Planning to buy a house or car, or maybe start a business? Always start with checking your credit score.
Ready ka na ba to take adulting to the next level?
Like with any milestone in life, making big purchases requires big preparations. At ang unang step ay ang pag-check ng iyong credit score — kasi ito ang unang tinitignan ng mga banks and lenders para malaman kung reliable and responsible borrower ka ba bago ka nila i-approve for a loan.
To help you prepare for your first major “adulting” purchase, just tick off the steps in this checklist:
✅ Check your credit score
Una sa lahat, kailangan mong malaman kung saan ka nanggagaling. You should be aware of your credit standing at your big age… kaya buti na lang merong Lista app to help you! You can simply access your TransUnion and CIBI credit scores sa app at an affordable price.
Remember, your credit score is crucial for calculating and predicting your interest rates and loan approvals. The higher the score, the better the offers. Kung mababa naman ang score mo, that’s a sign to work on raising it.
✅ Review your credit report for errors
Minsan, may mga errors sa credit report na hindi mo alam kung paano nailagay doon, kaya mas maigi nang i-check ito agad-agad. Kung may mali sa pangalan mo, address, o account details, it’s better to fix it immediately before it hurts your chances to avail a loan and other forms of credit. Sa Lista app, madali kang makakapag-file ng dispute, at tutulungan ka nila maayos ito in no time.
✅ Reduce your debt
Ang pagkakaroon ng mabibigat na utang o mataas na debt-to-income ratio ay may epekto sa score mo. The ideal credit utilization rate is 15-30%; kaya kung may mga outstanding debts ka, siguraduhin na babayaran mo ang mga overdue accounts at i-manage ang balances para hindi ka magmukhang risky sa mga lenders.
✅ Keep your credit activity steady
Kung may plans kang mangutang, mas mabuting huwag na munang magbukas ng mga panibagong credit cards o loans bago ito mangyari. Ang sudden changes sa credit activity mo ay makikita ng lenders at pwede nilang gamitin ito against you. Bad shot din ito sa credit score mo ‘cause it shows that you rely too much on credit when making purchases.
The lesson? ‘Pag maganda ang credit score mo, mas mao-offer-an ka ng magandang loan terms. Makakakuha ka ng mas mababang interest rates, meaning makakatipid ka in the long run. Para maging smooth ang adulting goals mo, especially when it comes to major purchases, dapat paghandaan ito nang mabuti at maayos ang credit standing mo.
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