngexabiso lama- $ 129.95 ngenyanga.

Ngokubanzi, uLexington Law yenye yearhente ezinamava zokulungisa amatyala oza kuzifumana. Ziyabiza kancinci kunezinye iinkampani zokulungisa amatyala, kodwa umgangatho wazo womsebenzi awunakuthelekiswa nanto.

  • Fumana Uncedo ngeNtlawulo efika emva kwexesha, iiNtlawulo ezikhutshelweyo, Ukuqokelelwa, ukuBhengezwa, kunye nokunye
  • Inqanaba # 1 Inkampani yokulungisa iMboleko kwiiNdawo ezininzi zoPhononongo eziZimeleyo
  • Ukususwa okungaphezulu kwezigidi ezingama-56 ukusukela ngo-2004
  • Ngaphezulu kwama-500,000 abaXhasi abaSebenzayo

Cofa apha ukuze undwendwele iwebhusayithi yeLexington yoMthetho ngolwazi oluthe kratya

# 3 I-Sky Blue Credit: Inkampani ephezulu yokuLungiswa kweTyala ngexabiso eliphantsi

I-Sky Blue Credit yeyona nkampani ilungileyo yokulungisa amatyala ukuba ujonga amaxabiso aselubala kunye nexabiso elifanelekileyo. Endaweni yokubonelela ngeendlela ezininzi zokulungiswa kwetyala kunye namanqanaba enkonzo onokukhetha kuwo (anokuba nzima), iSky Blue Credit ibonelela ngazo zonke iinkonzo zayo ngexabiso eliphantsi le- $ 79 ngenyanga.

Ukulungiswa kwamatyala eSky Blue uphikisana nezinto ezili-15 kwingxelo yakho yamatyala (izinto ezintlanu kwi-ofisi nganye) rhoqo kwiintsuku ezingama-35. Eli lixabiso elikhulu xa kuthelekiswa neenkampani zokulungisa iikhredithi eziphikisa kuphela izinto rhoqo kwiintsuku ezingama-45 ukuya kwezingama-60, zikubiza iifizi zenyanga ngexesha lenkqubo.

Nje ukuba ubhalise nge-Sky Blue Credit, uya kunikwa uhlalutyo olunenkcukacha ngembali yakho yamatyala kubandakanya naziphi na iimpazamo ekunzima ukuzibona ezinokukwenzakalisa. Nje ukuba zichongwe iingxaki, i-Sky Blue credit pros iya kuthumela iimbambano ezenzelwe wena egameni lakho. Kananjalo baya kuthumela iileta eziphikisana kwakhona xa kunyanzelekile, ukwandisa amathuba abo okuphumelela. Baye bajonge nakwimifanekiso eqingqiweyo yokuthintela naliphi na ityala onalo.

ISky Blue ibonelela ngeenkonzo zayo simahla kwiintsuku zokuqala ezi-6 ngelixa beqokelela iingxelo zakho kwaye bekwabonelela ngesiqinisekiso sokubuyisa imali seentsuku ezingama-90. Ukuba ujonga iinkonzo zokulungiswa kwetyala ngelixa uhlahlo-lwabiwo mali, iSky Blue Credit lukhetho olukhulu lokucinga.

  • Coca iimpazamo kwiNgxelo yakho yeTyala
  • Zonke iinkonzo zibandakanyiwe kwiNqanaba eliNye leNyanga eliPhantsi
  • Akukho mrhumo wokuqala wokuSebenza kwaye akukho Ntlawulo kwiintsuku ezi-6 zokuqala
  • Isiqinisekiso sokuBuya kweMali seentsuku ezingama-90
  • Akukho zivumelwano - Rhoxisa inkonzo ngalo naliphi na ixesha

Cofa apha ukuze undwendwele iWebhusayithi yeTyala leBlue Blue ngolwazi oluthe kratya

# 4 iCreditRepair.com: Eyona ilungileyo yoHlolo lwaManqaku saMatyala mahala

IkhredithiRepair.com yenye yeenkampani eziphezulu zokulungisa amatyala ngemiceli mngeni engachanekanga kwingxelo yakho yamatyala. Le nkampani ibikho ukusukela nge-2012 kwaye isuse ngaphezulu kwe-1,800,000 yezinto ezinobungozi kwiingxelo zabaxhasi bazo ukusukela ngo-2012.

Xa ubhalisa ngeCreditRepair.com, baya kuyifumana kwangoko ingxelo yakho yamatyala kwaye bayihlalutye ukuze bafumane izinto ezinokungasebenzi, ezingachanekanga okanye ezilahlekisayo. Baya kuthi emva koko bakwenzele isicwangciso esenzelwe wena sokulungisa amatyala ukuze ungasusi kuphela izinto ezimbi ezonakalisa amanqaku akho, kodwa ikwabonelele ngesicwangciso sokwakha kwakhona ityala elifanelekileyo.

Emva kokuhlalutya ngocoselelo iingxelo zakho zetyala, iCreditRepair.com iya kuqala ukucela umngeni kwizinto ezingalunganga ezinokuba nefuthe elikhulu kumanqaku akho. Baneendlela ezahlukeneyo zokulungisa ikhredithi yakho kubandakanya iileta zokuqinisekiswa kwetyala kunye neeleta ezintle.

ICreditRepair.com ibonelela ngeephakeji ezintathu ezahlukeneyo zokulungiswa kwetyala ngokuxhomekeke kwiimfuno zakho.

Ngqo -Le yiphakheji yenqanaba labo lokungena kwaye ibandakanya ukuya kuthi ga kwi-15 yezinto ezingathandekiyo eziceliweyo ngenyanga, kunye neembambano ezi-3 zetyala ngenyanga. Esi sicwangciso sixabisa i-69.95 yeeDola, eyenye yemirhumo yenyanga ephantsi kushishino lokulungisa ityala. Esi sicwangciso siyacetyiswa kwabo banezinto ezimbalwa ezimbi.

Imigangatho - Le phakheji ibandakanya yonke into engentla kunye nokudibanisa kunye nokuyeka iileta eziya kubabolekisi, uhlalutyo lwamanqaku ngekota, ityala elinzima, kunye nokujonga ngetyala nge-24/7. Le phakheji yi- $ 99.95 ngenyanga.

Phambili - Esi sesona sicwangciso sihle kakhulu sokulungiswa kwetyala kwaye kubandakanya ukuya kuthi ga kwimiceli mngeni ye-19 yezinto ezingalunganga ngenyanga kunye neembambano ezi-6 zamatyala ngenyanga. Ukongeza, uyakufumana amanqaku akho enyanga e-FICO, ukhuselo lobusela, i-1 yezigidi zeedola kwi-inshurensi yobusela, kunye noluhlu lwezixhobo zakho zemali. Isicwangciso esiphambili siyi- $ 119.95 nje ngenyanga, eli lixabiso elilungileyo eliqwalasele yonke into efakiweyo.

Ngokubanzi, iCreditRepair.com yenye yezona zikhetho zibalaseleyo xa kufikwa kulungiso lwamatyala. Banesixhobo sokulungisa iikhredithi ezikumgangatho ophezulu kumzi mveliso, ofumanekayo kuzo zombini i-Android kunye neePhones.

  • I-50% yeefizi zokusetwa xa ubhalisa nomhlobo okanye ilungu losapho
  • Inkqubo elukhuni yokulungiswa kwamatyala efumana iziphumo
  • Iinkqubo ezi-3 zokulungiswa kwetyala onokukhetha kuzo
  • Ukubonisana simahla nohlalutyo lwamanqaku etyala
  • 15+ imingeni ngenyanga

Cofa apha ukundwendwela iwebhusayithi yeCreditRepair.com ngolwazi oluthe kratya

# 5 Iinkonzo zeNtengo zeTyala: Eyona ilungileyo yokulungisa iTyala ngokukhawuleza

Iinkonzo zeTyala yiarhente ekhula ngokukhawuleza yokuthenga ngetyala ebikushishino ngaphezulu kweminyaka eli-12 kwaye ithembekile ngabathengi abangaphezu kwama-200,000 kwilizwe liphela. Bagcina ireyithingi ye-A + ye-BBB kwaye bahlala belinganiswa njengenye yeenkonzo zokulungisa ngetyala ezilungileyo kwiindawo ezininzi zokuphonononga ezizimeleyo.

IiNtengo zeTyala zibonelela ngeephakheji ezintathu zokulungiswa kwetyala ukuhlangabezana neemfuno zabo bonke abathengi. Nokuba ujonge ukubekwa esweni kwamanqaku okuthenga ngetyala okanye inkonzo yokulungiswa kwamatyala ngokupheleleyo, kunokwenzeka ukuba ufumane isicwangciso esihlangabezana neemfuno zakho kunye nohlahlo-lwabiwo mali. Nazi iipakeji ezi-3 ezibonelelwa ziiNgcali zokuthenga ngetyala.

Iphakheji yoLawulo lweMali sisicwangciso senqanaba lokungena eliqala kwi- $ 49 nje ngenyanga. Kubandakanya ukujonga ngetyala leTransunion, isazisi kunye nokubeka iliso kwiwebhu emnyama, kunye nomphathi wezemali weCashRules. Umphathi wezezimali weCashRules unikezela amandla okudibanisa iibhanki zakho, usete uhlahlo-lwabiwo mali, ufumane izilumkiso, kwaye ulandele ngokulula ukuthengiselana.

Iphakheji yokuPhumelela yi- $ 119 ngenyanga kwaye kufuneka ilingane neemfuno zabathengi abaninzi abalungisa amatyala. Ibandakanya yonke into ekwiphakheji yoLawulo lweMali, kodwa ikwabonelela ngokulungiswa kwamatyala ezi-3. Inkqubo yokulungiswa kwamatyala eqhutywa yi-AI ibandakanya:

  • Yeka kwaye uyeke iileta kwii-arhente zokuqokelela (ukuyeka ukuxhatshazwa)
  • Iileta zokuqinisekiswa kwetyala kubabolekisi
  • Iileta zomnqweno kubabolekisi
  • Iileta zeempikiswano ezingenamda
  • Isicwangciso sokuSebenza ngaMnye ngeNgcali yeFICO eqinisekisiweyo

Iphakheji yokuphumelela yi- $ 149 ngenyanga kwaye ibandakanya yonke into engentla + i-1,500 yeedola eqinisekisiweyo yetyala. Ngomgca wekhredithi, banika ingxelo ngqo kwi-Experian kunye neTransunion, ukuze wakhe umlando wekhredithi oqinisekileyo ngokukhawuleza.

Ukuba awuqinisekanga ukuba sisiphi isicwangciso esifanelekileyo kuwe okanye ukuba unemibuzo malunga nekhredithi yakho, ungacela ukubonisana simahla, ngaphandle kwesibophelelo ukuze ubone ukuba banokukunceda na.

Ngokubanzi, i-Pros Pros yenye yezona zikhetho zibalaseleyo xa kusiza ekuqeshweni kwearhente yokulungisa ityala. Ngeempikiswano ezingenamkhawulo, ukufikelela kwi-24/7 kumasango abaxhasi, kunye nokukhuselwa kobusela besazisi ngazo zonke izicwangciso, awungekhe uhambe gwenxa nge-Pros Pros.

  • Itekhnoloji yokuLungisa iMboleko ye-AI
  • Ukulungiswa ngokukhawuleza kweKhredithi yeZiphumo eziKhawulezileyo
  • Ixabiso + leShishini eliBhetele
  • Ukubeka iliso kwiKhredithi kufakiwe ngaphandle kweendleko ezongezelelweyo
  • Isicwangciso sokuSebenza ngaMnye ngeNgcali yeFICO eQinisekisiweyo
  • Isicwangciso senyanga nenyanga ngeeleta zeempikiswano ezingenasiphelo
  • Ukubonisana simahla neNgcali yokuLungisa iMboleko

Cofa apha ukundwendwela iwebhusayithi yokuNxibelelana ngetyala ngolwazi oluthe kratya

# 6 Abantu baMatyala: Isiqinisekiso seNkonzo esona siBalaseleyo

Abantu baMatyala Le yenye yeenkampani eziphezulu zokulungisa amatyala ka-2021. Le nkampani ibiseshishini ngaphezulu kweminyaka eli-15, ibonelela ngokuhlawula inyanga nenyanga kunye nezicwangciso zeenkonzo zexabiso eliphantsi leenyanga ezintandathu.

Abantu abaThengisa ngetyala bazithengisa ngokwabo ulwaneliseko lwabathengi olungenakoyiswa kwaye bafumene amanqaku kwiNew York Times, kwiWall Street Journal nakwiSmartMoney.

Abantu abaMatyala baNgathi banokuphucula amanqaku akho ngetyala ngamanqaku angama-53 ukuya kwali-187. Kubalulekile ukuba uqaphele ukuba la manani aqikelelwa kuba iinkampani zokulungisa amatyala azinakuqinisekisa iinkonzo zazo. (Ngakumbi ngale nto ngomzuzwana.) Inkampani ikwanazo nezinto eziphantse zibe zizigidi eziyi-1.5 ezisuswe kwiingxelo zetyala ukusukela ngo-2004.

Eyona nkampani ibalaseleyo kwisantya sokulungisa ine-pedigree enomtsalane ngokulinganayo esemgangathweni. Ngokwewebhusayithi yeCredit People, ababolekisi bavumile iipesenti ezingama-71 zabasebenzisi bayo kwimali mboleko yendlu, kwaye iipesenti ezingama-78 zikhusele iimali-mboleko zemoto. Umthengi ophakathi wabona ukuphuculwa okungama-32% kumanqaku abo etyala emva kokujoyina.

Ezinye zezinye izinto zokujoyina abaNtu beTyala zibandakanya:

  • 24/7 ukufikelela kwiakhawunti
  • Iimbambano ezingenamkhawulo
  • Ukuqinisekiswa kwetyala kunye nophando
  • Isiqinisekiso seFCRA
  • Inkxaso yabathengi yasimahla

Inkampani ihlawulisa umrhumo wonyaka wama-419 eedola endaweni yenyanga, isenza sitshiphu kunezinye iinkonzo zokulungisa amatyala. Ungazama abantu abaMatyala ngeveki enye nge-19 yeedola ukubona ukuba uyayithanda na. Inkampani ikwabonelela ngeentsuku ezingama-60 zokubuya kwemali.

Cofa apha ukuze undwendwele iwebhusayithi yaBantu abaTyala ngeNkcukacha engaphezulu

# 7 Iinkonzo zeNtengo zeTyala: UkuLungiswa kweKhredithi eChongiweyo ngoVavanyo oluLungileyo

Ngaphezulu kwe-120,000 yabantu abasele bephucule amanqaku abo ngetyala, enkosi kwiiNkonzo zeKhredithi yeOvation. Le nkampani icoca ngetyala izenzele igama ngeziphumo ezingenaxabiso kunye nenkxaso ebalaseleyo kubathengi. Iinkonzo zeNtengo ngetyala ziyazingca ngokwakha ubudlelwane kunye nabathengi bayo kunye nokufumana izisombululo ezizizo zokuphucula iingxelo zabo zamatyala.

Bonke abathengi bafumana ukubonisana simahla ngexesha lokuqeshwa kwabo kokuqala. Intlanganiso inika abacebisi bamatyala ithuba lokuphonononga imbali yomntu othile ngetyala kwaye bamisele iinkonzo ezifanelekileyo zokucoca ngetyala. Indawo yayo ithi ikota yabantu inempazamo enye kwingxelo yabo yamatyala, kwaye ngaphezulu kwesiqingatha sinolwazi lwakudala.

Emva kokuba ubhalisile ukuze uqalise ngeeNkonzo zeTyala ngeNzululwazi, umcebisi wakho uya kukufaka kwifayile yengxabano egameni lakho. Oko kunokubandakanya ukubhala iileta ezintle okanye ukukhuphisana nokuhlawulwa kade kunye nababolekisi. Ikhredithi yeOvation isebenza ngamaziko agcina ingxelo ngetyala ukuqinisekisa ukuba unamanqaku achanekileyo okuthenga ngetyala.

Le nkampani yokulungisa ityala inemali yokuqala yokusebenza eyi- $ 89 kwiphakheji yayo esisiseko. Emva kwenyanga yokuqala, iifizi zomsebenzi ziyehla ziye kwi-79 yeedola ngenyanga. Iinkonzo zeNtengo ngetyala zinomgangatho weZiko eliShishini elingcono le-A + kunye nenqanaba le-4.3 kwiTrustPilot.

Zisebenza njani iinkampani zokuLungisa iMboleko?

Iinkampani zokulungisa amatyala ziqala inkqubo ngokukunceda ukuba ucele ikopi yengxelo yakho yamatyala kwindawo nganye ezintathu ezinkulu: iTransUnion, i-Equifax, kunye ne-Experian. Ingcali enamava ngetyala iya kuthi emva koko ivavanye ingxelo yakho yamatyala ngezinto ezingalunganga ezinokuthi zonakalise amanqaku akho etyala anje ngala:

  • Ukuhlawulwa kade
  • Ukutshatyalaliswa
  • Ukuhlawuliswa
  • Imibuzo enzima
  • Izigwebo
  • Uqikelelo
  • Ukuqokelelwa kwamatyala

Emva kokuphonononga izinto ezihlazo kwingxelo yakho yamatyala, inkampani iya kuqala ukusebenza nababolekisi bakho kunye namaziko agcina inkcazelo ngetyala egameni lakho.

Iinkonzo zokubuyiselwa kwamatyala zisebenzisa iindlela ngeendlela zokufumana izinto ezinobungozi kwingxelo yakho yamatyala kubandakanya:

  • Iileta zenkoliseko eziya kubabolekisi bakho
  • Izicelo zokuqinisekisa ulwazi
  • Iileta zempikiswano ngolwazi olungachanekanga
  • Yeka uyeke iileta zokumisa ukungcungcuthekiswa ngabantu abaqokelela amatyala

Iinkampani ezilungileyo zokunceda ngetyala ziya kuthi zisebenze kunye nawe ukwakha imbali eyakhayo ngetyala kunye nokubonelela ngeengcebiso zokunceda ukwandisa amanqaku akho etyala.

Sizikhetha njani iiNkampani eziLungisa iiKhredithi

Ukulungiswa kwamatyala kunye nezikhalazo

Xa kuziwa kwishishini lokulungisa ityala, igama lenkampani liyinto yonke. Ukufumana ezona nkampani zilungisa amatyala, siqwalasele uphononongo kunye nezikhalazo ezivela kwimithombo eyahlukeneyo kubandakanya:

  • Uphengululo lukaGoogle
  • IBusiness Business Bureau
  • Izikhalazo zeBhunga loKhuseleko lwezeMali
  • Uncedo

Amanqanaba eBusiness Better Bureau kunye neenkqubela phambili kwiinkampani ezininzi zokulungisa amatyala, ukubonelela ngebakala leeleta phakathi ko-A + no-F. Njengakwisikolo samabanga aphakamileyo, ukuphakama kwenqanaba kuya kuba ngcono. IZiko eliNgcono leShishini linika i-A + iireyithingi kwiiarhente zokulungisa amatyala ezisebenzisa imigaqo yokuziphatha yeshishini, kwaye yenza iinzame zokholo ezilungileyo ukusombulula iinkxalabo zabathengi. Yithathele ingqalelo iflegi ebomvu ukuba iarhente yokulungisa ityala ine-F rating.

Imirhumo yokuQala yokuSebenza

Kwinkonzo nganye yokulungiswa kwamatyala esiyijongileyo, sithathela ingqalelo intlawulo yomsebenzi wenkampani nganye. Imirhumo yokuqala yomsebenzi ihamba ngamagama amaninzi, kubandakanya neefizi zangaphambili, iifizi zokufumanisa kunye nemirhumo yokuseta. Nantoni na oyibizayo, bakhonza kwinjongo enye.

Umthetho woLungiso lwamaTyala ufuna ukuba iinkampani ezilungisa amatyala zingabizi iinkonzo zokulungisa amatyala de kube kugqityiwe umsebenzi. Lo mthetho ubekwe ukuze ukhusele abathengi kwiinkampani zobuqhetseba zokulungisa amatyala ezibiza imali eninzi yokuseta kwaye zisilele ukubonelela ngeenkonzo ekuvunyelwene ngazo zokulungisa amatyala.

Ukugcina le migaqo mitsha, iinkampani ezilungisa amatyala zibiza iifizi zomsebenzi wokuqala. Imirhumo yokuqala yomsebenzi ihlala ihlawulwa malunga neentsuku ezisi-7 emva kokuba ubhalisile kunye nenkampani yokulungisa ityala nasemva kokuba inqanaba lokuqala lomsebenzi ugqityiwe.

Iinkonzo zokuLungisa iMboleko ezinikezelweyo

Ukufumana eyona nkampani ilungisa amatyala, siqwalasele iinkonzo zokulungisa amatyala kunye neephakeji ezinikezelwayo. Ukulungiswa kwetyala akufuneki kube sisisombululo esilingana nesinye. Ezona nkampani zibalaseleyo kufuneka zibonelele ngeendlela ezahlukeneyo zokulungisa ityala, kuxhomekeke kwinqanaba lenkonzo oyifunayo.

Iinkampani ezininzi zokulungisa amatyala ziye zafaka iipakeji ezahluka ngokwenani leenkonzo ezibandakanyiweyo. Umzekelo, abanye abalungisa amatyala banika iimpikiswano ezingenamda ngenyanga ngelixa abanye benikezela ngokubeka esweni ityala okanye ukhuselo lobusela besazisi kwizicwangciso zabo zepremiyamu.

Xa sivavanya ezona nkampani zilungisa amatyala, siqwalasele oku kulandelayo:

  • Iiphakheji zokulungisa ityala zinikiwe
  • Ixabiso lenyanga
  • Nokuba ukubekwa kweliso kwetyala kufakiwe
  • Inani leembambano zamatyala ngenyanga

Inani leeNgxwabangxwaba zeMboleko kuMjikelo weNtlawulo

Enye yezona zinto zibalulekileyo ekufuneka uziqwalasele xa uqesha inkonzo yokulungisa ityala linani leengxabano zenyanga ezibandakanyiweyo. Ngalo lonke ixesha inkampani yokulungisa ityala icela umngeni kwinto engentle kwingxelo yakho yamatyala, ibalwa njengengxabano.

Ezinye iinkampani ezaziwayo zokulungisa amatyala ezinje ngeeNtengo zeTyala zibonelela ngeembambano ezingenamda kumjikelo wokuhlawula, ngelixa ezinye iinkampani ezinje ngeSky Blue Credit zibonelela ngeengxabano ezili-15 rhoqo kwiintsuku ezingama-35. Inani leembambano zetyala rhoqo ngenyanga ziya kuhlala zixhomekeke kwiphakheji yokulungiswa kwetyala olikhethileyo.

Into ebalulekileyo ekufuneka igcinwe engqondweni kukuba imbambano kufuneka ifayilishwe ngokwahlukeneyo kwezi zintathu ziphambili zamatyala. Ke ukuba unempazamo yokunika ingxelo ngetyala kuwo omathathu amaziko agcina ngetyala, oko kuyakubalwa njengeengxabano ezintathu ezahlukeneyo.

Iinkonzo ezongezelelweyo

Ezona nkampani zibalaseleyo zokulungisa amatyala zihlala zibonelela ngeenkonzo ezongezelelweyo ezinceda ukuphucula impilo yakho yezemali. Ezi nkonzo zongezelelekileyo zinokubandakanya ukubeka esweni ngetyala, i-inshurensi yobusela, izikhumbuzo zeebhili, izixhobo zakho zezemali, isoftware yokulungisa amatyala nokunye.

Ezinye iinkampani ezilungisa amatyala zikwabonelela ngezinye iinkonzo zemali njengokulawulwa kwetyala okanye ukuphinda uxhase imali mboleko. Xa sivavanya iinkonzo zokulungiswa kwamatyala, sanika amanqaku ongezelelweyo kwiinkampani ezazibonelela ngokubeka iliso kwityala kunye nezinye izixhobo zemali.

Isiqinisekiso sokubuyiselwa imali

Xa sivavanya ezona nkonzo ziphezulu zokulungiswa kwetyala, sathathela ingqalelo isiqinisekiso (ukuba sikhona) esenziwe yinkampani nganye. Ngokwe-Credit Repair Organisations Act, iinkampani azivumelekanga ukuba ziqinisekise iziphumo ukuze zifumane abathengi abatsha. Nangona kunjalo, ezinye iinkampani zokulungisa amatyala zibonelela ngesiqinisekiso sokubuyiselwa imali ukuba iziphumo azibonwanga lixesha elithile.

Umzekelo, i-Credit Saint inikezela ngesiqinisekiso sokubuyiselwa imali ukuba abakwazi ukucima naziphi na izinto ezithandabuzekayo kwingxelo yakho yetyala ngeentsuku ezingama-90. Ezinye iinkampani zokulungisa amatyala ezinje nge-AMB yeeCredit Consultants aziboneleli ngesiqinisekiso sokubuyiselwa imali konke konke.

Siyakholelwa ukuba iinkampani ezisemthethweni zokulungisa amatyala kufuneka zibonelele ngesiqinisekiso sokubuyiselwa imali ukuba akukho mpikiswano iyenziweyo ngexesha elifanelekileyo.

Umgaqo-nkqubo wokuCima

UMthetho weMibutho yoLungiso lwaMatyala (CROA) ufuna ukuba iinkampani zithethe inyani malunga neemveliso kunye neenkonzo zazo. Oko kubandakanya ukunika abathengi ixesha lokurhoxisa. Abathengi banelungelo lokurhoxisa iinkonzo zabo zokulungisa amatyala simahla kwiintsuku ezintathu zokuqala.

Xa inkampani ikubiza, kufanele ukuba sele ihambisile iinkonzo zayo ezithenjisiweyo. Le nkqubo ayisebenzi ngenye indlela. Ukuba uyakholelwa ukuba ulixhoba lobuqhetseba, ungaqhagamshelana neCandelo loKhuseleko lwezeMali loMthengi.

Imirhumo kunye neendleko

Enye yeendlela eziphambili esasizisebenzisa xa kuvavanywa iinkampani zokulungisa amatyala yayilulwakhiwo lwamaxabiso kunye nemirhumo. Ezinye iinkampani zokulungisa amatyala ezinje ngePyramidi yokuLungisa iMboleko zinikezela zonke iinkonzo zazo ngexabiso eliphantsi le- $ 99 ngenyanga, ngelixa ezinye iinkampani ezinje ngeCredit Pros zibonelela ngezicwangciso zamaxabiso ezininzi ngokuxhomekeke kwiimfuno zakho kunye nohlahlo-lwabiwo mali.

Sivavanye inkampani nganye yokulungisa ityala ngezi zinto zilandelayo:

  • Imirhumo yokuqala yomsebenzi
  • Imirhumo yenyanga
  • Iiphakheji zokulungisa ityala zinikiwe
  • Izaphulelo kwizibini ezitshatileyo

Ngaba iiNkampani zokuLungisa iMboleko zikuxabisile?

Iinkampani zokulungisa amatyala kufanelekile xa amanqaku amabi emali ekuthintela ukuba ungafaneleki kwimali mboleko okanye ekubangela ukuba uhlawule inzala ephezulu.

Nangona unako lungisa ikhredithi yakho , yinkqubo echitha ixesha elininzi. Ezona nkampani zilungileyo zokulungisa amatyala ziwususa umthwalo emagxeni ngokusingatha yonke inkqubo ukusuka ku-A-to-Z. Baza kukunceda uqokelele iingxelo zekhredithi, uchonge izinto ezingalunganga, kwaye usebenze nababolekisi bakho egameni lakho.

Xa ucinga ukuba zingaphi iiyure zexesha oza kuzigcina kunye nenyaniso yokuba uninzi lweenkampani zokulungisa amatyala zibiza kuphela i-79- $ 129 ngenyanga nge-avareji, ngokuqinisekileyo kufanelekile.

Ixabisa malini iNkampani yokuLungisa iMboleko kwiNkampani?

Uninzi lweenkampani zokulungisa amatyala zibiza umrhumo wenyanga phakathi kwe- $ 79 kunye ne- $ 129. Unokuhlawula umrhumo wokuqala wokusebenza ngaphezulu kwereyithi yenyanga ethe tyaba. Inkonzo yokulungiswa kwamatyala ihlala ithatha iinyanga ezininzi ukusebenza kodwa inokuhlala unyaka. Umzekelo, iPyramidi yoLungiso lwaMatyala ahlawuliswa i $ 99 ngenyanga, ewela ngokuhambelana nomndilili wecandelo lokulungisa ityala. Ukulungiswa kweMboleko yePyramid ikwanesicwangciso sezibini esiyi- $ 198 ngenyanga.

Ungathenga isoftware yokulungisa ngetyala elinciphisa ixesha lokujonga iingxelo zekhredithi kunye neeofisi. Ezinye iinkampani zine-freemium, apho unokukhuphela khona isoftware ebalulekileyo kwaye uhlawule izinto ezizodwa. Uninzi lweendleko zesoftware yokulungisa iindleko ziphakathi kwe- $ 40 kunye ne- $ 400, kubandakanya neyona siyithandayo, iTurbo Score Ekhaya.

Ngaba iziphumo zoQinisekiso lweeNkonzo zokuLungiswa kweMatyala ngokusemthethweni?

Hayi, nkqu nenkonzo yokulungiswa kwetyala efanelekileyo ayinakuqinisekisa iziphumo. Yithathele ingqalelo iflegi ebomvu ukuba inkampani ithi banokunyusa amanqaku akho etyala ngenani elithile okanye bafumane inzuzo ngexesha elithile. Zininzi izinto eziguquguqukayo xa kudlalwa ukwenza izithembiso.

Ezinye iinkampani zingakunika uqikelelo lweempawu ezithile. Ukuba unamanqaku amancinci amabi kunye nembali emfutshane yokuthenga ngetyala, inkampani inokuqikelela ukonyuka kwamanqaku ali-100 kwiinyanga ezintandathu zokuqala. Qaphela ukuba inkampani ayithembisi ukunyusa amanqaku akho etyala ngamanqaku ayi-100 ngelo xesha.

Ungakuphepha njani ubuqhetseba bokuLungisa iMboleko

Urhulumente wobumbano uphumelele UMthetho woLungiso lwaMatyala ngo-1968. Ummiselo uthintela iinkampani zokulungisa amatyala ekubeni zenze ingxelo ezingeyonyani okanye elahlekisayo malunga neemveliso okanye iinkonzo zazo. Naziphi na iinkampani ezibonelela ngeenkonzo zokulungisa amatyala kufuneka zibonelele ngezivumelwano ezibhaliweyo kwaye zinike abathengi ithuba lokurhoxisa ulungiselelo ngaphakathi kweentsuku ezi-3 zokubhalisela.

Iinkampani zokulungisa amatyala azinakuyamkela intlawulo de zigqibe iinkonzo. Ngenxa yokuba kuthatha ukuya kwiinyanga ezintandathu ukulungisa ikhredithi, unokulinda ixesha elide ngaphambi kokuba uhlawule, nawo. Iinkampani ezininzi ezinje ngeVenkile yeVenkile zisebenzisa imali yokuseta (intlawulo yokuqala yomsebenzi) kunye nolwakhiwo lwenyanga lokuhlawula lo mthetho.

Ukuba ngumthengi okrelekrele kuthetha ukwazi amalungelo akho. Inkqubo ye- UMthetho weNgxelo oLungileyo weNgxelo ikuvumela ukuba uphikisane naziphi na iimpazamo simahla. Akunyanzelekanga ukuba uhlawule inkampani ngale nkonzo, nangona iyanceda ukuba nengcali ngetyala kwicala lakho.

Zilolongele ukuba iinkampani zeentengo zemboleko azikwazi ukukunika impendulo ethe ngqo okanye ukuba zinikezela ngolwazi olulahlekisayo. Umzekelo, kuya kufuneka uphephe naziphi na iinkampani zokulungisa amatyala ezithi zikubalekele ukunxibelelana neziko lokujonga ngetyala kwilizwe lonke. Ungavumeli inkampani ichaze ulwazi lwakho ngokudala isazisi esitsha kunye nengxelo yekhredithi ngeNombolo yakho yoKhuseleko lweNtlalo, nokuba. Qiniseka ukuba bakhusela imfihlo yakho.

Ngaba iinkampani zokuLungisa iMboleko ziZisusa njani izinto?

Yonke inkampani esemthethweni yokulungisa amatyala ineendlela zayo ezizodwa zokulungisa ikhredithi yakho. Nazi ezinye zeendlela eziqhelekileyo zokusebenzisa iinkonzo zokuphucula ikhredithi ukulungisa ikhredithi yakho.

Iileta zoMoya oMnandi kubabolekisi bakho -Iinkampani ezininzi kumzi-mveliso wokulungisa ityala zisebenzisa iileta ezilungileyo zomntu otyalayo ukuzama ukususa izinto ezimbi kwiingxelo zakho zetyala. Iileta ezilungileyo zizo iileta ezithunyelwa kubabolekisi bakho, ubacela kakuhle ukuba basuse izinto ezingalunganga abazichaze kwiiarhente zokunika ingxelo ngetyala. Iileta ezintle ezithunyelwa kubabolekisi bakho azisebenzi rhoqo, kodwa zisebenza rhoqo kunokuba ucinga.

Yeka kwaye uyeke iileta eziya kubaqokeleli bamatyala -Yekisa kwaye uyeke iileta ziileta ezithunyelwa kwabo ubatyalayo okanye iarhente yokuqokelela amatyala, becela ukuba bayeke ukunxibelelana nawe malunga netyala lakho. NgokomThetho oQhelekileyo wokuQokelelwa kweTyala, ukuba ufuna iarhente yokuqokelelwa kwetyala ukuba iyeke ukunxibelelana nawe, kufuneka bathobele. Ayizizo zonke iinkampani ezinikezela ngezi nkonzo, kodwa iinkampani ezininzi zokulungisa amatyala zenza.

Iileta zokuqinisekiswa kwamatyala -Imiceli mngeni yokuqinisekisa iileta zithunyelwa kwiiarhente zokuqokelela amatyala okanye abo ubatyalayo, becela ubungqina bokuba ityala lakho lisemthethweni okanye ngaphakathi komthetho. Ukuba umntu obolekayo akanakho ukungqina ukuba ityala lakho lisemthethweni, ityala kufuneka lisuswe kumanqaku akho etyala.

Lungisa ulwazi olungachanekanga -Ukuba utyikitye neyona nkampani ilungisa amatyala, uya kunikwa umcebisi wecala lakho. Baza kusebenza kunye nawe ukuya kwiingxelo zakho zetyala, ukukhangela idatha engachanekanga kunye nezinto ezithandabuzekayo ezinokuphikiswa. Oku kuluncedo ngakumbi ukuba ube lixhoba lobusela besazisi.

Umceli mngeni kwimiba - Unelungelo lokuphikisa naziphi na izinto ezithandabuzekayo kwiingxelo zakho zekhredithi ongavumelani nazo. Ngokomthetho, amaziko agcina imali ngetyala aneentsuku ezingama-30 zokuphendula kumceli mngeni wakho ukusukela kwixesha lokufumana kwakho incwadi yengxabano. Ngaphambi kokuba ubhalise kunye nenkampani eyaziwayo yokulungisa amatyala, qiniseka ukuba uhlawula ingqalelo ukuba zingaphi iimbambano ovumelekileyo ukuba uzenze kwifayile kumjikelo wokuhlawula. Ezinye iinkampani zibonelela ngeembambano ezingenamda, ngelixa zibonelela ngenani eliqingqiweyo lemiceli mngeni ngenyanga.

Uphengululo kunye neenkcazo ezipapashwe apha zezo zomxhasi kwaye azibonisi mgaqo-nkqubo osemthethweni, isikhundla okanye izimvo zaBabukeli.

Amanqaku Umdla