Susa iziphene zeengxelo zemboleko ngeengxelo zengxelo yemboleko
Akuqhelekanga ukuba iingxelo zekredithi ziqulethe iimpazamo. Nantoni na evela kwiintlawulo ezingapheliyo kwiimali ezingezakho okanye mhlawumbi nokuba u- bankruptcy obiweyo ungaphelisa ngokugqithisileyo kwingxelo yakho yekhredithi.
Ngenxa yokuba amashishini amaninzi asebenzisa ingxelo yakho yekredithi ukwenza izigqibo malunga nokuthenga ngetyala lakho, kubalulekile ukuba ingxelo yakho yekhredithi ichanile.
Umthetho we-Federal unikezela ilungelo lokunika ingxelo echanekileyo ngetyala. Iingxowa-mboleko zemali-mboleko azivunyelwe ukuba zichaze nantoni engalunganga, engaphelelanga, okanye engaqinisekiyo. Ngombulelo kuloo mbandela kwi- Fair Credit Reporting Act , unelungelo lokuphikisa iimpazamo ukuba ususwe kwingxelo yakho yekhredithi.
Hlola iNgxelo yeMboleko yeeNkohlakalo
Indlela efanelekileyo yokufumana iimpazamo zeengxelo zemboleko kukujonga ikopi yengxelo yakho yekhredithi. Kukho iindlela ezininzi zokwenza oku. Unokufumana ingxelo yeekhredithi yonyaka nonyaka kwi-bureau nganye ngonyaka nge-AnnualCreditReport.com. Unelungelo lokunika ingxelo yekhredithi yamahhala ukuba usandul 'ukutshintshwa ngenxa yengxelo yakho yekhredithi ukuba awusebenzi kwaye ucwangcise ukukhangela umsebenzi kungekudala, ukuba ufumana inhlalakahle okanye urhulumente uncedo, okanye ukuba bexhoba lobusela besazisi .
Amanye amazwe anemithetho enokukunika ingxelo kwingxelo yesitalato yamahhala ngonyaka ngamnye ngaphezu kweengxelo zemali-mboleko zamahhala ozifumanayo kwenye imithombo.
Ukuba awukwazi ukufumana ingxelo yekhredithi yamahhala, unokwenza umyalelo omnye kwi-ofisi ye-credit burea ngqo kwi-$ 10 ukuya kwi-20 ye-20, kuxhomekeke kwi-bureau.
Kufuneka uhlaziye zonke iingxelo zeebhanki zakho ezintathu ngenxa yokuba ayifani ngokufanayo.
Kunokumangalisa ukwenza konke oku kanye, ukuze usebenze kwingxelo yekredithi enye ngenyanga okanye kwikota.
Emva kokuba unika iingxelo zeentengo zemali, zithathe ixesha lokuba uzikhangele kwaye uphakamise izinto ukuba zibandakanye kwingxabano yakho yeengxelo zemboleko.
Yazi ukuba yiyiphi iNgxelo yeNgxowa-mpazamo Ngaba unokuphikisana
Ngokwenene, unokuphikisana nantoni na, kodwa phawula ukuba i- credit bureau izakwenza uphando kwaye isuse izinto ezifunwa ngumthetho ukuba zisuse. Unokuphikisa iingxelo zeentengo zemboleko ezingenakulungile, ezingaphelelanga, ngaphandle komhla, okanye okholwayo akunakuqinisekiswa. Izinto ezingalunganga, ngaphandle kwe-bankruptcy, kufuneka zivele kuphela kwingxelo yakho yemali iminyaka engama-7; i-bankruptcy inokuhlala i-10. Ukuba unenqaku elibi elingaphezulu kweminyaka engama-7, ungabaphikisa. Ezinye izinto onokuphikisana ziquka:
- Iintlawulo ezibikwe ngokukhawuleza ukuba zazikho ngexesha
- IiAkhawunti ezingezakho
- Umlinganiselo weekhredithi ezingachanekanga / inani lemboleko okanye ibhalansi ye-akhawunti
- Umthengi ongenakulungile
- Isimo se-akhawunti esingalungile, umzekelo, isimo se-akhawunti esichaziweyo njengoko sidlulileyo xa i-akhawunti ikhoyo ngoku
Qinisekisa njani indlela yokwenza ingxabano yakho
Unokubeka ingxelo yakho yekhredithi kwingxabano kwi-intanethi, ngeposi, okanye ngefowuni. Ukuphikisana kwi-intanethi okanye ngefowuni, kufuneka ulandele ikopi yengxelo yakho yekredithi ngenyanga edluleyo kwaye uya kufuneka ukuba unikezele ngenombolo ye-credit report ukuyibonakalisa.
I-intanethi
Nangona ukuphosa iingxelo zeentengo zemboleko kwi-intanethi zikulungele, kukho ezinye iingxaki. Xa uphikisana kwi-intanethi, unokufumana kuphela iziphumo zengxabano yakho kwi-Intanethi. Ukuba uyaphikisana kwi-Intanethi, unokujonga kwakhona isimo sengxabano yakho kwi-intanethi ngokubonelela inombolo yakho yokuqinisekisa, kodwa unokufumana kuphela iziphumo kwi-inthanethi, kungekhona ngeposi. Ngeke ukwazi ukugqiba yonke inkqubo ye-intanethi njengoko uza kuthunyelwa ngeposi kunoma yimaphi amaxwebhu okanye ubungqina obuxhasa imbambano yakho.
Ukuba ugqiba ukuphikisana neengxelo zekhredithi yakho kwi-intanethi, ungasebenzisa ezi ziqhagamshelana namaphepha amakhulu e-credit bureau ngokuthumela ingxabano yengxelo yesikweletu se-intanethi:
- Equifax
- Experian
- TransUnion
Ngeposi
Ukugqiba impikiswano yengxelo yemboleko ngeposi kuthatha ixesha elide, kodwa kukunika umzila wephepha oya kuwufuna ukuba i-credit bureau ayiphenduli ngexesha elifanelekileyo.
Izithuba zemali-mboleko zinemihla engama-30 ukuphanda nokuphendula kwingxabano yakho yeengxelo zemboleko , okanye iintsuku ezingama-45 ukuba uthumele ubungqina obongezelelweyo ngexesha lophando. Ukuba abaphenduli ngethuba lexesha, unelungelo lokumangalela enkundleni yaseburhulumenteni ukuya kuma-$ 1,000.
Xa uphikisana nempazamo yengxelo yekhredithi ngeposi, kuya kufuneka ubhale ileta ichaza ulwazi olufuneka lususwe kwaye lufake nesizathu sokuba le nkcukacha ingachani. Qinisekisa ukuba uquka ikopi yobungqina bephutha, ukuba unayo. Thumela ileta ngeposi eqinisekisiweyo kunye nokufumana iirisithi efunyenweyo ukwenzela ukuba unobungqina bokuba wenze ingxabano kwaye xa umboleki-mali eyamkele. Qinisekisa ukuba ulandele ixesha elidlule.
Ngaphezulu kwefowuni
Kukho inombolo ebhaliweyo kwingxelo yakho yekhredithi ukuba ubize ukuphikisana nokuphosakela ingxelo. Ukuba akukho, ungakwazi ukufikelela kuzo zonke iisitulo zeentengo zematyala kulezi manani:
- I-Equifax: 1-866-349-5191
- Experian: 1-888-397-3742
- I-Transunion: 1-800-916-8800
Gcina irekhodi xa ubiza, ngubani na othe wathetha naye, kunye naluphi na ulwazi abaninike lona malunga neengxabano zakho. Kwezinye iimeko, ezifana nobuqhetseba, nangona ungenise ingxabano yakho ngeposi okanye nge-intanethi, unokucelwa ukuba ubize i-bureau ye-credit bureau ukuze unike iinkcukacha ezingaphezulu.
Iingxoxo zeeNgcaciso zeeNkcitho ezinkulu zeMatyala
Equifax
PO Box 740256
Atlanta, GA 30374
Experian
PO Box 4500
Allen, TX 75013
TransUnion LLC
Iziko loLwaphulo loMthengi
PO Box 2000
Chester, PA 19016
Lindela i-Credit Bureau Response kwiNgxelo Yakho Yesikweletu
I-credit bureau iyakwazi ukuphendula kwingxabano yakho ngokususa ngokukhawuleza ulwazi oluphikisanayo. Nangona kunjalo, banelungelo lokubuyisela izinto zangaphambili ezisusiweyo ukuba ezo zinto ziqinisekiswa kamva. Ukuba oko kwenzeka, i-credit bureau kufuneka ikuxelele, ngokubhaliweyo, ukuba le nto ibuyiselwe kwingxelo yakho yekhredithi.
Naliphi na idatha oyinikezile malunga nokungacaciswanga kolwazi kuya kuhanjiswa kumboneleli wolwazi lwangaphambili. Umnikezeli wolwazi kufuneka ukuba uphando kwaye abuyiselwe kwi-credit bureau.
Xa uphando lugqibile, i-credit bureau izokunika iziphumo, kunye nekopi yehhafu yengxelo yakho yekhredithi ukuba ingxabano ibangele utshintsho. Unokucela ukuba i-credit bureau izithumele isaziso sokulungiswa kunoma yiphi inkampani efikelele ingxelo yengxelo yemboleko kwiinyanga ezintandathu ezidlulileyo.
Ukuba kukho ulwazi olungagqibekanga kwinguqu ye-credit bureau ye-credit report yakho, mhlawumbi ukuba ulwazi luya kuchaneka kwezinye iirekhodi ezimbini zeevenkile. Kufuneka ukhangele zonke iingxelo ezintathu zeentengo zemboleko ukuze uqiniseke ukuba ulwazi ngalunye lupheleleyo kwaye luchanekile.
Ngamanye amaxesha i-credit bureau iphendula ukuba impazamo ophikisanayo yaqinisekiswa ngumboleki. Oku kunokwenzeka xa kukho impazamo kwiinkqubo zomboleki kwaye kwakungafunyanwanga kuphando. Ukuba oko kwenzeka, unganqumla i-credit bureau kwaye uphikisana nephutha ngqo kumboleki .
Iintlobo zobungqina bokuThumela ngeNgxelo yakho yeMali Ingxelo
Uya kufuneka uhambise ubungqina ukuba kukho into engalunganga kwidilesi yakho, igama, umhla wokuzalwa, okanye inombolo yakho yokukhuseleko loluntu. Ungathumela ikopi yelayisenisi yakho yokuqhuba, isitatimenti senkonzo yamuva, okanye ikhadi lakho lokhuseleko loluntu ukuxazulula le micimbi. Ingqinisiso isenokuthi isicatshulwa esikhokisiwe sokubonisa ukuba uhlawule ibhilikhi yakho ngexesha okanye isitatimenti senkokhelo yakutshanje esibonisa umda wekhadi lakho lesikweletu okanye ibhalansi. Qinisekisa ukuba uthumele ikopi yobungqina kwaye ugcine amaxwebhu okuqala kwiifayile zakho.
Ukuba uthumela ubungqina obongezelelweyo emva kokungenisa impikiswano, i-credit bureau ineentsuku ezingama-45, endaweni ye-30, ukuphendula kwimpikiswano yakho.
Izinto ezinzima kakhulu ukususa kwiNgxelo yakho yeMboleko
Ezinye izinto kulula ukuzisusa kwingxelo yakho yekhredithi kunabanye ngenxa yokuba ezi zinto zilula ukuqinisekiswa kwaye akunakwenzeka ukuba ziphosakele. Izinto ezinomxholo woluntu kunzima kakhulu ukususa. Oku kubandakanya ukuchithwa kwebhanki, ukuchithwa, ukubuyisela, ukugwetywa kwezigwebo , kunye nokungahlawulwanga kwemboleko, ngokukodwa ukuhlawulwa kwemali mboleko. Ngamanye amaxesha kunzima ukuba ezi zikhutshwe nangona zichanekile ngokusemthethweni.
Ukuba unamarekhodi karhulumente angalunganga kwirekhodi yakho yeekhredithi, zama ukusebenzisana ngqo nenkundla okanye i-arhente enempahla ebhaliweyo kwingxelo yakho yekhredithi. Emva kokuba bahlaziye iirekhodi zabo ukuze babonise okuchanekileyo, kuya kuba lula ukusebenzisana ne-bureau ye-credit ukucima ingxelo yakho yekhredithi. Ababolekisi kunye namanye amashishini anika ingxelo kwii-credit bureaus zinomthwalo ofanayo wokuphanda kunye nokucacisa iimpazamo zeengxelo zemboleko. Ngoko ukuba i-credit bureau iyanenkani, ungaya ngqo kumthombo kwaye uphikisane nokungalungi kumbolekisi.
Qinisekisa ukuba iingxabano zakho zisemthethweni
Qiniseka ukuba awuyi kwenza nantoni na ukuba wenze i-credit bureaus icinge ukuba iingxabano zakho zeengxelo zemali-mboleko ziyancipha. Musa ukuphikisana nayo yonke into kwingxelo yakho yekhredithi kwaye ungathumeli zonke iimpikiswano zakho kanye. Ukuba uphikisana into efanayo kunye neyodwa, kufuneka unike isizathu esithile sempikiswano nganye, ngoko i-credit bureau ayicingi ukuba uyathumela ii-duplicate. I-credit bureau ibenelungelo lokubona iimpikiswano zakho zingenangqiqo kwaye ukuba oko kwenzeka, i-bureau nayo inelungelo lokulahla ingxabano yakho.
Ukutshutshiswa kweSampula yeTela leMbambano
Kukho iindlela ezimbalwa ezahlukileyo zokuthetha ileta yakho yengxabano. Qinisekisa ukuba ulungelelanisa imbambano ukuze ulungele imeko zakho.
Isampula 1
> Ndiye ndahlaziya ikopi yengxelo yam ngetyala kwaye ndafumana iphutha nge-Akhawunti ye-GE ye-XXXX-XXXX-XXXX-1234. I-akhawunti ibalwe ngeentsuku ezingama-30. Nangona kunjalo, andizange ndibe ngethuba kule akhawunti. Nceda ususe le ngcaciso engalunganga.
Isampula 2
> Ndiye ndahlaziya ikopi yengxelo yam yekhredithi kwaye ndafumana amaninzi angama-akhawunti angamabakala angaphezu kweminyaka eyisixhenxe. Nazi ii-akhawunti ezimele zisuswe:
- > WFNNB / Express Express XXX-XXX-XXX
- > Verizon Visa XXXX-XXXX-XXXX-XXX
Isampula 3
> Ndiyihlolisise ikopi yengxelo yam yintengo kwaye ndifumene impazamo. I-akhawunti ngokuxosha i-XXXX-XXXX-XXX-3456 ayikho i-akhawunti yam. Andizange ndibe ne-akhawunti kunye ne- Chase Bank . Nceda ususe le akhawunti kwi-credit report.