Kule nqaku kubalulekile kwenyama ukukhutshwa kwe-Akhawunti entsha
Kubalulekile ukuba inyama ikhuphe i-Akhawunti entsha yeNkohliso kunye nomthelela wayo kubathengi kunye nemigca yabo yemali. Njengoko iziza zesazisi ziqhubeka ziphulaphula iziseko zedatha kwaye ziba iinombolo zoKhuseleko loLuntu, ukukhwabanisa kwe-akhawunti entsha kuya kuqhubeka nokubethelela uluntu.
Ukukhwabanisa kweAkhawunti entsha
Ukukhwabanisa kwe-Akhawunti entsha kukuqhelekileyo ukwebiwa kwezazisi ngokwefom yeeakhawunti ezintsha usebenzisa ulwazi oluthile lomntu ukufumana iimveliso kunye neenkonzo usebenzisa ukuma kwetyala lomntu.
Inombolo yoKhuseleko loLuntu (SSN) kaninzi, kodwa akusoloko ifuneka, kwiimida ezininzi zekhredithi ukuba zenze ubuqhetseba be-akhawunti entsha . Xa ufaka isicelo se-akhawunti entsha, isela lingasebenzisa idilesi yeposi ehlukile; ixhoba alisoze libona iindleko zeeakhawunti ezintsha kwaye zinokuqhagamshelana nababolekisi okanye ekugqibeleni bangaqhagamshelana xa ityala lingahlawulwa.
Ukhwabaniso Lwenkonzo
Kukho iintlobo ezininzi ze-fraud entsha yeakhawunti. Ukuvulwa kwezixhobo ezintsha, kubandakanywa igesi, umbane, ifowuni, i-cable kunye nokunye kunokulinganisela kwi-20 ekhulwini yayo yonke intshitshi yokutywala. Izixhobo, isixeko esiya kwisixeko kunye nombuso ukuthetha, ukuphatha isikweletu ngeendlela ezahlukeneyo. Uninzi lufuna i-SSN ukuvula iinkonzo, ngelixa abanye bafuna igama kunye needesi. Kwiimeko apho kungekho SSN efunekayo, ubuqhetseba buhlala buxhaswa yi-utility kunye namaxhoba baya kukwazi kuphela xa becela isibonelelo kuloo dolophu kwaye banqatshelwe ngenxa yokungahlawulwanga ngelala.
Izixhobo ezifuna i-SSN inokwenza okanye ingaqwalaselwanga ngetyala lomntu xa ivula i-akhawunti entsha. Kwimeko apho, ibhajethi ayihlawulwa i-utility ekhuphe i-credit-mali ingavimbela i-akhawunti okanye ifake i-matyala kwingxelo ye-credit card yexhoba ngokusebenzisa i-SSN. Kule meko, ixhoba liyakwazi ukufumana kuphela xa ngaba okanye umboleki-mboleko uya kujonga i-credit yabo ngomnye umbolekiso aze abone ityala kwaye anqatshelwe ngetyala.
Ndasebenza kwimeko kwaye ndabonakala ekusasazeni kunye nomfazi owayenomyeni elwa imfazwe yase-Iraq, ngoxa wayesekhaya elwa nelo lakhe ekhaya. Isela lesazisi litshontshe umyeni wakhe kwaye lavula ezininzi iinkonzo phantsi kwegama lakhe. Waqhagamshelana ne- IRS kunye neenkonzo ezihlukahlukeneyo. Intlawulo yafunwa nangona wayichaza ukuba akunakwenzeka ukuba umyeni wakhe avulwe iakhawunti. Ngelo xesha, isela sasisebenza njengalo mntu iminyaka eyi-3.5.
Ukukhwabanisa kwemali
I-SSN iyadingeka kwii-akhawunti ezintsha kwiifom zemali-mboleko eninzi, ukuba akunjalo konke, izinto ezinkulu zetikiti (umz., Iimoto, iinqanawa, amakhaya, kunye ncinane, "imali-mboleko"). Iimali zolu hlobo zilingana nama-10 ekhulwini kuwo wonke utywala. Ukubiwa kwelo lwazi kudla ngokuba ngumsebenzi wangaphakathi-kuthetha abo banokufikelela kwi-data kunye / okanye ixhoba yilelo hlobo lolwaphulo-mthetho. Imizekelo ibandakanya umthengisi wemoto onokufikelela kwiinkcukacha zabaxumi kwaye uyayiqonda inkqubo yokufaka isicelo sembolekiso kunye nokuthenga imoto inokuthi ikwazi ukwenza ulwaphulo-mthetho. Abameli bezindlu abanokufikelela kwiinkcukacha zabaxumi kunye nokuqonda inkqubo yokuthenga / yokuthengisa amakhaya kunye nokuthengwa kwemali kuye kwaziwa ukuba kwenziwe ukukhwabanisa kwempahla ngokubhekiselele kwiakhawunti entsha.
Kuzo zonke iimeko ixhoba aliyi kulufumana malunga nobuqhetseba kude kube yilapho imoto idluliselwe kwiimarike ezimnyama kwaye ibhajethi ayihlawulwanga, okanye ide idlulelwe ekhaya okanye i-mortgage refinanced, kwaye ityala liyaqhubeka.
Ikhredithi yeCredit Credit
Ubuqhetseba obuninzi be-akhawunti kunye neakhawunti yamakhadi amatyala. Ukukhwabanisa kwekhadi lokuthenga ngekhredithi kufana nesiqingatha sazo zonke iinkcukacha zobusela. Ukubeka nje, amasela angabonakali athande amakhadi esikwereti ngenxa yokuba i-akhawunti elula kakhulu ukuyivula, kwaye ingaba yimali ekhawulezayo.
Inkqubo yekhredithi isekelwe "lula." Ikhredithi elula iyisiseko sombutho oxhaswa ngetyala , kwaye ukunyuka kwemali kuye kwayichitha ukukhutshwa kwamakhadi ekwereta . Okukugqibela ndiyifunde, kukho eziliqela ezigidi eziyi-3.5 zezigidi zeekhredithi zokuthenga ngekhadi lekhredithi ezithunyelwe rhoqo ngonyaka kwiibhokisi zeeposi zabathengi.
Amakhadi eemboleko ngokuqhelekileyo anikelwe kubangeminyaka yobudala, 18 kunye kunye. Kwiminyaka eyi-15 banako ukukwazi ukuguqula iikarikhi kwikariti yabazali babo. Kodwa ngokukhawuleza xa baphumelela esikolweni esiphakeme okanye bafike kuloo minyaka, inkqubo iyaqala. Ukuba kukho abantu abayizigidi ezingama-200 abaneminyaka engama-18 nangaphezulu kokufumana zonke ezi zicelo, leyo mininzi yeposi engenayo i-junk.
Amasela e-Identityiwe akhankanywe ixesha elidlulileyo ukuba izicelo ezivunyiweyo ngaphambili ezifunyenwe kwingqamana zibambe iqondo lokuthenga ngetyala kwi-bhanki ekhuphayo. Emva koko, ibhanki yithumelele kummkeli oyifunayo, kwaye xa ibhanki ibuyiselwe kunye neninzi yolwazi ekhangele kakuhle, ikhupha ikhadi. Ndiye ndajonga ezininzi zezifundo apho izicelo zokukhawulwa kwamakhadi ekhredithi zangaphambili zivunwe ngesandla kwaye ziphinde zifakwe kunye, zizaliswe kwaye zithunyelwe ngeposi-kwaye ikhadi lekhredithi lafika zingadlulanga iintsuku ezili-10. Ngoba? Ngenxa yokuba, emehlweni ebhankini, yonke idatha ihlola i-OK.
Izicelo ze-intanethi kunye nefowuni zilula nje ukukhwabanisa ngenxa yokungaziwa kweentengiselwano. Zonke izela zesazisi zifuna ezinye iinqununu zeenkcukacha-igama, idilesi, kunye ne-SSN kwaye ziyacima kwaye ziyasebenza. Amashishini ekhompyutheni kawonkewonke kunye neefowuni ezilahlayo ziqinisekisa ukuba amagama angabonakali ngamasela.
Ngetyala leMatyala
Ikhredithi esheshayo ithetha enye into: ukwebiwa kwesazisi kwangoko. Amasela e-Identity froth emlonyeni xa efumana ulwazi oluchongiweyo kunye nolunye udidi lomthengisi omkhulu. Unqunywe kaninzi kwivenkile okanye kwivenkile, kwaye wanikela ngebhedi ye-teddy okanye i-T-shirt ukuze ubhalisele iipesenti ezili-10 ekuthengeni kwakho okulandelayo? Ukufaka isicelo sekhredithi ngokukhawuleza kusekho "ngokukhawuleza." Ngokuqhelekileyo kwenzeka kwimizuzu engaphantsi kwe-20 kwaye kubandakanye ukubonisa ukuchongwa okusemgangathweni nokubonelela nge-SSN-yonke into ingafumaneka kalula njengenene okanye inkohliso.
Yintoni ebangela ingxaki xa umntu ekwabelana ngegama lexhoba kwaye eneenkcukacha ezifana nexhoba. Uphando olulula kwi-intanethi luza kukuxelela ukuba ngubani omnye onokwabelana ngegama lakho nalapho ahlala khona. Ukusuka apho, ukwenza uphando oluthile kwiirekhodi zoluntu kunye nokufumana isenzo kwikhaya labo kwi-intanethi kunokubonelela nge-SSN. Ukuba oko kungaphumeleli ukusebenza, ngoko ukuthenga omnye kumashishini athile okufumana ulwazi kwi-intanethi unokuyenza inkohliso. Okubaluleke ngakumbi xa iintsapho zinamalungu athetha igama elifanayo, kwaye amalungu omndeni axhomekeke kootata-mthetho, ootata, oonyana, abazala, njl. Kulula ngokwaneleyo ukubonisa i-ID kwaye unikezele nge-SSN izandi okanye umntu obhalwe igama elifanayo. Unobhala olawula isicelo ufumana ikhomishana encinci kwaye uyavuya ukuhlala.
Emva kokuba isela lesazisi lifumana ikhadi elitsha, "uyayigxotha" kwaye ayiyihlawula ibhili. Ngexesha elide, abathengi bamatyelela ixhoba, bamangalele ngeebhilikhwe ezingabhatalwa, kwaye bafuna iimali ezihlawulwa. Ukukhwabanisa kwe-akhawunti entsha kubonakalisa ikhredithi yexhoba kwaye kuyinkqubo yokuhlambulula. Ixhoba lingaze lithwale uxanduva lwezezimali malunga neentlawulo ngokwazo, kodwa ziya kuhlawula ngexesha, kwaye ixesha liyimali. Kwezinye iimeko, banokuhlawula amagosa okanye uphando lwabucala. Ngokuxhomekeke ekubeni imeko yabo yekhredithi ibuhlungu kangakanani, banokufuna ukuchitha ixesha emsebenzini. Amaxhoba okuba ulwaphulo-mali abanjelwe inkokhelo ngenxa yamatyala angahlawulwa ngamagama abo kwaye alahlekelwe amathuba okuthenga amakhaya ngenxa yoko. Kwiimeko ezininzi, ityala lexhoba liyabhujiswa ngenxa yezenzo zamasela; zabo iimali zentengo zemboleko ezikhawulezayo nabathengi ukuba banike umlinganiselo wenzalo ephakamileyo ngenxa yemingcipheko yabo.