Indlela Yokujonga Iingxelo Zakho Zemali Zemali Yemivuzo Yonke Iminyaka
Iingxelo zetyala zibalulekile kuba zibonelela ngeenkcukacha eziluhlaza eziya ezikolweni zakho. Kubalulekile ukwazi ukuba zeziphi iingxelo, kwaye ukuqinisekisa ukuba kuchanekile.
- Funda malunga namanqaku: Ukusebenza kwamanqaku aMatyala
- Kuthiwani ngamanqaku angamahhala? Indlela yokufumana iNgxowa-mali yeMali
Kwixesha elidlulileyo, kwakungekho lula ukufumana le ngcaciso mahhala. Abathengi bekufuneka bathenge iingxelo okanye bafaneleke ngokusekelwe kumsebenzi othile ngaphakathi kwengxelo yengxelo yemboleko (njengokwenyulwa kwemboleko ngokusekelwe kumanqaku akho). Amanye amazwe afuna ukuba abahlali babe nelungelo lokufumana ingxelo engasimahla, kodwa umthetho we-federal ngoku uwenza wonke jikelele.
Ndingayifumana njani i-My Credit Credit Report?
I-arhente yokubika ngetyala yelizwe idibanise kwaye yakha i-website oyifanele ukuyisebenzisela ukufumana ingxelo yakho yekhredithi yamahhala. Isayithi ngu-www.annualcreditreport.com. Xa ulapho, uya kuphendula uluhlu lwemibuzo, kwaye unokukhetha ukuba yiziphi iingxelo ukujonga. Ungabiza no-877-322-8228 kwaye ucele ikopi yeengxelo zekredithi ngefowuni.
Ukuba awunayo yonke into emithathu kwangoko, sebenzisa isicwangciso esithile sokubeka iliso lakho kwikhredithi kulo nyaka.
Ngokuqinisekileyo unako ukufumana zonke ezintathu ngokukhawuleza, kodwa abanye abantu bacela kuphela ingxelo enye yekredithi ngexesha. Oko kuvumela ukuba babuyele ezinyangeni ezimbalwa baze bahlele enye ingxelo evela kwi-ejensi ekhethiweyo. Ukuba kukho na utshintsho kulezo zinyanga (umzamo wokuba ulwaphulo-mali, umzekelo), ingxaki iya kubanjwa ngaphandle kwemfuneko yokulinda kude kunyaka ozayo.
Kukho iintlukwano phakathi kwee-arhente zeebreditenti, kodwa ulwahlulo alukho mkhulu - nawuphi na omnye kulaba bathathu kufuneka akwazi ukukubonisa ukuba umntu uthatha ubuni bakho ngokuvula ikhadi lekhredithi kunye nomphathi omkhulu.
Ukuqhagamshelana neeNkxaso zeNkcitho ngokuthe ngqo
Ukuba ukhetha, ungabiza ii-arhente ezinkulu ze-credit kunye nokucela ingxelo ye-credit ngaphandle kwerhafu. Nangona kunjalo, i-FCRA-igunya " Iingxelo zeNkcazo zeNkoleko zonyaka " zifumaneka kuphela kwiwebhusayithi kunye nenombolo yefowuni ngasentla. Ngamanye amagama, kufuneka uhlawule ukuba udibana negosa lekhredithi ngqo.
Andikwazi ukugxininisa ukuba indlela yodwa yokufumana ingxelo yakho yesikweletu semali yonyaka iyakwenza i-AnnualCreditReport.com okanye inombolo yefowuni ngenhla. Ukuba uhamba nayiphi na enye indlela, kufuneka uhlawule okanye ubhalisele kwinkonzo yangasese.
- Funda ngakumbi: Iinjongo zeeNgxowa-mali
- Xha ga mshelana namaziko eentengo zemboleko:
Ziziphi iinkcukacha endazidingayo?
Uya kufuneka ulungiswe ngegama lakho, idilesi, Inombolo yoKhuseleko loLuntu kunye nomhla wokuzalwa. Uya kufuneka kwakhona nawaphi iidilesi zangaphambili kwiminyaka embalwa edlulileyo. Ekugqibeleni, uya kucelwa ukuba uchaze into eyaziwayo kuphela (njengexabiso lemali ehlawulwayo, umzekelo) njengomlinganiselo wokhuseleko.
Ndiyakubona nini iNgxelo Yentengo Yimali?
Ukuze ulawulo lwenkqubo, ukufumaneka kufumaneka kuphela kwimimandla ethile ngexesha elithile. Ukususela ngoSeptemba 1, 2005, isizwe sonke sifikelele kwingxelo yekhredithi yamahhala.
Ukuba ummandla wakho uphezulu kwaye usebenza, ungabona ingxelo yakho yekhredithi yamahhala kwangoko kwikhompyutha (kwi-www.annualcreditreport.com). Ukuba usebenzisa inombolo ye-free-free, inokuba intsuku ezili-15 okanye njalo uze ufumane ingxelo.
Yintoni Endimele Ndiyayiyazi Ngayo Imibiko Yengxelo Yemivuzo?
Imimiselo ikuvumela ukuba ufumane ingxelo yekhredithi yamahhala - kungekhona umvuzo wamahhala okanye nayiphi enye inkonzo. Njengoko ulawula iingxelo zakho, jonga ukuba uzame ukuthengisa izinto ezongezelelweyo ezibiza imali.
Ukuba ufuna iinkcukacha ze-nitty-graritty, zama ezi zixhobo:
- Inkcazo ye-FTC: Ukufikelela kwakho kwiiNgxelo zeNtengo zeNtengiso
- FAQCreditReport.com sika-FAQ
Njani ngeeMali zeMali-mboleko?
Akukho nto enjengomlinganiselo wamahhafu karhulumente karhulumente.
Kwakhona, umthetho we-federal unikezela iingxelo zamahhala-kodwa awona amanqaku aveliswa kumanqaku.
Ngexa uhamba kwinkqubo yokufumana iingxelo zakho zamahhala, ungathengisa amanqaku ekhredithi kwi-arhente nganye yokunika ingxelo ngetyala xa ufuna - baya kwenza kube lula ukwenza njalo, kwaye uza kubona izibonelelo ezininzi.
Uthini umahluko phakathi kwamanqaku kunye neengxelo ? Ingxelo iqulethe idatha eluhlaza - ulwazi ababolekisayo kunye namagunya karhulumente abika kwii-credit bureaus, kubandakanya:
- Nayiphina imboleko oyisebenzisileyo ngaphambili
- Nayiphi na imali mboleko oyisebenzisayo ngoku
- Ukuba uye wakhawuleza ukuhlawula emva kwemali mboleko
- Naliphi na iirekhodi zoluntu ezichaphazelekayo kwi-credit yakho
Ukufumana amanqaku okuthenga ngetyala, inkqubo yecomputer ifundwa ukuba idatha edityanisiweyo evela kwiingxelo zakho, ihlalutya, kwaye ikhupha amanqaku. Abaninzi ababolekayo basebenzisa amanqaku ekhredithi ukwenzela ukuba abasebenzi abangekho mfuneko yokufunda ngokwenza yonke into kwaye bahlole iingxelo zekhredithi. Funda kabanzi malunga namanqaku ekhredithi .
Nangona ungeke ufumane amanqaku ekhululekile nanini na xa ufuna, kukho iindlela zokufumana ukuba unetyala elihle okanye elibi. Uyakwazi ukufumana ukuba umvuzo wakho wenzani xa ufaka isicelo semboleko okanye uvula i-akhawunti yasebhanki (kodwa mhlawumbi kufuneka ucele - kwaye ungeke ufumane naluphi ulwazi malunga nekhredithi yakho kuxhomekeke kubani osebenza nabo). Iiwebhusayithi eziliqela zibonelela ngamakhadi okunika ingxelo kunye "nezikolo ezingekho emthethweni" izikolo ezinokuba luncedo. Ukufumana iinkcukacha ezithe vetshe, jonga indlela yokufumana izikolo zekhredithi zamahhala .