Amasela angamazisi angasebenzisa inombolo yeNtlalo yoKhuseleko lweNtlalo ukuze athole inzuzo karhulumente, amakhadi e-credit card okanye i-akhawunti yebhanki, ukuqesha indawo yokuhlala okanye ukufaka isicelo esitsha okanye umboleko. Kunokuba ngumonakalo kumntwana, nangona kunjalo.
Ngokomzekelo, thabatha uJason Truxel. Wafaka isicelo sokuthenga imali kwaye wafumanisa ukuba wayephikisiwe ngenxa yengxowa embi. Watshitshiswa ukuba amanqaku akhe okuthenga ngetyala aphantsi, ngoko wazama ukufumanisa isizathu sokuba athathe iingxelo zeentengo zemboleko. Wafumanisa inani elikhulu lamatyala kunye neengxelo ezininzi awayezivulwa. I-akhawunti enye, umzekelo, yavuleka xa uJason eneminyaka eyi-13 ubudala. Ngamanye amazwi, wafumanisa indlela ekhuselekileyo yokuba wayebe lixhoba lobusela njengobuntwana ... kwaye ulwaphulo-mthetho nguyise.
Unokuzifumana uthi, "Andiyi kububa kumntanami," kodwa ngamanye amaxesha umzali okhuselekileyo uya kufumanisa ukuba umlingane wakhe owayengumlingani wenza ubusela, kodwa kuphela xa kuphelile kakhulu kwaye izaziso zokuqokelela imali ziqala ukufika kumntwana wazo.
Ukuba ukholelwa ukuba ubunikazi bakho buntwini buye buthatyathwa, kufuneka ufake ingxelo ngepolisa ngokukhawuleza. Esi sihlandlo sokuqala sokuthi i-akhawunti ikhutshwe kwingxelo yengxelo yemboleko yomntwana.
Ingxaki kukuba ababolekisi abayi kuqinisekisa ubungakanani bomenzi wesicelo, kwaye endaweni yoko, yamkela isicelo sekhredithi ngaphandle kwayo.
Ngelishwa, uninzi lwabantu alufumani ukuba lixhoba lobusela besazisi baze bafike kumntu abadala xa benqatshelwe ngemboleko.
Iimpawu Zesixwayiso soBubi boLwazi lwaBantwana
I-FTC ichaza ukuba kukho ezinye iimpawu ezingabhekisela umzali ngaphandle kokuba umntu angasebenzisa ubume babo kwaye enze ubuqhetseba. Ngokomzekelo, wena okanye umntwana wakho unokuthi:
- Ukuguqulwa kwiintlawulo ezivela kuorhulumente kuba inombolo yeNtlalo yoKhuseleko sele isetyenziswe kwenye indawo.
- Fumana isaziso se-IRS esithi umntwana akazange ahlawule irhafu yengeniso okanye ukuba igama lomntwana lisetyenziswe kwi-tax return.
- Yenza iifowuni okanye iqoqo yefowuni yenkonzo okanye umkhiqizo ongazange uwenze.
Ukunciphisa Umngcipheko woLwazi loBubi boLwazi
Xa kufikelelwe ekunciphiseni umngcipheko wokuba ubume bakho buza kubanjwa, unokuva ukuba ukukhusela inombolo yakhe yoKhuseleko loLuntu kwanele. Nangona le ngcebiso efanelekileyo, ayikho icebiso elisebenzayo njengoko kunzima ukwenza njalo.
Kukho imithetho ephuma apho ekhusela umntwana kunye nolwazi lwazo. Ngokomzekelo, uMthetho woLuntu lwezeMpilo kunye noBucala, okanye i-FERPA, uvela kwiSebe leMfundo, kwaye inceda ukukhusela iirekodi zabafundi. Esi senzo sivumela abazali bezingane esikolweni ilungelo lokuyeka ukunxibelelana okanye ukwabelana ngolwazi ngolwazi kunye nabanye.
Ukuba unomntwana osekhulile esikolweni:
- Qinisekisa ukuba iirekhodi zabafundi zigcinwa kwindawo ekhuselekileyo.
- Fumana ngubani okwazi ukufikelela kwezi rekhodi.
Qaphela zonke iiFomu zeSikolo
Kukho iifom ngaphandle apho kuya kucela ulwazi lomntu wakho. Baya kufika ekhaya nomntwana okanye bathunyelwe ngeposi okanye nge-imeyile. Jonga ezi fom uze ufune amagama afana "nolwazi oluchanekileyo," "ulwazi oluchongiweyo," okanye "ukuphuma." Kufuneka uqiniseke nokuba uyazi ukuba ulwazi luya kusetyenziswa njani, kwaye ukuba lukwabelwana, fumana ukuba ngubani uza kuyibona.
Kufuneka uqinisekise ukuba ufunda zonke izaziso ezivela esikolweni, njengoko ezi zichaza amalungelo onalo njengomzali xa kuziwa ngolwazi lomntwana wakho. Ngokomzekelo, kunye neFERPA, unelungelo loku:
- Cela ukulungiswa kweephene kuzo zonke iirekhodi.
- Hlola kwaye uhlaziye zonke iirekhodi zesikolo.
- Vumela ukuveliswa kolwazi lomntu kwiirekhodi.
Uthintelo luyintloko kuMkhuseli
Kukho amanyathelo onokuthatha ukukhusela ubume bakho , kwakhona:
- Ungalokothi wabelane ngenombolo yokhuseleko lomntu ngaphandle kokuba wazi enye inxaxheba. Buza ukuba kutheni kubalulekile kwaye kuya kuthathwa amanyathelo ukukhusela. Buza ukuba ukusebenzisa iidijithi ezine zokugqibela kuyamkeleka.
- Shredza nawuphi na umqulu onolwazi lomntwana wakho ukuchonga kuyo ngaphambi kokuba ulilahle kwindawo.
- Fumana indawo ephephile kuzo zonke iirekhodi ezibonisa ulwazi lomntwana.
- Yazi malunga neziganeko ezinokubeka ulwazi engozini. Ngokomzekelo, ukuba unomntu osendlwini yakho kwisimo sezimali esibi kakhulu, ukuba kukho ukungena okanye xa ulahlekelwa into ethile, njengekhredithi, enokuthi iqule inombolo yenani loKhuseleko loLuntu, kukho ithuba eliphezulu lomngcipheko .
Yintoni ongayenza ukuba umntwana wakho abe nguxhoba
Ukuba uye wakha wachaza ukuba ubunikazi bakho buntwini bubiwe, kufuneka ufake ifayile kwingxelo ngokukhawuleza. Kukho ifom ye-intanethi esuka kwi-TransUnion eya kukuxelela ukuba ulwazi lomntwana wakho lungahle luthathwe.
Emva kokuba ungenise le fom, uya kufumana ulwazi malunga nokuba iifayile zekhredithi yomntwana wakho okanye zikhona. Ukuba akukho fayile, umntwana wakho ukhusele ukukhwabanisa kwezezimali kweli nqanaba. Ukuba kukho i-hit, kwaye kukho iifayile zekhredithi kumntwana wakho, khawuleza uqhagamshelane ne-three bureaus ye-credit-Experian, i-TransUnion kunye ne-Equifax-kwaye ubike ingxelo.
Unokucela kwakhona ingxelo yekhredithi yomvuzo wakho kumntwana wakho, nje kuphela xa uneminyaka engaphezu kwe-14, kwi-AnnualCreditReport.com. Ukuba ufumene i-hit apha, kufuneka uqhagamshelane ne-arhente yokunyanzeliswa komthetho kunye neentlawulo zama-credit. Oku kusenokuthi ubume bakho bubiwe.
Ukulungisa Imali Yomntwana Wakho
Ukuze uqale inkqubo yokulungisa, kufuneka uqhagamshelane nazo zonke iinkampani ezintathu zokunika ingxelo ngetyala kwaye ucele ukuba i-akhawunti isuswe. Kufuneka kwakhona ubuze yonke inkcukacha ehambelana nenombolo yeNtlalo yoKhuseleko lweNtlalo kunye negama kwizaziso zokuqokelela okanye imibuzo ye-akhawunti ukuba isuswe.
Ukukhwabanisa Kwemali Kubantwana
Ndathatha ixesha lokuqhagamshelana nazo zonke ii-credit bureaus ukuba zibuze malunga nekhredithi yekhredithi kubantwana, OKUBA ufanele ukwazi ukuba kukho iindawo zokungcebeleka ngokuxhomekeke kwimeko ohlala kuyo. Ukuze ufumane ukuba urhulumente wakho uya kuvumela umntwana ukuba akhuphe, Cofa apha . Njengaloo mbhalo, i-Equifax yodwa ebonelela bonke abazali kuwo onke amalungelo okubeka efrijini kwiirekodi zabantwana babo.
Njengomntu osebenze kunye namaxhoba olwaphulo lobungqina bomntwana, ndinokuxelela ukuba eli libi kakhulu umcimbi wobomi kunye nekamva labo. Uninzi lwabantwana ababa ngamaxhoba obaphulo bezesazisi njengokuba abantwana banenkinga enzima ukuqala ubomi babo abadala ngexesha eli-18, apho i-credit yabo iya kubangela ukuba babonakale njengento yokubulala. Idumela lomntwana sele lonakaliswe, kwaye lingabachaphazela ukuba bafumane iitaliti, bafumane umsebenzi okanye bangene ekholejini.
Iingxowa-mboleko zemali-mboleko ziyimibutho engcono yokuthintela ukwebiwa kwezobuntwa kubantwana, njengoko banokumisa nje iinkqubo zabo ukuba bavumele ukukhwabaniswa kwekhredithi ngaphambi kokuba umntwana abe lixhoba.
Njengabazali, asinakuzibuza ezininzi. Sifuna nje ukwenza konke okusemandleni ethu ukukhusela abantwana bethu kwientlekele zemali ngaphambi kokuba babe ngabantu abadala.
Amasela e-Ident ufuna inombolo yoKhuseleko loLuntu, kunye nale nombolo, isela lingenza izinto ezininzi ezifana nokuvula iakhawunti yekhadi lesikweletu, ukuqesha indlu kunye nokunye okuninzi. Amanani okhuselo lwezenhlalakahle zezingane zivakalisa izigwenxa kuba:
- Bafumana ithuba lokufumana imizila emitsha yematyala
- Irekhodi lemali yengane licocekile
- Bayazi ukuba abantwana abaninzi okanye abazali abaqwalasele le ngxelo ukuze ihambe ingabonakali iminyaka
Umzali kufuneka acinge ngefrikhthi kwikhredithi yomntwana, njengoko nje ukusebenzisa isevisi yokubeka iikhredithi akuthinteli ulwaphulo-mthetho ekuvuleni i-akhawunti ngokusebenzisa inombolo yeNtlalo yoKhuseleko yomntwana. Umngcipheko uqinisekisa ukuba abakwazi ukuvula le akhawunti nonke.
Nantsi imigaqo yeengxowa-mali ezinkulu zokubika ngetyala:
Experian
- Ayikudala ifayile yekhredithi yomntwana ngaphandle kokuba ihlaselwe okanye ifunwa ngumthetho kaRhulumente
- Uya kunikezela ikopi yamahhala yefayili yomntwana ekhoyo, kwaye iya kufakelwa, xa iceliwe
- Imali emncinci iyadingeka ngaphandle kokuba umzali anike ubungqina bokuba ubuntwaba buntwini bubiwe
TransUnion
- Isiza sivumela abazali ukuba bahlole iifayile zekhredithi zabantwana babo
- Ukukhwabaniswa kweNkcazo kufumaneka kuphela kwiindawo ezivumela ukuba, kwaye umrhumo unokufaka isicelo
Equifax
- Umntwana akayi kuba yintlanzi yobheba bezazisi ukuze afakwe iqhwa
- Ukuqhwala kukhululekile, kwaye iimfuno zombuso azikhathazeki
Innovis
- Ukunikezela ngetyala kukhululeka kubazali babo bonke amazwe
Hayi, onke amazwe anikezela ukhuseleko kwifayile yeebredithi zabantwana. Qiniseka ukuba ufumanisa iimfuno zorhulumente wakho, njengoko ziyahluka kakhulu. Kwakhona, gcina imiqondiso yokuba umntu usebenzisa inombolo yokhuseleko lomntu wakho engqondweni:
- Unokufumana isaziso se-IRS ukukwazisa ukuba umntwana wakho akazange akhokhe irhafu kwi-engenayo engenayo
- Unokufumana isaziso se-IRS ukukwazisa ukuba inombolo yeNgcaciso yeNtlalo yomntwana isetyenzisiwe kwenye irhafu yentlawulo
- Unokufumana iibhidi okanye izaziso zokuqokelela izinto ongazange uthenge
- Umntwana wakho unokuthi anqatshelwe ngenxa yeenzuzo zikaRhulumente kuba uya kwenye i-akhawunti edibene nenombolo yokhuseleko yabantwana bakho