Ubusela bokuba nobuqhetseba buyikrakra kodwa kukho izixhobo zokuncedisa
Into engenakucingeka yenzekile. Uvele ufunde ukuba ubuni bakho bubiwe. Ngoku kuthweni?
Okokuqala, ungakhathazeki. I-panic yintsiba yakho eyona mbi kunayo nayiphi na imeko kuba inokukunceda ukuba uthathe amanyathelo angenakuncedo. Kunoko, zama ukuhlala uxolo. Kungathatha ixesha elide ngaphambi kokuba yonke into ibuyele eqhelekileyo, kodwa ezi zinto zinokukunceda ukuba uphinde uphinde ulawulo lwesazisi sakho kungakhathaliseki ukuba usebenza phi.
01 Ngokukhawuleza Emva kokufumanisa ulwazi lwakho lwabiwe
Esinye isihluthulelo sokubuyisela kwibaphulo besazisi ngokukhawuleza kukuthatha isinyathelo ngokukhawuleza. Ukubika ukweba kwiarhente ezilungileyo kubalulekile. I-Federal Trade Commission (FTC) Ukuchonga i-Woft ofisi kufuneka ibe yinkampani yokuqala odibana nayo.
02 Emva kweNgxelo yoLwabiwo loLwabiwo oluQalayo
Emva kokufakela izikhalazo zokuba utywala nge-FTC kunye nee-arhente zokunyanzeliswa komthetho wendawo, yintoni elandelayo? Kunzima ukwazi indlela yokuqhubeka. Isiqalo sakho sokuqala kukulwa neengxaki njengoko zivela. Kodwa kukho indlela engcono.
Esikhundleni sokulinda ukufumanisa ukuba zeziphi iinkalo zobomi bakho ezichaphazelekayo ngokutshitshiswa kobunikazi, ungaqalisa ukujonga ingxelo yakho yekredithi kunye nokulawula nayiphi na umonakalo owenziwe ngemali. Ekubeni ubuninzi bobusela besazisi bufunyenwe ngenxa yemonakalo yemali eyenziwe, le yinyathelo elibaluleke kakhulu ekuphumeni kwakho.
03 Ukulungiswa Kwetyala Lakho
I-arhente yokubika ngetyala (i-CRA) njenge-Equifax kunye ne-Experian iqokelela ulwazi malunga nemvelaphi yakho yemali kunye nomthetho. Le ngcaciso isetyenziselwa ukuqokelela ingxelo yengxelo yemboleko. Ukuba uchithe ixesha lokuphila uhlawula iibhokhwe zakho ngexesha kwaye uhlala ejele, ingxelo yakho yekhredithi iya kubonisa loo nto.
Iingxelo zetyala zithengiswa kubabolekisi, abaqeshi, abaqhankqalazi kunye nabanye abafuna okanye bafuna ukwazi ukuba unobungozi obuhle. Ngokusekelwe kwingxelo yakho yeentengo zemali, unakho okanye ungaqeshwanga umsebenzi, unikele ngemboleko, okanye unikwe imali yokuboleka imali.
Xa ubume bakho bebiwe, kukho ithuba elihle kakhulu lokuba i-credit yakho iyancitshiswa. Ngenxa yoko, ingxelo yengxelo yakho yemali ingabonakalisa iingxaki ongazange uzibange, kwaye oko kunokubangela imiba enzulu kumgca. Ngethamsanqa, unokuyalela ikopi yamahhala yeengxelo zakho zekredenti kwiwebhusayithi evunyelwe nguRhulumente AnnualCreditReport.com.
Ukuba ufumanisa iingxaki ngeengxelo zekhredithi zakho, kuya kufuneka udibanise ngqo ngokubeka uqaphelo lobuqhetseba okanye ukhuseleko kwifayile yakho yekredithi uze ulungise iimpazamo. Ukwenza oko, unokuqhagamshelana neentengiso ze-credit.
04 Ukuqonda amaLungelo akho njenge-Identity Victor Victim
Nangona uhamba ngokukhawuleza kwaye uphatha yonke into ngokufanelekileyo, uya kuhlangana neendlela zokufumana ulwazisi. Ezinye zezo njongo ziyakusulwa xa uqonda amalungelo akho njengomthengi. I-Federal Trade Commission (FTC) ingakwazisa ngamalungelo akho.
Yiya ku-https: //www.identitytheft.gov/, apho uza kufumana iinqununu ezininzi ezivela kwi-FTC. Phakathi kwamanye amathuluzi, uya kufumana isicatshulwa-nyathelo-sinyathelo sokubuyisela, kunye neesampula zokubhala, iinkcukacha zoqhagamshelwano kunye nokunye okuninzi.
05 Musa ukukhawuleza emva kokuba i-Identity yakho ifakwa
Enye impazamo yokuba amaxhoba amaqabane abasabayo acinga ukuba xa bahlambulule umonakalo owenziwe ngobusela besazisi, sele iphelile. Ayonyani. Enyanisweni, akukho konke okuqhelekileyo ukuba amasela angabonakaliswa ukuba ahlasele amaxhoba afanayo ngokuphindaphindiweyo.
I-modus operandi ngamasela azisiyo ukuhlasela elinye ixhoba ixesha eliqela. Ukuthintela amasela ekuhlaseleni ngokuphindaphindiweyo, kufuneka uqaphele rhoqo i-credit yakho kwaye uqaphele ukuhlaselwa kwezabelo zezazisi.