Yintoni eyenzekayo Ukuba Ubhala Iimvavanyo ezimbi?
Uninzi lwabantu luyaqhelana nemiphumo ebonakalayo yokubhenkisana nokuhlola :
- Imirhumo: ibhanki yakho - kunye nabani na ababhala phantsi isheke-baya kuthi bahlawulise iifizi ezimalunga ne-$ 35 okanye ngoko ke isheke libuyiselwe. Ukuba uhlawula into ngomhla ofunekayo, uya kujongana neentlawulo "zokuhlawula ngokukhawuleza" (kunye nezinye iingxaki ezinokuvela kwakhona).
- Iimpawu zesikweletu: I -check bounced ayilonakalisi ngokukhawuleza ikhredithi yakho , kodwa kufuneka ulungiswe izinto kwaye wenze inkokhelo yakho. Ukuba uthabatha ixesha elide, umboleki wakho (nokuba ugosa logqirha, umrhwebi okanye umasipala kamasipala) unokuthumela i-akhawunti yakho kwi-ejensi yeqokelela-kwaye ke i- credit yakho iya kuhlupheka.
- Ukuvalwa kwe-Akhawunti: emva kokuvavanywa kwamanani amaninzi, ibhanki yakho inokuvala i-akhawunti yakho ukunciphisa umngcipheko
I-Check Check List
Abantu abaninzi abaqapheli ukuba kukho iinkampani ezininzi zokubika iingxelo zabathengi ezilandelela umsebenzi wakho we-akhawunti. Ukuba uhamba ngezantsi kwi-akhawunti yakho yokujonga ngaphezu kwexesha eliqhelekileyo, ezi nkampani zinokudala iingxaki kuwe. Zininzi zale nkampani zilawulwa phantsi kwe-Fair Credit Reporting Act (FCRA), njenge- arhente enkulu yokwenza ingxelo ngeentengo .
Iintlobo ezimbini zokubambisana ezibangela ingxaki zi:
- Ukuhlawula isheke-xa ubhala isheke, kodwa kubuyiselwa xa ungahlawulwanga xa umntu ezama ukufaka okanye ukukhangela imali
- Imali enganeleyo - xa iintlawulo kwiakhawunti yakho (kubandakanya ukuhlola okubhaliweyo, kwakunye nokudluliselwa kweemali zekhompyutha) kuza kuzisa ibhalansi ye-akhawunti phantsi kwe-zero
I-ChexSystems yenye yeenkampani ezithatha ukuziphatha kwakho kwebhanki. I-ChexSystems isetyenziswe ngokubanzi ngamabhanki kunye neemanyano zeentengo zemali xa uhlola ukuba okanye ungavuli i-akhawunti yokujonga.
Kusemngciphekweni ukuba abathengi bahlasele rhoqo, iibhanki ezininzi ziqhuba uphando kumakhasimende ngaphambi kokuvula ii-akhawunti. Ezinye iinkampani, njengeTeleCheck, Certegy, kunye neNkqubo zokuQalisa eziNgezelelweyo zibonelela ngeengxelo ezifanayo.
Ziziphi i-ChexSystems
I-ChexSystems igcina iirekhodi kubantu abaye (enye indlela okanye enye) bachitha imali engaphezulu kunokuba bekhona kwiingxelo zabo zokujonga, kunye nalabo abaphulaphule imigaqo ethile yebhanki. Ukuba uthe wafaka iitsheki kwixesha elidlulileyo okanye unayo imali kwibhanki, kukho ithuba elihle lokuba usekhompyutheni yeChexSystems.
Amabhanki kunye neemanyano zemboleko zinikela ngolwazi malunga nokuziphatha kwakho kwebhanki kwi-ChexSystems, kunye neminye imithombo ifake isandla. Emva koko, amaziko emali athengisa ingxelo evela kwi-ChexSystems ukufumana ukuba unengxaki kwezinye iibhanki.
I-ChexSystems eyintloko iqulethe ulwazi olubi . Ngamanye amagama, ufumane irekhodi kuphela kuloo ngxelo ukuba unikwe i-checks okanye u-overdrafts kwi-akhawunti yakho yasebhanki. Ukuba akukho nto kwi-ChexSystems ingxelo yakho, yinto entle-kwaye ihluke kwiingxelo zekredithi zokuboleka , ezingcono ukuba unokubonisa imbali eqinileyo yokuboleka nokubuyiselwa .
Iirekhodi ezingalunganga zigcinwa kunye neChexSystems iminyaka emihlanu, okanye kude kube yile bhanki okanye inkontileka yemboleko eyabika ingxaki icela ukuba isuswe.
Nangona kunjalo, naziphi na izipho ezingalunganga ziyakwazi ukuphikiswa (ziya kususwa xa unika ubungqina obaneleyo bephutha okanye ukwebiwa kwezazisi).
I-ChexSystems ayigqibekanga ukuba okanye awuvumelekanga ukuvula i-akhawunti yebhanki. Amabhanki enza eso sigqibo ngokusekelwe kwimigaqo-nkqubo yabo - kodwa uya kuba nenhlanhla kangcono xa ingxelo yakho yeChexSystems ihlambulukile.
Ukufumana izikolo kunye nemibiko
Njengoko zonke i-arhente yokubika ngothengi, i-ChexSystems iyadingeka ukukunika ikopi yamahhala yombiko wakho unyaka ngamnye mahhala. Ukufumana iinkcukacha malunga nokuhlelwa kwengxelo, tyelela iwebhusayithi ye-ChexSystems. I-ChexSystems iphinda idale i-Score yabaThengi, inombhalo esetyenzisiweyo ukuzama nokuqikelela ukuziphatha kwakho kwexesha elizayo. Unokuphinde ulayishe amanqaku akho, anikezelwa mahhala njengaloo mbhalo (kodwa iinkampani zengxelo zabathengi zivunyelwe ukuhlawula iirhafu zamanqaku).
I sibini
Ukuba ingxelo yakho ye-ChexSystems yenza kube nzima ukuvula i-akhawunti, kuya kufuneka ufumane ibhanki okanye inyunyana yekhredithi ekulungele ukusebenza nawe. Unamathuba amaninzi.
Akukho ngqalelo: ayikho yonke ibhanki isebenzisa iingxelo zeChexSystems. Fumana enye, kwaye abayi kuguqula ngokusekelwe kwizinto ezibhalwe kulezo ngxelo. Amabhanki amancinci asekuhlaleni kunye neemanyano zeentengo zemali ziyakubheja ngokugqwesileyo.
Yenza okungafaniyo: ngamanye amaxesha kunokwenzeka ukuba ulandele ityala lakho - cacisa oko kwenzekayo ngeakhawunti zakho zokujonga ngexesha elidlulileyo kwaye kutheni ungalindelanga ukuba izinto ezifanayo zenzeke kwixesha elizayo. Kwakhona, amathuba akho alungileyo kunye neziko elincinci.
Amathuba amabini: ezinye iibhanki, ngomgaqo-nkqubo, zivuyisa ukuvula ii-akhawunti kubantu kwiintlobo zeengcingo ezimbi. Eyaziwa ngokuba yi "akhawunti zengxelo zithuba lesibini," ezi ngxelo zikunika inkululeko encinane yokuchitha, kodwa ubuncinane ungabhalisela idiphozithi ngqo , ugcine imali kunye nokufumana inzala. Ngexesha elide ungasebenzisa indlela yakho ebuyela kwi-akhawunti yasebhanki esebenzayo ngokupheleleyo.
Yeka ukuhlawula iirekhi
Ukuze ugweme iingxaki kwixesha elizayo, gcina ukhuseleko lwemali kwi-akhawunti yakho yokujonga. Qala ukulinganisela i-checkbook yakho rhoqo, kwaye ubone ukuba iindlela zokufumana iintlawulo zisebenza enye engcono (njengekhadi lokubhadela , eliya kukhatywa ngokukhawuleza ukuba unayo imali enganeleyo kwi-akhawunti yakho).