Funda ngeNkcazo yeMilinganiselo kwiNgxelo yakho yeMboleko
Ingxelo yakho yekhredithi iqulethe irekhodi phantse yonke i-akhawunti yakho yemali kunye neentengo zemboleko, amatyala atyala kunye nezinye iirekhodi zoluntu. Ekubeni ingxelo yakho yekhredithi isiseko sezigqibo ezininzi zemali, ufuna ulwazi oluchanekileyo nolungileyo ukubonisa kwingxelo yakho yekhredithi. Ufuna nokuba nolwazi olubi luhambe ngokukhawuleza. Nangona ulwazi oluchanekileyo lunokuthi lubikwe ngonaphakade, ulwazi olubi luhlala kuphela kwingxelo yakho yekredithi malunga nobude obude bexesha.
Eli xesha lixesha lokukhawulwa kwexesha lexesha lokuthenga ngetyala .
Abathengi abaninzi bacinga ngokugqithiseleyo ukuba amatyala kufuneka alahleke kwiingxelo zeentengo zemboleko emva kokuba ummiselo wokunciphisa udlulile, kodwa badibanisa ummiselo wokunciphisa ngokukhawulelwa kwexesha lokunika imali. Ngenxa yokumahluko kwezi zihlandlo ezimbini, ezinye iitalato ziyakwazi ukudwelwa kwingxelo yakho yekhredithi emva kokuba ummiselo wokunciphisa uphumelele.
I-Statute yemingqinisiso neNkcazo yeNgxelo yeNgxowa-mali
Ummiselo wokunciphisa kunye nomda wexesha lokubhengezwa kwekhredithi ngamaxesha amabini ahlukeneyo kwaye azimeleyo, alawulwa yimithetho eyahlukileyo. Ummiselo wemingcele uhluka ngoombuso kwaye unokuthi ube mfutshane njengeminyaka emithathu, kuxhomekeke kumthetho ngamnye wombuso. Ummiselo wokunciphisa uthintela ixesha elithatyathwe ngokomthetho ngetyala.
Ngamanye amagama, yimalini yexesha umthengi angasebenzisa inkundla ukuba akuphoqe ukuba uhlawule ityala.
Kwiimeko ezininzi, imimiselo yemingcele ayinakuchaphazela ukuba ngaba ityala libonisa ingxelo kwingxelo yemboleko kwaye ifuthe kuphela kumandla omboleki ukuba anqobe umgwebo kuwe. Ukuphumelela ityala ngokusekuphelelwa komqathango wemimiselo, wena (kunye nommeli wakho) kufuneka ubonise inkundla uze ubonise ingxabano kunye nobungqina bokuba umthetho weemingcele udlulile.
Ngakolunye uhlangothi, ixesha elichazwa ngetyala lokuthenga ngetyala, ngethuba elichaza ixesha elide lokuhlawulwa kwetyala kwi-credit report yakho. Ixesha elichazwe kwi- Fair Credit Reporting Act (FCRA) liyiminyaka esixhenxe kwiintlawulo ezininzi. I-FCRA ngumthetho wesigqeba kwaye iyafana nawawo onke amatyala, kungakhathaliseki ukuba yindawo apho ityala lenziwe khona.
Xa umda wexesha lokubhengezwa ngetyala ulidlulileyo, ulwazi oluninzi olubi luya kuhlawula ngokuzenzekelayo ingxelo yakho yekhredithi ngaphandle kwenzalo yakho. Ukuba kukho inkcazelo engafanelekanga engapheliyo kwingxelo yakho yekhredithi, ungathumela ingxabano yengxelo yekhredithi kunye ne-bureau ye-credit ukuze uyisuswe.
Imbango yokugwetywa kweeNkundla
Ukuba uhlala kwenye yezo zizwe ngemimiselo emifishane yemingcele, unakho ukuhlawulwa kwamatyala asele kwingxelo yakho yemboleko nangemva kokuba ummiselo weemingcele udlulile. Ikhefu xa ummiselo wombuso weemilinganiselo zesigwebo somgwebo ungaphezulu kweminyaka eyisixhenxe. Kwimeko enjalo, isigwebo singahlala kwingxelo yakho yeekhredithi kude kube yimiqathango yokuphela kwemilinganiselo.
Ukuba uqala kabusha ummiselo wemingcele-ngokwenza intlawulo kwi-matyala, umzekelo-ayinyuli inani lemali eliza kuboniswa ngetyala kwingxelo yakho yekhredithi.
Kungcono kakhulu ukuhlawula i-akhawunti ezidlulileyo-ngenxa yokuba uneminyaka emininzi ukubonakalisa kwingxelo yakho yekhredithi, kungakhathaliseki ukuba imimiselo yemingcele idlulile. Ababolekisi nababolekisi baya kukujonga ngakumbi xa ii-akhawunti zihlawulwa.