Sekunjalo, ngelanga, abo basesimweni esihle kakhulu sokulungisa ingxaki-kubandakanywa i-arhente karhulumente, ishishini kunye noluntu-abanakuvumelana nendlela yokuyilungisa.
Kukho iintlobo ezintandathu zezinto zokuba utyalo kunye neentlobo ezingaphantsi kweenxalenye nganye.
- Ushishino okanye ukwebiwa kwezazisi
- Ukukhwabanisa kweAkhawunti entsha
- Ukukhwabanisa kwe-Akhawunti
- Ulwaphulo lwezoLwaphulo-mthetho
- Ulwabi loLwazi
- Ubunikazi beCloning
Kubalulekile ukusasaza nokusabalalisa ifomu nganye ukuze kuqondwe uhlobo lwalo, isizathu sokuba iphumelele, kunye neempembelelo zayo kumaxhoba. Akukho konke okubangela ukulahlekelwa kwezimali ngokukhawuleza kwixhoba; ngelixa, nangona kunjalo, kuxhomekeka kwimeko yobume bezazisi, ixhoba liphela liphela lihlawule ngenye indlela. Kule nqaku, siza kuxubusha phezulu 3.
Ushishino lwezoBhishino okanye uLawulo lwezoLimo
Ushishino okanye ulwaphulo-mali lokuthengisa luquka ukusetyenziswa kwegama lebhizinisi ukufumana i-credit okanye ukuhlawula abathengi bezoshishino ngemveliso kunye neenkonzo.
Ngokuqhelekileyo, kodwa kungekho rhoqo, iNombolo yoKhuseleko loLuntu (SSN) yegosa lekhampani liyadingeka ukuba yenze ubusela benkampani.
I-ID ye-Federal ID okanye iNombolo yoLwazi lwaBasebenzi ifumaneka ngokukhawuleza kwiirekhodi zoluntu, iidumpsters okanye ngaphakathi, ngaloo ndlela ukulungiselela lo lwaphulo-mthetho. Abagwenxa abenza ubusela bezobhankini bahlala behlala okanye bengabasebenzi bangoku okanye abangaphaya kootitshala abanokufikelela ngokuthe ngqo kumaphepha osebenzayo ababethelela iincwadi ngokuthanda kwabo.
Amaxhoba ekuloba kwezobhishino ngokuqhelekileyo akafumani ukuba ilahleko zakha ngokubanzi okanye umntu othile ngaphakathi ebona ukungqinelani kwiincwadi. Amashishini alahlekelwa yimali eninzi ngenxa yobume obufihliweyo bokuthengiselana. Ulwaphulo lokuchasana nezoshishino lunokuqhubeka iminyaka engavumelekanga.
Ukukhwabanisa kweAkhawunti entsha
Ubusela benkcazo yemali ngendlela ye- fraud entsha ye-akhawunti ngokubanzi kuthetha ukusetyenziswa kolwazi oluthile lokufumanisa ulwazi ukufumana iimveliso kunye neenkonzo usebenzisa ukuma kwetyala lomntu. Kukho iintlobo ezininzi zokuba ulwabiwo-mali olwenzekayo. Ukuvulwa komsebenzi omtsha, iifowuni entsha okanye i-akhawunti yamakhadi amatyala eyona ndlela ifanelekileyo ye-fraud entsha ye-akhawunti. Ngenxa yokuba isela liyakwazi ukusebenzisa idilesi eyahlukileyo, ixhoba alisoze libona i-bill ye-akhawunti entsha. Xa lolu hlobo lobuqhetseba luquka ikhadi lekhredithi, emva kokuba ikhutshwe iplastiki entsha, ulwaphulo-mthetho luya kuba yimali ngokukhawuleza.
Yintoni edla rhoqo, kodwa kungekho rhoqo, efunekayo kwiinkalo ezininzi zekhredithi kunye nokwenza ubuqhetseba be-akhawunti entsha ye-SSN yexhoba, eye ibe yintsika ebomini kunye. Kanye kwizandla ezingafanelekanga, i-SSN ingaba nemiphumo emibi. Amaxhoba okukhwabanisa kwe-akhawunti ngokuqhelekileyo afunda ukuba ayenamaxhoba xa afumana iifowuni okanye iileta ezivela kubaqokeleli bayi-bill, ekugqibeleni baya kufumana "umnikazi" ofanelekileyo we-SSN.
Amaxhoba angaphinde avunywe ngetyala ngenxa yesicelo sokuboleka imali.
Ukukhwabanisa kwe-Akhawunti
Ubusela benkcazo yemali ngendlela yokukhwabanisa kwe- akhawunti ngokuqhelekileyo kuthetha ukusebenzisa enye i-akhawunti yengxelo yomntu (umzekelo, inombolo yekhadi lesikweletu) ukufumana iimveliso kunye neenkonzo usebenzisa i-akhawunti ekhoyo. Kwakhona kunokuthetha ukukhangela imali kwi-akhawunti yebhanki yomntu. Amanani e-Akhawunti atholakala rhoqo kwi-trash, engena kwi-intanethi, okanye ebiwe kwi-imeyile okanye esuka kwiiphakethe eziphakamileyo okanye iipokethi. Xa amasela afumana le datha, angasebenzisa ulwazi ngokufanelekileyo kwindawo yokuthengisa okanye ukufikelela kwi-akhawunti nganye kwi-intanethi, ngefowuni okanye ngeposi yeenkonzo. Ubunjineli bezentlalo yenkampani ukucwangcisa idata phantse ifunekayo kwinqanaba elithile: Ukukhohlisa ukuguqula idatha ibe yimali, ulwaphulo-mthetho luba njengexhoba.
Amaxhoba amaninzi aqala ukufumana ukubuyiswa kweakhawunti xa bethola iindleko kwiingxelo zenyanga azizange zigunyaze okanye imali ichithe kwii-akhawunti ezikhoyo. Ngamanye amaxesha ixhoba liya kufumana i-akhawunti yabo yasebhanki yonakaliswe ngenxa yeendleko ezininzi ezivela kwiitshekitshi ezihlawulelwayo.