Ukuqokelela amatyala kubaluleke kakhulu. Ezi nkampani, eziqeshwe ngamanye iinkampani, zinoxanduva lokuqokelela kwiakhawunti ezidlulileyo. Abaqokeleli bematyala banamanani amaqhinga angayisebenzisa ukuqokelela amatyala kuwe, kubandakanywa ukubiza, ukuthumela iileta, ukubeka uluhlu kwitalenti yakho kwingxelo yakho yekredithi nokukutshutshisa. Ezi zinzima ngokwaneleyo ukuhlangabezana nazo xa ityala lenu, kodwa yenzani xa i-akhawunti yokuqokelela engeyona yenu?
Ukuqokelelwa kwetyala okungalunganga kusenokubangelwa ngumntu ovula i-akhawunti egameni lakho kwaye ehluleka ukuhlawula ibhili. Ngamanye amaxesha, amatyala ahlawulwayo athunyelwa ngengozi kwiiqoqo. Kwaye, ngamanye amaxesha, abaqokeleli beetyala abangenangqiqo badala amatyala amathemba abathemba abathengi baya kunkwantya ukuhlawula ngaphandle kokubuza ukuba ngaba ityala linyani. Ukuba unokungabaza malunga nokuba unetyala lakho, kubalulekile ukulandela amanyathelo amalungileyo.
Ngaba Uqinisekile ukuba amatyala awawakho?
Musa ukucinga ukuba ukuqokelela kubonakala kungaqhelekanga kwaye awukhumbuli ukuba ne-akhawunti kunye nalowo mboleki ukuba ukuqokelela amatyala akukho okwenu. Kukho njalo unokwenzeka ukuba ibhilikithi ishiywe kwiimfucu okanye ukuba awuqapheli igama lomniki-mali oyimvelaphi. Umzekelo, umboleko ungathengiswa kwi-servicer eyahlukeneyo. Okanye, kumakhadi okuthenga ngetyala, ibhanki ekhupha ikhadi lekhredithi linamagama ahlukeneyo kunesitoreji owabhalisele kwikhadi lekhredithi.
Iibini zeeNyanga eziPhambili zeeNkcitho zeeMali
Umlinganiselo wenzame obekayo ekuphikeleni ityala kuxhomekeke kwindlela elithatha ngayo ityala eliqokelelwa ngamatyala malunga nawe ityala elisekelwe kwinqanaba lexesha lokunika ingxelo ngetyala kunye nemimiselo yemingcele karhulumente wakho. Umyinge wexesha lokubhengisa iitaliti yimalini yexesha elihlawulwayo ityala lingaxelwa kwii-credit bureaus; Iminyaka engama-7 ukususela ngomhla wokugqibela wokugqwetha kwii-akhawunti ezininzi.
Ngo-2017, umzekelo, abaqokeleli beetyala abanakho ukubika iingxowa-mali ukususela ngo-2009.
Ummiselo wokunciphisa ixesha apho ityala linyanzeliswa ngokusemthethweni. Kucacisiwe nje, yimalini yexesha umqokeleli weetyala angasebenzisa inkundla ukuba akuphoqe ukuba uhlawule ityala. Kuncinci kakhulu ukuba umqokeleli uza kukumangalela emva kokuba ityala lingaphandle kwemimiselo yemingcele. Ngokuqinisekileyo, uya kuba nokukhusela okukhulu ukuba umqokeleli uyakunikela - ityala alilokho.
Uphikisana namatyala kunye ne-Arhente yoQoqosho
Unelungelo lokucela ubungqina beetyala ukuba i-arhente yokuqokelela njengoko uhlawula. Emva kokuba ucelile ubungqina, umqokeleli wetyala kufuneka ayeke imizamo yokuqokelela kude adibanise ukuba unetyala kwaye umqokeleli unelungelo lokuqokelela ityala. Oku kuthetha ukuba akukho iifowuni, iileta, ukulungiswa kwee-credit bureau, kwaye akukho zigwebo.
Unokuphikisana netyala kunye nomqokeleli wetyala ngokuthumela oko kwaziwa njengetyala lokuqinisekisa ityala . Le leta ithetha nje ukuba awuyi kukholwa ukuba ityala lakho liyakho kwaye ukuba umqokeleli wetyala makathumele ubungqina bentyala kuwe. Thumela ileta yakho ngeposi eqinisekisiweyo ukuze ufumane ubungqina bokuba le ncwadi ithunyelwe kwaye ifunyenwe.
Khangela ukujonga ukuba i-Credit yakho ifakiwe
Ukuba abaqokeleli beetyala baqhagamshelana nawe ngetyala, kunethuba elihle ukuba ityala libikwe kwii-credit bureaus.
Hlola ikopi yazo zonke iingxelo zeentengo zemboleko ukuze uqinisekise ukuba i-akhawunti yokuqokelela iye yaxelwa kwi-credit bureaus. Kufuneka uhlole zonke ezintathu kuba ezinye i-arhente zokuqokelela zibika kuzo zonke ii-ofisi zesikhokelo ezintathu ngelixa ezinye zibika enye okanye ezimbini.
Iingxelo zokuqokelela zingalimaza amanqaku akho okwekhredithi, kugcine ungagunyaziwe kumakhadi-mboleko kunye nemali-mboleko, kwaye kukubangela ukuba ukhokhe izinga lentengo ephezulu okanye ukhuseleko olugcinwe kwiakhawunti ozivunyelweyo. Yinto enye ukufumana umonakalo wekhredithi ngenxa yee-akhawunti zokuqokelela ezakho. Akwamkelekanga ukuba neengxaki zekhredithi zokuqokelela ii-akhawunti ezingezizo.
Uphikisana netyala ngeziko lemali-mboleko . Unelungelo lokunika ingxelo echanekileyo yengxelo yemali, oku kuthetha ukuba unokuphikisana nokuqokelela iakhawunti engekho kuwe. Bhala ileta nganye kwiziko lemali-mboleko yeentengo zemboleko ezibonisa uluhlu olungalunganga lwetyala kwi-credit report yakho.
Cacisa ukuba i-akhawunti ayinayo kwaye inikezela ikopi yongqina obunayo obuxhasa ibango lakho.
Ngaba Unokuthi Ungayigcini ityala?
Ngaphandle kokubona, ngaphandle kwengqondo akusiyo isicwangciso esilungileyo sokujongana nokuqokelela kweetyala, kwanokuqokelela okungesizo zakho. Ukuba ityala alikho kwingxelo yakho ye-credit, ingaphandle kwexesha lokunika ingxelo ngetyala, kwaye ingaphandle kwemimiselo yokunciphisa, unomncinci wokukhathazeka. Nangona zonke ezi zinto ziyinyani, awukwazi ukuthatha ngokugqithiseleyo ukuba umqokeleli wetyala akayi kuphinda ahlawule ityala kwaye uyongeze kwingxelo yakho yekhredithi. Okanye, banokufaka ifowuni kwinto enethemba lokuba awuyi kubakho enkundleni kwaye baya kuzuza isigwebo ngokuzenzekelayo kuwe.
Unokumisa umqokeleli weetyala ukuba akubize ngokuyeka okulula kunye nokushiya incwadi . Igama lizwakala ngathi lithengiswa ngokusemthethweni, kodwa le leta ilula. Kule leta, kufuneka ucele ukuba umqokeleli wetyala ahambe ekuqhagamshelana nawe malunga netyala.
Xa umqokeleli wetyala efumana ileta yakho, banokuqhagamshelana nani kwakhona ukuba bakuxelele yintoni inyathelo, ukuba kukho, umqokeleli uya kuthatha ngokulandelayo. Emva koko, kukuchasene nomthetho ukuba lowo mqokeleli adibanise nawe malunga nelo tyala. Thumela ileta yakho ngeposi eqinisekisiweyo kwaye uya kukwazi ukulandelela xa umqokeleli uyayifumana.
Qaphela ukuba ukucela umqokeleli wetyala ukuba ayeke ukubiza akuyeki ukusebenzisa ezinye iindlela zokuqokelela - njengokufakela isigwebo okanye ukubeka uluhlu kwi-credit report yakho. Kungcono ukuvumela umqokelezi ukuba ayenalo ityala akulokho, anikezele ubungqina naziphi na iintlawulo ozenzayo, okanye ucele ukuqinisekiswa kumqokeleli.
Xa Abaqokeleli Abatyala Bokungekho Msebenzi
Unokwazi ukumangalela umqokeleli oqhubeka eqokelela ityala emva kokuba ulandele onke amanyathelo afanelekileyo ekuphikisana netyala kwaye ucele ukuqinisekiswa. Igosa elijongene nokujongana namatyala ekuqokelelwa kwetyala liya kukwazi ukunitshela ukuba unomthetho osemthethweni kwaye unokukunceda uqhubeke neentambo zenkundla. Kufuneka ufumane negosa elichaphazelekayo xa uthethwa yi-arhente yokuqokelela. Yenza oku nangona ityala lingezakho ukuze unakho ukukhusela ngokomthetho.
Fumana i-Ofisi yoKhuseleko lwezeMali yabathengi ibandakanye ukuba umqokeleli weetyala okanye i-credit bureaus ayiphenduli kakuhle. Umzekelo, ukuba umqokeleli wetyala uyaqhubeka ukuqokelela kuwe emva kokuhluleka ukuphendula ityala lakho lokuqinisekiswa kwetyala okanye ukuba i-credit bureau iqhubeka ityala ululeko kwi-credit report yakho emva kokuba uphikisana nayo. Ungathumela isikhalazo kwiCFPB ngokuya kwi-www.consumerfinance.gov/complaint.