Isenzo esibi kunye neGosa lakho leNgxelo yeNtengo yeMali
Umthetho we- Fair Credit Reporting Act , umthetho olawula ukunika ingxelo ngekhredithi, ufuna ukuba uthunyelwe incwadi enobungozi naluphi na isicelo sokuba unqatshelwe ngenxa yolwazi kwingxelo yakho yekhredithi.
Incwadi yesenzo esichaphazelekayo kufuneka icacise izizathu ezichasene ngazo kwaye zikwazise ilungelo lakho lokufumana ikopi yamahhala yombiko wesikweletu esasetyenziswa kwisigqibo. Unemihla engama-60 ukuze ulandele ingxelo yakho yekredithi. Ileta yezenzo ezimbi iya kubandakanya igama kunye nedilesi yeziko le-credit bureau elinike ingxelo yengxelo yemboleko esetyenzisiweyo kwisigqibo kunye nemiyalelo yokuyalela ingxelo ye-credit card yakho.
Ngolunye lwezona zintathu ezinkulu zemali-mboleko zinephepha lewebhu kunye nolwazi malunga nokuhlelwa kweengxelo zeentengo zemboleko.
- Equifax
- Experian okanye ubiza 1-866-200-6020
- TransUnion
INgxelo yeNtengo yeNtengo kuphela kwi-One Bureau
Kwimeko yezenzo ezimbi, unelungelo lokuhlawula ingxelo yekhredithi yamahhala evela kwiziko leebredari owanikezela ingxelo esetyenziswe kwisigqibo somboleki. Ngokomzekelo, ukuba umboleki-mali uhlaziye ingxelo yakho ye-akhawunti yase-Equifax ekusebenzeni isicelo sakho, unelungelo lokunika ingxelo ye-akhawunti yase-Equifax yamahhala.
I-credit bureaus yazi ukuba unika iikopi ekhululekile yengxelo yakho yekredenti ngokusekelwe kwimibuzo yakho yakutshanje yesikweletu .
Qaphela ukuba umbolekisi, kungekhona i-credit bureau, wenza isigqibo sokukhanyela isicelo sakho. Ukuba unemibuzo malunga nokuba unqatshelwe ntoni, umbolekisi uza kubaphendula.
Qinisekisa ukuba ulayishe ikhophi yamahhala yengxelo yakho yekhredithi ukuze uqonde ulwazi olukhokelela ekubeni isicelo sakho siphiwe. Ukuba kukho ulwazi olungalungile kwingxelo yakho yekhredithi, unokuphikisana nayo kunye ne-bureau ye-credit ukuze uyilungise. Xa ingxelo yakho yekhredithi ihlaziywa ngolwazi oluchanekileyo, ungaphinda uhambise isicelo sakho ithuba elingcono xa uvunyiwe.
Ayikho ingxelo yeNtengo yeNtengo xa iNgxowa-mali ayikho into
Uyakwazi kuphela ukuyalela le ngxelo yekhredithi yemali ekhethekileyo xa ingxelo kwingxelo yakho yekhredithi yeso sizathu sokuba unqatshelwe. Umzekelo, ukuba ngaba unqatshelwe ngenxa yokuba imali yakho engenayo iphantsi, awufaneleki ukufumana ingxelo yekhredithi yehhafu phantsi kweli candelo elithile le-Fair Credit Reporting Act. Umniki-mboleko usenyanzelekile ukuba athumele ileta echaza isizathu sokuba unqatshelwe, kodwa ileta ayiyi kufaka imiyalelo yokuyalela ingxelo ye-credit statement.
Usayifumana iNgxelo yeMali yonyaka
Ingxelo yemboleko oyifumanayo xa unqatshelwe inkokhelo yongezwa kwingxelo yesikweletu yonyaka ongayenza umyalelo kanye ngonyaka ukususela kumaziko amathathu eentengo zemboleko nge-AnnualCreditReport.com.