Unelungelo lokunika ingxelo echanekileyo ngetyala. Ngaphambi ko-2010, uvumelekile ukuba uphikisane neziphene zeengxelo zemboleko ngee-credit bureaus-amashishini aqokelela ulwazi malunga neengxelo zakho zemali.
Ngoku, umthetho utshintshelwe ukuvumela ukuba uphinde uphikisane neziphene ngokukhawuleza ngekhredithi yemakhadi, umboleki okanye nayiphi na ishishini elikuxelele kwi-credit bureau.
Iingxelo zeNgxowa-mboleko zeNgxowa-mali
Ukuphikisa iimpazamo ngqo kunye nomthengisi wolwazi kunokukunceda umphumo wengxabano yakho. Xa i-credit bureau ifumana ingxabano, ihlala iyanciphisa impikiswano yakho kwididi yenani kwaye ithumela loo khowudi kwishishini elinikezela ulwazi oluphikisanayo. Ikhowudi elula ayinakwanele ukuba ichaze ngokupheleleyo ingxabano yakho kwaye ingabuya njengoko iqinisekisiweyo, nangona usithumele ubungqina obuxhasa ingxabano yakho.
Ngokomzekelo, umboleki wakho unokurekhoda intlawulo emva kwexesha. Ukuhlawulwa kwexesha lokugqibela kuxelelwe kwiivenkile zemali - mboleko . Xa ufaka ingxabano kunye ne-bureau ye-credit ucela umboleki ukuba aqinisekise, umboleki-mboleko uthembele kwingcaciso ekhompyutheni yabo, oko kukuthi ukuhlawulwa kwakho kwangoko.
Ukuba endaweni yoko wenze ingxabano kunye nomniki wekhadi lokuthenga ngetyala, uthumele ubungqina bokuba inkokhelo yakho iqhutywe ngaphambi komhla wokugqibela, umbolekisi uya kunyanzelwa ukuba avume ubungqina bakho, ubuyekeze inkqubo yayo ukubonisa ukuba inkokhelo yakho yafunyanwa ngexesha, kwaye i-credit bureau iyakususa intlawulo emva kwexesha lakho kwingxelo yekredithi.
Yintoni ekubandakanya kwiNgxabano
Xa uphikisana nephutha ngokubhaliweyo, ileta yakho yengxabano kufuneka ichane ngokucacileyo oko uphikisanayo kwaye uchaze ukuba kutheni uphikisana nayo. Ukuba unobungqina bokuba uxhasa ingxabano yakho, uquka iikopi, kungekhona okokuqala, kunye nengxabano yakho. Qinisekisa ukuba ufumana idilesi yokusetyenziswa kwamashishini ekubhalisaneni - akusoloko ifana nedilesi yakho yentlawulo. Thumela ileta yakho ngeposi eqinisekisiweyo kunye nokubuyiswa kweeriti eceliwe ukuba ube nobungqina bokuposa kunye nokufumana.
Uphikisana nophando
Xa ishishini lifumana ingxabano yakho, kufuneka ukuba uphenye into oye waphikisana nayo. Banayo inani elifanayo lokuphanda nokuphendula kwimpikiswano yakho njenge-credit bureau - iintsuku ezingama-30 ukususela mhla bafumana ingxabano yakho. Basenokuthatha iintsuku ezingama-45 ukuba benze uphando xa uthumela ulwazi oluthe xaxa emva kweleta yokuqala yokuphikisana.
Ukuba uphando lwabo lubonisa ukuba imbambano yakho ilungile kwaye kukho impazamo kwingxelo yakho yekhredithi, ishishini kufuneka lixele zonke i-credit bureaus yephutha lakho. (Akunakudinga ukwazisa i-credit bureau ukuba i-akhawunti ingabonakali kwingxelo yakho yekhredithi kunye nelo ofisi.) Kuya kufuneka ukuba i-credit bureau ihlaziye i-akhawunti, okanye isuse i-akhawunti ukuba kuyimfuneko.
Iingxowa-mboleko zemali-mboleko zinokukhusela ngokuthe ngqo izinto ezithile ukuba zibekwe kwi-credit report ingxelo yakho, umzekelo, izinto ezibangelwa ubuqhetseba.
Iingxabano ezivuthayo
Ibhizinisi linokumisela ukuba imbambano yakho ingenangqondo okanye ayikho nto xa ungabaniki inkcazelo eyaneleyo yokuphanda ingxabano, umzekelo awucacisi umhla kunye nenyanga yokuhlawulwa kokugqibela oye ubhekisele kuyo. Qaphela ukuphikisana into efanayo ngexesha eliqela. Amashishini anokugqiba impikiswano yakho yinto eqhelekileyo ukuba iyinto efanayo nenye ingxabano oyenzile kwishishini okanye kwi-credit bureau kwaye ukuba ishishini seliye laphanda le ngxabano.
Ukuba impikiswano yakho iyinto eqhelekileyo, ishishini kufuneka likuthumele isaziso kwiintsuku ezingama-5 zoshishino. Izaziso kufuneka zibandakanye isizathu sokuba impikiswano yakho ithathwa njengento eqhelekileyo, kodwa amashishini avumelekile ukuba athumele iifomu zefomu zemiyalezo ukuze ziphendule kuwe.
Le mithetho ayisebenzi kwiinkampani zokulungisa iitaliti okanye iifom ozisebenzisayo ezinikezelwa yinkampani yokulungisa iitaliti.