Xa unesikhalazo okanye impikiswano nomboleki-mali, umboleki-mboleko, i-credit bureau, okanye umqokeleli weetyala, kukulungele ukuthetha ngokubhaliweyo. Impikiswano emininzi iyinkathalo yexesha kunye neleta, ngakumbi xa ithunyelwe ngeposi eqinisekisiweyo ngesicelo sokufumana irisidi, ikunika itampampu ukulandelela ixesha lokuphendula ibhizinisi. Kwezinye iimeko (njengokuba kukho impikiswano yokuphosa impazamo yekhadi lesikweletu), kufuneka uthumele ileta ukukhusela amalungelo akho.
Nazi iileta zesampula ezisibhozo onokuzenza ngokwezifiso uze uthumele ukujongana nemiba enzima njengeeposenti zentengiso, iingxabano zeengxelo zemboleko , kunye nezicelo zokuqinisekiswa kwetyala .
01 I- Sample Credit Report I-Letter Dispute
02 Isampuli Myeke kwaye unqande incwadi
Ukuyeka nokukhupha incwadi kuya kumisa iifowuni ezivela kubaqokeleli bamatyala .Incwadi iyazisa umqokeleli ukuba awunqwenela ukudibana. Akufanele uvumelane nantoni na okanye uthembisa ukuhlawula kamva (mhlawumbi akufanele uyenze naluphi na olu hlobo), xela ukuba ufuna ukuqhagamshelana ukuphela.
Ukuyeka kunye neleta kuphela kusebenza kumntu oqokelelwa ngamatyala, ngoko kuya kufuneka uthumele omnye ukuba umqokeleli omtsha uthathe elo tyala okanye unamatyala aqokelelwa ngamatyala amaninzi. Ungasebenzisa kwakhona ukuyeka nokuyeka iileta ukuyeka iifowuni zokuqokelela iinombolo ezingalunganga .
03 Ileta yokuVunywa kweziTyala
Kwiintsuku ezingama-30 zokuqala xa uthintelwa ngumqokeleli wetyala, unokuphikisana nokuqinisekiswa kwetyala kwaye ucele umqokeleli akuthumelele ubungqina bokuba ityala lenu lenu. Xa umqokeleli wetyala efumana isicelo sakho sokubhaliweyo sokubhaliweyo, kufuneka bayeke ukuzamelela ukuqokelela baze banikezele ubungqina bentyala.
04 Ileta yesampula yokuCima iKhadi leMatyala
Unokuvala ikhadi lekhredithi phezu kwefowuni, kodwa ukulandelelana neleta kubonelela ukuba ucele i-akhawunti ivalwe ngomhla othile. Ileta inokuthi ifumaneke kakuhle xa kukho ukungavumelani kwesikhathi xa i-akhawunti yakho ivaliwe okanye ukuba ucele i-akhawunti yakho ivaliwe nhlobo.
05 Isampula Ukuhlawula incwadi yokuCima
" Ukuhlawula ukucima " ngumnikelo kumniki-mboleko okanye umqokeleli wetyala ukuba asuse ingxelo yokungena ngetyala ngeenkokhiso zokuhlawula. Unokwenza isithembiso phezu kwefowuni, kodwa ileta esayiniweyo evela kumbolekisi okanye umqokeleli ubungqina obuqinileyo bokuthi isivumelwano senziwe.
06 Isampuli esiphelelwe yisikhathi seNcwadi yoLungiso
Ummiselo wokunciphisa awuyikukhupha umbopheleleko wakho wokuhlawula ityala kwaye awuvumeli abaqokeleli ukuba bazame ukukuhlawula. (Esikhundleni salo sikhawuleza ixesha apho ityala linyanzeliswa ngokusemthethweni.)
Unokwenza isilathisi sekhredithi yesampula kwaye uyithumelele kubaqokeleli beetyala abaqhubeka bezama ukuqokelela kwi-ityala elinemimiselo yokuphelelwa yisikhathi.
Qaphela ukuba ungathethi nantoni yakho kwileta enokuqalisa kabusha umyalelo wemida . Kwaye ukuvuma ukuba unetyala lakho liyakwazi ukuqalisa iwashi, unike umqokeleli ixesha elingakumbi lokukusola.
I- Error error Letter
Abantu abaninzi baqamba ngokukhawuleza umniki-khadi wabo wokuthenga ikhredithi xa bebona iphoso lokukhokha. Yindlela ekhawulezayo yokufumana iimpazamo ngenxa yokuba umniki wekhadi lesikweletu angaqala ukuphanda ngokukhawuleza.
Kodwa, incwadi ebhaliweyo yokubhalwa kwempazamo impazamo imfuneko ukuba ufuna umnikezeli wekhadi ukuba ahloniphe uMthetho wokuTyala ngokuTyala . Umthetho ufuna ababolekisi ukuba baphenye impikiswano yakho ngeli xesha uhlamvu lwenu luthunyelwa ngexesha elithile. Kananjalo ikuvumela ukuba unqabe ukuhlawulwa kwemali ephikisanayo ngexesha uphando luqhubeka.
08 Inqanaba leNzala yeNtshisekelo Yandisa i-Opt-Out Letter
Abaniki bamakhadi bamakhadi kufuneka banike isaziso sokuhamba kwangaphambi kweentsuku ezingama-45 ngaphambi kokuphakamisa inzala. Unako ukuphuma, ngokukhawuleza ukulahla inzala yenzalo, kodwa kufuneka uyenze ngokubhaliweyo ngexesha lokuphuma . Nantsi itekisi enokuyisebenzisa onokuyichitha inzala entsha.