I- Fair Credit Reporting Act ikunika ilungelo lokunika ingxelo echanekileyo nepheleleyo. Ukuba ufumana ulwazi olungapheliyo, olungaphelelanga, okanye olungachanekanga kwingxelo yakho yekhredithi, unelungelo lokuphikisana nalo kwaye lisuswe okanye lihlaziywe.
Izinketho zeNkcazo yeNgxelo yeNgxelo yeMatyala
Unokukhetha ezimbini zokuphikisa ulwazi lweengxelo zetyala.
Unokuphikisana ne-credit bureau, eyinkampani enoxanduva lokuqulunqa ingxelo yakho yekredenti ngokusekelwe kwingcaciso efunyenwe kubabolekisi bakho.
Okanye, unokuphikisana ngqo nomthengi okanye ibhankini owanikezela ulwazi kwiziko lemali-mboleko.
Qala ngokuphikisana ne-credit bureau, ngoko ukuba i-credit bureau ayikhiphi okanye ihlaziye ulwazi lwakho, unokuyilandela ngengxabano kumntu-mboleko owanikezela ulwazi.
Ukuphikisana neBusiness Bureau
Unokuphikisana nolwazi lwengxelo yekredithi ngqo kunye ne-bureau ye-credit nakwi-intanethi okanye ngeposi.
Ukuqalisa ingxabano ye-intanethi, kufuneka uqale umyalelo we-credit report. Emva kokuyalela ingxelo yekhredithi yakho kwi-intanethi okanye nge-AnnualCreditReport.com okanye kwiwebhusayithi ye-credit bureau, unokuphikisana ngolwazi olungachanekanga kwiwebhusayithi ye-credit bureau-Equifax.com, Experian.com, okanye iTransunion.com. I-ofisi nganye ye-credit kufuneka inike indlela yokulayisha, ifeksi okanye i-imeyli imibhalo exhasa ingxabano yakho, umz. Ikopi yetshekhi ekhansekileyo ebonisa ukuba wenze inkokhelo ngexesha.
Xa uphikisana kwi-intanethi, phawula umhla owafakayo umxabano wakho ukuze ukwazi ukulandelelana kunye ne-credit bureau ukuba inganikezeli impendulo ngexesha elifanelekileyo. Phrinta ikopi yaluphi na ubungqina besikhundla se-credit kwaye ugcine kwiirekhodi zakho.
Ukuphikisana ngeposi, bhala i- ngxelo yengxelo yemboleko yesaziso echaza impazamo.
Thumela ileta yakho kwi-credit bureau ebonelele ingxelo equlethe impazamo - zonke iitalato zentengiso ezintathu xa zonke iingxelo zeentengo zemboleko ziqulethe. Nantsi iileta zamathumeli kwiziko ngalinye le-credit:
Equifax
PO Box 7404256
Atlanta, GA 30374-0256
Experian
Ingxabano Isebe
PO Box 9701
Allen, TX 75013
TransUnion
Isisombululo sabathengi
PO Box 2000
Chester, PA 19022-2000
Xa usithumela iingxabano zeengxelo zemboleko, kufuneka uhambise iikopi zobungqina obufunekayo ukuxhasa ibango lakho. Gcina amaxwebhu okuqala kwiirekhodi zakho.
Thumela impikiswano yakho ngeposi eqinisekisiweyo, ngoko unako ukulandelela ileta yakho kwaye uqinisekise ukuba i-credit bureau iphendula ngexesha elifanelekileyo. I-credit bureau iphakathi kweentsuku ezingama-30 ukuya kwi-45 ukuphendula kwimpikiswano yakho ekukutsheleni umphumo wophando lwabo.
Ukuphikisana noMboneleli wolwazi
Xa uphikisana nomniki-mboleko owanikezela ulwazi kwiinkampani zokubika ngetyala, inkqubo iyafana nokuphikisana ne-bureau bureau. Bhala ileta ebonisa impazamo oyifunayo kwaye uchaze ukuba kutheni le ngcaciso ingalungile. Kwakhona, ukuba unobungqina bokuba uxhasa ibango lakho, thumela ikopi yalo.
Unokufumana idilesi yoshishini ngokujonga kwi-statement yokubhatala.
Qinisekisa ukuba ukhangele idilesi ekubhekiselele kuyo; ngokuqhelekileyo ihluke kwidilesi apho uthumela khona iintlawulo. Ukuba awukwazi ukufumana idilesi, okanye awusayi kuba neengxelo zentlawulo, fownela inkampani uze ucele idilesi efanelekileyo yokuthumela idilesi.
Umnikezeli wolwazi kufuneka ukuba enze uphando, njenge-bureaus ye-credit, kwaye uhlaziye ingxelo yakho yekhredithi ukuba ulwazi luyimpembelelo.