{"id":5667,"date":"2022-08-26T17:07:07","date_gmt":"2022-08-26T17:07:07","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/5-patarimai-kaip-pagerinti-savo-kredito-istorija"},"modified":"2024-11-08T15:36:41","modified_gmt":"2024-11-08T15:36:41","slug":"kredito-istorija","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/lt\/kredito-istorija","title":{"rendered":"5 patarimai, kaip pagerinti savo kredito istorij\u0105"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Jei jau kuris laikas gyvenate Jungtin\u0117je Karalyst\u0117je, grei\u010diausiai kartais pagalvojate apie galimyb\u0119 \u012fsigyti nuosav\u0105 b\u016bst\u0105. Tam, ko gero, prireiks ir paskolos. Bet kad gautum\u0117te toki\u0105, kokios tikit\u0117s, ir tokiomis s\u0105lygomis, kurios b\u016bt\u0173 priimtinos, reikia tur\u0117ti ger\u0105 kredito istorij\u0105.&nbsp;<\/span><\/h4>\n\n\n\n<p><span style=\"font-weight: 400\">Ta\u010diau kas turi jai \u012ftakos? Ar \u012fmanoma j\u0105 pakeisti? \u0160iandien \u0161iuos dalykus ir aptarsime, drauge pasidalindami ir prakti\u0161kais, bet paprastais patarimais, kaip pagerinti savo kredito istorij\u0105.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Tiesa, prie\u0161 pereinant prie j\u0173, turime \u012fsp\u0117ti \u2013 tai n\u0117ra lengvas ir greitas procesas. Ta\u010diau jis tikrai atsiperka.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Atsidarykite vietin\u0119 banko s\u0105skait\u0105<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Jei dar to nepadar\u0117te, b\u016btinai atsidarykite <a href=\"https:\/\/www.transfergo.com\/lt\/blog\/kaip-atsidaryti-banko-saskaita-jungtineje-karalysteje\/\">banko s\u0105skait\u0105<\/a> Jungtin\u0117je Karalyst\u0117je. Naudokite j\u0105 viskam \u2013 s\u0105skait\u0173 mok\u0117jimui, atlyginimui, atsiskaitymams. Jei \u012fmanoma, pasir\u016bpinkite, kad komunaliniai mokes\u010diai taip pat b\u016bt\u0173 j\u016bs\u0173 vardu \u2013&nbsp;reguliarus j\u0173 mok\u0117jimas prid\u0117s jums plius\u0173 kreditoriaus akyse. Idealiu atveju, jiems net rekomenduojama u\u017esistatyti tiesiogin\u012f debet\u0105.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Nebijokite kredito korteli\u0173<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Apie kredito korteles \u012fprasta kalb\u0117ti atsargiai. Ir i\u0161 ties\u0173, su jomis labai lengva prasiskolinti. Ta\u010diau, jei turite kredito kortel\u0119 ir naudojate j\u0105 atsakingai, ji gali pakelti j\u016bs\u0173 kredito reiting\u0105. Kas yra atsakingas naudojimas? Vis\u0173 pirma, s\u0105skait\u0173 apmok\u0117jimas laiku. Pirkiniai tokia kortele, tuo tarpu, tur\u0117t\u0173 b\u016bti svarb\u016bs, ne pernelyg da\u017eni ir i\u0161ties reikalingi.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pasir\u016bpinkite pajam\u0173 stabilumu<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Pajam\u0173 stabilumas \u2013 vienas svarbiausi\u0173 faktori\u0173 j\u016bs\u0173 kreditoriui ir kredito istorijai. Jei \u012fmanoma, \u012fsidarbinkite pagal darbo sutart\u012f, kad kreditorius matyt\u0173 reguliariai j\u016bs\u0173 s\u0105skait\u0105 pasiekian\u010dias pajamas. \u017dinoma, \u012fmanom\u0105 paskol\u0105 gauti ir dirbant savaranki\u0161kai, ta\u010diau i\u0161kart \u012fsp\u0117jame \u2013 tai gali b\u016bti gerokai sunkiau.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Nepra\u0161ykite paskol\u0173 per da\u017enai<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Jei vien\u0105 kart\u0105 kreip\u0117t\u0117s \u012f bank\u0105 ir gavote neigiam\u0105 atsakym\u0105, neskub\u0117kite b\u0117gti \u012f kit\u0105. Kiekvien\u0105 kart\u0105 kreditoriui nesutikus suteikti jums paskolos, tai atsispindi j\u016bs\u0173 kredito istorijoje ir neigiamai paveikia reiting\u0105. Rekomenduojama palaukti nuo 3 iki 6 m\u0117nesi\u0173 prie\u0161 bandant dar kart\u0105.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Nepamir\u0161kite patikrinti savo reitingo<\/b><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Tam, kad steb\u0117tum\u0117te savo progres\u0105, matytum\u0117te, ar einate tinkama linkme ir i\u0161vengtum\u0117te klaid\u0173, nepamir\u0161kite reguliariai tikrinti savo <\/span><a href=\"https:\/\/www.equifax.co.uk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">kredito reitingo<\/span><\/a><span style=\"font-weight: 400\">. \u017dinoma, kasdien&nbsp;<\/span><span style=\"font-weight: 400\">to daryti tikrai neb\u016btina \u2013&nbsp;taip greitai niekas nepasikeis, ta\u010diau bent kart\u0105 \u012f metus rekomenduojama u\u017emesti ak\u012f.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Tikim\u0117s, \u0161is trumpas gidas pad\u0117s jums lengviau susigaudyti kredito istorijos ir reitingo vingryb\u0117se. Svarbiausia \u010dia \u2013&nbsp;tur\u0117ti kantryb\u0117s ir laiku atsiskaityti u\u017e bet kokius \u012fsipareigojimus.<br>\n<\/span>______________<\/p>\n\n\n\n<p><em>Si\u0173skite meil\u0119 ir pinigus su TransferGo. M\u0117gaukit\u0117s greitais, saugiais ir paprastais pervedimais. Pakvieskite savo draugus prisijungti prie TransferGo ir u\u017esidirbkite \u00a320.&nbsp;<a href=\"https:\/\/www.transfergo.com\/lt\/\">Prisijunkite<\/a>&nbsp;jau \u0161iandien! ?<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jei jau kuris laikas gyvenate Jungtin\u0117je Karalyst\u0117je, grei\u010diausiai kartais pagalvojate apie galimyb\u0119 \u012fsigyti nuosav\u0105 b\u016bst\u0105. Tam, ko gero, prireiks ir paskolos. Bet kad gautum\u0117te toki\u0105, kokios tikit\u0117s, ir tokiomis s\u0105lygomis, kurios b\u016bt\u0173 priimtinos, reikia tur\u0117ti ger\u0105 kredito istorij\u0105.&nbsp; Ta\u010diau kas turi jai \u012ftakos? Ar \u012fmanoma j\u0105 pakeisti? \u0160iandien \u0161iuos dalykus ir aptarsime, drauge pasidalindami ir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5668,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1454,1457],"tags":[],"business_case_studies_tags":[],"class_list":["post-5667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asmeniniai-finansai","category-asmeniniu-finansu-patarimai"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/lt\/kredito-istorija","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"5 patarimai, kaip pagerinti savo kredito istorij\u0105","url":"http:\/\/www.transfergo.com\/lt\/kredito-istorija","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/lt\/kredito-istorija"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/220818_OrganicSocial_LT_SMOrganic_blog_01.png?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/220818_OrganicSocial_LT_SMOrganic_blog_01.png"},"articleSection":"Asmenini\u0173 finans\u0173 patarimai","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2022-08-26T17:07:07Z","datePublished":"2022-08-26T17:07:07Z","dateModified":"2024-11-08T15:36:41Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"5 patarimai, kaip pagerinti savo kredito istorij\\u0105\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/lt\\\/kredito-istorija\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/lt\\\/kredito-istorija\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/220818_OrganicSocial_LT_SMOrganic_blog_01.png?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/220818_OrganicSocial_LT_SMOrganic_blog_01.png\"},\"articleSection\":\"Asmenini\\u0173 finans\\u0173 patarimai\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2022-08-26T17:07:07Z\",\"datePublished\":\"2022-08-26T17:07:07Z\",\"dateModified\":\"2024-11-08T15:36:41Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/220818_OrganicSocial_LT_SMOrganic_blog_01.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/posts\/5667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/comments?post=5667"}],"version-history":[{"count":0,"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/posts\/5667\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/media\/5668"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/media?parent=5667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/categories?post=5667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/tags?post=5667"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/lt\/wp-json\/wp\/v2\/business_case_studies_tags?post=5667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}