Ii-arhente zokubika zihlanganisa iinkcukacha malunga nembali yakho yekhredithi
Ii-arhente zemali-mboleko, ezibizwa nangokuthi i-arhente yokubika ngetyala, ziinkampani eziqokelela kwaye zigcine ulwazi lwekhredithi yomthengi ngoko zithengisa nakwamanye amashishini ngendlela ye-credit report. Zonke zithengiswa esidlangalaleni, iinkampani zenzelwe-inzuzo-ayinawo urhulumente. Urhulumente, kodwa ke, unomthetho-uMthetho weNkcazo yokuTyala ngeNtengiso (FCRA) -wulawula indlela ezi kunye nee-other bureaus ezichaphazelekayo kwaye kufuneka zisebenze.
Ziziphi ii-Agence Reporting Agencies Zenza ... kunye nezinto ezingenzi
Iinkonzo ezinkulu zeentengo zemboleko zifumana ulwazi olunxulumene nekhredithi kwiinkampani ozenza ishishini. Ngokuqhelekileyo bathatha iirekhodi zoluntu ezifanelekileyo, njengeenkontileka zerhafu okanye ulwazi lwebhanki, kwaye zibandakanya oku kwingxelo yakho yekhredithi.
Emva koko bathengisa ulwazi lwakho lwekhredithi kumashishini anesizathu esisemthethweni sokuyihlolisisa. Ngokomzekelo, inkampani oye wafaka isicelo ngekhredithi nayo iya kuba nemfuneko efanelekileyo yokujonga iimbali zakho zemali. Ingcaciso yakho inokuthengiswa nakwiinkampani ezifuna ukukukhusela ngaphandle kwemveliso kunye neenkonzo.
Kodwa i-arhente yokubika ngetyala inokunika kuphela ulwazi kunye nezixhobo zokuhlalutya ukukunceda amabhangi enze izigqibo malunga nokuba unokunikela ngetyala kunye naluphi uhlobo lomyinge onomdla ekufuneka bahlawule ngawo. Iimboleko ngokwabo azizenzi ezo zigqibo.
Iingxelo zeeNgxelo zeNgxowa-mali ziManyano ahlukeneyo
Iingxowa-mboleko zemboleko zisoloko zinobudlelwane bezobhankini kunye neebhanki, abakhupheli bekhadi lesikweletu, kunye namanye amashishini onokuthi ube neengxelo.
Imbali yakho yekhawunti iya kubonakala kwenye okanye zonke iingxelo zakho zemali ezivela kule arhente ngenxa yezi nxi
I-arhente yemali-mboleko ayiboni ngolwazi nge-akhawunti yakho kunye nomnye. Ababolekisi bakho banokubika kubo bonke abathathu besikhulu se-credit burea okanye omnye wabo ngoko ezinye iinkcukacha kwifayili yakho yekredithi zingahluke ngamnye.
Kubalulekile ukuba ubuyekeze ngezihlandlo zakho iingxelo kwii-arhente ezininzi njengoko kunokwenzeka ukuqinisekisa ukuba konke kulungile.
Xa abathengi nabathengi beza kukhangela i-credit yakho, banokukrazula ingxelo yekredithi yeevenkile kunezinye eziliqela. Ngokuqhelekileyo ixabiso elincinci kumashishini ukuba ahlole ingxelo enye yeerhafu.
Ezinye iAgencies Zenza ingxelo ekhethekileyo
Amanye amaziko eentengo zemboleko azakhele ingqalelo kwiintlobo ezithile zokunika ingxelo ukuba ngababolekisi abathile okanye iinkampani ziza kubandakanywa ukuthenga iingxelo ezivela kubo kunokuba zivela kwabanye, kuxhomekeka kwiimfuno zabo. Ngokomzekelo, i-PRBC / i-MicroBilt isebenza ngokukodwa ngababolekisi abancinci abazimisele ukuboleka imali mboleko kubantu abafumana imali encinci kunye nalabo abanekhredithi engamahlwempu. I-Innovis inikezela kuphela idatha eya kunceda ukuqinisekisa ubungqina bakho ngenjongo yokukhusela nokukhwabanisa.
Ezi arhente ezizodwa zingenako ukuqokelela yonke ingcaciso malunga nomlando wakho wekhredithi kodwa kuphela ulwazi oluchaphazelekayo kummandla othile. Ngokomzekelo, abanye bahlolisise ekuhlolweni kwabasebenzi abangabasebenzi xa abanye bephethe iimbali zerenti zabanikazi bezindlu. Amaziko ezeemali anoluhlu lwazo lwee-arhente zengxelo, eziquka iTelechek kunye neChexSystems, ezijolise kumsebenzi we-akhawunti yebhanki njenge-overdrafts.
Amanye ama-arhente ayahluka kwiimveliso zonyango okanye ze-inshorensi.
Xa Kufuneka Udibanise neeNkonzo zeeNgxowa-mali
Unelungelo lokujonga iingxelo zakho zeentengo zemali kwaye unelungelo lokuyalela ingxelo yehhala kwi-arhente enkulu yokwenza ingxelo ngekrediti ngonyaka ngamnye. Jonga nje i-AnnualCreditReport.com ukwenza isicelo. Unokufumana kwakhona ikopi yengxelo yakho ngaphandle kokuhlawulwa xa uchithelwa ngetyala, kodwa kufuneka wenze isicelo kwisithuba seentsuku ezingama-60.
Ungathenga ingxelo yakho yekredithi ngqo kwi-arhente yokubika ngetyala ngaliphi na ixesha. Ii-arhente ezinkulu, i-Equifax kunye ne-Experian, zinikeza iingxelo zeentengo zemali ezibandakanya ulwazi oluvela kwii-arhente ezinkulu zokubhengisa ngetyala kwixwebhu elilodwa.
Ukuphikisa ulwazi kwiNgxelo yakho
Ungaphinda ufune ukuqhagamshelana negosa lekhredithi ngqo ukuphikisana nolwazi oluchanekileyo olufumene kwingxelo yakho, okanye ukuthenga amanqaku akho.
Oku kwahluke kwingxelo yakho yekredithi. Amanqaku akho atholakala kwingcaciso kwingxelo yakho yekhredithi.
Ungaphinda ufune ukufikelela kwi-arhente yokubika ngetyala ukubeka uqaphelo lokukhwabanisa okanye ukhuseleko kwi-credit report yakho xa unesizathu sokukholelwa ukuba ulixhoba lobusela besazisi.
Iinkcukacha zoqhakamshelwano
Kukho ii-arhente zengxelo ezininzi zemali kwi-US, kodwa abaninzi abantu bayazi kakuhle ezintathu ezinkulu:
- I-Equifax : PO Box 740241, Atlanta, GA 30374-0241, 1-800-685-1111
- I-Experian : PO Box 2104, Allen, TX 75013-0949, 1-888-EXPERIAN (397-3742)
- TransUnion - PO Box 1000, Chester, PA 19022, 1-800-916-8800
Iinkcukacha zoqhagamshelwano namanye amaziko eemboleko zemali ziquka:
- PMBC / Microbilt: PO Box 440693, uKennesaw, GA 30160, 1-888-222-7621
- SageStream: PO Box 503793, eSan Diego, CA 92150, 1-888-395-0277 (Ikhetho 1)
I-FICO ayikho i-Credit Bureau
I-Fair Fair Corporation (i-FICO) yenye yeyona nkampani enkulu kwinkampani yekhredithi. I-FICO iphuhlise kwaye igcine i- FICO yamanqaku ekhredithi , kodwa ayikho i-credit agency. Nangona i-FICO iqokelela amanqaku ekhredithi ngokusekelwe kwidatha evela kwii-credit bureaus ezinkulu, abaqokeleli idatha yengxelo yesikweletu ngokwabo.