Naliphi na uhlobo lwe-akhawunti yezemali linokuthunyelwa kwi-arhente yokuqokelela ukuba uyaphulaphula kwiintlawulo. Xa i-akhawunti ihamba kwiiqokelelo , iya kubalwa kwakhona kuluhlu kwingxelo yakho yekhredithi kwaye isetyenziswe ukubala amanqaku akho. Ngelishwa, ukuqokelela kwetyala kuhlawula amanqaku akho kunye nokuqhubeka nokuchaphazela amanqaku akho emva kokuhlawula imali.
Iindaba ezilungileyo kukuba ezinye iinguqulelo ezintsha zokuthenga izikolo zemali-mboleko zingaboni iqokelela lezikweletu ngaphantsi kweedola ezili-100 kwaye andinakukudibanisa nokuqokelela iityala zonyango.
Nangona kunjalo, ezi ziphuka zinokukulandela emva kweminyaka, kukulimaza amandla akho okufumana imvume yamakhadi amatyala, amatyala kunye nezinye iinkonzo ezisekelwe kwiintengo zemboleko.
Ngombulelo, ukuqokelela kwetyala akuyi kubakho kwingxelo yakho yekhredithi ngonaphakade. I- Fair Credit Reporting Act idinga ukuba ukuqokelela kwetyala kwehla ingxelo yakho yebhanki emva kweminyaka eyisixhenxe. Ukuba unesigwebo esivela ekuqokelelwa kwetyala, isigwebo esingakhokhelwa sinokuhlala kwiirekhodi zakho zemali uze ufikeleleke ummiselo wokunciphisa urhulumente wakho . Okokuba ummiselo wemiqathango ude ngaphezu kweminyaka eyisixhenxe.
Ngaliphi ixesha iNgxelo yokuLika ukuLungisa ukuQala?
Ixesha lokubhengezwa ngetyala lokuqokelela amatyala liqala ukususela ngomhla wokugqithisa okubangele ukuqokelela. Ngokuqokelela okubangelwa kwintlawulo-ntlawulo , iqala umhla wokuhlawuliswa kwe-akhawunti (kungekhona ngomhla wokuqala kweentsuku ezingama-30 ehlawulwa emva kokuhlawuliswa). Ngoko ke, ukuba uqala ukuqala ngoFebhuwari 2013 kwaye i-akhawunti ihlawulwe ngoJulayi 2013, i-akhawunti kufuneka iwele emva kukaJulayi 2020.
Umlinganiselo wexesha lokubhengezwa ngetyala lokuqokelelwa kwetyala kusekelwe kulwaphulo lwenu kunye nomthengi wangaphambili, kungekhona xa umqokeleli wetyala eqala ukuqokelela ityala. Ezinye iinguqulelo zengxelo yakho yekredithi zingaquka ukuhlaziywa okubonisa ukuba iqoqo liya kulahla ingxelo yakho yekredithi, umz. "... uhlelwe ukunika ingxelo kuze kube ngo-06/2014."
Kuza Kufika nini Iqoqo eliKhokhelwayo liwa phantsi kweNgxelo yakho yeMali?
Nangona kungcono ukuhlawula ityala lokuqokelela ityala , ngelishwa, intlawulo ayisususi i-akhawunti kwingxelo yakho yekhredithi ngaphandle kokuba uxoxisane kwangaphambi kokuba i-akhawunti isuswe ngokuhlawula. Ngaphandle kokuba uxoxisana nomvuzo wokususa isivumelwano , ukuqokelela kuya kuhlala kwi-credit report yakho yonke imali yokunika ingxelo yengeniso kunye ne-balance balance due to be updated to $ 0. Iqoqo elihlawulelwayo liya kuba ngcono kumaphulo akho okwereta kwaye iya kubonakala ilungile xa ufaka isicelo sekhredithi entsha.
Iingcamango eziMathandathu malunga Neeqoqo Ziza Kuphela
Kukho iingcamango eziphosakeleyo ezichaphazelekayo malunga nento echaphazela umhla oqokelelweyo uza kuvela kwingxelo yakho yekhredithi. Khumbula ukuba umda wexesha lokunika ingxelo ngokuqokelelwa kweenkohlakalo ezakhokelela ekuqokelelwa kwetyala kwaye akukho mihla okanye umsebenzi.
- Umsebenzi wokuqokelela , njengentlawulo, ilungiselelo lokuhlawula, okanye ukuthetha nomqokeleli malunga netyala. Oku akuqalisi kwakhona ixesha lokunika ingxelo lokuqokelela amatyala. Kodwa okwenzayo kuyichaphazela ummiselo wemingcele eyisiqingatha sexesha esichaphazelekayo esichaphazela ixesha elithile umqokeleli anokukumangalela ityala.
- Iindleko zangaphambili zangoko . Masithi uneminyaka engama-30 okanye engama-60 eyadlulayo ngenxa ye-akhawunti ngo-Juni 2014 kodwa ufumene iintlawulo kwaye ukhokhelwa ngexesha kwiinyanga ezimbalwa. Emva koko wabuyela kwakhona ngoDisemba 2014, awuzange ube khona ngoku, kwaye i-akhawunti yabuyiselwa kwirejista yokuqokelela. Lezo ntlawulo zokugqibela emva kweJuni azichaphazeli umhla wokuqokelela uya kulahla ingxelo yakho yekhredithi kuba wenze i-akhawunti yakho ibe yimilo emihle kwakhona. (Lezo ntlawulo zikhawulezileyo zineempawu eziyiminyaka emithathu yokunika ingxelo, kodwa ziya kuvela kunye nembali ye-akhawunti yasekuqaleni, kungekhona ukuqokelela kwetyala). .
- Umhla i-arhente yokuqokelela ithathe i-akhawunti . Kulo lonke lobomi bokuqokelela kwetyala lakho, ii-arhente ezahlukeneyo zingaqokelela kwi-akhawunti. Ezi zingabonakala kwingxelo yakho yeentengo zemali, kodwa umhla wobugqwetha awuyi kutshintshwa ekubeni kusekelwe kwi-akhawunti yasekuqaleni. Ukuba i-ejensi yokuqokelela ibika umhla ohlukileyo wobugqwetha, unokuphikisana nempazamo kwaye mhlawumbi uphinde uxoshe i-arhente yokuqokelela ngokuphula umthetho we-Federal.
- Umhla i-akhawunti yavulwa , ngaphandle kokuba uvula i-akhawunti kwaye awuzange wenze intlawulo. Oku kunokuba kunjalo nangenxa yezinto ezinjengetyala lezonyango apho ukhokhelwa khona ngosuku olufumanayo iinkonzo.
- Umhla ukuba i-akhawunti ivaliwe ayinayo impembelelo xa iqoqo liya kuvela kwingxelo yakho yekredithi.
- Umhla ukuba i-akhawunti ihlaziywe ayitshintshi umhla oqokelelweyo.
Ukuba uyazibuza xa i-akhawunti yokuqokelela idibanisa ingxelo yakho yekredithi, tshuphela ikopi yengxelo yakho. Unokufumana ihhala kwi-yearcreditreport.com ukuba awukho kakade kulo nyaka. Hlaziya imbali kwi-akhawunti yasekuqaleni ukujonga umhla wobugqwetha kwaye ungeze iminyaka eyisixhenxe kuloo mhla. Kuloo nto xa unokulindela ukuba i-akhawunti yokuqokelela iqale.