Ngaba ukhathazekile malunga nokubiwa kwe-ID, umntu uthatha inombolo yakho yoKhuseleko loLuntu okanye ubuqhetseba? Ngaba ufuna ukulungiswa okulula kwi-credit card? Ngethuba lophando lwakho, usenokuba weva nge-CPN, okanye inombolo yecala yemfihlo.
Yintoni Inombolo Yobumfihlo Yesikweletu?
Inombolo yobumfihlo yetyala, okanye i-CPN inomboro ye-ID eninzi into enokusetyenziswa ngayo endaweni yokusebenzisa inombolo yakho yoKhuseleko loluntu ... kwezinye iimeko.
Abantu bathengisa la manani, kwaye bathi banabantu abanokukhwabanisa ngetyala bangasebenzisa le ndawo esikhundleni seenombolo zabo zoKhuseleko lweNtlalo ukufumana iimboleko, amakhadi enkredithi kunye neminye imikhiqizo yemali abayifanelekanga.
Abo bathengisa ii-CPN baxelela abathengi ukuba xa beqala ukusebenzisa i-CPN yabo, ukuba banokuphucula i-credit yabo. Isandi esihle kakhulu ukuba sibe yinyani, kunjalo? Kungenxa yokuba kunjalo, kodwa ngaphezulu malunga noko, kamva.
I-FTC, i-Federal Trade Commission, ithe ukuxelela abantu abasebenzisa la manani ukulungisa amanqaku abo ekhredithi. Ukuba usebenzisa enye, unokubandakanyeka kwicala elingalunganga lobumba, okanye ungaphelela entolongweni ukuba wena, ngethuba, uxuba iPCN yakho nenombolo yakho yoKhuseleko loLuntu kwixwebhu lomthetho.
Kukho ezininzi iiflegi ezibomvu ezinxulumene nale, kunjalo. Okokuqala, xa uzama ukufumana i-CPN, unokucelwa ukuba wenze izinto ezifana nokutshintsha inombolo yakho yefowuni, fumana ilayisenisi yokuqhuba eneedilesi ezahlukeneyo, okanye uqale ukusebenzisa idilesi entsha ye-imeyile. Ewe, kukho nemali yokufumana amanani. Unokucinga ukuba abantu baya kuncibilikisa ezi zinto, kodwa hayi ... bayazifumana.
Kutheni i-CPNs ikhona?
Ii-CPN zinyani, kwaye zisebenzise kakuhle kwiimeko ezithile. Ngomnyaka we-1974, uMthetho woBucala wase-US waphunyezwa. Yavumela abantu ukuba bayeke ukutyhila ii-SSN zabo xa kungekho mfuneko ngokomthetho. Ngoko, umzekelo, awunyanzelwanga ngokomthetho ukunika inombolo yakho yoKhuseleko lweNtlalo kwisicelo sekhredithi, kodwa inhlanhla ityala ngaphandle kweyodwa.
Wena ubuchule ungasebenzisa i-CPN. Nangona kunjalo, urhulumente akaqapheli, kwaye akawulungiseleli.
I-Big Issue ne-CPN
Kukho imiba embalwa ye-CPN ngaphezu kokunye ngasentla. Okokuqala, abayi kukunceda ukuba uthole i-credit engcono. Ngoko, musa ukuwa ngenxa yoko. La manani nawo angakufumana enkingeni ngomthetho. Njani? Ngenxa yokuba amaninzi manani abo abadayisi abathengisayo banokuthi, kwaye kwezinye iimeko, ngokwenene, ngokwenene, iinombolo zeNgcaciso zoLuntu ezibiwe. Enyanisweni, ezininzi ze-CPNs ngaphandle ziNombolo zoKhuseleko lweNtlalo yabantwana, ngenxa yokuba abadlali bayazi ukuba kunokuba yiminyaka emininzi ngaphambi kokuba kuqhathwe ingxaki. Kwakhona, khumbula ukuba ukuba usebenzisa inombolo yeNgcaciso yeNhlalakahle yokubhenela ukuba wenze isicelo sekhredithi, nokuba awukwazi, unokwenza ubusela besazisi.
Ukuphepha iCCN
Ukuba ujamelene neengxaki zemali, kunzima kakhulu ukukhangela isisombululo esilula kwaye siphumelele, kwaye oku kubonakala ngathi lukhulu. Nangona kunjalo, njengokuba ngoku uyazi, akunjalo. Ngoko, nantsi enye ingcaciso malunga nokuphepha ezi ngxaki:
- Sebenzisa uqwalasela xa usenza inkampani enika "i-ID entsha ye-credit".
- Musa ukukholelwa xa inkampani ithi unokufumana iNombolo yoLwazi loMqeshi, i-EIN, kwaye uyisebenzise loo ndawo endaweni yeNombolo yoKhuseleko loLuntu. Nangona i-EIN ikhona, awukwazi ukusebenzisa enye njenge-SSN.
- Ukuba ucinga malunga nokulungiswa kwemali, qondanisa amalungelo akho. UMthetho Wokulungisa Imboleko wenza ukuba kubekho mthethweni ukuba inkampani yokulungisa iitaliti ikuhlawulise ngaphambi kokuba yenze umsebenzi wayo.
Into Ongayenza Kunoko
Ngelishwa, ayikho indlela esemthethweni yokufumana i-slate engenanto yekhredithi yakho. Nangona kunjalo, uninzi lweenkcukacha kwimbali yakho yekhredithi ayinasigxina, kwaye ekugqibeleni, iya kulahla. Ixesha elithe gqithwa ngalo, kunye nolwazi olungakumbi olongeziweyo, lungcono kuwe.
Ukuba unetyala, unokufuna ukuqwalasela ukuhlawulwa kwetyala, ukuphathwa kwetyala, okanye ukuchithwa. Ukuba ufuna ukuzama ukwakha kabusha, qiniseka ukuba uhlawula iimali-mboleko zakho kunye neebhilidi zekhadi lesikweletu ngexesha ngalinye ngenyanga. Kufuneka uzame kwakhona ukufumana izilinganiso phantsi kweepesenti ezingama-30 zomda wakho, kwaye ukuba unako ukuyifumana iphantsi, oko kukuhle.