Enye yezona zinto zibalulekileyo zokukhuseleko lomntu siqu ukukhuselwa kwezazisi. Kanye njengoko ungathatha amanyathelo okukhusela ubomi bakho, ikhaya lakho, intsapho yakho kunye nepropati yakho, kufuneka uthathe amanyathelo okuqinisekisa ukuba umntu kuphela osebenzisa ubunikazi bakho, eneneni.
Kukho ukungabikho kobala kwihlobo lokukhuselwa olupapashwe. Okokuqala nokuphambili, ukukhuselwa kobunikazi kufuneka kuvelele.
Ukuba uthengisa lo khuselo, kufuneka ukwazi ukuba uza kufumana ntoni, uza kwenza ntoni, kwaye yiziphi iindawo ozifumanayo.
Uninzi lweenkonzo ezibonelela ngenjongo yokukhusela ulwaphulo-mali lunesiqinisekiso esithile esisekelwe kwimali okanye i-inshurensi. Kananjalo zihlala ziquka ukubuyiswa, uncedo lokubuyisela, kunye nesici 'sokujonga' esingenakwenzeka. Nangona kunjalo, ezi nkampani aziqhelanga nantoni na iinkcukacha malunga nokubeka iliso. Abathethi ukuba benza njani, umzekelo. Ukubeka iliso kunokuthetha ukukhangela kwiwebhu kunye ne-Google okanye enye injini yosesho, into onokuyenza ngokwakho, ukukhangela idatha yakho kwiinkqubo ezithile. Ukubekwa iliso kunokuthi ukubekwa kweliso kwi-credit, apho inkonzo iya kukuphawula ukuba enye ye-credit bureaus ibonisa imisebenzi engaqhelekanga kwingxelo yakho yekhredithi.
Ezi nkonzo ezifanayo zinokuthi zibancede ukuba ixhoba lizuze nasiphi na isenzo sobusela bezazisi, kodwa ukuba ufunda ukushicilelwa okulungileyo, kuya kuchaza ukuba inkampani iyancipha kwizinto abakwenzayo ngokwenene.
Ezi nkonzo zinokukuxelela xa ulwazi lwakho lomntu siqu, njengeNombolo yoKhuseleko loLuntu, igama, udoti okanye inombolo yekhredithi, njl, isetyenziselwa ukwenza ulwaphulo-mthetho okanye ubuqhetseba. Kwakhona kufuneka baqhubeke kunye ne-landscape yolwaphulo oluqhubekayo, kwaye banikezele inani leendlela zokukhusela, kuquka ukufumana, ukubeka iliso, izilumkiso ezizenzekelayo kunye namava abathengi abahle.
Iinkampani ezinikezela ngokukhusela ubusela ngokuqhelekileyo ziqhelekileyo iinkampani zokuthengisa ezenzile uhlobo oluthile lwenkonzo ngaphandle kolwazi oluyisiseko lwolu hlobo lokhuseleko. Iinkampani zikhohlise nge-hook kwaye zihlawule phakathi kwe-$ 100 kunye ne-200 zamawaka ngonyaka. Oko bangathethiyo, nangona kunjalo, kukuba ayenzi okungakumbi kunokujonga kwi-intanethi yedatha yakho ... kwaye ukuba ulwazisi lwakho luphela lubiwe, banokukunika iingcebiso xa ulungisa. Oko benzayo apha banethemba lokuba kuphela abaxhasi babo baya kuba lixhoba lobusela besazisi.
Iinkampani zekhadi lesikweletu, iinkampani zomshuwalense kunye neebhanki zonke zinikeza uhlobo oluthile lokukhusela ulwaphulo. Uninzi lwale 'iinkonzo zeleyile ezimhlophe,' eziza kubonakala ngathi zivela kwinkampani sele usenza ibhizinisi. Xa ukhetha ukutyalomali kulolu hlobo lokukhusela, ungatyili kuyo nayiphi na indlela yokuthengisa eyimimandla eyothatha yonke imali yakho etyalomali kwintengiso. Kunoko, kufuneka ukhethe inkampani eqinile ukukukhusela nokuphatha idatha yakho.
Ngaba Unyanzelekile Ngempela Ukukhuselwa Kwimpahla Yebabi?
Usenokuba ubone izibhengezo zokukhusela ekubanjweni kwezazisi, kodwa ucinga ukuba ubusela obungabonakali buza kwenzeka kuwe.
Ngelishwa, oku kunjalo. Sonke sixhomekeke ekubeni yixhoba lobumba, kwaye ndiyathemba ukuba ndivule amehlo akho kule nto. Akuqinisekanga na? Ukuba unokuthi 'yebo' kwimibuzo elandelayo, usemngciphekweni wokuba utywala:
- Ngaba wena okanye umntwana wakho unenombolo yoKhuseleko loLuntu ?
- Ngaba kukho iibhili egameni lakho, njenge-utility, ifowuni, okanye iibhilidi zekhadi lesikweletu?
- Ngaba uya kwidokotela wamazinyo okanye ugqirha?
- Ngaba wake wakha esibhedlele?
- Unayo ilayisenisi yokuqhuba?
- Ngaba uye wafaka irhafu yengeniso?
- Ngaba uye ekholeji?
- Ngaba usebenzisa intanethi?
- Ingaba unetyala elibi?
- Ingaba unayo i-akhawunti yebhanki?
- Ngaba usebenzisa ikhadi lekhredithi?
- Ingaba uyaphila?
Ufumana iphuzu. Ngaphandle kokuba uhlala phakathi kweemithi ngaphandle kwemisebenzi, efile, okanye engazange ibhalwe phantsi nayiphi na i-arhente, usemngciphekweni wokuba utywala.
Nangona abantu abangenamakhaya bangaba maxhoba ekuthiwa ukwebiwa kwezinto, njengoko kungenzeka ukuba baphendule 'yebo' kule mibuzo.
Ukuqwalasela i-Freeze yeNtengo
Ukuqhwala kwekhredithi yinto onokuyiva. Le nkqubo ikhupha ifayile yekhredithi yomntu, oko kuthetha ukuba umboleki-mboleko akanakukujonga ityala lomntu . Oku kunceda ukukhusela izigebengu ekuvuleni i-akhawunti entsha ngokusebenzisa inombolo yakho yeNgcaciso yeNtlalo okanye igama. Ukuba umboleki-mboleko akakwazi ukujonga i-credit, akunakwenzeka ukuba anike ikhredithi kwisela.
Ukuze le nto isebenze, ke kunjalo, kufuneka ube nefriji yekhredithi kuzo zonke iindawo zemboleko zemboleko . Inkqubo yokufisa i-credit card yomntu ngokuqhelekileyo ibandakanya i-afidavithi enegama lomntu, inombolo ye-Social Security, idilesi, kunye ne-bill, eya kuqinisekisa ubungqina bayo. Kufuneka uhlawule umrhumo, ngokuqhelekileyo ungaphantsi kwama-20.
Xa oko kwenziwa, ubunikazi bakho, ngokubanzi ukukwazi ukuvula i-akhawunti entsha, uvalelwe ngokukhuselekileyo. Khumbula, nangona kunjalo, ukuba kukho amanyathelo ambalwa omele uwathathe ukuze uqiniseke ukuba ubuni kunye neakhawunti ezikhoyo zihlala zikhuselekileyo.
Kukho abantu abangaphezu kwezigidi ezili-10 ngamnye ngonyaka ababa maxhoba ekubabiwa kwezazisi. Abaninzi bala maxhoba babeneenombolo zabo zoNgcoliseko lweNtlalo ezisetyenziselwa ukuvula i-akhawunti egameni labo ngolwaphulo-mthetho. Ukuba ngaba bebe ne-freezeze yekhredithi, nangona kunjalo, oko kuvimba ukufikelela kwifayile yabo yekredithi, oku kwakungeke kwenzeke kubo.
Xa i-credit freezeus isendaweni nganye kwiintlobo ezinkulu ezintathu zeentengo zemboleko, kuya kukwenzeka ukuba isela lingubani ukuba uvule i-akhawunti entsha kuba umthengisi okanye umbolekisi akayi kukwazi ukujonga ifayile yekredithi yomntu. Xa umboleki esebenza ngetyala, banokuphakamisa ifrize okwesikhashana ngokusebenzisa iPIN. Ngale ndlela, iyafumaneka xa uyifunayo, kodwa kungekhona xa ulwaphulo-mthetho luzama ukukwenza.
Nangona ukukhishwa kwekhredithi kusebenza kwaye kubalulekile kwiimeko ezininzi, kuninzi kunzima.
Khumbula, kufuneka uhambise i-afidavithi, oku kuthetha ukuba kufuneka ungenise idilesi yakho, igama, iNombolo yoKhuseleko lweNtlalo kunye nekopi yesikhokhelo ukuqinisekisa ubungqina bakho. Kwakhona unokuba uhlawule umrhumo kwezinye iindawo, nangona ezinye zikhululekile. Unokufumana ulwazi oluninzi ngokukhangela i-state yakho ngokukhangela igama lakho likarhulumente kunye "nekhredithi yekhredithi".
Ngaba Uncedo Lokujonga Ngetyala?
Kwakhona unokuzibuza ngokuthintela ukwebiwa kwezazisi kunye nokuhlolwa kwekhredithi. Okwangoku, oku kufumaneka kuphela njengenkonzo yokubhaliselwa, kwaye ngokuphindaphindiweyo ngenkampani enika ukukhusela ulwaphulo.
Ii-three bureaus zemali, i-Experian, i-TransUnion, kunye ne-Equifax, qhubeka unolindi oluqhubekayo lwembali yakho yematyala, kokubili kokulungileyo nokubi. Uninzi lwabantu aluhlolisisi kwiifayile zabo zekredithi, nangona kunjalo, de kube zifaka izicelo zetyala kwaye ziyacinywa. Okufanayo kuya kumanqaku ekhredithi, ehambelana nomlando wesikweletu.
Xa ukhetha ukubeka iikhredithi, kunjalo, kuqinisekisa ukuba inkonzo ibukeka ubuncinane enye yee-bureaus, kwaye mhlawumbi bonke abathathu, ukubeka iliso lakho ngetyala. Ukuba inkonzo iyazisa nayiphi na imisebenzi engaziwayo okanye engaqhelekanga, baya kuyibika kuwe.
Ukubeka iliso kwi-Credit kukukwazisa xa umboleki-mboleko ecela ukufikelela kwifayile yakho yekredithi, kwaye iya kukuxelela xa kukho ubuqhetseba. Ukuba awukho, umzekelo, ufake isicelo sekhadi lesikweletu okanye umboleko, kukuxanduva lwakho ukuthatha isenzo kwaye ungaqhagamshelana nomthengi umbuzo okanye umniki-wesevisi wenkoba. Emva koko unokuphikisa ukuba khona kwe-akhawunti entsha.
Kuthiwani Ngesaziso Sokuqhatha?
Unokucinga ngokusayinela iziqhelo zokukhwabanisa . Le nkonzo ifumaneka kuphela nakweyiphi enye yeevenkile zemali zetyala. Oku kufaka omnye umgca wokuqinisekiswa kwenkqubo yokwenza isicelo ngetyala. Ukuba ufaka isicelo sesikweletu, okanye ukuba umntu usebenza ngetyala kwigama lakho, xa unesilumkiso sokukhwabanisa, umboleki-mboleko okanye umbolekisi uya kufumana isilumkiso sokuqinisekisa ubungqina bakho ngaphambi kokuba banwe nayiphi na ityala.
Ufanele ukwazi, nangona kunjalo, ukuba iziqhetseba zengqesho zisesigxina, kwaye ziphela malunga neentsuku ezingama-90. Nangona esi sixhobo esihle, sisisigxina, ngoko akusiyo inketho enhle kulabo bafuna ukukhuselwa kwexesha elide ekutshweni kobunikazi.
Ukuba ufumanisa ukuba isazisi sakho sele senziwe ingcipheko, kunokwenzeka ukuba ungeze ixhoba eliphangaleleyo lokulumka kwi-credit report yakho. Ukwenza oku, kufuneka ungenise ikopi yesaziso sakho sokutsalwa kwezazisi efihliweyo kunye ne-arhente yenkqubo yokunyanzelisa umthetho. Esi silumkiso siya kusebenza kwaye sihlale sisisebenzisayo iminyaka eyisixhenxe ukususela ngexesha elifakwe ngalo.
Ukuba uyilungu lezempi elisebenzayo, unokongeza isilumkiso somsebenzi esisebenzayo kwingxelo yakho, nayo. Oku kuya kuhlala kwifayile yakho yonyaka.
Uninzi lwethu asinalo izixhobo, ixesha, okanye ulwazi ukukhusela ngokufanelekileyo ubungqina bethu. Ngaphezulu kweli, kungekho zonke iintlobo zobusela bobuqhetseba okanye ubuqhetseba ezinokuthintelwa, ngoko kukulungele ukuqonda oko kwenzeka. Ekubeni imozulu ekhoyo yenza ukuba kube lula ukuba ii-cybercrime zenzeke, kubalulekile ukuba unolwazi oluthile lokukhusela ulwazisi.