Xa unenkathazo embi ngetyala, iinkampani zokulungisa ngetyala zivakala njengesisombululo esipheleleyo kukunceda ufumane i-credit yakho kwakhona kwindlela. Imirhumo, le nkampani ithembisa ukususa ulwazi olubi kwingxelo yakho yemali-mboleko, ukuyifakela ngolwazi olufanelekileyo, kwaye ikushiye ngamanqaku angaphezulu kwekhredithi. Ngelishwa, ishishini lokulungisa iitaliti lizele iinkampani ezinomgomo wazo kuphela ukuhlawula abathengi.
Ukuba unomdla wokwenza i ngxowa engcono kunokushiya unobungozi kwiinkqubo zokulungisa izikweletu . Ungazivumeli ukuba uzisebenzise.
Imibutho yokulungisa iitaliti ilawulwa ngumthetho obizwa ngokuba nguMthetho wokuLungisa iMali . Lo myalelo wesigqeba ufuna ukuba nayiphi na inkonzo yokulungisa imboleko ukuzalisekisa uxanduva oluthile kuwe. Naliphi na inkampani yokulungisa iikratshi engayithobeli le mithetho inokungcolisa.
Izibonakaliso ezisixhenxe zeCredit Repair Scam
Unokuthi utyhafiswe xa kukho na oku kulandelayo:
- Awunikiweyo ikopi "Amalungelo eFayile aBathengi bamalungelo phantsi koRhulumente kunye noMthetho we-Federal" ukukwazisa ngamalungelo akho ukufumana ingxelo yengxelo yemboleko kunye nengxabano engafanelekanga yengxelo yesikweletu . Zonke iinkampani zokulungisa iitalenti zifunwa ukuba zikwazise ukuba unokwenza ezi nkonzo ngokwakho.
- Awunikelwa ikopi yesivumelwano ukuba ubujonge ngaphambi kokuba ucelwe ukuba usayine. Musa ukuvuma okanye ukuhlawula iinkonzo ngaphambi kokuba wazi ukuba ubhalisela ntoni. Funda ngekhontrakthi ukuqinisekisa ukuba iqulethe zonke iinkcukacha ezibalulekileyo.
- Isivumelwano asiqukethe ulwazi olulandelayo:
- Isixa ohlawulwayo
- Iinkcukacha malunga neenkonzo ezenziwa egameni lakho
- Umhla apho iinkonzo ziya kwenziwa (okanye ixesha elifunekayo ukwenza iinkonzo)
- Igama nekheli lebhizinisi lombutho
- Ingxelo ekwazisa ukuba ungayicima inkontileka ezinsukwini ezintathu
- Ucelwa ukuba uhlawule ngaphambi kokuba iinkonzo zenziwe. Umthetho uvimbela iinkampani zokulungisa iikratshi ukuba zihlawule iirhafu ezingaphambili. Le yindawo apho iinkampani ezininzi zokulungisa iitaliti ziphula umthetho; ezinye iinkampani zingenakuqonda ukuba akufanele zihlawulise amakhasimende ngaphambili.
- Inkampani iyathembisa ukususa ulwazi oluchanekileyo oluvela kwingxelo yakho yekhredithi . Ngokusemthethweni, le ngcaciso ingowombiko wakho weentengo zemali, kodwa iinkampani zokulungisa ngetyala zenza amaqhinga athile (njengokuba ubanjwe ubusela besazisi) ukususa ulwazi oluchanekileyo kwingxelo yakho yekhredithi.
- Inkampani ithembisa ukudala okanye ikucele ukuba udale, i-"entsha" yobuni kunye nenombolo entsha yokhuseleko loluntu okanye inombolo yombolo yomqeshi (federal number number). Kwisinye isicwangciso sokulungisa iitaliti, inkampani yokulungisa iitaliti yakha iprojekthi entsha yekhredithi kwaye ufaka isicelo kuyo yonke imveliso yemboleko yexesha elizayo kunye nolwazi endaweni yenombolo yakho yokhuseleko yoluntu.
- Ucelwa ukuba usayine ifomu ukuyeka amalungelo akho phantsi kwe-CROA. Ngethamsanqa, i-CROA igxotha nayiphi na inkunkuma yamalungelo eenkampani zokulungisa iitaliti.
Ingaba kukho nawuphi na iNkampani yokuPhathwa kweMboleko inokuthenjwa
Kuya kuba kukugqithisa ukuthetha ukuba zonke iinkampani zokulungisa iikratshi ziyi- scammers .
Zithengisa phakathi kweenkampani ezimbalwa ezahlukeneyo kunokuba uhlale kwindawo yokuqala. Ukusondela nayiphi na inkampani enokuyicinga ngeqondo eliphilileyo lokungathembeki.
- Ikhamphani yokulungisa iitaliti iyakubonisana nawe ngaphambi kokuxubusha isicwangciso sekhredithi yakho: Akukho nkampani inokukuxelela ngokuchanekileyo into enokuyenza ngetyala lakho ukuba ayifumene nembali yakho yekhredithi. Ikhampani yokulungisa iitaliti iya kubuza imibuzo malunga nembali yakho yekhredithi kwaye iyakwazi ukujonga iingxelo zakho zekredithi ngaphambi kokuba uthethe malunga noko kuya kukwenza.
- Inkampani iyaqinisekisa ukuba unamalungelo akho: Unokuphikisana ngolwazi ngokwakho ngokubhalela ii-credit bureaus, kodwa abantu abaninzi banokukhetha ukuhlawula inkampani ukwenza lo msebenzi kubo. Kulungile. Kodwa, thintela inkampani efihlakeleyo ngeendlela zabo okanye yenza ukuba kubonakale ukuba ngaba kuphela abaya kulungisa i-credit yakho. Ikhampani yokulungisa iitaliti iya kuba neengxelo ezibonakalisiweyo zempumelelo kwaye inokukuxelela ukuba kungani iinkonzo zabo zibhetele kunezinye iinkampani.
- Inkampani ayithembisi ukuphakamisa amanqaku akho ekhredithi ngenani elithile lamaphuzu: Ikhampani yokulungisa iitaliti ephumelele nabanye abathengi inokukuxelela iziphumo eziye zafunyanwa ngabathengi bangaphambili, kodwa abanakukuxelela ukuba ixabiso lakho lekhredithi liya kuphucula njani ukuba usebenzisa zabo iinkonzo.
Ukuba inkampani izandile kakuhle ukuba yinyani, kukho ithuba elihle kakhulu lokuba ayiyinyaniso. Ngaphambi kokuba usebenzise iinkonzo zokulungisa iitalenti, yenza uphando ngeBBB, i-FTC, kunye nommeli wakho welizwe jikelele ukuba ufumane ukuba kukho na izikhalazo ezikhoyo. Gwema iinkampani abathe abathengi sele bekhalazo ngazo.
Yintoni ongayenza Ukuba utyunjwe
Ungavumi ukuba inkampani ihambe kunye ne-scam yokulungisa i-credit. Thatha inyathelo xa unomuvo wokuba amalungelo akho aphulwa. Qala ngokunika ingxelo kwintlangano kummeli wakho welizwe jikelele. Unokutyelela iNational Association of Attorneys General website ukuba ufumane igqwetha eliqhelekileyo kwimeko yakho. Thumela isikhalazo kwi-Federal Trade Commission, iBusiness Business Bureau, kunye neBusiness Consumer Bureau.
Qhagamshelana nommeli. Unokwazi ukufaka ifowuni malunga nenkampani yokulungisa iitaliti. Oku akuyi kukulungisa i-credit yakho, kodwa unokukwazi ukubuyisela imali oyihlawuleyo kwiinkonzo.