Fumana Ingxelo Yentengo Yemali Ngonyaka
Ingxelo yakho yekhredithi yenye yeyona nto ibalulekileyo ebomini bakho. Iqule imbali ecacileyo yeakhawunti yakho yekredithi kuquka nomhla owavula ngayo i-akhawunti, ibhalansi yangoku kunye nomlando wokuhlawula i-akhawunti.
Ngenxa yokuba amashishini amaninzi asebenzisa ingxelo yakho yekhredithi ukwenza izigqibo ngawe, kubalulekile ukuba uhlolisise ingxelo yakho yekredenti ubuncinane kanye ngonyaka ukuze uqiniseke ukuba ulwazi kwingxelo yakho yekhredithi lichanekile.
Ngamanye amaziko enkxaso-mboleko enkulu (iinkampani eziqokelela ingxelo yakho yekhredithi) inikeza ingxelo yakho yekhredithi ekuthengiseni, kodwa kukho iziganeko zokufumana ingxelo yekhredithi yamahhala kwi-ofisi ye-credit card nganye.
Kanye ngonyaka nge-AnnualCreditReport.com
Umthetho we-Fair Fair and Accurate Transactions Act ka-2003 (FACTA) wenza ukuba ukwazi ukufumana ingxelo yekhredithi yamahhala. Ngokusebenzisa i-FACTA unokufumana ikhophi yamahhala yengxelo yakho yekhredithi evela nganye kwiintlobo ezinkulu ezintathu zeentengo zemboleko-i-Equifax, i-Experian, ne-TransUnion-unyaka ngamnye. Kufuneka usebenzise ngokunokwenzeka le ngxaki ngokuyalela ingxelo yengxelo yakho yekhredithi kwaye uyisebenzise ukujonga iimbali zakho zembali .
Kukho iindlela ezizodwa zokufumana ingxelo yeekhredithi yonyaka-mali evunyelwe phantsi kwe-FACTA.
- Online, ngokutyelela www.annualcreditreport.com.
- Ngefowuni, ngokubiza nge-877-322-8228.
- Ngeposi, ngokushicilela ifom yesicelo (i-Adobe viewer efunekayo) kwaye uyithumele kwidilesi efakwe kwifom.
Ungaqhagamshelana ne-bureaus ye-credit ngokukhawuleza kwingxelo yakho ye-credit annually.
UkuLawula i-Free Your FCRA Ingxelo yeMboleko
I-Fair Credit Reporting Act ikunika ilungelo lokunika ingxelo ye-credit credit kwiimeko ezithile. Oku kungaphezulu kweengxelo zakho zemali zonyaka zemali. Ezi meko ziquka:
- Unesicelo esinqatshelwe ngenxa yolwazi kwingxelo yakho yekhredithi. Oku kubandakanya i-credit, inshurensi, kunye nezicelo zengqesho. Unemihla engama-60 ukususela mhla ufunda ukukhanyela ukucela ikhophi yamahhala yengxelo yakho yekhredithi. Inkampani iya kukuthumela isaziso esibandakanya ulwazi loqhagamshelwano kwi-ofisi yeebhanki ezinike ingxelo malunga nokwenza isigqibo.
- Awusebenzi kwaye ucwangcise ukuba uqale ukukhangela umsebenzi ungapheli iintsuku ezingama-60.
- Uhlala kwinhlalakahle.
- Ulixhoba lobusela bezazisi kwaye unolwazi oluchanekileyo kwingxelo yakho yekhredithi.
I-State Credit Report Report
Amanye amazwe anemithetho evumela ukuba ufumane ingxelo yekhredithi yamahhala ngokungezelelwe kwingxelo ye-credit year yonyaka wamahhala onelungelo lomthetho we-Federal.
| Lumente | Iindleko | Ukuphindaphinda |
|---|---|---|
| Colorado | Namahhala, ke $ 8 | Omnye ukhululekile ngonyaka |
| Jojiya | Namahhala, ke i $ 11.50 | Amabini amahhala ngonyaka |
| Maine | Namahhala, ke $ 5 | Omnye wamahhala ngeenyanga ezili-12 |
| Maryland | Namahhala, ke $ 5 | Omnye wamahhala ngeenyanga ezili-12 |
| EMassachusetts | Namahhala, ke $ 8 | Omnye ukhululekile ngonyaka |
| Enew Jersey | Namahhala, ke $ 8 | Omnye wamahhala ngeenyanga ezili-12 |
| iPuerto Rico | Namahhala, ke i $ 11.50 | Omnye wamahhala ngeenyanga ezili-12 |
| Vermont | Namahhala, ke $ 7.50 | Omnye wamahhala ngeenyanga ezili-12 |
Amanqaku alandelayo anciphise amaxabiso kwiingxelo zemboleko.
- California - $ 8
- I-Connecticut - i-$ 5 yekota yokuqala ye-credit, ke i $ 7.50.
- I-Minnesota-$ 3 yekota yokuqala ye-credit, emva kwe-$ 11.50;
- Montana - $ 8.50
- Iziqithi zaseVirgin - $ 1
Umele ulandele i-FCRA yakho ingxelo yekhredithi okanye ingxelo yakho ye-credit statement yamahhala ngokukhawuleza ngokusebenzisa i-credit bureaus:
- Equifax
- Experian okanye ubiza 1-866-200-6020
- TransUnion
Fumana iNgxelo yeNtengo yeNtengiso ngaphandle kweBhaliso okanye iKhadi leKhadi
Iiwebhusayithi eziliqela ngoku zinikeza ubuncinane ingxelo yekhredithi enye.
Ezi ziza zenza imali ngeentengiso ukwenzela ukuba zikwazi ukukunika ingxelo yekhredithi mahhala. Bhalisa ngala masayithi ukufumana ikopi yengxelo yakho yekhredithi yamahhala:
- CreditKarma.com
- CreditSesame.com
- Quizzle.com
- WalletHub.com
Ezi ndawo azifuneki ukuba ufake inombolo yekhadi lesikweletu okanye ubhalise kwi-subscription trial ukuze ufumane ingxelo yakho yekredithi.
Imfundo Yemali Yemali
Beka ixesha ekuqondeni ukuba i-credit works and how your score scores will be affected by your actions-payments late, ukuvula umgca omtsha wekhredithi.
I-Fair Fair Tools-creators ye- FICO yamanqaku okuthenga ngetyala -waba nezixhobo eziliqela ezinokukunceda uqonde izikolo zekhredithi, kuquka i-estimator score score estimator kunye ne-calculator savings calculator.
UkuHlola iNkxaso
Kukho iinkampani ezininzi-i-CreditKarma, i-CreditSesame-eyenza ukubeka iliso kwi-credit free.
Ukuqwalasela ngokucophelela umlinganiselo wakho wekhredithi unokunceda ukuba usebenza ngokukhawuleza ukuphucula umlinganiselo wakho wekhredithi okanye unomdla malunga nokuchonga ukweba .
Ngamanye amaxesha iinkampani ziya kunika unyaka okanye iminyaka emininzi yokubeka iliso kwi-credit credit xa ulwazi lwakho lwekhredithi luye lwaye lwaphazamiseka ngenxa yokuphulwa kweenkqubo zabo zokugcina idatha.
Ziqaphele ngeeNkxaso ezithile zeMali-mboleko
Qaphela iziza ezinikeza ingxelo yekhredithi okanye ehlaziyiweyo, kodwa cela ukuba ufake inombolo yakho yekhadi lesikweletu ukuze ubhalisele isilingo samahhala. Ezi ziza zibhalisa kwi-trial subscription kwinkonzo yokubeka iliso kwi-credit and begin to charge you monthly if you do notcel the subscription ngaphambi kokuba ixesha lesilingo liphele.