I- Fair Credit Reporting Act (FCRA) idinga ukuba amashishini abe nesizathu esibamkelekileyo sokufikelela ingxelo yengxelo yakho yekhredithi. Izizathu ezifanelekileyo zibandakanya:
- Ukunikezela ngetyala. Ukuba wenze isicelo sekhadi lesikweletu, umbolekiso, okanye ezinye iinkonzo ezisekelwe kwiintengo zemali-mboleko, ishishini linemvume yokufikelela kwingxelo yakho yekhredithi ukuqinisekisa ukuba ufanelekile.
- Ukuqokelela ityala. Abaqokeleli bematyala bangasebenzisa ingxelo yengxelo yemboleko ukuze bafumane ulwazi, njengalesi dilesi okanye kwindawo yokuqeshwa, eya kubancedisa ukuba baqokele ityala.
- Bhala phantsi umshuwalense. Abanye abanikezeli be-inshorensi basebenzise amanqaku ekhredithi ukuze balinganise amathuba okuba uza kufaka ibango.
- Ngqesho. Abangoku kunye nabaxhasi abaza kuba nako bahlolisise ingxelo yengxelo yakho yemali ngaphambi kokuba kuqeshwe izikhundla ezithile, ngokukodwa izithuba zezolawulo zezinga eliphezulu nakwezemfundo.
- Amanye arhente karhulumente angaqwalasela ingxelo yakho yekredithi ngaphambi kokukhupha iilayisensi ezithile.
- Imicimbi yezoshishino ezisemthethweni.
Iinkampani ezifikelela kwingxelo yakho yekhredithi phantsi kwe-pretenses okanye abo bawusebenzisa ngokungekho mthethweni baphula umthetho we-Federal. Unokwazi ukuphikisa inkampani ephula amalungelo akho.
Iintlobo ezimbini zeeNgxelo zeNgxowa-mali
Eminye yemibuzo kwingxelo yakho yekhredithi ayifakiwe kwimilinganiselo yakho yekhredithi. Imibuzo eyenziweyo ngenxa yesicelo oyenziweyo ngetyala yiyo echaphazela amanqaku akho.
Imibuzo yokuzithandela, okanye "nzima," yimibuzo kuphela yesikweleti ebalalayo kumanqaku akho ekhredithi.
Xa uhlolisisa ingxelo yakho yekhredithi, unokwazi ukuba imibuzo emininzi ibonakala kwimashishini apho ungayifaki i-credit. Amanye amashishini angakujonga ingxelo yakho yekhredithi kuba ufuna ukunikela ngempahla kunye neenkonzo kuwe.
Ngokomzekelo, ababolekisi abathumela "iipredithi zangaphambili ezivunyiweyo" zibonelela ngokukhawuleza ingxelo yakho yekhredithi kuqala ukuba ubone ukuba uhlangabezana neendlela eziphambili zekhadi lesikweletu.
Imibuzo yemboleko nayo yenziwa ngabaqeshi, abashishini osube neentengo zemboleko kunye nawe. Akukho nanye yale mibuzo "elula" ekubala kumanqaku akho ekhredithi.
Ingxelo yengxelo yakho yekhredithi oyibonayo ibandakanya yonke imibuzo eyenziwe kwingxelo yakho yemali kwiinyanga ezingama-24 ezidlulileyo. (Imibuzo emidala iyancipha emva kweenyanga ezingama-24.) Xa ababolekisi nabathengi bejonge ingxelo yengxelo yakho yekredithi, kuvele imibuzo enzima.
Indlela Imibuzo echaphazela ngayo amanqaku akho
Imibuzo kwingxelo yakho yekhredithi yenye yeendlela iindlela zokuthenga ngetyala zemakampani zilinganisa umngcipheko wokuba uzakuzibophelela kwiimbopheleleko zentengo entsha. Imibuzo emininzi ingathetha ukuba uthatha amatyala amaninzi okanye ukuba unengxaki ethile yemali kwaye ufuna i-credit ukuze ikuncede. Imibuzo emininzi inganciphisa amanqaku akho.
Ngokuxhomekeke kwimeko engakanani ekhoyo kwingxelo yakho yemali-mboleko, uphenyo olongezelelweyo lungenakuphazamisa amanqaku akho ekhredithi. Ngakolunye uhlangothi, ukuba unembali emfutshane yesikweletu kunye neengxelo ezimbalwa, uphando olongezelelweyo lunokubangela ukuba amanqaku akho ahlawule ngamaphuzu ambalwa.
Ingxelo yeengxelo zemboleko izakuhlala kwingxelo yakho kwiminyaka emibini, kodwa kuphela ezo ezenziwa kunyaka odlulileyo zibandakanyiwe ekubaleni kwamanani akhokredithi. Imibuzo enje yentsholongwane inomphumo omkhulu kumanqaku akho.
Imibuzo kunye neNqanaba lokuThengwa
Xa uthengisa nge-mortgage okanye mboleko yemoto, ufuna ukufumana umgangatho ophezulu-kwaye kufuneka. Unokhathazeka ukuba ukufumana i-credit yakho ihlolwe ngabathengi abaninzi bangalimaza amanqaku akho.
Iindaba ezilungileyo kukuba ukuba amaninzi amanqaku eemarike ayiphatha yonke imithwalo yemali kunye nemibuzo yemoto njengophando olulodwa, nje kuphela ukuba imibuzo iyenziwe ngexesha elithile. Ngomxholo wamuva we- FICO, amanqaku angama- 45 iintsuku.