CreditWise from Capital One

I-CreditWise iyithuluzi lamahhala lokuqapha isikweletu elingakusiza uthuthukise isikolo sakho.

Sikholelwa ekunikezeni amandla abantu ngamathuluzi okuqapha nokuphatha ngempumelelo izikweletu zabo, kungakhathaliseki ukuthi bakuphi ohambweni lwabo lwekhredithi. Yingakho i-CreditWise imahhala ngokuphelele. Futhi, ukuyisebenzisa ngeke kulimaze isikolo sakho sesikweletu futhi ngeke uze ucelwe ukuthi ufake inombolo yekhadi lesikweletu.

Nge-CreditWise, uzokwazi ukufinyelela mahhala kumbiko wakho wesikweletu we-FICO® Score 8 kanye ne-TransUnion®—kanye nezeluleko eziqondiwe, amathuluzi nezixwayiso zokukusiza ukuthi ugade isikweletu sakho. Uzothola nokufinyelela kwamahhala kumathuluzi okuqapha ukwebiwa kobunikazi—njengezaziso zewebhu emnyama—ukukusiza ukuthi wenze okuthile lapho ulwazi lwakho lutholwa ndawana thize esolisayo.

Thola mahhala:
● Izibuyekezo njalo nje nsuku zonke ku-TransUnion-based FICO Score 8 yakho.
● Ukufinyelela kumbiko wakho wesikweletu we-TransUnion ukuze ubheke izimpawu zephutha, ukweba noma ukukhwabanisa.
● Izexwayiso uma inombolo yakho Yokuphepha Komphakathi noma ikheli le-imeyili litholakala kuwebhu emnyama.
● Ukucaca kokuthi izinqumo ezithile zansuku zonke zingathinta kanjani isikolo sakho sekhredithi ngeSilinganisi Sekhredithi.
● Ukuhlukaniswa okuwusizo kwezinto ezibalulekile ezenza isikolo sakho sekhredithi nokuthi wenza kanjani kuzo zonke.
● Iziphakamiso zokukusiza ukuthi uthuthukise isikolo sakho sekhredithi.
● Izaziso mayelana nezinguquko ezikhethiwe zemibiko yakho yezikweletu ye-TransUnion noma ye-Experian®.
● Izexwayiso uma noma yimaphi amagama amasha noma amakheli ayehlotshaniswa nenombolo yakho Yokuphepha Komphakathi esicelweni sekhredithi.

Wake wafuna ukwazi umthelela wezinqumo ezithile zezezimali kumaphuzu akho esikweletu, ngaphambi kokuthi uzenze? I-CreditWise inethuluzi lalokho. Sebenzisa I-Credit Simulator ukuze ubone ukuthi izimo ezihlukene—njengokuvula ikhadi elisha lesikweletu—zingathinta kanjani i-FICO Score 8 yakho. Ukwazi ukuthi izenzo ezithile zingaba nomthelela kanjani kusikolo sakho kungase kukusize usungule, ulondoloze futhi wakhe isikweletu ukuze uthole ukuzinza okwengeziwe kwezezimali.

I-CreditWise imahhala, iyashesha, ivikelekile futhi itholakala kuwo wonke umuntu omdala oneminyaka engu-18 noma ngaphezulu ohlala e-US onenombolo Yokuvikeleka Komphakathi kanye nombiko osefayela e-TransUnion. Landa uhlelo lokusebenza namuhla futhi ulawule isikweletu sakho.

Isikolo sekhredithi esinikezwe ku-CreditWise siyi-FICO® Score 8 esisekelwe kudatha ye-TransUnion®. I-FICO Score 8 ikunikeza umuzwa omuhle wempilo yakho yesikweletu kodwa ingase ingabi imodeli yamaphuzu efanayo esetshenziswa umbolekisi wakho noma umbolekisi. Ukutholakala kwethuluzi le-CreditWise kanye nezici ezithile ethuluzini kuncike emandleni ethu okuthola umlando wakho wesikweletu ku-TransUnion nokuthi ingabe unomlando wesikweletu owanele ukuze ukhiqize i-FICO Score 8. Okunye ukuqapha kanye nezixwayiso kungase kungatholakali kuwe uma ulwazi olufakayo ekubhaliseni lungafani nolwazi olukwifayela lakho lesikweletu (noma ungenalo ifayela) ku-ejensi eyodwa noma ngaphezulu yokubika umthengi. Awudingi ukuba umnikazi we-akhawunti ye-Capital One ukuze ubhalisele i-CreditWise.

Izaziso zisekelwe ezinguqukweni zemibiko yakho yezikweletu ye-TransUnion kanye ne-Experian® kanye nolwazi esiluthola kuwebhu emnyama.

I-CreditWise Simulator ihlinzeka ngesilinganiso soshintsho lwesikolo sakho futhi ayiqinisekisi ukuthi isikolo sakho singashintsha kanjani.