We’ve said this before and we’ll say it again: regular credit score checks help you stay on top of your finances.
Minsan, hindi natin naiisip kung kailan dapat binabalikan ang credit score natin. Hindi sapat na isang beses mo lang ito titingnan kasi kahit nga mga bangko at iba pang lenders ay mas updated pa rito kaysa sa’yo.
Kaya malaking bagay talaga na regular mo itong chine-check katuwang ng mga big financial decisions, gaya ng pagkuha ng loan o panibagong credit card. Heto ang 5 signs na baka oras na para kumustahin ang credit score mo:
Plano mong mag-apply ng loan o credit card.
Kung balak mong umutang o mag-apply ng credit card, knowing your credit score in advance can save you a lot of hassle. A higher score means better chances of approval at mas mababang interest rates.
Matagal mo nang hindi tinitignan ang credit report mo.
Kung more than a year na since nung huling check mo, baka may mga errors o inconsistencies na 'yan na pwedeng makasira sa score mo. Regular checks can help you stay on top of your finances.
Nahihirapan ka nang ma-approve sa loan at iba pang credit applications.
Rejections can be frustrating, pero baka may dahilan. Kung hindi ma-approve sa loan, your credit score might be the issue, so better check and find out how to improve it.
May malaking pagbabago sa buhay mo.
After big financial shifts — like buying a house, starting a business, or even a separation — importanteng malaman kung paano naaapektuhan ang credit standing mo.
Gusto mong i-improve ang financial health mo.
If one of your goals is to build a strong foundation, maintaining a healthy credit score is crucial. Kahit wala naman kinalaman ang credit score mo pagdating sa paghahanap ng trabaho dito sa Pinas, they still play a key role in getting approved for loans and securing better financial deals.
So, take a few minutes to check your credit score — maaaring ito na ang first step mo to that sweet, sweet financial freedom!
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