Umthetho we- Fair Credit Reporting Act ngumthetho we-federal ochaza, phakathi kwezinye izinto, ukuba ingaba ixesha elingakanani le nkcazelo lingahlala kwi-credit report yakho. Umlinganiselo wexesha lokubhengezwa kwekhredithi iminyaka eyisixhenxe ngenxa yolwazi oluninzi olubi. Ezinye iindidi zolwazi olubi ziza kuhlala kwiirekhodi zakho zemali ngaphezu kwelo.
- Ulwazi lolwaphulo-mthetho olufana neentlawulo zekhadi lokuthenga ngetyala kunye neengqokelela zingabhalwa iminyaka eyisixhenxe ukususela kumhla wobugqwetha.
- Iintlawulo-ntlawulo, iminyaka eyisixhenxe + iintsuku ezingama-180 ukusuka ngomhla ochazwe kwi-credit bureau, ngokuqhelekileyo, oku kuvele iminyaka eyisixhenxe ukusuka ngomhla wokuhlawulwa.
- Iimboleko zemali zabafundi, ziyiminyaka esixhenxe (ichazwe nguMthetho weMfundo ePhakamileyo).
- Ukuqhathaniswa, iminyaka eyisixhenxe.
- Izigwebo okanye izigwebo , iminyaka eyisixhenxe ukususela kumhla wokufakela okanye ummiselo wombuso weemida , nokuba yeyiphi na ixesha elide.
- Ukuchithwa , ukufikelela kwiminyaka eyi-10 ukususela ngomhla owenza ngawo.
- Iibhanki zerhafu ezihlawulwayo, iminyaka eyisixhenxe ukusuka ngomhla ohlawulwe okanye ude ucele i-IRS ukuba isuswe.
- Iingxowa zerhafu ezingakhokhelwa, ngonaphakade.
Abahlali baseCalifornia
- Iingxowa ezihlawulwayo okanye ezikhutshiwe zerhafu zihlala kwingxelo yakho yekhredithi iminyaka engama-7 ukususela ngomhla okhishweyo okanye iminyaka eyi-10 ukususela kumhla ofakwe.
- Iingxowa zerhafu ezingakhokhelwa zihlala kwingxelo yakho yekredithi kwiminyaka eyi-10 ukususela kumhla ofakwe.
Abemi baseNew York
- Izigwebo ezihlawulwayo zihlala kwingxelo yakho yekhredithi iminyaka emi-5 ukususela kumhla ofakwe.
- Iikholeji ezihlawulwe zihlala kwingxelo yakho yekhredithi iminyaka emi-5 ukususela kumhla ohlawulwe okanye umhla wokugqibela womsebenzi.
Ngaba Unokwenza Nantoni na?
Xa umlinganiselo wexesha lokubhengezwa ngetyala lidlulile, ulwazi oludlulileyo lufanele luyeke ngokuzenzekelayo kwingxelo yakho yekhredithi. Awunakukwenza nantoni na ukunyusa i- credit bureau ukuba ihlaziye ingxelo yakho yekhredithi.
Nangona kunjalo, ukuba kukho impazamo ngemini yokunika ingxelo, kuya kufuneka usebenzise inkqubo yokubambisana neengxelo zemboleko ukuze ulungiswe iphutha ukwenzela ukuba ulwazi luye lwaphuma kwingxelo yakho yekredithi ngexesha elifanelekileyo.
Thumela iikopi zobungqina obunikwe inkxaso lakho ibango ukuze uncede ukubonisa lakho ityala. Unokukhalaza kwiBhunga loKhuseleko lwezeMali kubaThengi ukuba i-credit bureau kunye ne-furnisher information ziqhubeka nokuphulwa kwamalungelo akho ngokubeka uluhlu olungenakulungileyo kwingxelo yakho yekhredithi.
Ukuxela ixesha eliPhathelene neMimiselo yokuTyala
Kungenxa yokuba ixesha lokubhengezwa ngetyala liphela liphela akuthethi ukuba awusayi kuba netyala. Umda wexesha lokubhengezwa ngetyala alichazi ukuba umthengi okanye umqokeleli angakulandela ixesha elingakanani umrhumo ongenakuhlawulwa. Ngethuba nje ukuba ityala elisemthethweni lihlala lihlawulwe, umboleki-mali angazama ukuqokelela kuwe ngokubiza, ukuthumela iileta kunye nayiphi na enye into esemthethweni.
Ukudideka ngeSitatimende semida
Kukho elinye ixesha elisebenza kwiimali, ummiselo wemingcele . Umda wexesha uhluka ngoomda kwaye ubeka umda wexesha lomthengi okanye umqokeleli angasebenzisa inkundla ukuba akuphoqe ukuba ukhokhe ityala - ukuba unokubonisa ukuba ummiselo wokunciphisa udlulile. Ummiselo wemingcele ngokuqhelekileyo uhlukile kwixesha lokunika ingxelo ngekredithi. Ityala linokuqhubeka lidweliswe kwingxelo yakho yemboleko nangona ummiselo wokunciphisa udlulileyo, ngokukodwa ukuba ummiselo wokunciphisa ungaphantsi kweminyaka eyisixhenxe.
Nangona kunjalo, izahlulelo zokugweba ziyakwazi ukuqhubeka zichazwe ngokommiselo wombuso weemilinganiselo ukuba lelo xesha lingaphaya kweminyaka engama-7.