Izinyathelo ezi-8 zokusingatha i-Akhawunti yeKhadi leKhadi elikhohlisayo
Ukuba ufunda ukuba umntu uvule ikhadi lekhredithi egameni lakho ngaphandle kwemvume yakho, thatha la ma nyathelo ukucima i-akhawunti kunye nomlando wakho wekhredithi.
Qhagamshelana neSebe loBuqhetseba
Fumana igama lomnikezeli wekhadi lekhredithi kwi-akhawunti engagunyaziswanga. Qhagamshelana neSebe labo lobuqhetseba ukuba ivalwe i-akhawunti. Sebenzisa inombolo evela kwiwebhusayithi ye-card issuer yekhadi-mboleko - ayikho enye oyifumene nge-imeyile engafunwanga okanye umnxeba. Vumela umniki wekhadi lekhredithi azi ukuba i-akhawunti ayikho eyakho. Umnikezeli wekhadi lokuthenga ngetyala unokucela ubungqina obuninzi, njengengxelo yamapolisa okanye i-affidavit yobalo besazisi.
Qaphela naluphi na umnxeba umnxeba oyifumana kwi-"yecandelo lobuqhetseba". Oku kungaba ngumngcikivo ozama ukukwenza ukuba unikezele ulwazi lomntu siqu abangayisebenzisa ukwenza ubuqhetseba.
Qaphela ukuba uxanduva lwakho lweenkokhelo ezikhohlisayo
Awunobangela werhafu nayiphi na into engagunyaziswanga. Ukuba umntu uvula ikhadi lekhredithi egameni lakho ngaphandle kwemvume yakho, awukho uxanduva lweentlawulo ezenziwe kwikhadi.
Kodwa, kufuneka uthathe isinyathelo ukuze uqiniseke ukuba awunakutyala. Bika ubuqhetseba ngexesha elifanelekileyo kwaye unikezele naluphi na ubungqina izicelo zezikhupheli zekhadi lesikweletu.
Hlola Ingxelo Yemali Yakho Yokwenza Ukhohlisi Olunye
Kukho ukuvula ama-akhawunti angaphantsi kobuqhetseba ongawaziyo. Hlola iingxelo zakho zeentengo zemali kuzo zonke iindawo ezinkulu zeentengo zemboleko-i-Equifax, i-Experian, kunye ne-TransUnion-khangela nayiphi na enye i-akhawunti evulekileyo egameni lakho.
Akufanele uhlawule ingxelo yengxelo yemboleko ukuba ufuna iimeko zokukhwabanisa. Uvumeleke ngokuzenzekelayo ikhophi yamahhala yengxelo yakho yekhredithi ukuba ube lixhoba lobusela besazisi.
Gcwalisa iAffidav yoTywala
Ifom yeFayili yeFayili ye-Afidavit iyimfuno yokuzithandela, kodwa inokukunceda ukuba ufumane ama-akhawunti angamaqhetseba avela kwingxelo yakho yebhanki ngokukhawuleza. Uyakufuna kwakhona ifom ukuba unquma ukubeka uqwalaselo olongezelelweyo kwingxelo yakho yekhredithi (uqapheli lobuqhetseba lweminyaka emithathu ngokumalunga noqheliso lobuqhetseba lomhla-90). Unokubonelela ngefayili yeAft kwipolisa yakho yangaphakathi ukuncedisa ingxelo yabo yamapolisa.
Fakela ingxelo yePolisa
Ukuba uyazi ukuba ngubani ovule la ma-akhawunti, unokunyanzelwa loo mntu. Nangona ungeke ukwazi ukuba ngubani ovule i-akhawunti yebuqhetseba, kufuneka usayifaka ingxelo yepolisa. Ingxelo yamapolisa iya kubaluleka ekufumaneni iakhawunti kwaye isuswe kwingxelo yakho yekhredithi.
Ukuphikisana ngama-Akhawunti Akhohlisayo kunye neCandelo ngalinye leNgxowa-mali
Thumela ikopi ye-polisa yakho ingxelo kunye ne-ID yefayibhafti yefayili kwiimboleko zemali njengobungqina bokuba i-akhawunti yebuqhetseba ayikho eyakho. Ngaphandle kwala maxwebhu, i-credit bureaus ayikwazi ukususa ii-akhawunti ezikhohlisayo ukusuka kwingxelo yakho yekhredithi nangona bengabakho.
Qinisekisa ukuba le akhawunti ikhutshwe kwingxelo yakho yekhredithi. Iingxowa-mboleko zemali-mboleko zimele ukuba zithumele ingxelo yekhredithi ngesikolo ngokuzenzekelayo nayiphi na ixesha apho ingxelo yakho yengxelo yekhredithi ibangela ukuba utshintshe kwingxelo yakho yekhredithi. Emva kokuba ufumene ingxelo yengxelo yemboleko, buyekeze kwakhona ukuze uqiniseke ukuba iikopi ezikhohlisayo zisusiwe. Phinda nenkqubo yokuphikisana xa i-akhawunti ingasuswanga kwingxelo yakho yekhredithi.
Uvumelekile ukuba ufake ifowuni ngokumelene ne-bureau yeekhredithi ehluleka ukususa ulwazi olungachanekanga kwingxelo yakho yekhredithi. NgoJulayi 2013, i-Equifax yalahlekelwa yimali eyi-18.6 yezigidi zokungaphumeleli ukususa ulwazi olungachanekanga kwiingxelo zemali yowesifazane naphezu kweengxabano zakhe ezisibhozo.
Cinga ngoKhuselo olongezelelweyo kwiNkcitho yakho
Unokongeza isilumkiso sokukhwabanisa okanye ukhuseleko kwi-credit report yakho ukukhusela ikhredithi yakho ekuhlaselweni kwangaphambili.
Isaziso sobuqhetseba sichaza nabani na abahlola ingxelo yekhredithi yakho ukuba bafanele bathathe amanyathelo angaphezulu ukuqinisekisa ukuba nguwe owenza i-credit. Kuye kwenyuka kwishishini ukuqinisekisa ukuba umntu ofaka i-credit yeyona nto. Ngomngcipheko wokhuseleko , ingxelo yakho yemboleko ivalelwe kwaye ishishini alikwazi ukuyihlola konke ngaphandle kokuba uyivula kuqala.
Qhubeka uqaphela i-credit yakho-ngokuyalela iirekhodi zakho zekhredithi zamahhala nge-AnnualCreditReport.com-kubalulekile ukubamba nokucima iziganeko zobusela besazisi ngaphambi kokuba zenze iziphazamiso ezifana nokuthintela ukuthenga indlu entsha okanye imoto.