Xa ufumana impazamo kwingxelo yakho ye-credit, i- Fair Credit Reporting Act ikunika ilungelo lokucima loo mpazamo ngokuphikisana ne-bureau eyinike ingxelo. Unokuphikisa iingxelo zeerhafu ngefowuni, kwi-intanethi okanye ngeposi. Ukuphikisana ngeposi kukunika umzila wephepha oza kuvela ngokufanelekileyo xa ufuna ukukhawuleza emva kokumangalela i-credit bureau.
Emva kokuba i-ofisi ithola ingxabano yakho, kufuneka ukuba uphenye ingxabano yakho kwaye isuse impazamo evela kwingxelo yakho yekhredithi ukuba ichongiwe ukuba ulwazi oluphikisanayo aluhambelani.
Ngelishwa, inkqubo yeengxabano ayisoloko isebenza, nangona xa ulwazi oluphikisanayo luyimpazamo yangempela. Ngokomzekelo wophando olwakhululwe yi-Federal Trade Commission ngoJanuwari 2015, abafundi abathabatha ingqalelo kwi-121 ye-1001 babenengxabano engaxazululwanga kunye ne-credit bureau. Ipesenti ezingamashumi amathathu nanye (31%) zabanye abanengxabano engaxazululwanga bamkela nje isigqibo se-credit bureau kwaye bamkela ulwazi lwangaphambili njengoluchanekileyo. Nangona kunjalo, malunga nama-70% abo bakholelwa ukuba ulwazi oluphikisanayo aluchanekanga.
Ngaphambi kwesi sifundo se-FTC, ngo-2012, i- Columbus Dispatch yahlalutya i-30,000 yezikhalazo zeengxelo zemboleko kwi-FTC kunye ne-24 yeNkundla yeGqwetha eliPhezulu kwaye yafumanisa ukuba izikhalazo ezingaphezulu kwesigidi zivela kubantu abangenakufumana i-credit bureaus ukulungisa iziphoso zabo, ngobungqina kunye neziphene zibonakala zibonakala zibala.
Nantsi into ongayenza ukuba i-credit bureau ayikulungiseli iimpazamo zakho zeengxelo zemboleko nangemva kokuba uphikisana.
Uphikisana kwakhona
Kodwa unikele ngolwazi olutsha. Ukuba uqhubeka uphikisana nempazamo efanayo ngaphandle kokubonelela ngolwazi olutsha, i-credit bureau ingaqinisekisa ukuba impikiswano yakho iyinto engabonakaliyo. Ngokomthetho, i-credit bureau ayifuni ukuphanda nayiphi na ingxabano enqumayo. Nangona kunjalo, ukuba i-credit bureau ikhetha ingxabano yakho iyinto engqongqo, kufuneka ikwazise ngokubhaliweyo kwiintsuku zoshishino ezintlanu, inike izizathu zesigqibo sabo, kwaye ikuxelele ukuba yintoni ulwazi olufunekayo ukuphenya ulwazi oluphikisanayo.
Uphikisana nalo shishini olunike ulwazi
Ngokuqhelekileyo, ii-credit bureaus azilungisi iimpazamo kuba umboleki-mboleko okanye umqokeleli weetyala owanikezela ulwazi unempembelelo kwiirekhodi zabo. Unokuphikisana nolwazi nomthengi okanye umqokeleli wesikweletu owenzela ulwazi olungalungileyo kwi-credit bureau esebenzisa inkqubo efanayo yokuphikisana. Eli xesha lidlula i-credit bureau kwaye ithumele impikiswano yakho kunye nobungqina kumniki-nkcukacha. Yandisa ingxabano yakho kwinkampani - kwi-CEO ukuba kufuneka - ukuba awufumani iziphumo. Ukuba umbolekisi uqinisekisa ukuba ulwazi aluchanekanga, kufuneka bahlaziye i-credit bureau kunye nolwazi oluchanekileyo.
Cacisa
Kukho ngokubanzi indawo ezintathu unokukhalaza malunga neengxabano ezingekho phantsi kweengxowa-mali zentengo: i-Attorney General Jikelele, i-Federal Trade Commission, kunye neBusiness Consumer Protection Bureau . Ezi arhente azikwazi ukunyanzelisa i-credit bureau okanye umbolekisi ukuba ahlaziye i-akhawunti yakho nganye, kodwa i-credit bureau ingashukunyiswa ukulungisa ingxelo yakho yekredithi emva kokuba uyazi ukuba uzibizile kwizibhamu ezinkulu. Kwaye, ngezikhalazo ezaneleyo, ezi arhente zingafakela uxanduva malunga ne-credit bureau okanye umboleki-mali kwaye banokuphakamisa utshintsho kwimithetho eya kwenza kube lula kubo bonke abathengi ukuba bafumane iingxabano zengxelo zemboleko.
Sula i-credit bureau
Unelungelo lokumangalela i-credit bureau ephula umthetho nawaphi na amalungelo akho phantsi kwe-FCRA, kuquka ukuqhubeka nokunika ingxelo engalungile. Ngo-2013, umfazi wase-Oregon wanqoba i-R4,4 million yezigwebo malunga ne-Equifax xa behlulekile ukulungisa ingxelo yakhe yemboleko emva kokuthumela iingxabano ezisibhozo kwiminyaka emibini. Gcina bonke ubungqina beengxabano zakho kunye ne-credit bureau (kunye nababolekisi), iimpendulo ze-credit bureau (kunye nomthengi), kunye namanqaku kwanoma yimuphi umnxeba umnxeba owenzayo malunga neengxabano. Xhagamshelana nommeli ukuba ukholelwa ukuba unesimo esinamandla malunga ne-credit bureau.
Yekela ihambe
Nokuba ufuna ukuba ingxelo yakho yekhredithi ichaneke - kwaye unelungelo lakho lokuba neengxelo ezichanekileyo zemboleko-kuthatha ixesha kunye nomzamo wokuqhubeka nokuhambisa iingxabano. Ukuba le mpazamo ayichaphazeli umlinganiselo wakho wekhredithi, kungabangela ukuba unqatshelwe ngamakhadi-mboleko okanye ngemali-ngxowa-mali, okanye uhlelwe ukuba ulahle ingxelo yakho yekredithi ngokukhawuleza, akunakukufanelekela ukuba uqhubeke nokuphishekela impazamo.
Qhubeka ubeka iliso ingxelo yakho yekhredithi kwiiphoso ezizayo kwaye qi