Ingxelo yakho yekhredithi iqulethe ulwazi oluninzi malunga nemikhwa yakho yokuhlawula amabhanki amaninzi asebenzisa ukugqiba ukuba ngaba wenza ishishini kunye nawe nokuba uhlawule kangakanani.
Akunjalo nje nayiphi na ishishini onokujonga ingxelo yakho yekhredithi, ingakumbi ngaphandle kwemvume yakho. I-Fair Credit Reporting Act ivumela kuphela amashishini anenjongo "evumelekileyo" ukujonga ingxelo yakho yekhredithi. Oku kuya kubandakanya into efana nokutsalisa ingxelo yakho yekhredithi ukuze ubone ukuba ufanelekile yini kwikhadi le-credit okanye mboleko.
Nazi ezinye zamashishini onokuzilindela ukujonga ingxelo yakho yekhredithi.
01 Ababolekisi bakho kunye nababoleki
Ukuba sele usenayo ikhadi lekhredithi okanye umbolekisi, umboleki wakho unokujonga i-credit report ingxelo yakho ukuba uthathe isigqibo sokuba uya kugcina i-akhawunti yakho efanayo okanye uyitshintshe. Ukuba kukho ulwazi olungalunganga kwingxelo yakho yekhredithi, umboleki wakho unokuphakamisa izinga lakho lomdla, unciphise umda wakho wesikweletu okanye uvale i-akhawunti yakho ngokupheleleyo.
Amashishini asele wenza i-credit kwaye ayifuni imvume yakho yokubonisa ukujonga ingxelo yakho yekhredithi. Imigaqo yekhadi lakho lekhredithi okanye umboleko mhlawumbi uquka ulwimi ukukwazisa ukuba umbolekisi uya kujonga imbali yakho yekhredithi ngezikhathi ezithile.
02 Abakhongi kunye nababolekisi
Xa ufaka isicelo sekhadi lesikweletu okanye entsha mboleko, ibhanki iya kujonga ingxelo yakho kuqala ukugqiba ukuba uyayivuma isicelo sakho, ukuba unqume ukuba yeyiphi imingalo yemali okanye umboleko wemali ukukunika, kwaye ubeke isabelo sakho somyinge.
03 Abanini bezindlu
Abanini-mhlaba bahlole ingxelo yengxelo yakho yekredithi njengenxalenye yesicelo senkonzo yokuqeshisa ukukhetha ukuba ngaba kufuneka baqeshwe kuwe. Ukuba unokwenkcenkcesha kwangoko, ukukhutshwa kwangaphambili, okanye ukukhutshwa kwirekhodi yakho yekredithi, isicelo sakho sokuqeshisa singanqatshwa.
04 Inkampani Yomshuwalense
Iinkampani zomshuwalense zikhangele ingxelo yengxelo yemboleko ukugqiba ukuba ngaba kufuneka bakuqiniseke kwaye ngeliphi izinga kufuneka banike i-inshurensi. Ukuba unolwazi olungalunganga kwingxelo yakho yekhredithi, njengeentlawulo zexesha elide kunye neengxelo zokuqokelela , unokuba ne-inshurensi ephakamileyo kunabathengi ngaphandle kolwazi olubi.
05 Umqeshi Okhoyo okanye Okhoyo
Abasebenzisi abanokwenzeka basebenzise ingxelo yengxelo yemboleko ukwenza izigqibo zokuqesha. Umqeshi wakho wangoku unokuphinda ahlaziye ingxelo yengxelo yakho yekhredithi ngaphambi kokuba akunike ukuphakanyiswa okanye ukunyuswa. Ukuchithwa, ukugqithiswa kweakhawunti kunye namanqanaba aphezulu a matyala angakugcina ekufumaneni umsebenzi okanye ekufumaneni ukuphakanyiswa okanye ukuphakanyiswa.
Qaphela ukuba abaqeshi abaza kuhlola ingxelo yengxelo yakho yekhredithi, kungekhona i-credit score . Kufuneka nabo babe nemvume ebhaliweyo ngaphambi kokuba bahlole ingxelo yengxelo yemboleko.
06 Abaqokeleli amatyala
Abaqokeleli bematyala bajonga ingxelo yengxelo yemboleko ukuze uthole ulwazi oluya kubanceda baqokele ityala kuwe. Oku kubandakanya idilesi yakho yangoku kunye nolwazi lomqeshi. Basenokujonga ezinye i-akhawunti kwingxelo yakho yeekhredithi ukuqikelela ukuba unokuhlawulela ukuqokelela okanye ayikho.
07 IiNkonzo zoLuntu
Ngaphambi kokuba ukwazi ukusekela iinkonzo, inkampani iya kujonga ingxelo yakho yekhredithi. Bangahlawulisa idiphozithi yezokhuseleko ukuba kukho ulwazi malunga neengxelo zemali-mboleko ezenza ube ngathi ungumthengi onobungozi.
08 Urhulumente karhulumente
Kweemeko ezithile, i-arhente karhulumente inokujonga ingxelo yakho yekhredithi. Umzekelo ukujonga ukuba ngaba unelungelo lokuncedisa uluntu, ukubala iintlawulo zenkxaso yabantwana, okanye ukucwangcisa isicelo sakho selayisensi karhulumente.