Ixesha leMiqathango yeNgcaciso
Ngokomthetho, ii-credit bureaus zivunyelwe kuphela ukuba zihlule izinto ezingekho phantsi kwexesha elithile.
Ngolwazi oluninzi oluninzi , umda wexesha liyiminyaka esixhenxe kuphela. I-Bankruptcy, nangona kunjalo, inokuhlala kwingxelo yakho yeebhanki iminyaka elishumi.
Ngokuqhelekileyo, akudingeki wenze nantoni na ukususa amatyala endala kwi-akhawunti yakho yekredenti emva kokuba umda wexesha lokubhengezwa kwekhredithi uphumelele. I- credit bureaus iya kususa ngokuzenzekelayo izinto ezimbi ezivela kwingxelo yakho yekhredithi emva kokuba zicwangciselwe ukuba zisuswe. Kodwa, ukuba ama-akhawunti asekudala asekho kwingxelo yakho ye-credit, ungasebenzisa inkqubo yokuphikisana ukuba uwasuse.
Qaphela ukuba umda wexesha lokubhengezwa ngetyala usebenza kwizinto ezingenanto. Akukho mthetho ofuna i-credit bureaus ukususa ii-akhawunti ezindala ezingenalo ulwazi olubi. Esikhundleni salo, ixesha lokunika ingxelo ngetyala lale mali lisekelwe kwizikhokelo zeengxelo zeengxelo zemboleko. Ngokomzekelo, i-akhawunti ivalwe ngokuma kakuhle ayiyi kuhlawula ngokuzenzekelayo ingxelo yakho yekredari emva kweminyaka eyisixhenxe.
Thumela i-Letter yengxabano kwiBhanki yeMali
Inkqubo yengxabano yengxelo yemboleko ilula ngokulula.
Bhala ileta kwi-credit bureau ebenza ubazise ukuba uphikisana nolwazi kuba luphelelwe yisikhathi. Thumela yakho ileta ngeposi eqinisekisiweyo kunye nokubuyisela i-receipt eceliwe ukuze ufumane ubungqina bosuku othunyelwe ngalo ileta kunye nesayinela kumntu owamkelayo.
Ukuba i-credit bureau ayiphenduli kwiintsuku ezingama-30, iphula umthetho we- Fair Credit Reporting Act .
Iirisithi eqinisekisiweyo ye-imeyile iya kunceda ukuba uthathe isigqibo sokubandakanya iBhunga loKhuseleko lwezeMboleki okanye ufake ifowuni malunga ne-bureau.
Ngethuba nje imihla ngemivuzo yengxelo yakho yemboleko ibonisa ukuba i-akhawunti endala ifanele isuswe, impikiswano yakho kufuneka ihambe kakuhle. Nangona kunjalo, ukuba ingxelo yakho yemboleko ibonisa usuku lokulahlwa kobugqwetha ngaphakathi kwimiqathango yokukhawulwa kwexesha lokuthenga ngetyala, kuya kufuneka uhambise ubungqina bokuthi umhla wokuhlambalaza awuhambelani. I-akhawunti ingaba nomhla ongalunganga emva kokuba ithunyelwe kwi- arhente yokuqokelela , odla ngokunika amatyala umhla omtsha xa ubika kwi-credit bureau. Oku kungekho mthethweni kwaye ulungele phantsi kwelungelo lakho ukuba ikhutshwe i-akhawunti ngexesha elide lohla lobugqwetha lwaluyiminyaka engaphezu kweyisixhenxe edlulileyo.
Emva kokuphikisana, i-credit bureau ifuneka ukuba wenze uphando kunye nebhizinisi elibike i-akhawunti kwaye lihlaziye ingxelo yakho yekhredithi ukuba ishishini liyavuma ukuba imbambano yakho ilungile. Nangona kunjalo, ukuba i-credit bureau ayilungisi i mpazamo ophikisana nayo, kuya kufuneka uthathe amanyathelo athile ukuze uhlawule ingxelo yakho yekhredithi.
Ixesha lokuphikisana noMcreditor
Ukuba i-credit bureau yenzile uphando layo kwaye "iqinisekisile" nomthengi ukuba i-akhawunti yayingumda wexesha lokubhengezwa ngetyala, kufuneka ngoku uphikisana nomniki-khadi (okanye nayiphi na ibhondi iluhlu lwazi olubi).
Incwadi yakho yokuphikisana iya kubheka ngokufanayo. Bika ukuba ingxelo yakho yekhredithi ibonisa usuku olungalunganga lokungahambisani nendawo ye-akhawunti. Nika umhla owenene wobugqwetha ukuba unayo. Uyakwazi ukufumana usuku lolwaphulo-mthetho kwi-statement yangaphambili yokuthengisa, isaziso esedlule, okanye ingxelo yangaphambili yesitalenti ukuba ulondoloze nawaphi na.
Njengemirhumo yemali-mboleko, ishishini liyadingeka ukuba uphando kwaye uphendule kwingxabano yakho kwisithuba seentsuku ezingama-30 kwaye ube ne-credit bureau ihlaziye ingxelo yakho ye-credit.
Musa ukudibanisa i-Statute of Limitations
Qinisekisa ukuba awudideli umda wexesha lokubika ngetyala kunye nommiselo wokunciphisa ityala . Yona mpazamo eqhelekileyo kuba bobabini banokwenza njani ukuba iinkampani zinokuthi zithathe amanyathelo athile kwiakhawunti ezigqithisileyo. Umlinganiselo wexesha lokunika ingxelo ngekhredithi uchazwe yi-Fair Credit Reporting Act kwaye ichaza ukuba ingaba ixesha elide linokuhlala njani kwingxelo yakho yekhredithi.
Imilinganiselo yexesha lokubhengisa iitaliti lifana kakhulu naluphi na uhlobo lwetyala (ngaphandle kwe-bankruptcy) kungakhathaliseki ukuba uhlala phi.
Ummiselo wokunciphisa kwetyala, ngakolunye uhlangothi, awunanto enxulumene nomyinge wexesha lokunika imali. Endaweni yoko, ichaza ukuba umdeli-mali unokuza kuthatha ixesha elingakanani umyalelo wezomthetho kuwe. Ummiselo wemingcele uhluka ngohlobo nangoluhlobo lwetyala. Akuyi kubangela ukuxothwa ngokuzenzekelayo kwetyala lakho. Endaweni yoko, kufuneka uqinisekise ukuba imimiselo yemingcele idlulile ukuba ufuna naziphi na izigwebo ezifakwe kuwe ukuba zisuswe. Iingxowa ziyakwazi ukuvela kwingxelo yakho yekredenti nokuba ngaba imimiselo yemingcele iphelile.