Contributed by cPort Credit Union

Mararka qaarkood dadku ma haystaan ​​lacag ku filan oo loo keydiyo waxay u baahan yihiin. Waxaa laga yaabaa in gaari uu jabo oo u baahan yahay in si dhakhso leh loo dayactiro. Ama shaqo cusub waxay u baahan tahay iibsashada gaari. Ama laga yaabee inay ardaydu rabaan inay iska qoraan koorsooyinka kuleejka. Xaaladaha sida kuwan, dadku waxay ka fiirsan karaan inay dalbadaan amaahda hay’ad maaliyadeed.

Bixiyeyaasha (Hay’ada Maaliyadeed) ayaa amaah ku siin kara amaahda kuwa amaahda ku soo celiya inay amaah ku bixiyaan. Magdhowga si ay ugu habboonaan laheyd amaahda helitaanka lacageed ee hore, amaah-bixiyuhu guud ahaan wuxuu ku darayaa khidmadda dulsaarka qaddarka deyn bixiyuhu uu ku leeyahay. Waqti ka dib, deyn bixiyuhu wuxuu dib u soo celiyaa lacagta la amaahday, sidoo kale wuxuu bixiyaa dulsaarka. Amaahdu waxay caawisaa deyn bixiyuhu sababta oo ah waxay heli karaan lacagaha ay u baahan yihiin. Iyo amaahda ayaa faa iidaysantahay amaahda, maxaa yeelay waxay kasbadaan dulsaar lacagtii ay amaahdaan, abuurista dakhliga shirkadda. Kalsoonida amaahda, wuxuuna gacan ka geysan doonaa hubinta in deyn bixiyuhu uu u qalmo amaahdii markii loo baahdo.

But how does a lender figure out if lending money to a particular individual is a good idea? First of all, they check how much risk is involved in making a loan to an applicant. They consider if the person is working (and how long they have worked), and look at their credit history. Credit helps forecast how reliable a person will be at making payments. This is one reason establishing and working to improve one’s credit score is important – good credit helps a financial institution have confidence in a borrower, and will help ensure a borrower will qualify for a loan when needed. 

Markaad dib u eegayso amaahda ama dalabka amaahda, amaah-bixiyeyaasha waxay raadiyaan ilo dakhli deggan, taariikhda shaqada, iyo meel degenaansho. Waxay sidoo kale qaataan jeegareynta amaahda. Amaahiyeyaasha ayaa warbixin ka soo qaadaya xafiiska amaahda sida Idefax, Partian, ama Grand. Shirkadahaani waxay bixiyaan taariikh faahfaahsan si ay uga caawiyaan amaah-bixiyuhu inuu go’aamiyo haddii musharaxdu u qalmo amaahda. Tusaale ahaan, amaah-bixiyuhu wuxuu arki karaa imisa amaah oo kale oo deyn bixiyuhu uu ka noqon karo mid aan fiicnayn, ama haddii qofku seegay lacag-bixinnada hore.

Haddii qof ku cusub yahay waddanka, oo uusan ku lahayn taariikh deyn ah oo ku taal U.S., waxay la hadli karaan ururkooda deynta ama bangiga si ay gacan uga geystaan ​​aasaasida amaahda. Tani waxay ku lug yeelan kartaa qaadashada amaah yar, oo aamin ah si ay u bilaabaan diiwaanka raadinta ee bixinta amaahda. Qaar ka mid ah xafiisyada amaahda Kudar macluumaadka lacag bixinta ee adeegyada (sida gaaska, biyaha, iyo biilasha korantada) si ay uga caawiyaan sameynta qaababka lacag bixinta.

Dhibcaha dhibcaha waa sawirka sida ugu wanaagsan ee qofku u maareeyo oo uu dib ugu celiyo lacag. Qofka leh dhibcaha dhibcaha sare wuxuu si fudud ugu qalmi karaa amaah marka loo eego qof leh dhibcaha dhibcaha dhexe ama hooseeya. Waa muhiim in lala socdo amaahda loona wanaajiyo si kasta oo ay suurogal tahay. Tani waxay sameyn kartaa farqiga u dhexeeya helitaanka ama loo diido si loo helo ama amaah shaqsiyeed ama xitaa amaah guri. Dhibcaha dhibcaha qofka ayaa waliba kaa caawisa go’aaminta saamiga dulsaarka lagu lifaaqan doono amaahda iyo xisaabaadka amaahda. Guud ahaan dhibcaha ugu fiican ee dhibcaha, hoos udhaca dulsaarka.

Macluumaadka ku jira buundooyinka amaahda waxaa ku jira magaca soo socda

  • Magaca macluumaadka shaqsiyeed, cinwaanka amniga bulshada, taariikhda dhalashada, iyo kaararka shaqada ee
  • Credit accounts: loans or credit cards, including spending limits or loan amounts, and payment histories 
  • Su’aalaha amaahda Tirada timereeyadaha kale ee deyn bixiyayaashu waxay ka baaraandegayeen jeegga amaahda ee warbixinta amaahda amaahda ee suurtagalka ah.
  • Diiwaanada dadweynaha iyo uruurinta Macluumaadka dadweynaha ee maxkamadaha gobolka iyo degmada, oo ay ku jiraan khasnadihii, iyo deynta la soo dhaafay oo loo diray aruurinta, kaas oo sidoo kale u muuqda warbixin ka mid ah.

These are some ways credit is used: 

  • In Go’aaminta dulqaadka dulsaarka ayaa ka fiican dhibcaha dhibcaha qofka, hoos udhaca dulsaarka. Xitaa farqiga boqolleyda yar ee yar ayaa badbaadin kara boqolaal doolar oo ku saabsan nolosha amaahda.
  • Si aad ugu qalanto amaah ama xisaabta amaahda haddii qofku seego lacagaha ama uu leeyahay deyn aad u badan, amaah-bixiyeyaasha ayaa laga yaabaa inay wax ka beddelaan amaah ama xisaabta amaahda.
  • To rent a home or apartment: Some landlords require a credit check to rent a house or apartment. Payment history can be critical in this situation. 
  • Xaqiijinta caymiska caymiska guriga ugu wanaagsan ee guriga iyo gawaarida gawaarida waa la hubin karaa marka amaahdu si fiican loo maareeyo. Arimaha deynta ayaa dadka ka dhigi doona inay dadka u muuqdaan kuwo khatar ku ah kooxo caymis.
  • Joogtaynta dhibcaha dhibcaha wanaagsan waxay ka caawin kartaa loo shaqeeyayaasha inay go’aamiyaan sida ugu wanaagsan ee codsaduhu u fahmo maaraynta lacagta.