Abaninzi bemboleko bathumela i-akhawunti yakho kumqokeleli weetyala xa ushiye umvuzo ongenakuhlawulwa kwiinyanga eziliqela. Xa umqokeleli weetyala sele abelwe okanye athengise i-akhawunti, inxalenye yalo mkhuba ukuluhlu i-akhawunti kwingxelo yakho yekhredithi. Ukuqokelela kwetyala kwi- credit report yakho kwenzakalisa amanqaku akho. Nangona iqoqo liyakuchukumisa ikhredithi yakho ngaphantsi kokuba ikhula, ukungena kuya kuhlala kwi-credit report yakho iminyaka eyisixhenxe ukuba ababolekisi bemali kunye nababolekisi bazibonele kwaye bahlolisise.
Indlela efanelekileyo yokujongana neakhawunti yokuqokelela kukuba ukuba isuswe kwingxelo yakho.
Ingxabano Ukuba Akusiyo Iqoqo Lakho
Ukuba akuyiyo ityala lakho, awufuneki ukuba uyihlawule kwaye abaqokeleli abavumelekanga ukuba bayibhale phantsi kwingxelo yakho yekhredithi. Sebenzisa ingxabano yengxelo yemboleko ukuze ube ne- credit bureaus isuse ityala kwi- credit report yakho .
Nangona ityala lenu, oko akuthethi ukuba umqokeleli uyakwazi ukuqokelela kuwe. Ukuba umqokeleli wetyala waqala ukudibana nawe kwiintsuku ezingama-30 ezedlulileyo, unokucela ukuqinisekiswa kwetyala . Le nkqubo idinga ukuba umqokeleli anikezele ubungqina bokuba unetyala lakho. Ukuba umqokeleli akakwazi ukuqinisekisa isigxina okanye akaphenduli kwisicelo sakho, ityala kufuneka lisuswe kwingxelo yakho yekhredithi .
Ingxabano Emva kweminyaka esixhenxe
Ngokomthetho we- Fair Credit Reporting Act (FCRA) , i- akhawunti ezidlulileyo ngenxa yeengxelo zihlala kuphela kwingxelo yakho yemali iminyaka engama-7 ukususela kumhla wokuqala wobugqwetha.
Abaqokeleli abanamahloni kaninzi bazama ukuhlawula ityala, benze ukuba kubonakale ngathi i-akhawunti yaba yiphulo emva kokuba yenzeni. Oku kugcina ityala lakho kwi-credit card lide lide.
Ukuba ixesha lokunika ingxelo eliyiminyaka esixhenxe liphakanyisiwe (ukuqala ukususela xa uqala ukugqithisa inkokhelo yokuqala), phikisa inkokhelo kwingxelo yakho yekhredithi.
Naluphina ubungqina obunalo malunga nomhla wokuqala wobugqwetha kuya kuqinisa ingxabano yakho.
Ingxabano Xa Abaqokeleli bathengisa
Iingxelo zokuqokelela zihlala ziguqula izandla njalo emva kweenyanga ezintandathu okanye njalo. Iimali zinikwe kwaye zathengiswa kwabanye abaqokeleli, ngoko ke kunokwenzeka ukuba i- arhente yokuqokelela eludweliswe kwingxelo yakho yekhredithi ayikho i-adhenti eqokelelwa ngoku ityala. Xa kwenzeka le nto, unako ukuqokelela iqoqo elide ngokukhuphisana ne-bureaus ye-credit .
Hlawula u kucima
Ukuba awukwazi ukususa ityala ngokuphikisana nayo, unokuxoxa kunye nomqokeleli ukuba ikhutshwe i-akhawunti kwingxelo yakho yekhredithi ngokutshintshela intlawulo. Thumela umqokeleli ileta echaza intshisekelo yakho ekuhlawuleni i-akhawunti . Ukunikezela ukuhlawula ukuba umqokeleli uyavuma ukususa ukungena kwi-credit report yakho. Ukuba umqokeleli wetyala uyavuma, cela ikopi esayinwe yileta kuwe ukuba uyitywine isivumelwano. ( Isampula Ukuhlawula Incwadi YokuCima .)
Ukuba uxoxisana nomvuzo wokucima ifowuni, qiniseka ukuba ufumana isivumelwano ngokubhaliweyo ngaphambi kokuba wenze intlawulo. Musa ukwenza inkokhelo isekelwe kuphela kwisivumelwano somlomo.
Thumela yonke incwadi kumqokeleli wetyala ngeposi eqinisekisiweyo kunye ne-receipt ye-receipt eceliwe.
Ngaloo ndlela, unobungqina ukuba kukho nawuphi umbuzo malunga nokuba umqokeleli wetyala ufumene i-imeyile yakho.
Emva kokuba uhlawule iqoqo, khangela ingxelo yengxelo yakho yekredithi ukuqinisekisa ukuba ingeniso isusiwe. Ukuba akunjalo, phikisa kwaye unikeze i-credit bureau kunye nekopi yesivumelwano sakho kunye nomqokeleli wetyala kunye nobungqina bentlawulo.
Cela isicelo sokususwa kwezinto ezilungileyo
Ingaba yinto edlulileyo ende, ngokukodwa ngee-arhente zokuqokelela, kodwa isicelo sokususwa kwenzuzo yinto enye yokuqokelela iitaliti kwi-credit report yakho. Ileta yokuncedisa isebenza ngeakhawunti oye wahlawula. Kule leta, ucela ukuba umqokeleli abonise inceba, mhlawumbi ngenxa yokuba wawela kwiimeko ezinzima emva kokutshintsha ubomi obuninzi, kwaye ususe iqoqo kwingxelo yakho yekhredithi.
Xa Zonke ezinye zihluleka
Ukuba awukwazi ukufumana i-akhawunti yokuqokelela isuswe kwingxelo yakho yeekhredithi, hlawula oko.
Iqoqo elihlawulelwayo lilunge ngakumbi kunomvuzo ongenakuhlawulwa kwaye ubonise ababolekisi besikhathi esizayo ukuba uyinyamekele uxanduva lwakho lwezezimali. Emva kokuba uhlawule ukuqokelela, linda nje umda wexesha lokubika ngetyala kwaye i-akhawunti iya kulahla ingxelo yakho yekhredithi.