Unqatshelwe ulwazi malunga neNgxelo yeMboleko yakho
Ukuba unesicelo esinqatshelwe ngenxa yenkcazelo kwingxelo yakho yekhredithi , ababolekisi, ababolekisi, kunye namanye amashishini kufuneka athumele oko kwaziwa njengesixwayiso senzathelo esichaphazelayo sokukuxelela isizathu okanye izizathu zokuthi uphikisiwe.
Isaziso siza kukuxelela ukuba yeyiphi i-ofisi yee-credit eyenza ingxelo yengxelo yemboleko esetyenzisiweyo kwisigqibo kwaye inika idilesi yeofisi kunye nenombolo yefowuni. Isaziso esichaphazelekayo isaziso singanikwa ngomlomo, ngefowuni, okanye ngokubhaliweyo kwaye kufuneka ithunyelwe kwisixa "esilungileyo" emva kokuba isigqibo senziwe.
Xa umlinganiselo wakho wekhredithi usetyenziswa kwisigqibo, isaziso kufuneka sibhale uluhlu lwakho lwekredithi kwaye zibandakanye kwizinto ezibini ezifakise isandla kumlinganiselo wakho wekhredithi. Akukho ndleko zeli khredithi.
Isaziso senkonzo esichasene nekredithi kufuneka sikuxelele ukuba ungayifumana njani ikhophi yamahhala yengxelo yakho yekhredithi evela kwi-credit bureau echazwe kwesaziso. Uya kuba neentsuku ezingama-60 ukuyalela le ngxelo yengxelo yemboleko, ngoko wenze ngokukhawuleza. Isaziso siya kuthi kwakhona ukuba i- credit bureau ayizange ifakwe kwisigqibo kwaye i-bureau ayikwazi ukukuxelela ukuba kutheni isicelo sakho siphihliwe. (Ezi zizathu ziza kubalwa kwisaziso.) Ekugqibeleni, isaziso esichaphazelekayo sisenzo siza kubandakanya ukudalulwa kwelungelo lakho lokuphikisana nolwazi olungachanekanga okanye olungaphelelanga kwengxelo yesikweletu .
Xhagamshelana ne-bureau ye-credit kwaye ulandele ingxelo yakho ye-credit credit, ingakumbi ukuba uyamangalisa ngokuchaswa. Unokuba neentlobo zobuqhetseba okanye ukwebiwa kwezazisi ezifunekayo ukucinywa.
Ulahliwe ngezinye izizathu
Ukuba unekhadi lesikweletu okanye isicelo sokubolekwa kwemboleko, kodwa kungekhona ngenxa yolwazi kwingxelo yakho yekhredithi, uya kufumana isaziso esichaphazelekayo .
Isi saziso esichaseneyo saso siya kubhala kwakhona isizathu esithile sakho sicelo sichithwe, kodwa asiyi kufaka igama le-credit bureau okanye ikuvumela ukuba ufumane ingxelo yekhredithi yehhafu . Isaziso soMgaqo-nkqubo we-Equal Credit Opportunity Act (ECOA) ekupheleni kwesi sinyathelo esingathandekiyo sichaza ngokungekho mthethweni ukuphika isicelo sakho ngokusekelwe kubuhlanga, umbala, inkolo, imvelaphi yesizwe, isondo, isimo somtshato, iminyaka (ngokude nje endala ngokwaneleyo ukusayina isivumelwano), ukuthatha inxaxheba kwiprogram yoluncedo loluntu, okanye ukusebenzisa amalungelo akho eMthethweni woKhuseleko lweMboleko.
Yintoni Ongayenza Okulandelayo?
Myalelo wekopi yenkululeko ye-akhawunti yakho yekredithi ngokulandela imiyalelo eboniswe kwileta yesenzo esingalunganga. Hlola ingxelo yakho yekhredithi ngokuchanekileyo kwaye uphikisane nayiphina impazamo kunye ne-bureau bureau. I-credit bureau izakuphanda impikiswano yakho kwaye icacise impazamo ukuba uphando lubuyela kuwe.
Sebenzisa ulwazi kwisaziso sakho sokusebenza esichaphazelekayo ukuqonda ukuba kutheni isicelo sakho siphihliwe. Oku kukuvumela ukuba uyintoni na inyathelo onokuyithatha ukuze uphucule amathuba akho okuvunywa ngexesha elizayo owenza ngalo.