Unokuphinda ubuyekeze ingxelo yakho yekhredithi ukuqinisekisa ukuba ulwazi olufakiwe luchanekile. Ngaphantsi kwe- Fair Credit Reporting Act , unako ukuphosa iimpazamo ngokusithumela ingxabano ebhaliweyo yesikweletu kwi-ofisi zemboleko ezibonisa uluhlu olungalunganga. Emva kokuba ungenise impikiswano yakho yeengxelo zemboleko, i-credit bureau (ii) kunye nezoshishino ukubonelela ngolwazi unamanyathelo okulandela.
I-Credit Bureau iphenya
I-credit bureau kufuneka ihlaziye zonke iinkcukacha kunye namaxwebhu afunyenwe kuwe kwaye uphando ngxabano yakho kwisithuba seentsuku ezingama-30 zokuyifumana. I-credit bureau ingafumana iintsuku ezili-15 ezongezelelweyo ukuba uthumele ulwazi olongezelelweyo olubhekiselele kwingxabano. I-credit bureau kufuneka ixelele ishishini elinikezela ulwazi-"umboneleli" -engxabano kwiintsuku zoshishino ezinhlanu zokufumana. I-credit bureau nayo inokunika inkcazelo yakho yengxabano kumboneleli.
Umboneleli wolwazi uphando
Emva koko, i-furnisher information kufuneka ihlaziye ulwazi olunikezwa yi-credit bureau kwaye liphande ingxabano. Xa umboneleli efikelele kwisiphetho, kufuneka ukuba abike iziphumo kwi-credit bureau. Ukuba uphando lubangele utshintsho kwingxelo yakho yekhredithi, umniki-mvume kufuneka avumele zonke iifesti zeentengo zemboleko zetyala.
Iziphumo zeNgxelo yeNgxelo yeMboleko
Ukuba i-credit bureau ifumanisa ukuba ulwazi oluphikisanayo aluchanekanga okanye aluqinisekanga, kufuneka ulungise ulwazi okanye lususe kwingxelo yakho yekhredithi. I-credit bureau ikwazisa kwakhona umboneleli ukuba isusiwe.
Ngemvume yakho, i-credit bureau ingathumela ingxelo yakho yesikweletu esilungisiweyo kunoma yimuphi umqeshi ocele ingxelo yengxelo yemboleko kwiminyaka emibili edlulileyo, okanye nakweyiphi na enye ishishini elicelile ingxelo yengxelo yakho yekredithi kwiinyanga ezintandathu zokugqibela.
I-credit bureau iyakwazi ukuphelisa inkqubo yempikiswano xa ibona ingxabano yakho yeengxelo zemali-mboleko iyinkululeko. Ukuba oko kwenzeka, i-credit bureau kufuneka ikuxelele kwiintsuku ezintlanu zoshishino kwaye ikuxelele oko kufuneka uyenze ukuze uqalise uphando lophando.
Xa Ingxabano ayilungiswanga
Ukuba i-credit bureau ayilungisi ulwazi owaziyo ukuba aluchanekanga, unelungelo lokuphikisana ngokuthe ngqo kunye nezoshishino ezidweliswe ulwazi malunga neengxelo zekhredithi. Ngaloo ndlela, unako ukudlula i-credit bureau-ngezinye iinkqubo isebenzisa inkqubo yokuzenzekelayo ukuba "uqinisekise" ingxelo kwingxelo yakho yekhredithi - kunye ne-furnisher yolwazi ibhekisise ngakumbi kwiirekhodi zazo.
Ngamanye amaxesha imvelaphi yephulo lakho leengxelo zekhredithi liyimpazamo kwinkqubo yekhompyutha efuna ukulungiswa ngumntu. Ukuqalisa ingxabano ngqo nomboleki okanye umboleki kungakunceda ngale nkqubo.
Ukuba awukwaneliswa yimiphumo yophando, unelungelo lokuthumela isitatimende segama eli-100 ukuba longezwe kwingxelo yakho yekhredithi. Ukuba ukholwa ukuba i-credit bureau iphula umthetho xa uqhuba ingxabano yakho, ungathumela isikhalazo kwiBhodi yoKhuseleko lwezeMboleki.
Unako kwakhona unelungelo lokumangalela i-credit bureau engayilunganga iimpazamo zeerhafu. Thetha kummeli wolungelo lomthengi malunga necala lakho ukuze ubone ukuba unesizathu sokufakela isigwebo phantsi kwe-Fair Credit Reporting Act.