Ingxelo yakho yekhredithi iqulethe ulwazi malunga nawe, amatyala akho kunye nemikhwa yakho yokuhlawula. Idlala indima apho uhlala khona, uhlobo lwenqwelo oqhubayo, imali oyihlawulayo inzala, inqanaba le-inshurensi yemoto yakho. Yaye ezo zimbalwa nje zeendlela zakho zokuthengisa iingxelo zemboleko . Nangona i- credit bureaus inomsebenzi, okanye ilungelo ngokuxhomekeka kwindlela ojonge ngayo, yokugcina ingxelo yakho yekhredithi, unamalungelo athile okukhusela kwizenzo ezingalunganga. Ukwazi la malungelo kunokukunceda uqinisekise ukuba ulwazi oluchanekileyo ludweliswe kwingxelo yakho yekhredithi.
01 Unokubona ingxelo yakho yekhredithi.
Ngesinye isikhathi, iingxelo zemali-mboleko zazingabikho kwemida kubo bonke abathengi - awukwazi ngisho nokubona ababoleki benkcazelo basebenzise ukwenza isigqibo malunga nawe. Ngethamsanqa, umthetho ngoku unikezela abathengi ilungelo lokujonga iingxelo zabo zemali. Umthetho awukhawulelwanga kwiingxelo zekredithi, kodwa ezinye iintlobo zeengxelo zabathengi ukuba amabhizinisi asetyenzise ukucwangcisa izicelo zakho.
02 Ungakwazi ukuba ngubani ofikelele kwingxelo yakho yekhredithi.
Ukuba umntu ufaka ingxelo yakho yekhredithi, igama labo liza kubalwa kwiqendu le "Imibuzo" yengxelo yakho yekhredithi. Ngaphandle kokuba ubhalise kwi- monitoring monitor , awuyi kufumana isaziso ngokuzenzekelayo ukuba ingxelo yakho yekredithi isuswe. Kunoko, kuya kufuneka ufumane ikopi yakutshanje yengxelo yakho yekhredithi ukuze ufunde ngubani oyijongayo.
03 Unelungelo lokunika ingxelo yekhredithi yamahhala minyaka yonke.
Ngowe-2003, uMthetho oPhathelene nokuThengiswa kweTyala kunye neNgcaciso unikezela bonke abathengi ilungelo lokunika ingxelo yeentengo zemboleko zonyaka zenkampani nganye egcina iirekodi zakho zematyala.
Unokwenza umyalelo wakho weentengo zemali-mboleko zonyaka zivela kwiintlobo ezinkulu ezintathu zemali-mboleko - i-Equifax, i-Experian, ne-TransUnion, kwi-website ekhethekileyo, i-AnnualCreditReport.com. Le yile ndawo yodwa yokufumana ingxelo ye-credit-annored by urhulumente wakho yonyaka. Ezinye iingxelo zeentengo zemali zekhredithi zingabakho ngeendleko, ingakumbi ukuba isayithi icela inombolo yekhadi lesikweletu.
04 Unokufumana ingxelo yekhredithi yamahhala kwezinye iimeko ezithile, nazo.
Ngaphantsi kwe-FCRA, unelungelo lokunika ingxelo yekhredithi yamahhala ukuba uphelelwe umkhiqizo okanye inkonzo esekelwe kwingcaciso kwingxelo yakho yekhredithi (kufuneka ucele le ngxelo zingakapheli iintsuku ezingama-60), awusebenzi kwaye uceba ukukhangela umsebenzi kungekudala, ufumana inhlalakahle okanye urhulumente uncedo, okanye ube lixhoba lobuqhetseba okanye utywala.
Kule meko, uzakufumana kuphela ikopi yamahhala yombiko wesikweletu oye wasetyenziselwa kwisigqibo esithile sekhredithi.
05 Kufuneka uxelelwe ukuba ingxelo yakho yekhredithi isetyenziswe kuwe.
Ukuba ufaka isicelo semveliso esekelwe kwi-credit okanye inkonzo kwaye uyacinywa ngenxa yenkcazelo kwingxelo yakho yekhredithi, ishishini kufuneka likuxelele isizathu sokuba unqatshelwe , umz. Unelungelo lokufumana ikopi yamahhala yombiko wengxelo-mboleko esetyenziswe kwisigqibo, kodwa kufuneka ucele ukuba ikopi ibhalwe phantsi kwiintsuku ezingama-60.
06 Unelungelo lokuphikisana nolwazi olungachanekanga.
Ukuba ufumana ulwazi olungagqibekanga okanye olungaphelelanga kwingxelo yakho yekhredithi, unokuphikisana ne-bureau ye-credit. I-credit bureau ifuneka ukuba uphenye ingxabano yakho kunye nezoshishino ezinike ulwazi. Emva kophando, i-credit bureaus kufuneka ilungele ingxelo yakho yekhredithi ukuba ulwazi aluchanekanga okanye alukwazi ukuqinisekiswa. Ungakwazi ukuphikisana ngqo nomboleki okanye ishishini elongeze iphoso kwingxelo yakho yekredithi.
07 Unelungelo lokunika ingxelo ngetyala lexeshana.
Olunye ulwazi olubi luhlala kuphela kwi-credit report ingxelo yakho ngexesha elide . Kwiingxelo ezininzi ezingalunganga, loo mda umda iminyaka eyisixhenxe. Kodwa, i- bankruptcy ingakwazi ukuhlala kwingxelo yakho yekredithi ukuya kwiminyaka eyi-10 kuye kuxhomekeke kuhlobo lokutsalwa kwebhanki ozifayileyo. Ukuba ulwazi olungalunganga luhlala kwingxelo yakho yekhredithi emva komda wexesha, ungasebenzisa ingxabano yeengxelo zemboleko ukuze uyisuse.
08 Unokujonga umlinganiselo wekhredithi ngokusekelwe kwingxelo yakho yekhredithi.
Amanqaku akho ekhredithi asekelwe kuphela kwingcaciso ekhoyo kwingxelo yakho yekhredithi. Ngelixa ungafumani umlinganiselo wesikweledu samahhala xa uyala ingxelo yakho yemali yonyaka, usenelungelo lokucela ikopi yakho yamanqaku ekhredithi. Unokuyalela amanqaku akho ekhredithi esuka kwi-FICO okanye i-credit bureaus yemirhumo, kodwa kukho iindlela zokufumana enye inkululeko , njengeCreditKarma.com.
09 Unokulahla ukunikezelwa kwangaphambili kwezicwangciso ngokusekelwe kwingxelo yakho yekhredithi.
Ukuba ibhokisi lakho leposi lihlala lipakishwe ngamanqaku ekhadi lokuthenga ngetyala, unokugxeka ingxelo yakho yekhredithi. Abaniki bamakhadi ngekhadi basebenzise ingxelo yakho yebhanki ukuthumela izibonelelo onokuzifumana. Kodwa, unokumisa oku kunye nezinye izibonelelo ngokukhetha ukukhutshwa kwezibonelelo eziphambi kwesikrini ngokutyelela kwi-www.optoutprescreen.com okanye ufonele ku-1-888-5OPTOUT (1-888-567-8688). Unako ukuhlala ungena emva koko ukuba unqume ukuba ufuna ukuqala ukufumana izibonelelo kwakhona, umzekelo, ukufumana ikhadi elingcono lekhadi kunokuba unayo.
10 Unelungelo lokutshutshisa amashishini aphula amalungelo.
Ukuba i-credit bureau okanye elinye ishishini liphula amalungelo akho e-FCRA, unokukwazi ukufaka ityala kwiNkundla yase-Federal ukuya kuma-$ 1,000 okanye umonakalo wakho wangempela. Unokukhalaza kwakhona kwiBhodi yoKhuseleko lwezeMali yabathengi, i-FTC kunye ne-Attorney General kaRhulumente xa i-credit bureaus kunye namanye amabhizinisi ahluleka ukuthobela i-FCRA.