Ukuba ubume bakho bebiwe akukho kuhamba ngaphesheya kolwandle. Ukuchithwa kwegama lakho kuthatha ixesha elininzi kunye nemigudu kwaye ngamanye amaxesha imali. Amaxhoba ekutshitshiswa kobunikazi ahlala esweleka iinyanga kwaye kwaneeminyaka emva kokuba kwenzeke. Kungabonakala ngathi nguwe owenza ixesha nangona wawungeyena owenze ubugebengu. Ukuthintela ubungqina bakho kwibabiweyo, okanye ukuthintela ukwebiwa kwezazisi ngokutsha emva kokuba isazisi sakho sele sebiwe, unokucinga ngokukhupha ingxelo yakho yesikweletu.
Indlela iFreeze Freeze isebenza ngayo
Ingxelo yakho yekhredithi iqulethe ulwazi malunga neendlela zakho zokuhlawula abathengi nabathengi basebenzise ukwenza izigqibo zemali-mboleko ngawe. Xa ubhafisa ingxelo yakho yekhredithi, ababolekisi nababolekisi abakwazi ukutsala ingxelo yakho yekhredithi okanye amanqaku ekhredithi- inani leenombolo elinikwe ingxelo ye-credit-ngaphandle kokuba unikeze i-credit bureau iphasiwedi ukuvula ingxelo yakho yekhredithi. Ekubeni iibhanki ezininzi zifuna ukukhangela ingxowa-mboleko, isicelo sekhredithi sinokuphikiswa. Unokufakisa ingxelo yakho yebhanki kwii- three ezinkulu ezinkulu zemali-mboleko , kodwa kufuneka zenziwe ngabanye.
Ukhuselo lwezokhuseleko alupheli ngokupheleleyo. Ababoleki kunye nabathengisi obani unayo i-akhawunti banokufikelela kwingxelo yakho yekhredithi kunye namanqaku ngaphandle kokuqala ukuvula ingxelo yakho yekhredithi. Ezinye i-arhente zokuthotyelwa komthetho kunye namanye amaziko karhulumente anokufikelela kwingxelo yakho yekhredithi kunye namanqaku naphezu kwefriji yokhuseleko.
Ifriji ayikuchaphazeli umlinganiselo wakho wekhredithi nakuba kungenza kube nzima kuwe ukuba ukhangele amanqaku akho okweleta kwiiwebhusayithi ze-third party.
Ngaba Ufanele ukhulule ingxelo Yesikweletu sakho?
Cinga ukubeka ukukhutshwa kwokhuseleko kwingxelo yakho yekhredithi ukuba kukho nayiphi na into esilandelayo isebenza kuwe.
- Ube lixhoba lobusela besazisi.
- Inombolo yekhadi lakho lesikweletu libiwe
- I-imeyile yakho ichithwe okanye ibiwe
- Ufuna ukuzikhusela kwiba utshilo
- Ubhalisele kwinkonzo yokujonga ngetyala
UMthetho woRhulumente kunye noKhuseleko ukhululeka
Abaninzi banemithetho edinga i-arhente yokubika ngetyala, i-aka credit bureaus, ukuvumela ukhuseleko lukhuphe kwiingxelo zemboleko. Nangona kunjalo, i-9 ithi (Alabama, Alaska, Georgia, Iowa, eMichigan, eMissouri, eOhio nase-Virginia) ayinayo imithetho enjalo. Kule ndawo, zonke ii-credit bureaus zintathu, zivumela ngokuzithandela abathengi ukuba bafake iingxelo zabo zekhredithi.
Kwiinkoliso ezininzi, i-frozen ehlala isebenza ukususela uze uyisuse. Kwiindawo ezimbalwa, i-frozen iphela emva kweeminyaka esixhenxe. Hlola i-website yee-credit bureau kwiimimiselo zokukhusela ikhuseleko kwimeko yakho.
Iimali zivela kwi-$ 5 ukuya kwi-20 zama-20 ukuya kufakelwa, ukuphakamisa okwesikhashana i-frozen, ukususa i-friji, okanye ukutshintsha i-PIN yakho (inombolo yesazisi yomntu esetyenzisiweyo ukufaka iqhwa okanye ukungafaki i-credit report). Ukuba uye waba lixhoba lokutshintshwa kwezazisi, akukho mrhumo wokumisa ingxelo yakho yesikweletu. Ezinye iindawo ziphinde zikhuphe iimali zabadala kwixesha elithile.
Indlela yokukhupha iNgxelo yakho yeMboleko
Kumele ufeze ingxelo yengxelo yemboleko kwiziko ngalinye lezikole ngenxa yokuba akukho ndlela yokufakramisa zonke iingxelo zeentengo zemboleko ngangoko.
Iimfuno zokumisa ingxelo yengxelo yemboleko kufuneka zenziwe ngokubhaliweyo kwaye kufuneka zibandakanye igama lakho, idilesi, umhla wokuzalwa, inombolo yokhuseleko loluntu, ikopi ye-id evumelekileyo, ubungqina bedilesi (umz. Intlawulo ingenziwa ngetshekhi okanye kwikhadi lekhredithi.
Iimviwo ezizodwa zoLwazi lwezoBhoba
Kwisizwe ezininzi, akufanele uhlawule ukuze ushitshise (okanye ungafaki umfaki) ingxelo yakho yekhredithi ukuba ulixhoba lobusela besazisi . Amaxhoba okuba ulwabiwo kufuneka anikezele ubungqina bokubiwa, oko kukuthi ikopi yemeko yamapolisa , ingxelo yebabi, okanye ingxelo ye-DMV. I-credit bureau ingaze ibuye ibuyise amaxwebhu akho, ngoko thumela iikopi ezingaveliyo. Ekugqibeleni, thumela isicelo sakho ngeposi eqinisekisiweyo kunye neeriti yokubuyisela eceliwe kwi-credit bureau.
Emva kokuba i-credit bureau ifumana isicelo sakho, iya kuphendula ngokuqinisekisiweyo ukuba ingxelo yakho yekhredithi iye yachithwa.
Uya kufumana iPIN okanye iphasiwedi oyisebenzisayo nanini na xa ufuna ukukrazula okwesikhashana okanye ukususa ngokusisigxina i-frozen kwingxelo yakho yekredithi.
Ukukhutshwa kweNgxelo yeMboleko yeMboleko kwiNgxelo nganye yeBhanki
Ukutyelela indawo nganye yeziko le- credit bureau ukuze ufumane ulwazi oluthe xaxa malunga nokubeka umgca wokhuseleko kwingxelo yakho yekredithi.
- I-Equifax: Khuphula i-akhawunti yakho ye-Equifax Credit, 1-800-685-1111 (abahlali baka-NY 1-800-349-9960)
- I-Experian: Yenza i-Freeze ingxelo yakho yeNgxelo yeMali, 1-888-397-3742
- I-TransUnion: Khuphela i-TransUnion Credit Report yakho, 1-888-909-8872
Qaphela ukuba i-credit bureaus inokufumana iindleko eziphezulu zeefowuni kunye nethutho lwewebhu emva kokuphulwa kweenkcukacha ezinkulu kunye nezinye izihlaselo zesazisi. Unokufumana ixesha elide lokulinda umnxeba kwaye unobunzima bokufikelela kwiifom ze-credit bureau kwi-friji yefriji yefriji ngexesha la maxesha.
Unokubeka kwakhona ukhuseleko ngeposi (sebenzisa i-imeyile eqinisekisiweyo). Qinisekisa ukuba uthumele ulwazi olulandelayo kwisicelo sakho:
- Igama lakho elipheleleyo , kubandakanywa nantoni yakho yangaphakathi nayiphi na isisombululo sesizwe (isib. Jr, II, njl.
- Gcwalisa idilesi yangoku , kunye needesi zangaphambili kwiminyaka emibini edluleyo
- D idla ngokuzalwa , inyanga, imini kunye nonyaka
- Inombolo yokhuseleko lasekuhlaleni
- Ubungqina bokuchonga (isib. Ikopi yeelayisensi yokuqhuba yakho, ipasipoti, i-ID yommandla, i-ID yomkhosi, okanye isatifikethi sokuzalwa)
- Ukuqinisekiswa kwedilesi (umzekelo, umrhumo wenkxaso-mboleko, umrhumo wefowuni, hlawula i-stub.
- Intlawulo (tshekisha, umyalelo wemali, okanye ikhadi elikodwa lekhredithi)
Nantsi i-credit bureau idilesi omele ukuyisebenzisela ukuthumela i-application yakho yefriji yokukhusela kunye namaxwebhu.
I-Equifax Security Freeze
PO Box 105788
Atlanta, Georgia 30348
I-Experian Security Freeze
PO Box 9554
Allen, TX 75013
TransUnion LLC
PO Box 2000
Chester, PA 19022-2000