Ziyintoni i-Credit Bureaus?
Ziyintoni i-Credit Bureaus?
Nanini na xa ufaka isicelo semboleko, ababolekisi bafuna ukwazi ukuba uya kuhlawula imali mboleko. Ukubanceda baqaphele loo nto, bajonga imbali yakho yokuboleka: uboleke imali kwixesha elidlulileyo, kwaye ngaba ubuyisela imali leyo mboleko?
Iingxowa-mboleko zemboleko zinolwazi olubolekisa ababoleki.
I-ofisi ye-credit bureau isebenza njengedatha yolwazi malunga nawe. Le ngcaciso isetyenziselwa ukudala amanqaku emboleko , apho abaninzi abanokubolekisa basebenzisa njengendlela yokuvuma imboleko yakho. Idatha eluhlaza, ngaphambi kokuba isetyenziswe ukudala amanqaku ekhredithi, iyaziwa njengengxelo yakho yekhredithi.
Iingxelo zakho zeentengo zemboleko zibonisa ukuba zeziphi ii-credit bureaus ziyazi ngawe, kwaye uvumelekile ukuba uzijonge ezi ngxelo mahhala ngonyaka .
Iingxowa-mali zesikweletu ziqokelela kwaye zithengise idatha. Akunakugqiba isigqibo sokuba ingahlawulwanga yini na okanye umboleko wakho. Umzekelo, xa ufaka isicelo semboleko, ibhanki yakho ingafuna ukufumana amanqaku akho. Iprojekthi yokumboleka ngekhredithi (ngokukodwa inkqubo yekhompyutheni) yenzelwe i-FICO , kwaye idatha ingavela kwi-Experian, enye yeenkundla zemali ezidumileyo. Ibhankini yakho iya kuthatha isigqibo sokuba yeyiphi iinqununu ezamkelekileyo kubo - okwenza u-yebo wokugqibela okanye ayikho isigqibo-usebenzisa idatha efumaneka kwi-credit bureau.
Ivelaphi iLwazi?
Iingxowa-mboleko zemali-mboleko zifumana ulwazi kwimithombo emininzi-ke iyakuthengisa kwaye ithengise loo ngcaciso kwabanye.
Kusuka kubakhomali: ubuninzi beenkcukacha zivela kubaboleki. Ukuba ubole imali ngexesha elidlulileyo, kunethuba elihle lokuba umboleki wakho uxelele ukuba imali mboleko enye okanye iirejista ezininzi zeentengo zemboleko.
Abanye ababolekisi ababiki umsebenzi wakho wokuboleka, kodwa baninzi abakwenzayo. Ukuba uzama ukwakha inkokhelo (ngenxa yokuba ungenayo imbali yemboleko, okanye ufuna ukuvuselela imbali ephazamisayo), kukulungele ukusebenza nabalimi ababika kwii-credit bureaus.
Iirekhodi zikawonkewonke: ii-ofisi zentengo zemboleko zifumana ulwazi kwiirekhodi zoluntu. Ngokomzekelo, banokufuna ukwazi ukuba unayo na imbali yezigwebo zomthetho malunga nawe, ukuba uke wafaka isicelo sokutshatyalaliswa, okanye ukuba uye wangena kwi-foreclosure . Ababoleki banokujonga kwakhona loo nkcazelo, kodwa kulula ukuba bathenge kuyo kwi-credit bureau.
Eminye imithombo: enye imithombo yolwazi isetyenziselwa ukudala "iingxelo" zeentengo zemboleko. Iimali ezihlawulwayo ezincedisayo, ubulungu, kunye nokunye ngamanye amaxesha kunokuchaphazela ukukwazi ukuboleka. Esikhundleni sokwemveli yeCatch-22 (awukwazi ukufumana ityala ngaphandle kokuba unayo kakade), kukho iindlela ezininzi zokubonisa ukuba unembopheleleko malunga nokuhlawula iindleko.
Iintlobo Zolwazi
Kukho ezininzi zeevenkile zemboleko, kwaye nganye isebenza ngokuhlukileyo. Nangona kunjalo, ezininzi izigqibo ezinkulu zokubolekisa zixhomekeke kwingcaciso egcinwe kwiinkampani ezintathu ezinkulu zokunika ingxelo ngetyala (i-Equifax, i-TransUnion, ne-Experian). Amanye amaziko eentengo zemboleko afuna iindlela ezifanayo zeepateni - ukuba uhlawula rhoqo iindleko.
1. Ulwazi loLuntu
Ulwazi lomntu siqu lunceda iinkampani zokubika ngetyala zemali ukuba zichonge wena kwaye zihlukanise nabanye ababolekayo.
- Igama, idilesi, iNombolo yoKhuseleko loLuntu, umhla wokuzalwa
- Iilesi zangaphambili
- Imbali yokuqeshwa
2. IiRekhodi zikaRhulumente
Iinkampani zokunika ingxelo ngetyala ziqokelela ulwazi kwiinkqubo zenkundla. Oku kuquka kuphela izahlulo ezimalunga nezimali zakho (akukho zithekiti zendlela, umzekelo).
- Ukuchithwa
- Iingxowa zerhafu
- Ukuchithwa
- Ukuhlaziywa kwemivuzo
3. Imibuzo
Njalo xa umntu ebuza iinkampani zengxelo zemboleko ngekhredithi yakho, benza irekhodi yalo.
4. Iimpawu zorhwebo
Mhlawumbi inkcazelo ebaluleke kakhulu eqokelelwa yiinkampani zengxelo zemboleko, iirhafu zorhwebo zirekhodi zemali mboleko yakho.
Zichaza iinkcukacha ezibalulekileyo zemboleko nganye. Baya kuhamba ngamagama ahlukeneyo kuxhomekeka kwinkampani yokubika ngetyala, kodwa iimpawu eziqhelekileyo kumdla zi:
- Udidi lwe mboleko
- Igama lomgcini
- Umhla uvulwe
- Umhla womsebenzi wokugqibela
- Ukulinganiswa kwemali
- Ubungakanani bemali
- Isimo se Akhawunti
- Amazwana
- Umthwalo wakho kwi-akhawunti
- Inani elidlulileyo ngenxa
- Intlawulo encinci ngenxa
- Inani lakho lokugqibela lokuhlawula
Bona imizekelo ebonwayo yendlela ezi zinto zijonga ngayo iingxelo zakho zemali:
Akukho kwiNkampani eNgxelo yeMboleko
Iinkampani ezinkulu zokunika ingxelo ngekhredithi aziqokeleli ulwazi kule ilandelayo:
- Ukuhlola i-Bounced (bona i- ChexSystems )
- Uhlanga
- Buhlanga
- Ngesondo
- Izimvo zepolitiki
- Ingeniso
Olunye ulwazi lugcinwe kwiinkampani zokubika ngetyala, kodwa kungaboniswa kwiingxelo zekredithi. Izinto ezimbi ezivaliweyo ngaphezu kweminyaka eyisixhenxe edluleyo ngokubanzi ziwela kule nqanaba. Idata isekho kwinkampani yokubika ngetyala, kodwa ayifakiwe kwiinkcukacha ezininzi zeentengo zemboleko.