Indlela Yokucima I-ChexSystems Report Yakho

Funda ukuba yintoni kunye nendlela yokulungisa ngayo.

Ukuba nemiba evula i-akhawunti yebhanki? Emva koko unokufumana irekhodi kwi-ChexSystems, i-bhanki ye database isebenzise ukuqinisekisa ukuba awunayo i-akhawunti evelele kwezinye iibhanki. Nokuba unakho ingxelo ye-ChexSystems ukuba unembali yokubhengela ukuhlola okanye ukukhangela i-akhawunti yakho.

Xa ufaka isicelo se-akhawunti entsha, iibhanki kunye neemanyano zamatyala ziya kuqhuba igama lakho ngeChexSystems , kwaye unokukhetha ukungavuli i-akhawunti yakho ngokusekelwe kwingcaciso efunyenweyo kuloo ngxelo.

Ukuba ufumana unembali kwi-ChexSystems, kukho iindlela zokucima ingxelo yakho. Nantsi indlela.

Fumana ikopi yeNgxelo yakho

Unokufumana ikopi yakho ye-ChexSystems ingxelo ngokuvakashela iwebhusayithi yayo kwaye ucele enye. Unelungelo lokunika ingxelo enye ngonyaka ngaphantsi koMthetho oLungileyo kunye noMthetho wokuThengiswa kweMatyala.

Le ngxelo iya kubonisa iibhanki ezikuxelele kwi-ChexSystems. Kuza kubakho uluhlu lweeakhawunti ezivaliwe yibhankini , kunye nayo nayiphi na imali ofunekayo. Imbali yomlando iya kuhlala kwingxelo yakho iminyaka emihlanu, kodwa unokuhlawula imali ehlawulwayo ehlawulwe kwiibhanki. Xa usenza oku, iibhanki ezininzi zinokuqwalasela ukuvula i-akhawunti yakho.

Ukuhlawula ama-balance kwiBhanki

Emva kokuba ubona oko ubolekwa kwaye kuphi, ngoko unokuqala ukwenza iintlawulo ukuhlawula nayiphi na imali ehlawulwayo. Unokuba usenokukwazi ukufumana ezinye zezilinganisi. Zama ukutyelela ibhanki nokuthetha nommeli wenkonzo yabathengi.

Bangase bazimisele ukukhupha zonke okanye ezinye zeetyala kuwe, kuxhomekeke kwiimeko. Ukuba akukho nto, bayakwazi ukuchaza ukuba zeziphi iindleko kunye nokuba lide kangakanani iakhawunti yakho engafanelekanga. Kwakhona, gcinani engqondweni ukuba kuya kufuneka ukuba uqhagamshelane nebhanki ngalinye kunye kwaye usebenze nawo ukuhlawula nayiphi na imilinganiselo.

Unako ukugcina ukuhlawula ibhalansi nganye ngokugcwele; okanye uthethe kwibhanki malunga nokuseka isicwangciso sokuhlawula .

Xa ibhajethi ihlawulwa, cela ukuba baxelele kwiChexSystems ukuba i-akhawunti ihlawulwe ngokupheleleyo.

Ukuphikisana neAkhawunti ekhohlisayo

Kukho kwakhona ukuba umntu uvule i-akhawunti egameni lakho ngaphandle kwemvume okanye ulwazi, owaziwa nangokuthi ulwaphulo lwezazisi . Oku kungenza ube ne-ChexSystems ingxelo.

Kufuneka uthathe amanyathelo athile okuphikisana nale nto kwaye ususwe i-akhawunti kwingxelo yakho ye-ChexSystems. Kwakhona kufuneka ukhuphe ikopi yengxelo yakho yekredithi kwaye ukhangele ukuba utywala apho, ngokunjalo.

Ukuba ufumana ubungqina bokuba utywala kwi-ChexSystems yakho okanye ingxelo ye-credit, landela amanyathelo angezantsi ukulungisa umba:

1. Xhumana nebhanki uze uchaze ukuba awuzange uvule i-akhawunti. Uyakufuna kwakhona ulwazi olusisiseko malunga ne-akhawunti ukuze ulandele ingxelo yakho yamapolisa.

2. Emva kokuba unolwazi, kuya kufuneka ufake ingxelo kwingxelo yamapolisa kwaye uchaze ukuba awuzange uvule ii-akhawunti kunye nokuba ubume bakho bubiwe. Uya kuyidinga ikopi yale ngxelo kwiirekhodi zakho, kunye nenye yebhanki nganye okanye inkampani yekhadi lekhredithi apho i-akhawunti yavulwa ngobuqhetseba.

1. Thumela ingxelo yepolisa kwibhankini, kwaye qha ga mshelana nee-credit bureaus kunye ne-ChexSystems, uchaza ukuba i-akhawunti yavulwa ngokutshintshwa kwe-identity. Uya kufuneka kwakhona ukuphikisana ne-akhawunti kunye neendleko zobuqhetseba, uze uthumele ingxabano kwi-ChexSystems kwi-intanethi. Gcina ukhumbule ukuba kungathabatha iintsuku ezingama-30 ukuze kuzaliswe oku.

Ukuphila ngaphandle kweAkhawunti yeBhanki

Ukuba unika ingxelo kwi-ChexSystems, awukwazi ukufumana ibhanki okanye inkontileka yekhredithi ekulungele ukuvula i-akhawunti yokujonga . Kungaba nzima ukuhlala ngaphandle kwe-akhawunti yokukhangela okanye yokulondoloza kwaye uthatha ucwangciso olucokisekileyo kunye nemali eyongezelelweyo ukuhlawula iindleko zakho. Awukwazi ukufumana i-credit card okanye i-debit card. Ukuhlawula iindleko zakho, ungadinga ukusebenzisa i- oda zeemali okanye nokuba imali xa unako. Kuya kufuneka ukuba ufumane indawo eya kuhlawula isheke sakho kuwe.

Ukuba uqaphele, yenza imali yakho imali, kwaye ubeke imali eceleni kwenyanga nganye, ungaqala ukulungisa imeko. Emva kokuba usula izikali zakho ezibalaseleyo, unokukwazi ukusula ingxelo yakho ye-ChexSystems.

Emva koko, unokuvula i-akhawunti yokutshekisha kunye nokulondoloza, eya kwenza ukulawula imali yakho kunye nokuhlawula iindleko- oku kulula kakhulu. Kwaye kwixesha elizayo, qiniseka ukwakha umzekelo wokugcina i-akhawunti yakho ngokuma kakuhle ukuze ungazitholi kwimeko efanayo kwixesha elizayo.

Ukuhlaziywa nguRachel Morgan Cautero.