Bonke abantu ababi bafanele bayenze ukufikelela kwenye yeenkcukacha zakho zobuqu, njengenombolo yakho yoKhuseleko loLuntu, kwaye konke kulula.
Yintoni eyoyikisayo ngakumbi kukuba bayakwazi ukufumana le ngcaciso kumashishini abamnyama abaqeshwa abafanayo abasebenza kwiindawo zonyango (ebizwa ngokuba yi-insider fraud). Ezinye zazo zidibanisa kwiinkcukacha zolwazi.
Iingqungquthela zokuLinda
Kukho iziqhelo ezimbalwa ezi zifana nokutsala:
Ukubhengezwa kweNyango yokuPhathwa kakubi : Emva kokuba amasela enolwazi lwakho, ahlawula isicwangciso sakho sezempilo sokunyanga. Bona kanye abantu othembela ekuncedeni wena, njengogqirha, basenokungena kwizenzo.
Ukuthengwa kwezidakamizwa: Amasela ezokwelapha angasebenzisa ulwazi lwakho ukuthenga iziyobisi ezingekho mthethweni. Emva koko bathengisa la mayeza okanye bawasebenzise ukunyusa izilwanyana zabo.
Yenza i-Free Treatment: Olunye ugaxeko kukuba ama-ID amasela asetyenziswa ngonyango angasebenzisa ulwazi lwakho ukuze afumane unyango lwamahhala ngenxa yokuba ayinayo imigaqo-nkqubo yawo.
Iindleko zoLwazi lwezoTyhulo
Ezi zikhwabaniso ziyakuthi zihlawule amawaka eedola, kodwa kuninzi kunoko:
Ukulahlekelwa koMgangatho wezeMpilo: Unokulahlekelwa ngumsebenzi wakho wezempilo ngenxa yezi ngxaki. Lawa masela angaphumelela imida yakho, kwaye ke unokuba nengxaki enkulu ukuba unenxunguphalo yonyango.
Ukutshabalalisa Umlando Wezitalathisi: Lawa masela ahlala akha izindlu ezinkulu kwiibhedlele egameni lakho, aze aphele ngaphandle kokulandelwa.
Oku, ekugqibeleni, ekugqibeleni uye kwiiqoqo, kwaye ungeke ukwazi ukuba abadelekisi baqale ukudibanisa nawe.
Amarekhodi amanga: Ezi zonyango zingabonakala nakwiirekhodi zakho zezokwelapha, kwaye oku kunokuba yingozi kakhulu okanye nokuba yingozi, njengabasebenzi bezonyango bathembele kule nkcazelo ukunika iyeza kunye nokunika unyango.
Iikhompyutri eziphezulu: Kwakhona kungenzeka ukuba iiprayimari zakho zikwazi ukuphakama ngenxa yezi ngxaki.
Indlela yokulwa kwakhona
Kukhona ezinye izinto onokuzenza ukulwa nale mikhwazo:
Jonga ngokukhawuleza kwi-EOBs: Njalo thabatha kakuhle, khangele kwiNgcaciso yakho yeeNzuzo (i-EOB), i-EOB yakho, oya kuyo evela kwinkampani yakho yinshorensi yempilo. Ukuba ubona unyango ongazifumananga, khawuleza wazise umshwalense wakho.
Fumana uluhlu lweeNzuzo: Unyaka ngamnye, cela umgcini-mali wakho uluhlu lwazo zonke izibonelelo ezihlawulwe ngepolisi yakho.
Hlola iiRekodi zezoNyango: Ukuba ucinga ukuba unokuba yintlanzi yobuntshitshi bobuchwephesha, khangela iirekhodi zakho zonyango nantoni na.
Khusela i-Credit yakho: Kufuneka uhlolisise imbali yakho yekhredithi kunye nee-arhente ezinkulu zokujonga iikredithi: i-Experian, i-Equifax kunye ne-TransUnion. Ukuba ubona nantoni na engaqhelekanga, khawuleza ubuze uqaphele ubuqhetseba kunye nekhredithi yekhredithi kwingxelo yakho yekhredithi.
Ngoqapheli lobuqhetseba, ababolekisi banokuqhagamshelana nawe ukuqinisekisa ubungqina bakho naxa befumana isicelo somgca omtsha wekhredithi. Ukuba ubeka i-credit freeze, ithetha ukuba nguwe kuphela, kunye nenombolo yakho yokwazisa, unokufikelela kwi-credit yakho kwaye ukhululeke okwesikhashana ukuvumela ukuhlolwa kwetyala.
Ukulungisa nayiphi na into engalungile: Ukuba kukho iziphoso kwiirekhodi zakho zonyango, khawuleza ulungiswe. Kwakhona, khumbula ukuba nawuphi na umniki-zonyango unokuba nolwazi olufanayo, ngoko qha ga mshelana nesibhedlele, ugqirha, ibhabhu kunye nenkampani yomshuwalense oyisebenzisayo ukuqinisekisa ukuba ulwazi lwabo luchanekile, naye. Gcina ukhumbule ukuba ukulungisa le ngcaciso kunokuba nzima. Nangona ngumthetho ukuba isigulane sivunyelwe ukulungisa iirekhodi zezokwelapha, ezisebenza kuphela xa irekhodi lenziwe ngumniki-zonyango, njengogqirha wakho.
Ukuba ezo zirekhodi zithunyelwa kwisibhedlele, isibhedlele ayinakubophezeleka ukuba uyitshintshe. Nangona kunjalo, unokongeza inqaku kwirekhodi yakho ukuba awuvumelani nolwazi apho.
Fakela ingxelo ngePolisa: Kufuneka uxelele amapolisa ukuba uziva ukuba ulixhoba lobusela bezokwelapha.
Fayile Ingxelo kunye noRhulumente: Kufuneka ufake isikhalazo malunga nesiganeko ne-Federal Trade Commission. Unokwenza oku kwiwebhusayithi yeFTC okanye ngokubiza 1-877-438-4338.