Iingxabano, Ukuhlawula ukuCima, kunye neNkcazo zokuNgcolisa
Ukususwa kolwazi olubi kunokukunceda ukuba ufikelele kumaphuzu angaphezulu kwekhredithi.
Ingxelo yebhanki engcono nayo iyisisitshixo sokufumana imvume yamakhadi- mboleko kunye nemali-mboleko kunye nokufumana amaxabiso omdla kwiingxelo ozivunyelweyo. Ukuncedisa indlela yakho kwi-credit card engcono, nakhu izicwangciso zokufumana ingxelo yengxelo yebhanki engalunganga isuswe kwingxelo yakho yekhredithi.
Hambisa impikiswano kwi-credit bureau.
Umthetho we- Fair Credit Reporting Act ngumthetho wase-Federal ochaza uhlobo lweenkcukacha ezingabhaniswa kwingxelo yakho yekhredithi kunye nexesha elide (ngokuqhelekileyo iminyaka eyisixhenxe). I-FCRA ithi unelungelo lokunika ingxelo efanelekileyo yekhredithi kwaye ngenxa yaloo mbonelelo, unokuphikisa iimpazamo kunye ne- bureau bureau .
Iingxelo zengxelo zemboleko zilula xa zenziwe kwi-intanethi okanye ngeposi. Ukwenza ingxabano kwi-intanethi , kufuneka ukuba ulandele ngokutsha ikopi yengxelo yakho yekhredithi. Ungathumela impikiswano kunye ne- ofisi ye -credit-mboleko enike ingxelo yengxelo yemboleko.
Ukuphikisana ngeposi, bhala ileta echaza ingxelo yengxelo yemboleko kwaye uthumele ikopi yanobuphi ubungqina obunalo.
I-credit bureau iphanda ingxabano yakho kunye nezoshishino ezinike ulwazi kwaye zisusa ukungena xa zifumanisa ukuba yile mpazamo.
Unokuphikisana nebhizinisi elithe labika kwi-credit bureau.
Ngoku, unako ukugqithisa ngokupheleleyo i-credit bureau kunye nokuphikisana ngokuthe ngqo kwishishini elibike iiposti kwi-credit bureau, umz. Umniki-khadi wekhredithi , ibhanki okanye umqokeleli weetyala.
Unokwenza ingxabano ngokubhaliweyo kwaye ishishini liyadingeka ukwenza uphando nje ngeziko le-credit bureau. Xa ishishini ligqiba ukuba kukho impazamo kwi-credit report yakho, kufuneka yazise yonke i-credit bureaus yaloo mpazamo ukuze iingxelo zekredithi zilungiswe.
Thumela umvuzo wokususa isipho kumthengi wakho.
Kufuneka ufike ngokuchanekileyo ubike ingxelo engafanelekanga. I-ofisi yokufumana imali ayiyi kususa ulwazi oluchanekileyo, oluqinisekisiweyo nokuba uyayiphikisana nayo (kuba uphando luya kuqinisekisa ubungqina beli lwazi), ngoko ke kufuneka uxoxisane ukuba ufumane izinto ezithile zisuswe kwingxelo yakho yekhredithi.
Umvuzo wokunikezelwa kwefayile yindlela onokuyisebenzisa kunye nokugqithisa, okanye i-akhawunti eyadlulileyo. Kwintlawulo yokucoca ingxoxo, unikezela ukuhlawula i-akhawunti ngokupheleleyo ngokuchitshintshela ukuba unenkcazelo engalunganga isuswe kwingxelo yakho yekhredithi. Abanye ababolekisi baya kukuthatha kwi-offer.
Yenza isicelo sokunceda ukucinywa.
Ngomvuzo wokususa, ungasebenzisa imali njenge-bargaining chip ukuze uthole ulwazi olubi olukhutshwe kwi-credit report yakho. Ukuba sele uhlawule i-akhawunti, ke, unganamandla amakhulu okuxoxisana. Kule ngongoma, unokucela inceba ngokucela ukuchithwa kokunconywa .
Kwileta eya kumbolekisi, unokuthi uchaze ukuba kutheni ufike emva kwexesha, uchaza indlela oye waba ngumthengi ohlawula kakuhle, kwaye ucele ukuba iingxelo zichazwe ngakumbi. Kwakhona, ababolekisi akufanele bahambisane kwaye abanye abayi kuba. Ngakolunye uhlangothi, abanye ababolekisi baya kukwenza oku kususwa xa uthetha kumntu ofanelekileyo.
Lindela ukukhawulelwa kwexesha lesikweletu.
Ukuba zonke izinto ezihlulekayo, ukhetho lwakho kuphela ukulinda ezo zinto ezingekho phantsi kwe-credit report yakho. Ngethamsanqa, umthetho uvumela kuphela ulwazi oluninzi olubi oluya kubhengezwa iminyaka eyisixhenxe. Ukwahlukana nokutsalwa kwebhanki, okungaxelwa ukufikelela kwiminyaka eyi-10. Ezinye iindaba ezilungileyo kukuba ulwazi olubi luchaphazela amanqaku akho ekhredithi ngaphantsi kokuba ikhula kwaye njengoko uyifakela ngolwazi oluchanekileyo. Ukulinda akunakunzima njengoko ucinga.
Okwangoku, unako ukuphucula i-credit yakho ngokwenza iifihla ngexesha elifanelekileyo kwiakhawunti ovulekileyo kwaye usebenzayo.
Yintoni engasebenziyo
Ukufakela i-bankruptcy akususa ulwazi olubi kwi- credit report yakho . Ukuba kunye nawaphi na amatyala akho ekhutshwe kwi-bankruptcy , izilinganiso ziya kubikwa njenge-$ 0, kodwa i-akhawunti iya kuhlala kwi-credit report yakho. Ukongeza, ii-akhawunti ezifakiwe kwi-bankruptcy yakho ziya kuqatshelwa.
Ukuvala i-akhawunti akuyi kuphelisa ulwaphulo-mthetho. Ukuba uvala i-akhawunti kunye nexesha elidlulileyo lemali, inkokhelo yakho iya kubikwa njengento yokugqithisa kude ufikelele ekuhlawuleni. Into evala kuphela i-akhawunti ikugcina ungayisebenzisi.
Ukuhlawula ibhalansi ye-delinquent akuyikucima ukungena okungenayo kwingxelo yakho yekhredithi. Emva kokuba uhlawule ibhalansi, isimo se-akhawunti siya kutshintsha ku "Okwangoku" okanye "Ok" nje kuphela xa i-akhawunti ingathethiweyo okanye kwiqoqo . Iimali zokuhlawula kunye neengxelo zokuqokelela ziya kuqhubeka zixelwe ngale ndlela nangemva kokuhlawula imali.