Umsebenzi we-Identity Protection of theft Inkampani
Okokuqala, ufanele wazi ukuba nje umntu obeka iliso lakho ngetyala, abayikumisa umntu obi ukuba angabi okanye asebenzise ulwazi lwakho lwezemali.
Ezi nkampani zibukele ingxelo yengxelo yakho yekredithi kwaye ikuqaphele ukuba kukho naziphi ii-akhawunti ezintsha okanye imibuzo yesikweleti. Kwezinye iimeko bajonga inamba yakho yeNgcaciso yeNtlalo kwiimfuno ezintsha zekhredithi kwaye ngexesha lokugqibela liyakulindela ukuba kwenziwe umzamo wokuseka i-credit. Oku kunokuba luncedo, njengoko unokunyamekela imeko ngokukhawuleza ukuba umntu uzame ukweba ityala lakho.
Ezi nkampani nazo zinokunikela iinkonzo ezongezelelweyo ezinjengokubeka iliso kwinombolo yakho yoKhuseleko loLuntu kwiwebhu ebumnyama, umsebenzi we-akhawunti yebhanki, okanye ukujonga ubusela bezokwelapha. Mhlawumbi umbandela obaluleke kakhulu kule nkonzo "yindawo yokubuyisela" apho i-agent isebenza egameni lakho ukulungisa ubuni obubiweyo. Nangona oku kukhulu, ngaba ufanele u-10-30 okanye ngaphezulu kwenyanga onokuyihlawula? Kubantu abaninzi, ndicinga njalo.
Ngaba Unokuzenza Ngakho?
Ukuba sele sele ulixhoba loba utshintshi, okanye ubunikazi bakho buye buthatyathwa ngenye indlela, unokwenza ngokuqinisekileyo zonke izinto ezisisiseko ezi zinto zinikezela zona, kodwa unobungozi obuphezulu.
Ukuba ulixhoba lokusela i-ID, kufuneka uqwalasele ezi nkonzo, ngonaphakade.
Ukuba awukho ixhoba, ufuna ukusebenza ngokuzikhusela. Ukuba ucinga ngezi nkonzo, ndicinga njalo.
Okwangoku, ukwenzela ukuba uyenze, kukho ezininzi iiwebhsayithi ezivumela ukuba ukhangele ingxelo yakho yekredithi kwaye ulandele amanqaku akho.
Ukuba ubona into engalunganga, unokuyibika ngokukhululekile kwi-IdentityTheft.gov. Kodwa, ngokunyanisekileyo, andiqinisekanga ukuba oku kunceda ntoni. Kukho izixhobo kwiwebhsayithi ezikunceda ukuba uphinde ufumane. Isiko soLwazi lwezoBuLwazi kwi-www.IDTheftCenter.org sinokukunceda.
Kufuneka ujonge kwakhona ukukhankanya i-credit yakho. Oku kuyinto enokuyenza ngokwakho, njengaye, njengoko iinkampani zokujonga i-ID zingenakukwenza oku. Kukho inkokhelo encinci yokwenza oku, ngokuqhelekileyo ukukhululeka ukuya kwi-$ 10, kwaye iyimali yexesha elilodwa, kungekho inkokhelo yenyanga. Emva kokuba ushitshise i-credit yakho, udla ngokukhuselekileyo.
Ukuba Ukhetha Umzila Wenkonzo Yokukhusela Ulwabizo ...
Ngokuqhelekileyo, ukuba unyakaza i-credit yakho kwaye ubeka ingxelo yengxelo yakho yekhredithi, wenza umsebenzi omhle ekuzikhuseleni. Nangona kunjalo, kubantu abathile, njengoko kuchaziwe ngasentla, kusenokuba yinto efanelekileyo yokujonga iliso lokusela ukweba. Ukuba ufuna ukukwenza, qiniseka ukuba uthelekisa amanani kunye nemiba phambi kokuba uthenge. Kwakhona, qinisekisa ukuba usebenzisa isevisi ejongene nazo zonke iindawo ezinkulu zentengo zemboleko. Kwakhona ingcinga efanelekileyo yokuhlala kude neenkonzo ezinikwe kwiinkampani zekhadi lesikweletu. Ngokuqhelekileyo, zizinkonzo ezingenamzimba.
Ezinye iindlela zokugcina ulwazi lwakho lukhuselekile
Kukho ezinye ezininzi izinto onokuzenza ukuze uzigcine ukhuselekile ukuba ukhetha ukuba ungathengi ukuhlolwa kwekhredithi.
Ukulahla Imeyili Yakho KwiFestile Ekhuselekileyo: Into enye ongayenza ukuze ugcine ulwazi lwakho lukhuselekile kukutshiza i-imeyile yakho. Oku kunciphisa kakhulu amathuba okuba isela le-ID liza kufumana ulwazi lwakho. Gcina nje ukhumbule ukuba iinkampani ezinolwazi lwakho, njengebhanki yakho okanye nomboneleli wakho wefowuni, kungenzeka ukuba ingacapheli ngale nto. Ngoko, isenokuphela kwisandla samasela.
Khetha ukuphuma kwi-Imeyili engenayo kunye neKhadi leKharityhulam elivunyiweyo ngaphambili. Unokukhetha kwakhona ukuphuma kwi-imeyile engenanto okanye ukunikezelwa kwamakhadi ekhredithi kwangaphambili. Unokwenza oku ku-OptOutPrescreen.com. Oku kuphelisa ininzi, kodwa akusiyo yonke into, i-junk efumana indlela yayo ebhokisini lakho leposi.
Hlola Ingxelo Yemali Yakho: Njalo hlola ingxelo yakho yekhredithi. Unokufumana ingxelo yehhala rhoqo ngonyaka kwi-AnnualCreditReport.com. Gcina ukhumbula ukuba oku akumthinteli umntu ukuba athathe ulwazi lwakho, kodwa unokukuxelela ukuba umntu uthathe ubuni bakho ngenxa yeendleko zobuqhetseba, ii-akhawunti zekhadi zekhredithi ezingaqhelekanga kunye nezinto ezinjalo.
Fumana iziqapheli zeNkohliso: Kwakhona ingcamango elungileyo yokuseka izilumkiso . Kha wuleza, qaphela ukuba oku akuyeki ukumisela amasela ekufumaneni ulwazi lwakho. Bavele bakuxelele ukuba kukho ukukhwabanisa kwiakhawunti zakho. Kwakhona, ezi ziphela emva kweentsuku ezingama-90, ngoko ke kufuneka uhlaziywe inkonzo.
Khuphela i-Credit yakho: Kwakhona, oku kubaluleke kakhulu. Ngomnye wamatye othotho olusisiseko ekukhuseleni ukwebiwa kwezinto. Nangona kunjalo, kukho i-caveat apha, nayo. Ukukhutshwa kwekhredithi yakho akuyi kukhusela ukuchongwa kwakho kwizinto ezifana nokuthatha iakhawunti, ukwebiwa kwezazisi zezokwelapha, ukwebiwa kwe-ID okanye ukweba kwe-ID.