Ilungelo lakho kwiNgxelo yeNtengo yeNtengo
Umthetho we-Fair Fair and Accurate Transactions Act ka-2003 unikezela abathengi ilungelo lokufumana ingxelo yekhredithi yamahhala minyaka yonke kwi- three bureaus .
Oko kuthetha ukuba, unyaka unokufumana enye ingxelo yekhredithi yamahhala evela kwi-Equifax, i-Experian, kunye ne-TransUnion malunga neengxelo ezintathu zeentengo zemboleko.
I-FTC ihlangene namaziko eentengo zemboleko ukwenzela ukubonelela ngendlela elula, ebantwini kubathengi ukuba bafumane ezi ngxelo zekredithi-nge-yearcreditreport.com. Nangona kunjalo, iindawo zokuphanga zidibanisa abathengi kwaye zikhohlise ukuba zihlawule iingxelo zabo zeentengo zemali.
Izikhwama zeNkcazo zeNtengo
Enye yezona ndawo ziyaziwa ngamaziko ompofu i-freecreditreport.com. Igama lezaziso ngokwayo libonisa ukuba isayithi inikeza iingxelo zekhredithi zamahhala. Nangona kunjalo, ingxelo yengxelo yemboleko oyi-freecreditreport.com ayikho ngokupheleleyo. Kukho imida eqhotyoshelweyo kwaye ukuba awuqapheli, ungagqiba ukuhlawula ukufikelela kwingxelo yakho yekhredithi.
Ukufumana ingxelo yakho yekhredithi "yamahhala" evela kwi-freecreditreport.com, kufuneka ubhalisele ukubhaliswa kwesilingo kwinkonzo yokujonga ngetyala. Ukubhalisela ityala kufuna inombolo yakho yekhadi lesikweletu .
Ukuba ukhohlwa ukukhansela ukubhalisa ngaphambi kokuba ixesha lokuvavanya liphelile, ikhadi lakho lekredithi liya kuhlawulwa kwaye uhlawule nje ingxelo yekhredithi yehhafu. Okubi kakhulu, ikhadi lakho lesikweletu liya kuhlawulwa inyanga nganye uze ukhansele ukubhalisa. Ukuba awuyibukele isitatimende sakho sekhadi lesikweletu ngokukhawuleza, unokugqiba uhlawuliswa iinyanga ngaphambi kokuba uqaphele ukuba iha
Ngo-2005, iForam ye-World Private Forum yafumana i-233 yamahholo e-free credit report, kwaye ezininzi zazo zibandakanya izixhumanisi ezihambelanayo nakwezinye ii-credit bureaus. Akukho nanye kwabaphambukeli ababenokuqhagamshelana nesayithi yangempela yeengxelo zekhredithi zehhafu-yearcreditreport.com.
Indlela Yokuphepha I-Scam
Iingxelo zentengo yeentengo zemali-mboleko zikhohlisayo kwaye zidukisa. Ukuba awuqapheli, ungaphetha ukuhlawula ikhulu leedola ngaphezulu kwi-akhawunti yakho yekredithi. Nantsi indlela yokuphepha ukugxeka:
- Thayipha i-URL (anncreditreport.com) ngqo kwi-browser yakho ukuqinisekisa ukuba uyipela ngokuchanekileyo. Ezinye zeendawo zokuphanga zixhaphaza ii-URL ezingekho phantsi.
- Ungangenisi inombolo yekhadi lakho lesikweletu. Ukufikelela kwingxelo yakho yekhredithi ye-credit free will not require you to enter a number card card. Ukuba ungena kwinani lakho lekhadi lesikweletu, kukho ithuba lokuba inkampani ikhangele indlela yokukuhlawulisa kwixesha elizayo.
- Musa ukubhalisela isilingo samahhala kunoma yiluphi uhlobo lwenkonzo yokuthenga. Awunakufuneka ubhalisele nantoni na ukufumana ingxelo yakho yekhredithi yamahhala.
- Ukuba ubhalisela ukubhaliswa kwesilingo ukuze uthole ingxelo yakho yekredithi, yenza ukuba ukhansele ngaphambi kokuba ixesha lokuvavanya liphele. Ngale ndlela, ikhadi lakho lesikweletu aliyi kuhlawulwa.