Isizathu sokuba amanye ama-akhawunti aqokelelweyo angabonakali kwiNgxelo yakho yeMali
Kungenxa yokuba ityala alikho kwi-akhawunti yakho yemboleko ayikuthethi ukuba akuvumelekanga.
Ityala lingahle libonise kwingxelo yakho yekhredithi yeyiphi na yezi zizathu.
- I-matyala ingaphaya kwexesha lokunika ingxelo yokuthenga ngetyala . Uninzi lwamatyala lungabhaniswa kwingxelo yakho yeebhanki iminyaka eyisixhenxe. Emva koko, i-credit bureaus ayikwazi ukunika ingxelo ngetyala.
- Ityala lingaphaya kommiselo wemida. Musa ukudibanisa umda wexesha lokunika ingxelo ngetyala kunye nommiselo wokunciphisa ityala , eli lixesha lexesha elihlawulwa ngumtyala. Ezi zimbini azidibeneyo, ngaphandle kwezigwebo zenkundla kwilizwe apho ummiselo wokunciphisa umgwebo ude kunomlinganiselo wokunika ingxelo ngekredithi.
- Umqokeleli weetyala akabikanga okwamanje . Kungenzeka ukuba umqokeleli wetyala uzimisele ukubhala i-akhawunti kwingxelo yakho yekhredithi, kodwa mhlawumbi kukunika ithuba lokuhlawula ityala kuqala. Ezinye i-akhawunti ziya "kwiiqoqo zangaphambili" xa ziphela enye okanye ezimbini iinyanga ezidlulileyo ngenxa. Ngeli xesha, unokufumana iifowuni okanye iileta malunga netyala nangona akukho kwingxelo yakho yekhredithi okwamanje.
- Ityala lenye kwenye ingxelo yengxelo yemboleko . Unengxelo zemboleko ngeenkonzo ezintathu ezinkulu zemali-mboleko - i-Equifax, i-Experian, ne-TransUnion. Ukuba uthe wahlola kuphela ityala kwenye yeengxelo zakho zemali-mboleko, kungenzeka ukuba ityala livela kwenye.
- Umqokeleli wetyala akaxeli kwii-credit bureaus . Enye inokwenzeka kukuba umqokeleli wetyala akayi kubhalisela nayiphi na inkonzo yee-credit bureau. Abaqokeleli-matyala bafuneka ukuba banike ingxelo ngokuchanekileyo ngamatyala xa bathetha ukunika ingxelo kwiivenkile zemali-mboleko, kodwa ukunika ingxelo ngetyala kukuzithandela.
- Ityala akulokho . Abanye "abaqokeleli ityala" bahlawula abathengi abaqhelisayo ukuba bahlawule amatyala abo abangabakho okanye abangekho. Abagxeki banethemba lokuba uza kuhlawula ngaphandle kokubuza ngokuqinisekileyo ukusemthethweni kwetyala.
Indlela Yokufumana Ubungqina Bokuqokelela Amatyala
Ukuqinisekisa ukuba ngaba ityala lenu ngokwenene, unokucela ukuqinisekiswa kwetyala kwiintsuku ezingama-30 zokuqala koqhagamshelwano lokuqokelela ityala. Emva kokufumana isicelo sakho, umqokeleli wetyala kufuneka akuthumelele ubungqina bentyala. Umqokeleli naye akakwazi ukuqhubeka nemigudu yokuqokelela kwi-ityala de ikuthumelele ubungqina bentyala.
Ukuba umqokeleli ukuthumela ubungqina obuyanelisayo bokuthi ityala ngokwenene lingowakho, unokwenza isigqibo sokuba ufuna ukuhlawula. Ukuhlawula ityala elidlulileyo umda wexesha lokubhengezwa ngetyala akuzuzanga ukunyaniseka kwetyala lakho, kodwa lifumana abaqokeleli ityala kuwe. Ngenxa yamatyala avela kwingxelo enye yerhafu, unakho ukuhlawula umvuzo ukuze ususe ukususa ityala kuloo ngxelo yengxelo yemboleko. Okanye, ukuba i-akhawunti inokuqokelelwa kwangaphambili, ukuhlawula ityala kuya kukugcina ukuba ingabonakali kwingxelo yakho yekhredithi.
Yintoni eyenzekayo Ukuba awuyi kuhlawula
Ukuba ukhetha ukungayikhokheli ityala, qaphela ukuba umqokeleli unokuqhubeka nokukulandela ngenxa yetyala elingenammiselo - oko kuthetha ukubiza, ukuthumela iincwadi, okanye ukukuxela ngamatyala asele miselo yemingcele - nangona engekho kwi-credit yakho ingxelo.
Unokumisa iifowuni zokuqokelela amatyala ngokuthumela ukubhalwa okubhaliweyo kunye neleta yokucela ukuba bayeke ukukubiza.