{"id":9094,"date":"2017-01-13T16:02:00","date_gmt":"2017-01-13T16:02:00","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/jusu-kreditspejas-izprasana"},"modified":"2024-11-13T09:46:53","modified_gmt":"2024-11-13T09:46:53","slug":"jusu-kreditspejas-izprasana","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/lv\/jusu-kreditspejas-izprasana","title":{"rendered":"7 veidi, k\u0101 uzlabot savu kred\u012btreitingu (credit score)"},"content":{"rendered":"\n

Pieaugot dz\u012bves d\u0101rdz\u012bbai, ir svar\u012bgi apsv\u0113rt, k\u0101 uzlabot savu kred\u012btreitingu. Laba kred\u012bta atskaite ne tikai palielina j\u016bsu iesp\u0113jas sa\u0146emt m\u0101jok\u013ca aizdevumu, pat\u0113ri\u0146a kred\u012btu vai kred\u012btkarti, bet ar\u012b nosaka j\u016bsu ties\u012bbas atv\u0113rt bankas kontus, sa\u0146emt automa\u0161\u012bnas apdro\u0161in\u0101\u0161anu un pat mobil\u0101 t\u0101lru\u0146a l\u012bgumus.<\/span><\/p>\n\n\n\n

Kas ir kred\u012btreitings<\/b><\/h2>\n\n\n\n

Kred\u012btreitings ir sist\u0113ma, kas nosaka, cik liela ir varb\u016bt\u012bba, ka aizdev\u0113js pie\u0161\u0137irs kred\u012btu personai vai uz\u0146\u0113mumam. T\u0101s m\u0113r\u0137is ir m\u0113\u0123in\u0101t paredz\u0113t, k\u0101da ir aizdevumu atmaksas varb\u016bt\u012bba.<\/span><\/p>\n\n\n\n

Da\u017e\u0101diem aizdev\u0113jiem ir savas metodes, lai izlemtu, vai pied\u0101v\u0101t jums kred\u012btu vai n\u0113. Bet parasti, ja j\u016bs varat pier\u0101d\u012bt konsekventu atbild\u012bgas aiz\u0146em\u0161an\u0101s v\u0113sturi, savlaic\u012bgi un regul\u0101ri atmaks\u0101t par\u0101dus, atjaunin\u0101t savus ierakstus, j\u016bsu kred\u012btreitings, visticam\u0101k, b\u016bs labs. Jo augst\u0101ks ir j\u016bsu kred\u012btreitings, jo liel\u0101kas ir j\u016bsu iesp\u0113jas sa\u0146emt kred\u012btu par vislab\u0101kaj\u0101m likm\u0113m.<\/span><\/p>\n\n\n\n

K\u0101 uzlabot savu <\/b>credit score<\/i><\/b><\/h2>\n\n\n\n

Ir daudzi uz\u0146\u0113mumi, kas \u013cauj p\u0101rbaud\u012bt savu kred\u012btreitingu (<\/span>credit score<\/span><\/i>). Piem\u0113ram, <\/span>Experian<\/span><\/i><\/a>, <\/span>Equifax<\/span><\/i><\/a> un <\/span>TransUnion<\/span><\/i><\/a>.. Ja jums ir nepiecie\u0161ams uzlabot savu kred\u012btreitingu, izm\u0113\u0123iniet \u0161\u012bs darb\u012bbas\u2026<\/span><\/p>\n\n\n\n

    \n
  1. P\u0101rliecinies, ka esi v\u0113l\u0113t\u0101ju sarakst\u0101<\/b><\/li>\n<\/ol>\n\n\n\n

    Ir \u013coti svar\u012bgi, lai j\u016bsu dati tiktu atjaunin\u0101ti <\/span>v\u0113l\u0113t\u0101ju sarakst\u0101<\/span><\/a>. Neatkar\u012bgi no t\u0101, vai dz\u012bvojat viens pats vai kop\u012bg\u0101 m\u0101j\u0101, p\u0101rce\u013coties vienm\u0113r inform\u0113jiet v\u0113l\u0113\u0161anu re\u0123istru, jo \u0161\u0101di aizdev\u0113ji apstiprina j\u016bsu identit\u0101ti. Ja jums nav balssties\u012bbu Apvienotaj\u0101 Karalist\u0113 un t\u0101p\u0113c nevarat b\u016bt iek\u013cauts v\u0113l\u0113t\u0101ju sarakst\u0101, pal\u016bdziet vis\u0101m trim kred\u012btinform\u0101cijas a\u0123ent\u016br\u0101m (uzskait\u012btas iepriek\u0161) sav\u0101 kred\u012bta liet\u0101 iek\u013caut pazi\u0146ojumu par labojumu, lai aizdev\u0113jiem var\u0113tu iesniegt alternat\u012bvu dz\u012bvesvietas apliecin\u0101jumu. Tas var b\u016bt komun\u0101lo pakalpojumu r\u0113\u0137ins vai j\u016bsu Apvienot\u0101s Karalistes autovad\u012bt\u0101ja apliec\u012bba.<\/span><\/p>\n\n\n\n

      \n
    1. Ja iesp\u0113jams, izvairieties no bie\u017eas p\u0101rcel\u0161an\u0101s uz jaunu m\u0101jokli<\/b><\/li>\n<\/ol>\n\n\n\n

      Ja iesp\u0113jams, m\u0113\u0123iniet izvair\u012bties no past\u0101v\u012bgas dz\u012bvesvietas mai\u0146as. Bie\u017ea p\u0101rcel\u0161an\u0101s no vienas dz\u012bvesvietas uz citu potenci\u0101lajiem aizdev\u0113jiem var \u0161\u0137ist neuzticami. Vi\u0146i var dom\u0101t, ka, piem\u0113ram, jums ir probl\u0113mas samaks\u0101t \u012bri vai citas probl\u0113mas. Ja j\u016bs ilgu laiku atrodaties vien\u0101 un taj\u0101 pa\u0161\u0101 m\u0101jokl\u012b, tad aizdev\u0113ji redz\u0113s j\u016bsu stabilit\u0101ti.<\/span><\/p>\n\n\n\n

        \n
      1. Izveido savu kred\u012btv\u0113sturi<\/b><\/li>\n<\/ol>\n\n\n\n

        J\u016bs varat dom\u0101t, ka kred\u012btkartes neesam\u012bba uzlabos j\u016bsu kred\u012btreitingu (<\/span>credit score<\/span><\/i>). Bet paties\u012bb\u0101, ja nav kred\u012bta, aizdev\u0113jiem ir \u013coti gr\u016bti nov\u0113rt\u0113t j\u016bsu kred\u012btsp\u0113ju. Jo maz\u0101k kred\u012bta jums ir, jo zem\u0101ks b\u016bs j\u016bsu kred\u012btreitings. Ja esat nesen ieradies valst\u012b un jums v\u0113l nav kred\u012btv\u0113stures, varat to izveidot. Veidi, k\u0101 izveidot kred\u012btv\u0113sturi (<\/span>credit history<\/span><\/i>), ir bankas konta atv\u0113r\u0161ana, nelielu kred\u012btu \u0146em\u0161ana (piem\u0113ram, mobil\u0101 t\u0101lru\u0146a l\u012bgums), laba m\u0101jsaimniec\u012bbas kontu apstr\u0101de un kred\u012btkartes ieg\u016b\u0161ana, k\u0101 ar\u012b regul\u0101ri maks\u0101jumi laik\u0101.<\/span><\/p>\n\n\n\n

          \n
        1. Saglab\u0101jiet zemu kred\u012bta izmanto\u0161anu<\/b><\/li>\n<\/ol>\n\n\n\n

          Ja jums ir kred\u012btkarte, jums nekad nevajadz\u0113tu p\u0101rsniegt limitu. Kred\u012btkartes limita p\u0101rsnieg\u0161ana ir trauksmes zvans potenci\u0101lajiem aizdev\u0113jiem. Ja iesp\u0113jams, m\u0113\u0123iniet padar\u012bt sava kred\u012bta izmanto\u0161anu maz\u0101ku par 30%. Piem\u0113ram, ja j\u016bsu kred\u012btkartes limits ir 5000 ASV dol\u0101ru, neizmantojiet vair\u0101k par 1500 ASV dol\u0101riem. Tas \u0161\u0137it\u012bs pozit\u012bvs sign\u0101ls aizdev\u0113jiem, t\u0101p\u0113c tas var pal\u012bdz\u0113t palielin\u0101t j\u016bsu kred\u012btreitingu.<\/span><\/p>\n\n\n\n

            \n
          1. Nesl\u0113dziet vecos bankas kontus<\/b><\/li>\n<\/ol>\n\n\n\n

            Iz\u0146emot kred\u012btkarti ar bezprocentu periodu, jums var rasties k\u0101rdin\u0101jums veikt atlikuma p\u0101rskait\u012bjumu un nekav\u0113joties sl\u0113gt kontu. Bet faktiski par\u0101dot, ka j\u016bs varat veiksm\u012bgi p\u0101rvald\u012bt vair\u0101kus kred\u012bta kontus ilgu laiku, var pal\u012bdz\u0113t uzlabot savu kred\u012btreitingu. Ja jums ir gara kred\u012btkartes konta v\u0113sture un j\u016bs maksim\u0101li izmantojat tikai savu kred\u012btlimitu, j\u016bs, visticam\u0101k, tiksit apbalvots ar labu kred\u012btreitingu.<\/span><\/p>\n\n\n\n

              \n
            1. Sekojiet savam kred\u012btreitinga p\u0101rskatam un zi\u0146ojiet par k\u013c\u016bd\u0101m<\/b><\/li>\n<\/ol>\n\n\n\n

              Nelielas k\u013c\u016bdas, piem\u0113ram, nepareizi ievad\u012bta adrese, var apdraud\u0113t j\u016bsu kred\u012btsp\u0113ju un likt aizdev\u0113jam atteikties sniegt jums aizdevumu. T\u0101p\u0113c ir ieteicams regul\u0101ri p\u0101rbaud\u012bt savu kred\u012btreitinga p\u0101rskatu, lai p\u0101rliecin\u0101tos, ka visa inform\u0101cija ir prec\u012bza. Ja rodas k\u013c\u016bdas, sazinieties tie\u0161i ar pakalpojumu sniedz\u0113ju un l\u016bdziet veikt izmai\u0146as. Kred\u012bta faila p\u0101rraudz\u012bba ar\u012b \u013cauj viegl\u0101k paman\u012bt kr\u0101pnieciskas darb\u012bbas. Ja kr\u0101pnieks \u0146em kred\u012btu j\u016bsu v\u0101rd\u0101 un j\u016bs kred\u012bta p\u0101rskat\u0101 paman\u0101t maks\u0101jumus, kurus neatpaz\u012bstat, jums par to nekav\u0113joties j\u0101zi\u0146o. Experian ir noder\u012bgs ce\u013cvedis, kur\u0101 paskaidrots, k\u0101 r\u012bkoties, ja <\/span>kr\u0101pnieks nozaga j\u016bsu identit\u0101ti<\/span><\/a>.<\/span><\/p>\n\n\n\n

                \n
              1. Izmantojiet <\/b>Experian Boost<\/i><\/b><\/li>\n<\/ol>\n\n\n\n

                Izveidojot Experian kontu, varat izv\u0113l\u0113ties to saist\u012bt ar savu bankas kontu. P\u0113c tam <\/span>Experian Boost<\/span><\/i><\/a> analiz\u0113 j\u016bsu finansi\u0101lo uzved\u012bbu. Tas izskata t\u0101du inform\u0101ciju k\u0101 hipotek\u0101rie kred\u012bti, mobilo t\u0101lru\u0146u l\u012bgumi, parastie m\u0101jsaimniec\u012bbas konti un kred\u012btkartes un kop\u012bgo datus ar iesaist\u012btajiem kreditoriem (ja piekr\u012btat). Ja maks\u0101jat regul\u0101ri un net\u0113r\u0113jat vair\u0101k, nek\u0101 nopeln\u0101t, j\u016bsu kred\u012btreitings var uzreiz palielin\u0101ties.<\/span><\/p>\n\n\n\n

                ___________________<\/p>\n\n\n\n

                Tagad, kad zin\u0101t, k\u0101 uzlabot savu kred\u012btreitingu, vai esat gatavs ietaup\u012bt uz naudas p\u0101rskait\u012bjumiem? Pievienojieties TransferGo<\/a> jau \u0161odien, lai \u0113rti, \u0101tri un izdev\u012bgi p\u0101rskait\u012btu naudu tie\u0161saist\u0113.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"

                Pieaugot dz\u012bves d\u0101rdz\u012bbai, ir svar\u012bgi apsv\u0113rt, k\u0101 uzlabot savu kred\u012btreitingu. Laba kred\u012bta atskaite ne tikai palielina j\u016bsu iesp\u0113jas sa\u0146emt m\u0101jok\u013ca aizdevumu, pat\u0113ri\u0146a kred\u012btu vai kred\u012btkarti, bet ar\u012b nosaka j\u016bsu ties\u012bbas atv\u0113rt bankas kontus, sa\u0146emt automa\u0161\u012bnas apdro\u0161in\u0101\u0161anu un pat mobil\u0101 t\u0101lru\u0146a l\u012bgumus. Kas ir kred\u012btreitings Kred\u012btreitings ir sist\u0113ma, kas nosaka, cik liela ir varb\u016bt\u012bba, ka aizdev\u0113js […]<\/p>\n","protected":false},"author":1,"featured_media":9095,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1436,1439],"tags":[],"business_case_studies_tags":[],"class_list":["post-9094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personigas-finanses","category-personigie-finansu-padomi"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/credit-card-1591492_1280-1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/posts\/9094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/comments?post=9094"}],"version-history":[{"count":0,"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/posts\/9094\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/media\/9095"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/media?parent=9094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/categories?post=9094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/tags?post=9094"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lv\/wp-json\/wp\/v2\/business_case_studies_tags?post=9094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}