Ukuhlola ingxelo yengxelo yemboleko okungenani kanye ngonyaka - ngokuphindaphindiweyo ukuba uceba ukwenza isicelo semali-mboleko enkulu-kubalulekile kwinqanaba ukuze ufumane naziphi na i-akhawunti ezingezizo. Xa ufumana i-akhawunti engeyakho, ukuyisebenzisa ibalulekile. Ukuba i-akhawunti ine-balance balance okanye imeko engafanelekanga, umlinganiselo wakho wekhredithi unokuchaphazeleka.
I-Akhawunti engalunganga ifumana njani kwiNgxelo yakho yeMboleko
Ngamanye amaxesha ukuphosakela komntu kuyisityholo kwiakhawunti ezingalunganga ezibonisa ingxelo yengxelo yakho yemali.
Omnye usenokuba utshintshile amanani kwinombolo yakho yokhuseleko loluntu. Okanye, kukho umntu onelinye igama elifana neyakho kunye neeprofayili zakho zekhredithi zidibene.
Ngamanye amaxesha, ezi ngxelo ziyimiphumo yobuqhetseba okanye ukwebiwa kwezazisi. Oku kuyinyani ngokukodwa ukuba kukho iingxelo ezininzi kwiingxelo zakho zekhredithi ezingezizo.
Indlela yokususa ama-akhawunti angamaxoki
Ngethamsanqa, kukho inkqubo ecacileyo yokucima ingxelo yakho yeekhredithi zeeakhawunti ezingezakho. Ngamanye amaxesha inqubo isebenza okokuqala, ngamanye amaxesha unokuphinda uthathe okanye uthathe enye inkqubo yesenzo ukucoca ngokupheleleyo ingxelo yakho yekhredithi.
Qala ngokuyalela iirekhodi zakho zeentengo zemali kwii-three ezinkulu zemali zemali-Equifax, Experian, kunye ne-TransUnion. Ukuba usuyalile umyalelo, khawula ezinye iingxelo zeentengo zemboleko ukuze ubone ukuba ezo ngxelo ziqulethe ii-akhawunti ezikhohlisayo.
Ukuphikisana ne-akhawunti kunye ne-bureau ye-credit -akhawunti ene-akhawunti echazwe kwi-credit report yakho.
Unokwenza oku ku-intanethi, ngefowuni, okanye ngeposi. Ukuthumela ingxabano yakho nge-imeyile (eqinisekisiwe) kukunika umzila wephepha onokuba luncedo xa i-credit bureau ingayisombululi ingxabano yakho. Umthetho we-Federal unikezela ilungelo lokufakela uxanduva ngokumelene ne-credit bureau engagcinanga kumthetho.
Ukuba unobungqina obuxhasa inkxaso yakho, ungathumela iposi, ifeksi okanye ulayishe lo bungqina. Qinisekisa ukuba uthumele ikopi kwaye ayikho imibhalo yakho yokuqala.
Ngokufanelekileyo, uphando lwe-credit bureau luya kubuyela kuwe kwaye i-akhawunti iya kususwa kwingxelo yakho yekredithi. Unokongeza isilumkiso sobuqhetseba kwingxelo yakho yekhredithi ukuba ucinga ukuba ilanga livula ii-akhawunti ezininzi kwigama lakho.
Ukuphikisana ne-akhawunti kunye nenkampani ebhale i-akhawunti kwingxelo yakho yekhredithi. Uya kufuna ukuba i-akhawunti ivaliwe ukukhusela nayiphi na iindleko ezenziwe kwi-akhawunti egameni lakho. Ukuba nenkampani ifake i-akhawunti njengengqekembe iya kunceda ukuba isuswe kwingxelo yakho yekhredithi.
Yintoni enokuyenza Ukuba iAkhawunti ayisuswanga
Ukuba ingxabano yakho ayiphumelelanga, mhlawumbi ngenxa yokuba ishishini liqinisekisiwe kwi-credit bureau ukuba i-akhawunti ingeyakho. Ukusebenza neli shishini ukubonisa ukuba i-akhawunti iyimpazamo yinqanaba elilandelayo elifanelekileyo lokuthatha elilandelayo. Thetha nomphathi, umphathi, okanye nakwi-vice-president okanye umongameli kwinkampani, unikezela ubungqina bokuthi i-akhawunti ayiyenawe.
Ukuxhalabisa kwiBhodi yoKhuseleko lwezeMali yabathengi kunokukunceda ukuba ufumane i-akhawunti ephawulwe njengobuqhetseba kwaye isuswe kwingxelo yakho yekhredithi.
Ngelixa i-CFPB inganyanzeli inkampani ukuba ithathe isenzo kuwe, ukuba ne-arhente karhulumente ibandakanyeke ingakhuthaza i-credit bureau kunye ne-information furnisher ukuba ikhangele i-akhawunti yakho. Iinkampani ezinembali yokuziphatha kakubi kwezohlwayo ezivela kwiCFPB.
Unelungelo lokumangalela i-credit bureau engenakususa i-akhawunti yebuqhetseba kwingxelo yakho yekhredithi emva kokuba uphikisana. Yingakho kubalulekile ukugcina iikopi zazo zonke iincwadi kunye ne-bureau bureau. Ukuba akukho nto isebenzayo, qhagamshelana nommeli wolungelo lomthengi osebenza kwimeko yakho ukuba axubushe ukuxosha i-credit bureau ngenxa yomonakalo phantsi kwe- Fair Credit Reporting Act .