Ngokuqhelekileyo, uyazi ukuba ngubani na oqokelelwa ngetyala ngenxa yokuba baye babiza, bathumela iileta, okanye badibanise i-akhawunti kwingxelo yakho yekhredithi. Nangona kunjalo, kukho umzekelo apho uyazi ukuba unayo i-akhawunti kwingqokelela, kodwa awazi ukuba yiyiphi i-ejensi yokuqokelela inomatyala. Nazi iindlela ezine onokuzifumana ukuba iyiphi i-arhente yokuqokelela okanye i-arhente.
Buza umCredit Original
Ukuba uyazi ukuba ityala lakho lihanjiswe kwi-arhente yokuqokelela, unokufumana ukuba yiyiphi i-ejensi yokuqokelela enetyala ngokubiza umnini-mboleko wangaphambili-shishini oye laqala ukuba ne-akhawunti.
Umniki-mboleko oyisisiseko uya kuba nako ukuxelela ukuba yeyiphi i-ejensi yokuqokelela i-akhawunti eyabelwe okanye ithengiswe kuyo.
Ngokuxhomekeke ekubeni ngaba ityala linikezelwe okanye lithengiswa kwi-arhente yokuqokelela okanye umthengi wekhredithi yangaphandle, umboleki-mboleko wangaphambili angayi kuhlawula okanye axoxe nge-akhawunti nawe. Ukuba ufuna ukunyamekela i-akhawunti, ungaqhagamshelana ne-arhente yokuqokelela ukuze ufumane into omele uyihlawule ngayo nendlela yokuhlawula ngayo.
Hlola iNgxelo yakho yeMali
Indlela yesibini yokufumana ukuba yiyiphi i-arhente yokuqokelela enetyala ukujonga iingxelo zakho zemali-mboleko . Uninzi lwee-arhente zokuqokelela zibika iingxowa kwii -credit bureaus , ngoko unokufumana igama kunye nenombolo yefowuni ye-arhente yokuqokelela kwirekhodi yakamuva ye-credit report. Akukho ndlela yokukwazi ukuba i-arhente ethile yokuqokelela ibika ityala lakho kwiziko le-credit card okanye zonke ezintathu, ngoko kuya kufuneka uhlolisise iingxelo zakho zekredithi nganye kwii-ofisi ezinkulu zemali-mboleko: i-Equifax, i-Experian, ne-TransUnion.
Xa uhlolisisa ingxelo yakho yekhredithi, unokufumana ezinye iifowuni zeentlawulo onokungazazi ngazo. Yenza uluhlu lwazo zonke iikholeji ukuze uqale ukuziphatha. Ukuba ufumana iifowuni eziqokelelweyo okanye ezingezakho, ziphikisana nazo ngee-credit bureaus ukuba zikhutshwe kwi-credit report yakho.
Khangela iVoicemail yakho kunye ne-ID yeefowuni
Ukuba ufumene iifowuni ukusuka kumqokeleli weetyala, unokuzifumana igama le-ejensi yokuqokelela. Unokufumana i-arhente yokuqokelela kunye nenombolo yefowuni kuphela kwi-ID yakho yeefowuni okanye nge-imeyile yezwi ngokuthayipha inombolo kwinjini yosesho. Iziphumo zophando zingaqukatha amaphepha ukusuka kwi-800notes.com okanye i-aphocalled.us apho abanye abantu babelane ngolwazi malunga nababiziweyo belo nani kunye nemeko yocingo.
Ezinye i-arhente ze-iqoqo ziphatha kuphela iintlobo ezithile zeetyala, umz Ukukhangela inamba yefowuni ye-arhente yokuqokelela ingakunceda ukuba ufumene ngubani obole imali kwaye kutheni.
Ungabuyisela umnxeba wefowuni yokuqokelela, kodwa qaphela ngokubiza abaqokeleli berhafu ngaphandle kokulungiselela kuqala. Lindela ukuba umqokeleli weetyala uzame ukuqokelela intlawulo evela kuwe xa efika kuwe kwifowuni.
Lindela ukuba bakubizele
Xa ungeke ukwazi ukufumana nantoni na evela kumntu oyimali-mboleko yangaphambili, inkokhelo ayibhalwanga kwingxelo yakho yekhredithi, kwaye awufumananga iifowuni malunga netyala, unokulinda nje ukuba umqokeleli wetyala adibanise nawe. Amatyala amadala ahlala eshintshela kwi-ejensi yokuqokelela eyahlukileyo kwiinyanga eziliqela, ngoko ekugqibeleni ityala liya kuthunyelwa kwi -arhente yokuqokelela enokufumaneka ngenye yezindlela ezibalwe apha ngasentla.