Hlola iirekhodi zakho ukuqinisekisa ukuba wenene ukuhlawula ityala lokuqokelela . Ukuphonononga izitatimende zakho zeengxelo zokudala okanye ukukhangela iikopi zakho zokukhangela ezicatshulwayo. Ukuba uqinisekiso oluchanekileyo luya kunceda ukufumana aba (abaza kubakho) abaqokeleli kwi-bhanki yakho. Akufuneki ukuba uthumela lo bungqina kumqokeleli wetyala; ukuba ngaba beshishini elingenangqiqo, abanakho ingxaki ngokusebenzisa i-akhawunti yakho yokujonga i-akhawunti (ukusuka phantsi kwekopi yokukhangela) ukuba wenze ubuqhetseba. Kodwa, gcina ubungqina bakho bokuhlawula ngokukhawuleza xa kunokwenzeka ukuba ubonakalise kwii-credit bureaus okanye inkundla.
Bhalela umqokeleli ukuba amise iifowuni zabo . Xa unesiqiniseko sokuthi uhlawule ityala, indlela elula yokumisa iifowuni zokuqokelela ityala kukuthumela i- stop and renist letter , ecela ukuba umqokeleli wetyala akwazi ukunxibelelana nawe. Ukubaxelela ngefowuni akwanele. Umele uthumele ileta, mhlawumbi ngeposi eqinisekisiweyo kunye nesicelo sokufumana iresidi.
Xa bafumana ukuyeka kwakho okubhaliweyo kunye nesicelo sokuyeka, bafunwa ngokomthetho ukuba bayeke ukubiza. Bavunyelwe ukuba baqhagamshelane nawe kwakhona, ngokubhaliweyo, ukuba bakuxelele ukuba, ukuba nantoni na, baceba ukwenza okulandelayo.
Hlola ingxelo yakho yekhredithi . Ekubeni umqokeleli weetyala ekubiza ngokuba ngetyala elihlawulwayo, yinto efanelekileyo ukujonga ukuba ngaba baxelile ngokungekhoyo ityala kwiivenkile zemboleko.
Ingxabano kunye neenkundla zemali zemali xa umqokeleli ebhale ityala kwiingxelo zekhredithi yakho. Nika iikopi zenkokhelo yakho ubungqina bokuthi ityala lihlawulwe ngaphambili.
Ngaba umqokeleli wetyala uthumela ubungqina bentyala . Isicelo sokuqinisekiswa kwetyala sinokukhetha ukuba uqinisekile ukuba uhlawule ityala, kodwa awuqinisekanga ngokupheleleyo kwaye awukwazi ukufumana ubungqina bentlawulo. Ileta yokuqinisekiswa kwetyala, ekufuneka ithunyelwe zingakapheli iintsuku ezingama-30 emva kokuqhagamshelana nomqokeleli weetyala, ikuvumela ukuba ubuze umqokeleli wetyala ukuba athumele ubungqina bentyala.
Xa umqokeleli ufumana ileta yakho, kufuneka ukuba uphando kwaye uphendule ngobungqina (ukusuka kumbambisi-mboleko) omele. Ukuze bathumele amaxwebhu, abanakuqhagamshelana nawe. Umgca wecala kukuba isicelo sokuqinisekiswa kwetyala asivumelekanga ukuba siyeke umqokeleli onetyala lokungathembeki ekuqhubekeni kwetyala oye ulikhokha.
Cetyisa kwi-CFPB kunye ne-Attorney General jikelele xa uqokelelwa ngamatyala engalibali ukuyeka kwaye unqabe incwadi kwaye uyaqhubeka edibana nawe ngetyala. Okanye, ukuba uthumela itekisi yokuqinisekiswa kwetyala kwaye umqokeleli uyaqhubeka nokuzama ukuqokelela ngaphandle kokuthumela ubungqina obaneleyo betyala. Unakho ukukhalaza kwi-CFPB ukuba i-credit bureau iqhubeka nokuluhlu lokuqokelela amatyala kwingxelo yakho yeebhanki nangemva kokuba uyiphikisana nayo kwaye ubonise ubungqina bentlawulo.
Gcina ulandelelwano lwenxibelelwano lwakho kunye nomqokeleli wetyala ukwenzela ukuba ube neirekhodi ezicacileyo xa ukhononda kubasemagunyeni.
Musa ukuyihoxisa nayiphi na i-summation sshings , nokuba ucinga ukuba sele ukhokhele ityala. Kufuneka uvelise enkundleni uze ubonise ubungqina bakho bokuhlawula ukugcina umqokeleli wetyala ekuphumeleleni isigwebo esingagqibekanga kuwe. Xhagamshelana nommeli ukuba uyifumana i-summation summit ukuze ukwazi amalungelo akho kwaye ube nokumelela okwaneleyo.