Xa ulwaphulo luhambelana nekhadi lesikweletu, njengophulaphulo lwe-Target ka-2013, kulungele ukulungisa: uvale i-akhawunti yakho, uze uvula enye entsha. Kwimeko ye-Equifax, nangona kunjalo, ulwazi olufana neenombolo zoKhuseleko lweNtlalo, idilesi, imihla yokuzalwa, kunye nenani lelayisenisi yokuqhuba ngokubanzi alinakuguqulwa kunye / okanye inxalenye yenkcazelo yakho yokuchonga kwaye ikulandele ixesha lokuphila.
Yintoni eyoyikisayo kukuba isela lesazisi lingasebenzisa yonke le ngcaciso ukwenza izinto ezinokukuchaphazela kakhulu. Ezi ziquka:
- Ukuvula ii-akhawunti ezintsha zezimali
- Ukufaka isicelo ngekhredithi usebenzisa igama lakho
- Ukufumana ulwazi lwezokwelapha
- Ukuba inzuzo karhulumente
- Ukufakela imali yokubuyisela irhafu
- Ukuchithwa kwamaxwebhu eemali kunye noorhulumente
Ukukhupha i-Credit yakho Yilungile, Kodwa Kuninzi Kuyo
Ukuba ungekho okanye ube yingxenye yephulo le-Equifax, kufuneka uqwalasele ukukhupha i-credit yakho. Le nyathelo elisebenzayo elinokukunceda ukunciphisa umngcipheko wokuba yixhoba "ye-akhawunti entsha" ukukhwabanisa, kodwa akuthinteli ngokupheleleyo isela lokungena kwi-akhawunti yakho ekhoyo. Bangakwazi ukwenza izinto ezinjengebango lakho lokubuyiselwa kwentela, ukuthatha i-akhawunti yakho yomhlala-phantsi, okanye ufikelele kwi-akhawunti yakho yasebhanki.
Ukukhusela iNombolo yoKhuseleko loLuntu
Kukho ukuphosakela ukuba usenokucebisa nokuba ubani "unokukhusela inombolo yakho yoKhuseleko loLuntu", ngenxa yokuba isetyenziswa ngokubanzi kwaye isasazwa kuzo zonke iintlobo zeendawo.
Ukuba isela lesazisi linokufikelela kwinombolo yakho yoKhuseleko lweNtlalo, inokufikelela kwi-akhawunti yakho yoKhuseleko lweNtlalo. Ukuba ufumana izibonelelo, banokuqhagamshelana noLawulo loKhuselo loLuntu kunye neentlawulo ezithunyelwe ngqo kubo. Abantu ababi banokuseta i-akhawunti egameni lakho, bafake izicelo zeenzuzo, baze baqoke imali.
Kule meko "khusela inombolo yakho yoKhuseleko loLuntu" yinyani. Kukho indlela yokumisa ukukhwabanisa kweNtlalo. Vula i-akhawunti ngokusebenzisa i-My Security Security option kwiwebhusayithi yoLawulo loKhuseleko loLuntu. Oku kumisa abantu ekudaleni i-akhawunti egameni lakho, nokuba ngaba inani lifikeleleke kubo.
Kwakhona, Musa ukulibala ukugcina i-Eye Out for Ulwabizo lwezoLwazi
Enye yeendlela ezinenzuzo kakhulu ukuba ulwaphulo lobunikazi luya kusetyenziswa inombolo ye-SS eyebiwe ukufikelela kwiifayile zakho zezokwelapha. Bangasebenzisa le ngcaciso ukuthenga izixhobo zonyango, iziyobisi, okanye ukufumana unyango, kwaye ngoko uyayibhawula kwi-inshurensi yakho okanye ushiye wena ngokubambelela ngokubhaliweyo. I-Credit freezes ayigxininisi oku, kwaye kunye nokubeka iliso ngetyala akunakukufumanisa.
Yingakho kubaluleke kakhulu ukujonga zonke iindleko zonyango nezinye izaziso ezivela kwinkampani yakho yinshurensi kwaye ungayihoyi into ekhoyo kwi-imeyile. Abantu abaninzi balahla nje iingxelo ezithi "oku akuyilwayo." Ngoko ke, qiniseka ukuba ukhangele iinkonzo kwizo nkcazo ongazange ube nazo kwaye uzikhange izixhobo zonyango ongazange uthenge. Ngokuqinisekileyo, ingaba yimpazamo yephutha lomntu egameni lekampani yomshuwalense, kodwa kusenokuthetha ukuba ulixhoba lobugebengu.
Ngaba ukuLawulwa kweNtengo kubaluleke kakhulu?
Ukususela ekuphulaphuleni, i-Equifax inikezele ukubeka iliso kwi-credit yebhanki kwinyanga echaphazelekayo. Ngelishwa, wonke umntu ochaphazelekayo, iimiphumo ezimbi zingaqhubeka ixesha elide kunonyaka. Nangona kunjalo, kusengqiqweni ukuthatha i-Equifax kwi-offer. Qinisekisa ukuba uqaphele xa ukujonga kwakho kuphelelwa yisikhathi, kwaye qi ni sekise ukuba awuyi kuhlawulwa yikho emva konyaka okhululekileyo ... ngaphandle kokuba, ngokuqinisekileyo ufuna ukuwugcina.
Abanye abantu, abo abangafanelekanga, okanye abafunayo, ukubeka iliso kwi-Equifax yamahhala, bazama ukufumana iliso kwi-credit evela kwezinye izinto. Umbuzo kukuba, ngaba kunengqondo ukuhlawula i-$ 9.95 ukuya kwi-29.9999 ngenyanga ngenyanga yokuhlola iliso? Ukuba uyilungu le-AAA, usenokufumana ukubeka iliso kwesikweletu kufakwe kubulungu bakho.
Ngaphandle koko, ukuba unako ukuyifumana, kufuneka uyenze. Inika uxolo kwengqondo kwaye inikezela ukhuseleko, kodwa kufuneka uqonde imida yokubeka iliso kwi-credit.
Ezi nkonzo zikwazisa ukuba kukho utshintsho kwingxelo yakho yekhredithi, kodwa ayiyi kumisa umntu obi ukuba angabambeli ulwazi lwakho. Eyona nto ingcono, uya kufumana isilumkiso sokuba kukho umsebenzi osolisayo. Ngokomzekelo, inokukuxelela ukuba kukho utshintsho kwidilesi yakho kwenye yeakhawunti yakho yekhadi lesikweletu. Ngokuqinisekileyo eli liflegi ebomvu ukuze ube yixhoba. Ngenxa yezi minganiso, ngokuqinisekileyo kufuneka uhlale uqaphile, nokuba ukhetha ukuthenga iliso lekhredithi.
Nazi ezinye izinto onokuzenza ukukhusela ubunjani bakho, kwaye zikhululekile ngokupheleleyo:
- Khangela i-akhawunti yakho yemali nganye ngeveki (okanye imihla ngemihla) kwaye ugcine iso ngaphandle kweso sityholo. Musa ukulinda ukufumana ingxelo yakho yenyanga.
- Fumana ikopi yengxelo yakho yekhredithi. Ikhululekile, kwaye iyafumaneka kanye ngonyaka. Ekubeni kukho iirejista ezintathu zeentengo zemboleko, unokuzijonga rhoqo kwiinyanga ezine nge-yearcreditreport.com
- Ungafaki isitokisi esikhulu kule nto, kodwa unokubeka "uqapheliso lobuqhetseba" kwifayile yakho yekredithi. Unokuqhagamshelana nayiphi na i-three bureaus yokuqhuba i-credit. Izaziso zezobuqhetseba zi lumkise umboleki ukuba unokuba yixhoba lobuqhetseba, kwaye bathatha amanyathelo angaphezulu ukuqinisekisa ukuba nguwe ocela ikhredithi. Izaziso zokukhwabanisa zisebenza kuphela iintsuku ezingama-90, kwaye kufuneka uhlaziye.
- Gcina amehlo akho evulelekile kwizinto ezibukeka zingaqhelekanga. Ngokomzekelo, unokufumana uhlobo loqhagamshelwano oluvela kudokotela, umboleki, inkampani yomshuwalense, isibhedlele, umqokeleli wetyala, okanye urhulumente karhulumente ongeyonto eninzi. Kananjalo unokufumana i-jury summit evela kwindawo ekude okanye isaziso sokuhlawula emva kwe-akhawunti ongenayo. Oku mhlawumbi akukho mpazamo ... kunokwenzeka ukuba ube ngumqondiso webabi be-ID.
Jonga kwiiNjineli zobuNjineli
Ekugqibeleni, qiniseka ukuba ukhangelele ukuhlaselwa kwinjineli yoluntu kule mpazamo. Liye ladala ithuba elihle kubantu ababi ukuba basebenze umlingo wabo. Ngoko, unqakraza nayiphi na ikhonkco ye-imeyile, ungayibhalisi izikhonkco ze-imeyile, kwaye ungaphenduli naluphi na umbhalo, i-imeyile, okanye umnxeba ocela ulwazi lomntu siqu ... nangona kubonakala kusemthethweni. Kunoko, ufike kumthombo. Umzekelo, ukuba ufumana ifowuni esuka ebhankini yakho ekucela ukuba uqinisekise inombolo yakho ye-akhawunti, xhoma, kwaye uqhagamshelane ne-bhanki kwinani elisemthethweni abanalo. Ngale ndlela, ukuba kusemthethweni, bafumana ulwazi. Ukuba akunjalo, baya kukwaziswa ukuba uhlaselo luqhubeka.