Ukubuyisela kwiBhodi yoLwazi: Ukulungisa iiNgxelo zakho zeMali

Ukufumanisa ukuba ubume bakho bubiwe bubi. Ekubeni ubusela bezobakho buqala ukuqala ulwaphulaphulo-mali kwiimeko ezininzi, inxalenye ebaluleke kakhulu yokucima umonakalo ukulungisa iimpazamo zeengxelo zemboleko okanye iintlawulo ezingagunyaziswanga kunye neakhawunti evulekileyo egameni lakho. Isihluthulelo sokucoca ingxelo yengxelo yemboleko ukuhamba ngokukhawuleza kwaye ube nomonde. Ngokukhawuleza usibamba kwaye uphikisana neziphene, kulula ukuba uhlambulule.

Ukulungiswa kweNgxelo yakho yeMboleko

Ukuba uye waphawula iimpazamo kwingxelo yakho yekredithi , into engcono ukuyenza yenze uluhlu olupheleleyo lweephene. Jonga ulwazi lwakho kunye nolwazi lwakho lwekhredithi. Kuqikelelwa ukuba malunga neepesenti ezingama-75 zeengxelo zemboleko zabathengi ziqulethe impazamo enye, kwaye kunjalo ngathi isininzi sazo siqulethe iimpazamo ezininzi.

Emva kokuba wenze uluhlu lweephutha, landela le nyathelo kwisiphene ngasinye kwingxelo yakho. Iiphoso kufuneka zichazwe ngokwahlukileyo; elinye ngelo xesha baze bazaliswe. Ukuxela amaphutha amaninzi ngexesha okanye ukuthumela iingxabano ezininzi kunokubangela ukuba i-CRA ilahleke okanye ihlaziye izinto zakho eziphikisanayo. Kungabangela nokuba i-CRA inqume ukuba unobungqina kwaye uyayiphika isicelo sakho sokuphikisana.

1. Bhala ileta yokuphikisana. Kuzama ukusebenzisa ifom yefayili kwi-intanethi kunokuba ubhale ngokwakho, kodwa ungenzi. Endaweni yoko, yenza i-personalized, i-letter yezobugcisa kwisithuba ngasinye sokungena kwi-credit card kunye ne-CRA nganye uya kuthumela le leta. Ngokufutshane, chaza impikiswano yakho kwileta.
   Ungakhathazeki ngeenkcazo zokuthi kungani uphikisana nokungena. I-CRA iya kuhoywa inkcazo yophando lwayo. Endaweni yoko, faka ikopi yengxelo yakho yekhredithi (ungafaki i-original), kunye nephulo eligqityiweyo kunye nawaphi na amaxwebhu axhasayo onokuyenza. Kwimeko yokuba utywala, kufuneka uquke ikopi yamapolisa ingxelo oyifakileyo kunye namanye amaxwebhu axhasa isikhundla sakho sokuba ukungena kuyiphutha.

1. Thumela ileta ngeposi eqinisekisiweyo. I-imeyile eqinisekisiweyo iya kuninika inombolo yokulandelela, kwaye xa uzama ukuhlambulula umonakalo emva kobusela besazisi, kufuneka ulandele yonke into. Thumela ikopi yamaxwebhu, kodwa gcina iimpawu zokuqala. Ukulandelela iifowuni zefowuni, kunye nephepha kunye nekhompyutha. Gcina amanqaku malunga nemihla kunye nomxholo weengxoxo. Futhi gcina yonke into ndawonye kwindawo enye, ngoko uyazi apho ikhona.

1. Nxibelelana namanye amaziko emali. Ngokukhawuleza xa usuqalisile inkqubo yokuphikisana nokungena okungenakungeniswa kweengxelo zekredithi, qha ga mshelana namaziko ezezimali achaphazelekayo, ngokubhaliweyo, ukuba uwaveze loo meko. Ileta efana neyomthumelele kwii-CRA, kuquka iikopi zeengxelo zamapolisa kunye namanye amaxwebhu angcono.

Lungisa ukuba ube nesigulane njengoko usebenza ngala ma nyathelo kwiphoso nganye okanye impazamo kwi-credit report yakho. Kuya kuba yinkqubo echitha ixesha. Kwaye ngenxa yokuba uphikisana nokufakwa kwetyala akuthethi ukuba igosa lokubika ngetyala liya kufumana. Ngamanye amaxesha, usenokufuneka uqine ukufumana umntu kwi-arhente yokubika ngetyala ukuphulaphula.

Ukuba uyazi, ngaphambi kokuba uqale inkqubo, ukuba iya kuba yinde kwaye inzima, uya kulungelelanisa ukujongana nokukhungathekiswa ojamelana nayo. Musa nje ukukudikibala kwaye uqaphele ukuba wena ulixhoba, kungekhona lolwaphulo-mthetho, kulo mzekelo. Kwaye njengexhoba, unamalungelo athile .

Gcina iiRekhodi Zonke

Enye into: Gcina iirekhodi zezinto zonke. Gcina iikopi zazo zonke iincwadi oziqokelelayo xa usebenza kwinkqubo yokufumanisa nokulungisa umonakalo owenziweyo. Gcina iikopi zazo zonke iingxelo zamapolisa ozifayileyo, kunye nazo zonke iileta ozithumelayo kwi-arhente yokubika ngetyala, iinkampani zekhadi zetyala, iibhanki, amaziko ezonyango, okanye nawuphi na umntu.

Kwakhona kulungile ukugcina irekhodi labantu othetha nabo, kunye namanqaku malunga nengxoxo. Incwadi yeencwadana eboshiweyo isebenza kakuhle ngokugcina i-log log. Hlukanisa ngalinye iphepha kwiikholomu zomhla, igama lenkampani, negama lomntu othetha naye, qha ga mshelana nomntu (kunye naluphi na ulwazi oluchonga njengezandiso okanye iinombolo zomsebenzi), kunye nekholamu yamanqaku. Ukuqokelela yonke le ngcaciso kwindawo enye, apho unokufumana khona izandla xa ufuna.

Ubusela bokuba ngumntu olwaphulo-mthetho luchaphazela okungaphezulu kwezinto ezibonakala ngokukhawuleza. Ewe, kuya kubakho umonakalo wezemali, kwaye mhlawumbi ukonakalise idumela lakho, kodwa kuya kuba nomonakalo ngokomzwelo. Musa ukudimazeka. Kungathatha ixesha elininzi kunye nomgudu wokuhlambulula umsila oshiywe emva kweelaphu, kodwa ekugqibeleni, unokukwenza.

Kuthatha nje umzamo ohambelanayo, ocingayo. Nemivuzo eninzi.