Inxalenye ebalulekileyo yokhuseleko lomntu siqu ukukhuselwa kwezazisi . Kanye njengoko ungathatha amanyathelo athile ukukhusela intsapho yakho, ubomi, ikhaya okanye indlu, kufuneka uqinisekise ukuba umntu oyedwa osebenzisa ubunikazi bakho ngokwenene, wena.
Njengeengcali ekutshweni kobunikazi kunye noqeqesho lokhuseleko, ndididekile ngamanye amathuluzi kunye neenkonzo ezithi zikhusele abantu ekulahlekelweni kwezazisi.
Kukho ukungabikho kwemisebenzi kwimveliso ngaphandle, kodwa kubalulekile ukuba ezi zibonakaliswe ngokucacileyo. Ngamanye amagama, kufuneka ukwazi oko ufumeneyo, oko uyenzayo, nokuba njani okanye kukunceda njani.
Uninzi lweenkonzo ezifumanekayo zokukhusela ulwaphulo luhlobo lwe-inshurensi, okanye isiqinisekiso, ngaphezu kokubuyisela, ukubuyisela kunye nokubeka iliso. Nangona kunjalo, akunqabile ukuba iinkcukacha ziyafumaneka malunga nenxalenye yokujonga inkonzo. Kungathetha nantoni na ukususela kwi-intanethi ukubeka iliso kwi-credit.
Ezi nkonzo zihlala zifuna ukuba zincede abantu bafumane ukutshitshiswa kobunikazi, kodwa ukushicilelwa okulungileyo kuya kuchaza ukuba ukubuyiswa kuphelelweyo koko baya kukhusela, kwaye kuphela kudlala xa inkonzo ingaphumeleli. Oku kuthethi, ezinye iinkonzo ziya kuhamba ngaphaya kwephepha lokushicilela kwaye zibancede nokuba inkonzo yabo ayikwazi ukukukhusela. Ngoko buza imibuzo.
Ezinye iinkalo ziquka ukukwazisa xa ulwazi lomntu siqu, njengeNombolo yoKhuseleko loLuntu, igama, umthamo okanye inombolo yekhredithi, iyancitshiswa.
Ubume bokukhusela ulwabiwo kufuneka luqhubele phambili kunye neendawo eziphuhliswayo zobugebengu, kwaye inikezela ngeendlela ezininzi zokufumana, ukubeka iliso, izilumkiso kunye namava amathengi enembile.
Ezinye iinkonzo zokukhusela ulwaphulo-mali ziinkampani zentengiso ezenzile le ngcamango ngaphandle kolwazi lwezokhuseleko lwezonyani .
Bakhokhisa abathengi kwiinkonzo zabo, ezibiza i-$ 100- $ 200 ngonyaka, kodwa into abangakuxeleli kukuba bazama ukukhangela i-intanethi efuna ulwazi lwakho, kwaye ukuba ukuba ngubani ozazisiwe ekugqibeleni, anikezela ngcebiso malunga nendlela yilungise.
Amabhanki, iinkampani zekhadi zekhredithi, kunye neenkampani zomshuwalense bonke banikezela ukukhuselwa kwesiqinisekiso, kunye. Nangona kunjalo, abaninzi banamasevisi amhlophe e-label ekhankanywe nje ukuba abukeke ngathi bavela kule mibutho.
Xa ukhetha utyalo-mali ekukhuselweni kwebabi, musa ukuwa kwintengiso yokuthengisa. Kunoko, khetha inkampani eqinile ukukhusela.
Ngaba Ngaba ufuna Ukhuseleko Lwazisi?
Usenokuba ubonile ezinye iintengiso zokukhusela ulwaphulo-mali, kodwa wenze uqikelelo lokuba ubunikazi bakho abuyi kupheliswa. Nangona kunjalo, ndinendaba kuwe ... sonke sidinga ukukhuselwa kobunikazi!
Ukuba unokuphendula "Ewe" kuyo nayiphi na imibuzo elapha ngezantsi, kwaye ungenalo ukukhuselwa kobusela , uzibeka engozini:
- Ngaba wena okanye umntwana wakho unenombolo yoKhuseleko loLuntu?
- Ngaba unayo iibill, njengemboleko, i-utility, ikhadi lekhredithi okanye umnxeba, okusemthethweni lakho?
- Ngaba uya kwidokotela wamazinyo okanye ugqirha?
- Ngaba ufaka irhafu yengeniso?
- Ngaba uye waba nesigulane esibhedlele?
- Ngaba usebenzisa i-Intanethi?
- Unayo ilayisenisi yokuqhuba?
- Ingaba unayo i-akhawunti yebhanki?
- Ingaba unetyala elibi okanye akukho mali?
- Ngaba uhlala okanye ungalokothi usebenzise amakhadi wesikolodo?
- Ingaba uyaphila?
Ufumana iphuzu apha; ngaphandle kokuba uhlala emaphandleni, awuzange ukhangele ebantwini, ufile, ungabhalwanga phantsi, unikezele unyango lwakho okanye uphile ngaphandle kwemisebenzi, usengozini. Nangona ungekho ikhaya, usengumntu osisichengeni.
Ngaba Uncedo lweNkxaso-mboleko yeNkundla?
Ikhredithi yekhredithi yinkonzo eyokhupha ifayile yekredithi yomntu ukuze umnini-mboleko akakwazi ukuhlola i-credit yabo. Le yindlela efanelekileyo yokukhusela izigwenxa ekuvuleni iakhawunti entsha phantsi kwegama okanye inombolo yeNtlalo yoKhuseleko yomntu oye waqhwala i-credit. Ukuba umboleki okanye umboleki-mboleko akakwazi ukujonga ityala lomntu, akunakwenzeka ukuba athenge i-credit, enokukukhusela.
Ukuze oku kusebenze, uzakufuna ukukhishwa kwekhredithi kwi-ofisi yemali yemboleko. Inkqubo yekhredithi ekhutshwe ngokuqhelekileyo ibandakanya i-afidavithi enegama lomntu, inombolo yokhuseleko lweNtlalo, idilesi kunye nekopi yesikhokhelo. Iingxowa-mboleko zontathu zentengo zemboleko zingakhohla imali encinci kule nkonzo, ukuya kuma-15, kodwa ezinye zikhululekile, kuxhomekeke kwimeko ohlala kuyo.
Xa isicelo sizalisekile, ubunikazi bakho buvalelwe ekugqibeleni naluphi na ubuqhetseba be-akhawunti entsha. Hlalani nikhumbula, nangona kunjalo, kukho amanye amanyathelo okufuneka uwathathe ukuze uqinisekise ukuba izazisi zakho kunye neakhawunti ezikhoyo zikhuselekile.
Kukho abangaphezu kwezigidi ezili-10 eziza kubakho amaxhoba amashishini athatywayo ngonyaka ngamnye e-United States. Uninzi lwaba maxhoba sele lufumene ukuba abantu ababi basebenzise ulwazi lomntu siqu, njengeNombolo yoKhuseleko lweNtlalo, ukuvula ii-akhawunti egameni labo. Nangona ukukhutshwa komkhuseleko, kunjalo, oku akunakwenzeka ukuba kwenzeke.
Ngoqhagamshelwano olukhuselekileyo kwindawo zonke ezintathu zemali-mboleko zemali, isela ngeke likwazi ukuvula i-akhawunti entsha kuba umthengisi okanye umboleki-mali akayi kukhangela iifayile zekhredithi. Ukuba ngaba nguwe, kwaye kufuneka usebenzise isicelo sekhredithi, unokwenza isikhokhelo ngokukhawuleza usebenzisa i-PIN, ngoko ke nayiphi na isicelo esisemthethweni sekhredithi singacutshungulwa.
Nangona ukhenketho lwekhredithi usebenza kwaye kubaluleke kakhulu, kunokunokuba nzima kubantu abathile.
Gcina ukhumbula ukuba nangona i-credit freeze eyenziwe lula, kwaye banceda ekukhuseleni ubunikazi bakho, akunakwanele ukuyigcina ngokukhuselekileyo. Kukho ezinye izinto omele uyenze ngokungezelelwe kwifriji. Nazi iimpendulo zemibuzo eqhelekileyo abantu abanayo malunga nekhredithi ekhululekayo:
Yiliphi i-credit friji?
Ukuba uneminyaka engaphezu kwe-18 kwaye ube neengxelo zemboleko, okanye uneminyaka engaphantsi kwe-18 kwaye urhulumente wakho uvumela ukuba kunye kunye / okanye nokuba nobuni benobuni, i-credit frozen isingcamango esihle.
Yintoni umntu ayenokuyicinga ngayo ngaphambi kokufumana ukukhishwa kwekhredithi?
Musa ukucinga malunga nantoni na. Ikhredithi kufuneka ibe yinqabileyo ebhodini. Nangona kunjalo, abathengisi, iibhanki kunye nababolekisi baye basebenzisa izigidi eziliqela ukuba bawuphelise, njengoko kuya kuphelisa i-credit-instant that these companies can offer, kunye neenkampani zithi "iinjongo" kwenkqubo yokuboleka.
Ziziphi iindleko zefriji yekhredithi?
Uluhlu lweendleko zefesholo yekhredithi livela kwihhala ukuya kuma-15 kwi-ofisi nganye. Eli xabiso lixhomekeke kwintsebenzo yeGqwetha eliPhezulu likarhulumente lakho elenziwe ngamaziko e-credit. Kukho kwakhona umrhumo ohambelana nokuthabatha iakhawunti, ephuma kwihhala ukuya kuma-5.00. Oku kwenziwa xa ufuna ukufaka isicelo sekhredithi entsha.
Kulungile kangakanani ukukhishwa kwekhredithi?
Inyaniso kukuba, ukukhishwa kwekhredithi akuyona into efanelekileyo. Nangona kunjalo, oku akuyona into enkulu, nonke. Kuphela nje kuthatha imizuzu embalwa kunye nomrhumo omncinci wokuba ubhalisele kubo, kwaye imizuzu engamahlanu kuphela ukuyiqhawula. Leli xabiso elincinci lokuhlawula ukhuseleko lwakho.
Ingaba iitaliti ikhulula umonakalo kwam amanqaku ekhredithi?
Akukho
Ukuqaphela ukukhwabanisa kuyahluke njani kwi-credit freeze?
Isaziso sobuqhetseba kuphela siphelela iintsuku ezingama-90, kwaye abafaki ikhredithi yakho. Kunoko, bavele bathumele isaziso kubabolekisi ukuba mhlawumbi unobuni bakho. Oku akuthi, nangona kunjalo, umise umnini-mboleko ekudaleni i-credit. Ukuqhatha isaziso , ngokusemgangathweni, nje "izaziso" nje ukuba kukho into engafanelekanga ngesazisi sakho, kodwa iphakamisa kuphela ukuba umboleki kufanele axhumane nawe ngaphambi kokuseka nayiphi na i-credit egameni lakho. Ngamanye amazwi, ingqiqo yecandelo lokhuseleko.
Ndingafaka phi ihredithi yam?
Khuphela i-credit yakho ngokuchofoza igama ngalinye kwi-bureau:
- Experian
- Equifax
- ITransana
Uluphi Uhlolo lokuTyala?
Ukubeka iliso kwintengo yinkonzo ekhoyo njengento yokuthenga ngenkonzo yenkampani yokukhusela ubusela.
Kukho ezintathu iinjongo eziphambili ezigcina i-akhawunti ye-credit history yakho. Uninzi lwabantu aluhlolisanga i-credit yabo de bafuna yona kwaye bajika. Ukuhlolwa kwekhredithi, ubuncinane, kunye nethemba zonke ezintathu, iifayile zakho zee-credit bureau zijongwa malunga nomsebenzi ongaziwa okanye ongaqhelekanga. Ukwaziswa ngoko ofisi / ukhuseleko lwezakhelo ukuba iqwalaselwe ukuba kuthathwe isenzo.
Yenzani Inkohliso Yilumkiso?
Ukuqaphela ukukhwabanisa yinkonzo enikezelwa ngamaziko eentengo zemboleko. Yongeza enye ingqimba yokukhusela kubunikazi bakho. Ukuba wena, okanye omnye umntu, ufaka isicelo sekhredithi usebenzisa igama lakho, umboleki-mboleko okanye umbolekisi uya kucelwa ukuba aqinisekise ubungqina bakho ngaphambi kokuba anike umgca wekhredithi.
Izaziso zoqhetseba zisesigxina, kwaye ziphela emva kweentsuku ezingama-90. Nangona esi sixhobo esihle, kusesikhashana ukuba sicingwe njengesicwangciso sexesha elide.
Ukuba ungumntu osele sele ehlaselwe yesazisi, ungongeza i-Alert Incraved Victim Alert. Ukwenza oku, ngenisa ikopi yengxelo yobalo besazisi obufakwe ngokuthotyelwa komthetho. Esi saziso siya kuhlala iminyaka eyisixhenxe.
Ukongezelela, ukuba uyilungu lezempi elikhutheleyo, unokwenza isicelo se-Active Alert Credit Alert. Oku kuya kuhlala kwifayile yakho yonyaka.