Ingxelo yakho yekhredithi iqulethe ubuninzi beenkcukacha malunga nomlando wakho wekhredithi kubandakanye nekhadi lesikweletu kunye ne-akhawunti evulekileyo ovulekileyo, ibhalansi kwi-akhawunti yakho kunye nokuba uhlawule ngexesha.
Iinkampani eziliqela zisebenzisa i-credit report ingxelo yakho ukuba uthathe isigqibo malunga nokuba wenza ishishini nawe. Ababolekisi nababolekisi basebenzise ingxelo yakho ukunika ikhredithi kunye nokuboleka imali. Abaqeshi basebenzise ukuba bakuqeshe. Abanikazi bezindlu bawusebenzisa ukurenta kuwe.
Kufuneka uhlolisise okungenani kanye ngonyaka ukuze ufumane ukutshitshiswa kobunikazi kwaye uqinisekise ukuba ulwazi oluchanekileyo lukwaziswa. Ngaloo ndlela unokufumana i-credit yakho kwindawo engcono phambi kokuba wenze iiprogram ezisekelwe kwi-credit.
Annualcreditreport.com
Umthetho we-Federal unikezela ilungelo lokujonga ingxelo yakho yekredithi kanye ngonyaka ngamnye kwi-credit bureau. I-AnnualCreditReport.com yiwebhusayithi ephakathi ukuze ulandele ingxelo yakho yekhredithi yamahhala enikezwe kuwe nguMthetho weNtengiso kunye neNgcaciso yeMatyala (FACTA). Le yindawo yodwa yokufumana ingxelo yekhredithi yamahhala evela kwii- three ezinkulu ezinkulu zemali-mboleko ngaphandle kokubophezeleka.
Iingxowa-mali zentengo
Unokuyilungisa iingxelo zakho zeentengo zemali kwi-ofisi nganye yemboleko ngemali ngokuya ngqo kwiiwebhusayithi zazo: Equifax.com, Experian.com, kunye neTransunion.com. Ungathengisa ingxelo yakho yekredenti kunye nelo bhodi kuphela okanye ingxelo yesithathu yekredithi ebonisa zonke iingxelo ezintathu zeentengo zemali ngecala.
Ingxelo enye yeerhafu evela kwi-bureau ingabibizi ngaphezu kweengxelo ezintathu zekredithi. Kodwa ukuba uceba ukuthenga zonke iingxelo zeentengo zemboleko, le ngxelo yesithathu ngetyala lixabiso elungileyo.
MyFICO
I-FICO, inkampani eyaphuhlisa i-model FICO, ivumela ukuba uthenge iirekhodi zakho zekredithi kunye nomlinganiselo wakho we-FICO ngokusebenzisa i-myFICO.com iwebhusayithi.
Unokuyalela ingxelo yengxelo yekredithi yexesha elilodwa okanye ubhalisele kwinkonzo yabo yokujonga ngetyala kwaye ujonge ingxelo yengxelo yakho yekhredithi kanye ngekota.
IiNgxelo zeNtengo zeNtengo
Ngaphandle kweengxelo zakho zentengo zemali zonyaka, ungafumana ingxelo yekhredithi yamahhala kwezinye iimeko ezithile. Ukuba unesicelo esinqatshiwe, awusebenzi kwaye ucwangcise ukukhangela umsebenzi, ufumana uncedo lukarhulumente, okanye ube lixhoba lokutshitshiswa kobunikazi, unokufumana ilungelo lokunika ingxelo yekhredithi yamahhala. Kumele ulandele le ngxelo ye-akhawunti yakho yekredithi yehhala ngqo kwi-credit bureau, kungekhona kwi-website ye-credit report yonyaka.
Ukongezelela, amanye amazwe anemithetho enikezela ngeengxelo zeentengo zemboleko zonyaka.
I-CreditKarma.com kunye ne-CreditSesame.com ziwebhusayithi ezimbini zokulawula iikredenti ezinika ingxelo yakho yekhredithi mahhala.
Ukuqapha
Kukho amaninzi amanqaku e-phishing anxulumene neengxelo zekredithi. Ngokwe-Privacy Clearing House, kukho amawebhusayithi angama-96 angamahlwempu kwi-yearcreditreport.com. Ezi website zifuna ulwazi lwakho okanye zifuna ukukhohlisa ukuba ungene ngemvume ngenkonzo yokubhaliselwa. Nazi ezinye izicwangciso zokuphepha ukukhwabaniswa kweengxelo zekhredithi zamahhala:
- Hlola kuphela iiwebhusayithi ezithembekileyo ukuze ufumane ingxelo yengxelo yakho. Iziza ezikhankanywe apha ziindawo ezikhuselekileyo. Qaphela ngokuhambela nayiphi na enye indawo.
- Musa ukucofa kwiinqununu kwiimeyile, nokuba i-imeyile ibonakala ifanelekile. Ngokugqithiseleyo kunokuba, ikhonkco iya kukusa kwiwebhsayithi ye-scam ebonisa into eyinyani.
- Ukuba ukhetha ngokuphosakeleyo kwikhonkco ye-imeyili, khangela ukuba idilesi kwisiphequluli sakho idilesi oyilindele. Ukuba i-URL ibonakala ikhunjulwa, vala isiphequluli sakho, kwaye ucime i-cache yakho kunye nekiki.
- Faka kuphela ulwazi lwakho lomntu kwiindawo ezikhuselekileyo kunye nee-URL eziqala ngo- "https" okanye ngekhikhi kwicala elingaphantsi kwesiphequluli, okanye zombini.
- Ukuba ucinga ukuba ulwazi lwakho lomntu luye lwacatshiswa, unokongeza uqwalaselo lokukhwabanisa kwingxelo yakho yekhredithi ukuxela ababolekisi ukuba bathathe amanyathelo angaphezulu ukuqinisekisa ubungqina bakho ngaphambi kokuba uvume isicelo esisekelwe kwi-credit.