Umthetho we-Fair Credit Reporting Act (FCRA) ngumthetho wesigqeba ocacisa ukuba ulwazi lwabathengi ngetyala luya kuqokelelwa, lunikezwe, kwaye lusetyenziswe. Ngaphantsi kwe-FCRA, abathengi banelungelo lokujonga ulwazi kwifayili yabo yekhredithi kunye nokuphikisana ngolwazi oluchanekileyo. I-Federal Trade Commission (FTC) ipapasha isicatshulwa esipheleleyo se-FCRA. Njengomthengi, kufuneka uqaphele ngamalungelo akho.
I-FCRA Imigaqo yabasebenzi beeNgxelo zabathengi
I-FCRA ichaza i-arhente yokubhengeza abathengi njengeenkampani eziqokelela ulwazi lwekhredithi malunga nabathengi ngenjongo yokuthengisa ulwazi kumaqela esithathu.
Imimandla eyaziwayo kakhulu yee-arhente zengxelo zabathengi zizona zikhulu zentengo zemali-mboleko : i-Equifax, i-Experian, ne-TransUnion. Nangona kunjalo, abayena kuphela i-arhente yokubhengeza abathengi e-US Ngo-Ephreli 2016, iBhankimali yokuVikeleka kwezeMali yabathengi yanyathelisa uluhlu lweenkampani ezi-50 ezahlukileyo ezizibiza ngokuba yi-arhente yokubika ingxelo. I-FCRA imisela ukunika ingxelo ngetyala kwi-arhente.
Ngaphantsi kwe-FCRA, ii-credit bureaus kunye nezinye i-arhente zokubhengezwa ngabathengi kufuneka:
Ukunikezela ngekopi yefayili yakho yesitalato kwisicelo sakho . Uya kufuneka unikezele ngolwazi oluchongiweyo lwakho ukuze i-credit bureau iqinisekise ukuba ungumntu ofuna i-credit report yakho ingxelo. Kule meko, i-credit bureaus kufuneka ikunikeze ikopi yamahhala yengxelo yakho yekredithi :
- Kanye ngonyaka kwiziko lewebhu leziko le-yearcreditreport.com
- Ibhizinisi lithathile isenzo esibi (siphikisiwe isicelo sakho okanye sihlawulise inzala ephezulu) ngenxa yolwazi kwingxelo yakho yekhredithi
- Awusebenzi kwaye uceba ukukhangela umsebenzi kwiintsuku ezingama-60 ezizayo
- Uhlala kwinhlalakahle
- Ube lixhoba lobusela bezazisi
- Ingxelo yakho yekhredithi iqulethe ulwazi olungalungile olubangelwa ukwebiwa kwezazisi
Phanda ulwazi oluphikisanayo , ngaphandle kokuba unganikezeli i-bureau ngolwazi olwaneleyo lokuphanda ingxabano yakho, uphikisana nayo yonke into kwingxelo yakho yekhredithi, okanye ubuyisela kwakhona into ngaphandle kokunika ulwazi olongezelelweyo malunga neengxabano zakho.
Lungisa okanye ususe ulwazi olungalunganga kwisithuba seentsuku ezingama-30 zengxabano yakho okanye ukuya kwiintsuku ezingama-45 ukuba uthumela ulwazi olongezelelweyo emva kokuhambisa ingxabano yakho ebhaliweyo.
Susa ixesha elidlulileyo (elingalunganga) ulwazi olungaphezulu kweminyaka eyisixhenxe ukuya ku-10 ubudala, kuxhomekeke kwimiba yolwazi.
Ukunciphisa ukufikeleleka kwifayile yakho kuphela kwezo shishino ezinenjongo evumelekileyo yokujonga ingxelo yakho yekhredithi.
Nika ingxelo yakho yekhredithi kubaqeshi kuphela ngemvume yakho ebhaliweyo.
Ukunikezela ngekopi yesikolo sakho sekhredithi kwisicelo sakho.
Ukunika ithuba lokuphuma ngaphandle kweentengo zemali zesikweletu .
Iimfuno zeeFurnishers zolwazi
I-FCRA isebenzayo kwii-freeaus nje kuphela. Amashishini anika ulwazi kwiivenkile zemali-mboleko, iinkcukacha zeevenki, nazo zibophelelo. Ngokomzekelo, ba:
- Ayikwazi ukunika ingxelo engalungile
- Kufuneka uhlaziywe ngokukhawuleza kwaye ulungise nayiphi na ingcaciso engalunganga eyanikezelwa ngaphambili kwiivenkile zemboleko
- Kufuneka ukuxelele malunga naluphi na ulwazi olubi olubikwe kwii-credit burea kwisithuba seentsuku ezingama-30
- Kufanele uvumele i-credit bureaus yaziwe xa uvala ngokuzithandela i-akhawunti
- Kumele ube nenkqubo yokuphendula kwizaziso zobunikazi ezizithunyelwe ngamaziko e-credit
- Awukwazi ukubika iakhawunti oye yabika ngaphambili yiphumo lobusela besazisi
Unelungelo lokuphikisana nolwazi olungenakuchaza ingxelo yengxelo yemboleko ngqo kunye nolwazi olunikeziwe ngokubhaliweyo. Emva kokufumana ingxabano yakho, umbolekisi makaxelele i-credit bureau yeengxabano zakho kwaye akavumelekanga ukuba uqhubeke nokubika ulwazi olungalunganga de liphande ingxabano yakho.
Izidingo zeBhishino eziThengisa ingxelo yeNgxelo yeMboleko
Iinkampani zingacela ukuba zibone ingxelo yengxelo yemali ukuba inenjongo evumelekileyo , umzekelo, ukunikezela ngetyala emva kokuba ufake isicelo. I-FCRA idinga ukuba ezi shishini:
- Yazisa xa usuqukile ngenxa yolwazi kwingxelo yakho yekhredithi
- Ukunikezela ngegama kunye nedilesi ye-credit bureau eyinike ingxelo esetyenziswe kwisigqibo sokukuguqula.
Ukujongana Neziqhotho ze FCRA
Unokufuna ukulimala kwishishini eliphula amalungelo akho phantsi kwe-FCRA, nokuba ingaba i-credit bureau, i-furnisher information, okanye umsebenzisi wengxelo yengxelo yekhredithi.