Indlela yoMyalelo wakho weNgxelo yeMali yonyaka

Umthetho wesigqeba obizwa ngokuba yi-Fair Fair and Accurate Transactions Act Act ka-2003 unika ilungelo lokunika ingxelo yekhredithi yamahhala ngonyaka. Unokusebenzisa ngokunenelayo ilungelo lakho kwirekhodi yengxelo yentengo yonyaka wentengo ukubeka iliso lakho ngetyala ngeenkonzo ezintathu ezinkulu zemali-mboleko: i-Equifax, i-Experian, ne-TransUnion.

Iindlela ezi-3 zoMyalelo wakho wonyaka weNgxowa-mali

Kukho iindlela ezintathu zokuba ulandele ngqo ngqo ingxelo yesikweletu sakho yonyaka.

1. I-Intanethi ngokuya ku-www.annualcreditreport.com. Ukuba unokukrokra malunga nekhonkco kwiwebhsayithi ye-credit report yonyaka, ungayithayipha idilesi ngqo kwi-browser yakho. Qinisekisa ukuba awufihli idilesi.
2. Ngefowuni ngokubiza 1-877-322-8228. Ukuba ukhetha olu khetho, uya kuhamba kwinkqubo yokuqinisekisa ukuqinisekisa ukuba nguwe (kwaye akakho omnye umntu) oyalela i-credit report. Ukuba uyisithulu okanye unenkathazo yokuva, ungabiza u-1-800-821-7232 ukuze ulandele ingxelo yengxelo yemali yonyaka.
3. Ngeposi ngokuthumela ifom yesicelo. Khuphela kwaye uprinte ifom yesicelo se-credit report yonyaka we-YearCreditReport.com. Uya kufuneka ube nombukeli we-Adobe okanye omnye umfundi we-PDF efakwe kwikhompyutha yakho ukuze ukhangele uphinde uprinte ifom. Xa usuzalise ifom, kufuneka uthumela i-imeyile kwi: Inkonzo yesicelo seNkcazo yonyaka
   PO Box 105281
   Atlanta, GA 30348-5281

Xa udalela ngefowuni okanye ngeposi, uya kufumana ingxelo yakho yonyaka ngetyala ngeposi emva ezimbini kwiiveki ezintathu. Xa uyala i-intanethi, kufuneka ufikelele ngokukhawuleza.

Kumele ulandele ingxelo yakho yangempela yemboleko yonyaka usebenzisa enye yezindlela ezibhalwe apha ngasentla, kungekho ngqo kwi-credit bureaus okanye nakwephi na ezinye iiwebhusayithi.

Qaphela ukuba yonke i-credit bureaus inomxholo othile wekhadi lesikweletu, kodwa zonke zifuna ikhadi lokuthenga ngetyala kwaye ziya kubhalisela kwinkonzo yokubhaliselwa okufuneka uyikhumbule ukuyikhansela ukuze uphephe iintlawulo zenyanga.

Nini kwiNkundla Yakho yeMali Yonyaka

Unokuyalela zonke iingxelo zeentengo zemboleko zonyaka ngethuba elinye okanye unako ukuzibeka ngaphandle kwonyaka. Unokukhetha ukuyila ingxelo yakho ye-credit ye-Equifax ngonyaka ka-Ephreli, i-Experian ngo-Agasti, iTranscription ngomhla kaDisemba, kwaye uqale nge-Equifax ngo-Ephreli ozayo. Oku kuya kukuvumela ukuba uqaphele iingxelo zakho zekhredithi kuwo wonke unyaka.

Amahhala kunye ne-$ 1 IiNgxelo zeNtengo

Ngaphambi koMthetho we-CARD ka-2009, kwakukho iindawo ezininzi ezikhohlisayo kwi-intanethi ethembisa ukunika ingxelo ye-credit annu free. Ezi ziza ziza kucela ulwazi lwekhadi lakho lesikweletu kwaye zibhalise kubulungu besilingo kwinkonzo yokujonga ngetyala. Ukuba awuzange ukhumbule ukukhansela ityala, ikhadi lakho lekhredithi liya kuhlawuliswa ixesha elipheleleyo leenkonzo zokubeka iitaliti.

Ezi zinto zikhona, nangona ngoku abaninzi babo banikezela ingxelo ye-credit yakho ye-$ 1, kunokuba ikhululeke.

Iwebhsayithi esemthethweni yokuyalela ingxelo yakho yonyaka-mboleko ye-akhawunti ayihlawuli i-credit card kwaye ayikuceli ukuba ubhalisele nayiphi na into yokubhalisa.

Ukujonga i-Your Annual Credit Score

Amanqaku akho ekhredithi ayiyiyo inxalenye yengxelo yesikweletu sakho yonyaka, kungakhathaliseki ukuba ingxelo yayikhululekile okanye ihlawulwe, ngoko kuya kufuneka uhlawule umlinganiselo wakho wekhredithi ngokwahlukileyo. Unokuyijonga ngentlawulo nge-CreditKarma.com, kwi-Credit Sesame.com, okanye kwi-Quizzle.com. Unokuphinde ulayishe amanqaku akho ekhredithi ngemali evela kwi-myFICO.com okanye kwenye yeevenkile ezintathu zemali-mboleko.