Oko Kufuneka Ukwazi Ngeziqhamo Zobungqina Bokubuyisela Ubusela

Ubungqina bokubuyiselwa kweNkcazo ngokuchasene neSisombululo sesazi

Kukho ininzi yemibutho, kuquka iinkampani zomshuwalense ezinokuthathwa kakuhle, ezinikezela iinkqubo ezijoliswe kukukunceda ukuba uphinde uphinde uzibonele, i-credit, kunye negama elihle emva kokubiwa kwezinto. Bahamba ngamagama amabini anesandi esicatshulwa ngokufanayo: "isisombululo sesazisi," kunye "nokubuyiswa kwamagama."

Nangona zombini izigqibo kunye nokubuyiselwa zikhokelela kwiziphumo ezifanayo, nangona kunjalo, zihamba kwinkqubo ehluke ngokupheleleyo.

Abo banceda "ukulungisa" ubusela bezobakho bazimisele ukukhokela wena, ixhoba, ngokusebenzisa inkqubo ede kwaye inzima. Abo babuyisela ubungqina bonke umsebenzi, okukuvumela ukuba ugweme ukuchitha ixesha elininzi kunye namandla omzimba kwinkqubo.

Ziziphi iiNzuzo kunye neNgcaliso yoLwazi lweNkqubo yoBuHoba beCawa?

Iinkonzo zokubuyisela ubusela bezokwazisa, kodwa abantu abasebenzisayo bayazixhaphaza ngabo. Ukudibanisa neprogram yolwaphulo-mali yokuchithwa kweengxowa-mali, iinkonzo zokubuyiselwa ziyakwazi ukukhuselwa ngokugqithiseleyo ekubanjweni kwesazisi ukuba imali ithenge. Ngokungafani neenkonzo zokusombulula ubusela bezazisi, ezinokuthi zenze okanye zingenzi nantoni na umsebenzi kuwe, yiyo kanye kanye naziphi iinkonzo zokubuyisela ubusela bezazisi. Isixa somsebenzi omele ubeke kuso ukufumana i-identity yakho encinci, kwaye isiphumo (ukucinga ukuba usebenza kunye nenkampani ehloniphekileyo) siqinisekisiwe.

IiNkqubo zokuBuyiselwa kweNkcukacha zobunjani?

Ukuze usebenzele egameni lakho, nayiphi na inkonzo yokubuyisela inkohlakalo iya kufuna enye ifom yegunya elingagqithanga lommeli .

Ngokuqhelekileyo kufuneka ukuba uzalise ingxelo yakho yokuqala yamapolisa uze ubanike ikopi yayo. Bangakufuna ukuba ufake ifowuni kunye neFTC, kwaye unike ikopi yale fom yekhalazo.

Ukuxhotyiswa ngala maphepha, iinkonzo zokubuyisela ubusela bezazisi zenza konke ukuphakamisa okunzima. Zenza iifowuni, zithumela iileta, kwaye mhlawumbi zibaluleke kakhulu, zinokufikelela kwiSebe lezomthetho okanye ilungiselelo lenkampani yomthetho ukujongana nemiba esemthethweni eyovela ngokukhawuleza xa ulixhoba lobusela besazisi.

Njengoko unokulindela, oku kwenza izinto zibe lula ngabo ukuba zixazulule, kuba azidingeki ukuba zijongane neenkonzo zokuthengwa kwabathengi. Kunoko, bathetha namanye amagosa, kwaye ukuba kukho enye into abameli abadumileyo, bayisebenzisa kakuhle ixesha labo.

Iinkonzo zokubuyisela ubusela bezobuchule zisebenza kakuhle ngenxa yokuba zihlanganiswa ngabantu abazi oko benzayo okokuqala.

Inkonzo yokuqala yokubuyisela ubusela (kuqala mhlawumbi yokuqala yeenkonzo zokuba utywala), yenziwa nguKroll, inkokeli kwishishini lokubeka ingozi kunye nezinye iindlela zokulawulwa kwengozi. I-Kroll iphinde igcine oonxibelelwano olufanelekileyo kuLawulo loKhuselo loLuntu kunye nobuninzi beenkcukacha zokugcinwa komthetho ngenxa yokuba zidla ngokukhawuleza ekunikweni kwemvume yokukhusela ngokwenza uphando lwangemvelaphi.

Ezinye iiprogram ezenza uhlobo oluthile lokubuyisela ukwebiwa kwelokuba zihlala ziqhutywa okanye zisebenza ngabameli kunye namagosa okuthotyelwa komthetho. Bona, nabo banomdla olungileyo ukuba bathethe ntoni ukuze bathathe isisombululo ngokukhawuleza nayiphi na imiba enxulumene nebabi kwaye baqhelanise nemithetho efuneka ilandelwe.

Ukufumana iiNgcaciso zokuBuyiswa kweNkcukacha

Ngokuqinisekileyo, kunokwenzeka ukufumana iingcali zezinto zokubuyiselwa ubungqina ngokukhawuleza.

Kodwa enye indlela efanelekileyo yokuqinisekisa ukuba ufikelele kwi-ingcali yokubuyisela ubunikazi kukuthenga i-inshorensi. Ifama yeFama kunye ne-Allstate Insurance (phakathi kwabanye) inikezela ngemveliso ye-inshurensi yemveliso yabantu kunye namashishini. Ukuba ukhetha ukungaziqiniseki, unokuhlala uthayipha kwiKroll, Lifelock, okanye enye inkampani ephezulu eyosebenza nawe.