1. Ngaba umqokeleli weetyala unokundithabatha?
Enye yemibandela ebalulekileyo abantu abanayo malunga nabaqokeleli beetyala kukuba bangakufikelela phi ukulandela ityala.
Ewe. Abaqokeleli bematyala banokumangalela ngelixa ixesha elide liphantsi kwemimiselo yemingcele - ixesha elide likarhulumente elinciphisa inani lexesha ityala linyanzelekile ngokusemthethweni. Ukuba umqokeleli wetyala uyakukukhathaza, ungawahoywa. Ngaphandle koko, umqokeleli unokufumana isigwebo esingagqibekanga kuwe kwaye kamva ahlaziye umvuzo wakho okanye ahlawule i-akhawunti yakho yasebhanki. Xhagamshelana nommeli ukuba ufumene i-summit of lawsuit from a collector.
2. Ngaba umqokeleli wetyala unokuthatha indawo yam?
Abaqokeleli bematyala ngokubanzi abakwazi ukubamba ipropati yakho, kodwa kukho ezinye izinto. Ukuba ityala libophelelwe kwipropati umqokeleli angakwazi ukuyibuyisela kwakhona. Okanye, ukuba umqokeleli ulandelele kwaye ufumane isigwebo kuwe, umqokeleli wetyala unokukwazi ukuthatha indawo ethile njengoko kuvunyelwe yinkundla.
3. Ngaba bandibamba?
Abaqokeleli-matyala abanalo igunya lokubanjwa ngenxa yetyala. Nangona kunjalo, ukuba uyaphula umyalelo wenkundla, umzekelo umyalelo wokuvela enkundleni, ijaji inokukhupha isigunyaziso sokubanjwa kwakho.
Ngokuxhomekeke kwimithetho kwilizwe lakho, unokubanjwa ngenxa yamatyala athile anjengenkxaso engabhatalwa ngabantwana okanye amathikithi ezithuthi.
4. Ngaba unokuxelela intsapho yam okanye nabahlobo ngamatyala?
Abaqokeleli bematyala banokuthetha ngetyala lakho kumzali wakho ukuba uneminyaka engaphantsi kwe-18, lakho iqabane xa utshatile okanye ummeli wakho ukuba unayo.
Ngaphandle koko, kungqinelana nomthetho kubaqokeleli beetyala ukuthetha ngamatyala akho kunoma ubani omnye umboleki-mboleko kunye nesikhokelo seentengo zemboleko.
5. Zivame ukuba zivunyelwe ukuba zibize kaninzi?
Umthetho awucacisi inani leexesha umqokeleli wetyala anokukubiza. Ithetha ukuba abaqokeleli ityala abavunyelwe ukukufownela ngokuphindaphindiweyo ukuba bakucaphukise. Ukuba umqokeleli wetyala ucela ukuba ubuyele emuva, bangase baphule uMthetho woLungiso lweMatyala aMaTyala .
6. Ndiyakwazi ukuyeka ii-call collector call?
Unokumisa umqokeleli wetyala ekubizeni ngokuthumela isicelo esibhaliweyo. Xa umqokeleli wetyala efumana ileta yakho, banokuqhagamshelana nani kwakhona ukuba bakuxelele ukuba baceba ukuqhubeka njani, ukuba baceba ukuqhubeka nantoni na.
7. Ngaba bangabiza umnxeba wam? Kuthiwani ngokundibiza emsebenzini?
Abaqokeleli bematyala banokufownela ifowuni yakho ukuba unike inombolo njengendlela yokuqhagamshelana nawe. Akukho mthetho ochasene nabaqokeleli ababiza umnxeba. Banokukubiza ngomsebenzi ngaphandle kokuba bazi ukuba umqeshi wakho akakakuvumeli ukuba uthathe loo fowuni.
8. Ngaba umqokeleli wetyala angonakalisa i-credit?
Abaqokeleli bematyala bavunyelwe ukubeka i-akhawunti yokuqokelela kwingxelo yakho yekredithi kwaye baninzi. Ngelishwa, ukuqokelelwa kwetyala kuphakathi kwezona ngxelo ezigqithisileyo zeengxelo zekhredithi yakho kwaye ziyakonakalisa kakhulu amanqaku akho.
Ukuhlawula iqoqo kunceda, kodwa akuyikuyicima kwingxelo yakho yekhredithi. Njengoko ukuqokelela iminyaka, kuya kuphazamisa amanqaku akho kwikhredithi ngaphantsi.
9. Ndingayibona njani ukuba iqoqo liseburhulumenteni yam yengxelo?
Unokujonga ityala lakho mahhala ngokuya kwi-AnnualCreditReport.com. Abanye abaqokeleli baxela kuphela kwiziko lesikredenti, ngoko jonga iingxelo zakho nazo zonke ezintathu ezinkulu zemali-mboleko-i-Equifax, i-Experian, ne-TransUnion. Ungasebenzisa kwakhona iinkonzo ezifana ne-CreditKarma.com, i-CreditSesame.com kunye ne-Quizzle.com ukujonga ingxelo yakho yekhredithi mahhala. Ngaphandle koko, unokuthenga i-credit report ingxelo yakho kwi-intanethi ngeyiphi na indawo yewebhusayithi ye-credit bureau.
10. Indlela yokufumana ukuqokelela ingxelo yam yesikweletu?
Kunokuba nzima ukususa ukuqokelela kwetyala kwi-credit report yakho, ingakumbi ukuba i-akhawunti yeqoqo efanelekileyo.
Ukuba iqoqo liyimpazamo okanye idlulileyo umda wokunika ingxelo ngetyala , indlela engcono yokuyikhupha ukuyiphikisa . Unokuzama ukuxoxisana nomvuzo wokucima ityala ongenakhokhanga okanye ukucela ukususwa kokuncedisa ukuba sele uhlawule.
11. Yintoni enokuyenza xa ukuqokelela akuyami?
Awunyanzelekile ukuba ukhokhe iqoqo leqoqo elingesilo lakho. Uphikisana netyala kwi-ingxelo yengxelo yemboleko ukuba ibhalwe. Unokumisa iifowuni zokuqokelela iinombolo ezingalunganga ngokuthumela incwadi ebhaliweyo ecela umqokeleli wetyala ukuba ayeke ukukubiza.
12. Ngaba iqoqo liya kuhamba xa ndingayikhokheli?
Ummiselo wemingcele unokuphelelwa ngetyala elenza ukuba lingaqiniseki ngokusemthethweni - umqokeleli wetyala akakwazi ukukuphikisa. Umlinganiselo wexesha lokunika ingxelo ngekhredithi unokuphelelwa yisikhathi okwenza ukuba kubekho mthethweni ukuba ityala lifakwe kwi-akhawunti yengxelo yemboleko. Ngaphandle kokuba ityala likhanseliwe, uya kuhlawulwa ngonaphakade, nangemva kokuba umda we-casesuit kunye neengxelo zemboleko ziphelile.