Ngaba ukhathazekile malunga nobusela bezobakho? Ukuba kunjalo, usenokuba ukhangela ukuvala okanye ukukhupha i-credit yakho. Kodwa, uyazi umahluko?
Ukukhutshwa kwekhredithi kunye nokukhishwa kwesikrithi ngokubanzi kwenza into efanayo: banqanda nabani na ukuvula isikweletu ngegama lakho. Kodwa, kukho ukungafani phakathi kwezi zikhetho.
Credit Lock Definition
Zonke ezithathu ezinkulu zemali-mboleko zinika abathengi ithuba lokuvala ingxelo yengxelo yemboleko.
Xa wenza oku, umbolekisi akakwazi ukufikelela kuyo ukuze avumele nayiphina imboleko okanye umgca wesikweletu. Nangona kunjalo, khumbula ukuba kwesi sivumelwano phakathi kwakho kunye ne- bureau ye-credit . Ukuze uyenze iphumelele, kufuneka uyenze nazo zonke iifarashi ezintathu.
Inkcazo yeFreeze Definition
Ukukhishwa kwekhredithi kuyinto efanayo. Ikhupha ingxelo yakho yekhredithi ukuze ababolekisi bangakwazi ukuyifumana. Ukukhishwa kwekhredithi kuyaqinisekiswa ngumthetho.
Yintoni eyona mahluko omkhulu?
Ngoko, yintoni umehluko? Eyona nto, umehluko omkhulu uvela kwindlela yokukhiya kunye nokuqhwala ukusebenza.
Xa wenza i-credit freezeze, eqhelekileyo efanelekileyo kwaye ifikeleleke, uhamba uchungechunge lwamanyathelo ahlukeneyo, kwi-intanethi, ngefowuni okanye ngeposi. Unako ukuphakamisa ifriji nganoma naliphi ixesha xa ufuna ukufaka isicelo ngokusemthethweni ngetyala. Kwaye unako ukubeka ifriji ukuba ivuselele ngokuzenzekelayo ngosuku oluthile.
Naluphi na uphakamiso, kufuneka unikeze inombolo ye-PIN. Kwakhona, gcinani engqondweni ukuba kukho imirhumo yokufusa kunye nokuphakamisa i-frozen, kwaye kufuneka uhambe ngexesha lokulinda okanye iiyure ezimbalwa.
Ngaba Zikulungele?
Nangona abanye bethetha i-credit freeze elula ngakumbi kunekredki yekhredithi, kusekho ixesha elimele lidlule ngaphambi kokuba liphumelele. Ngokuqhelekileyo, oku kuvela kwiiyure ezingama-2 ukuya kwezi-24. Xa iqalo liqalisiwe, uza kufumana inombolo yePIN. Kumele ugcine le PIN kwiirekhodi zakho kwaye ungene kuyo ukuphakamisa ifriji, kwaye kufuneka ucele nganye i-credit bureau ukuba ungayifaki ingqamaniso ingxelo yakho.
I-lock lock ayinayo i-PIN. Ngokuqhelekileyo uqala ishiyeko usebenzisa i-app ekhuselekile kwifowuni yakho (enePIN). Iyenzeka ngokukhawuleza ngeTransnion kunye ne-Experian. Nge- Equifax , kuthatha iiyure ezingama-2 ukuya kuma-48, okufana nokufana nefriji . Kwakhona, gcinani engqondweni ukuba awukwazi ukufaka iqhwa uze ukhiye ii-akhawunti zakho ngexesha elifanayo. Kufuneka ukhethe enye okanye enye.
Iindleko zokuqwalasela
Mhlawumbi ufuna ukucinga ngeendleko, nazo. Kufanelekile ukukhankanya ukuba i-Equifax ne-TransUnion zombini zinikela ngemveliso ehlawulelwayo ukukhupha i-credit yakho phantsi. Kodwa, khumbula, nge-lock lock, kufuneka uvale ikhredithi yakho kwiziko ngalinye. Akunakukunceda kakhulu ukuba uvalelwe emibini, kodwa okwesithathu ivulelekile kunoma ubani.
I-Equifax inomngcipheko omtsha wesikweletu, kwaye ibonakala ihluke kunokuba inkampani inikwe ngaphambili. I-Equifax isebenza ngokukhenkcela ngekhredithi kwiNkulumbuso yayo yeNkulumbuso ye-TrustedID, inceda ekukhuseleni abathengi kwi-wift identity. Le nkonzo inikezela ngeziqhetseba zokukhwabanisa, ukubeka iliso ngetyala kunye nezinye iimpawu.
U-Experian unomkhiqizo ofanayo obhaliso olusekelwe. Kubizwa ngokuba yi-CreditLock, kwaye ikhona ngeenkonzo ze-CreditWorks zenkampani. Yingama-5 kwenyanga yokuqala kwaye ibiza i-$ 25 kwiinyanga ezizayo.
I-lock lock isinye isigama sokunikwa kweenkonzo zokukhusela ubusela.
I-Credit freezes ayikho inkululeko, nokuba. Kodwa, iindleko zokuqhwala kunye nokuphakamisa i-frozen yakho ngokuqhelekileyo ixabiso elincinci kunokuba uhlawule umrhumo wenyanga ukugcina i-credit yakho ivalwe. Enyanisweni, i-federally, iindleko zokumisa i-credit and unfreeze i-credit yakho isetyenziswe kwi-$ 10, kodwa amaninzi amaninzi ayenze ibe ngumthetho ukuba ungabizi ngaphaya koko.
Esinye sezizathu onokucinga ngazo isitshixo kunye ne-Experian kukuba inkqubo ihlola ityala lakho ngalunye suku, kwaye ikwazisa ngokukhawuleza ukuba kukho nawuphi na umzekelo womntu ozama ukujonga ikhredithi yakho.
Oku kungathi ngathi yinto engummangaliso kwaye ixabise i-$ 25 ... kodwa, kungenjalo. Iingcali ezininzi azicebisi ukuba uhlawule ukubeka iliso ngekhredithi ngenxa yokuba unako ukwenza into efanayo kwihishini lakho lekhadi lesikweletu okanye enye inkonzo ye-akhawunti yezimali.
Ngokuqinisekileyo into enokuyicinga ngayo ngaphambi kokuba uqale uqokelele imali yokukhangela ityala. Ukuqhwala kwekhredithi kuya kuba kuhle ukuba ufuna ukukhuselwa, kwaye kubiza ngaphantsi.