Indlela yokulungisa iiphene kwiNgxelo yakho yeMboleko

Xha ga mshelana ne-credit bureaus okanye ababolekisi bakho

Ukuba uye waphawula impazamo kwingxelo yakho yekredithi , kubalulekile ukulungisa ingxaki ngokukhawuleza. Nangona ukuba awuyi kuceba ukuboleka kwikamva elikufutshane, le nkqubo inokuthatha ixesha elide. Ngaphezu koko, ababoleki nje bajonga i-credit yakho; abanye (njengabaqeshi abangabakhoyo okanye iinkampani zomshuwalense) bafumane ingcamango engalunganga ngawe.

Iindlela ezimbini zokulungiswa kweNgxelo eNgalunganga yeMboleko

Indlela efanelekileyo kakhulu yokulungisa ingxelo yakho yekredithi ukuyihlasela kwiindlela ezimbini :

1. Ukulungisa ingxaki kwi-arhente yokubika ngetyala
2. Yilungisa ingxaki kumthombo wayo: umbolekisi obike impazamo

Masiqale ngeyokuqala-ukulungisa ulwazi kwi-arhente yokubika ngetyala. Ukwenza oko kuya kufuna ukuba wazi ukuba i-arhente yokubhengezwa ngetyala yisebenza njani kwaye yintoni iinkcukacha zenkampani yokubika ngetyala .

Okokuqala, kufuneka ukwazi oko kukuphosakeleyo . Ukuba awubonanga ikopi yakutshanje yengxelo yakho yekredithi, fumana ingxelo yekarhafu yeburhulumenteni yamahhala kwaye ufumani kanye oko kuthetha. Unelungelo lokwenza ubuncinane ingxelo yekhredithi yeehhafu ngonyaka.

Emva koko, qokelela ubungqina obubonisa ukuba i-arhente yeebredari kufuneka iguqule. Uya kufuna ukwenza ikopi yamaxwebhu anxulumene. Unokuphinda uphindwe la maxesha amaninzi, kwaye awufuni ukuphawula okokuqala.

Thumela ileta ngawo onke amaxwebhu kunye nemiyalelo malunga nendlela ekufuneka ilungise ngayo ingxelo yakho yekhredithi. Faka oku kulandelayo:

• Igama lakho elipheleleyo, idilesi, umhla wokuzalwa, kunye neNombolo yoKhuseleko loLuntu
• Nawaphi na amagama angaphambili okanye iilalesi ezisetyenziswe ngexesha lokuphikisana
• Igama lomthengi kunye neenkcukacha ze-akhawunti enombuzo (inombolo ye-akhawunti, xa i-akhawunti ivuliwe, njl.).
• Imiyalelo ecacileyo kwizinto ezingalunganga kwaye ungathanda ukuba zihlaziye ingxelo yakho yekhredithi

• Amanqaku kunye neenkcukacha kumaphepha afakwe

Thumela ileta nge-imeyile ye-USPS okanye i-courier (njenge-UPS okanye i-FedEx). I-arhente yokubika ngetyala kufuneka iphenye amabango asemthethweni ukulungisa ingxelo yakho yekredenti zingakapheli iintsuku ezingama-30, kwaye ziya kukuxelela ngeziphumo emva koko. I-FTC inomfanekiso wesampula omhle kwisayithi yabo.

Njengekhuselo, kuyinto efanelekileyo yokulungisa iimpazamo zakho zeengxelo zemboleko kunye nomboleki obabikeleyo. Thumela ulwazi olufanayo owalithumela kwi-arhente yokubika ngetyala. Emva kweeveki ezimbalwa, biza uze ubuze isenzo esithathileyo. Ukulungisa ingxaki kumthombo kuya kuqinisekisa ukuba unayo ingxaki efanayo kwixesha elizayo.

Nangona ulahlekelwe ngamaxwebhu okubonisa ubungqina bakho, usenokuba nesibhozo ekulungiseni ingxelo yakho yekhredithi. Ingaba unayo iirekhodi okanye awukho, i-agrari yokubika ngetyala iyakufuneka iphande ibango lakho ukuba uphikisana nokufumana ingxelo yakho kwingxelo.

Kutheni Unokuba Ufanele Ulungise Ingxelo Yemali Yakho

Kukho izizathu ezininzi zokuba unokwenza ulungise ingxelo yakho yekhredithi. Ezinye izizathu eziqhelekileyo ziquka impazamo yokubhala kubhaliso kumnye wabathengi bakho okanye iingxaki zekredithi zangaphambili zisaxhunyiwe nawe. Ngamanye amaxesha, iNombolo yoKhuseleko loLuntu inamanani atshintshwe kwaye ityala elibi lidibaniswe nawe.

Kusenokwenzeka ukuba uye waba lixhoba lokutshitshiswa kobunikazi kwaye yonke into ayifumananga kucocwa kule mpazamo. Ngelishwa, njengoko ulungisa ingxelo yakho yekhredithi, unokufuna ukwakha i-credit ukuze ukwandise umtsalane wakho kubabolekisi.