UQhagamshelana njani neBhurosi yeTyala yaSimahla ngo-2021

Uqhagamshelana Njani neBureau yamaTyala Gratis 2021: Isikhokelo soBugcisa kunye nokungathathi hlangothi

I-Credit Bereau ibe sisixhobo esisisiseko sokuvavanya i-solvency yomntu okanye inkampani kwicandelo lezemali. Ngokufika kuka-2021, kubalulekile ukuqonda ukuba ungadibana njani neBreau simahla, uthatha ithuba lezisombululo zobuchwepheshe ezikhoyo.

Kwesi sikhokelo sobugcisa, siza kukunika iinkcukacha ezithe vetshe malunga nendlela yokwenza uthethwano simahla kwi-Credit Bureau kulo nyaka mtsha. Ukusukela ekuceleni ingxelo ukuya ekutolikeni ulwazi oluqulethwe kuyo, siya kujongana nemiba ephambili ekufuneka uyithathele ingqalelo ukuze uqinisekise amava olwelo kunye nenjongo.

Indlela yethu ayizukuthatha cala kwaye ingathathi cala, ikunika umbono ongakhethi cala kwiindlela ezahlukeneyo ezikhoyo zokufikelela kwiCredit Bureau simahla ngo-2021. Ukongeza, siza kucacisa izinto eziluncedo kunye nezithintelo zendlela nganye engenye, ukuze wenze izigqibo ezifanelekileyo ezifanelekileyo. kwiimfuno zakho zemali.

Kwimeko yedijithali eya isanda, siza kuxoxa ngamaqonga aphathwayo kunye nezicelo eziququzelela ukubonisana neCredit Bureau simahla kungafunwanga ntlawulo abanye. Siza kuhlalutya ukusebenza kwayo, iimpawu kunye namanyathelo okhuseleko aphunyeziweyo ukuze kuqinisekiswe ubumfihlo bedatha yomntu.

Ukongeza, siza kuphendula eyona mibuzo idla ngokubuzwa onokuba nayo ngalo mba, sicacisa iikhonsepthi kunye nokunikezela ngeengcebiso ezisebenzayo ukwenza uninzi lothethwano lwasimahla neCredit Bureau kulo nyaka. Ukusuka kukubaluleka kokubeka iliso kwimbali yakho yekhredithi, ukuya kumanyathelo omawuwalandele ukulungisa ukungangqinelani okunokwenzeka, siya kugubungela yonke imiba eyimfuneko ukuze ukwazi ukwenza izigqibo zemali ezizizo nezinenkathalo.

Nokuba ungumthengi onenkathalo ojonge ekuphuculeni izinga lakho letyala, umnini weshishini ekufuneka evavanye ukufaneleka komthengisi, okanye umntu nje onomdla wokuqonda ngcono imbali yakho yezemali, esi sikhokelo sobugcisa kunye nokungathathi hlangothi siya kukubonelela ngezixhobo eziyimfuneko. ukudibana neBureau of Credit simahla ngo-2021. Masiqalise!

1. Yintoni iCredit Bureau kwaye kutheni kubalulekile ukubonisana ngo-2021?

I-Credit Bureau liziko lemali elijongene nokuqokelela nokugcina iinkcukacha zabantu ngetyala zihlaziyiwe. Kubalulekile ukubonisana neCredit Bureau ngo-2021 kuba olu lwazi lubalulekile ukwazi imeko yethu yetyala, kunye nokwenza izigqibo ezifanelekileyo zemali. Ukufikelela kolu lwazi kusivumela ukuba siwazi amandla ethu amatyala, sivavanye ukuhlawuleka kwethu kwaye siseke iindlela zokuphucula umlinganiselo wethu wamatyala.

Ukubonisana neCredit Bureau ngo-2021 kubaluleke kakhulu ngenxa yobhubhani we-COVID-19. Abantu abaninzi baye bachatshazelwa yimali kule ngxaki, kwaye kubalulekile ukuqonda ukuba le meko iyichaphazele njani imeko yethu yetyala. Ukongeza, indlela esiye saphatha ngayo amatyala ethu ngeli xesha inokuba neziphumo zexesha elide, ngoko ke kubalulekile ukwaziswa ukuze uthathe amanyathelo afanelekileyo kwaye uphephe iingxaki zetyala kwixesha elizayo.

Ukudibana ne-Credit Bureau kulo nyaka, kukho iindlela ezahlukeneyo ezikhoyo. Enye yazo kukufikelela kwiwebhusayithi esemthethweni ye-Credit Bureau kwaye ucele ingxelo yetyala. Le ngxelo iya kubandakanya ulwazi oluthe kratya malunga namatyala ethu, iintlawulo ezisalindelweyo, iintlawulo ezisemva, imbali yentlawulo, phakathi kwezinye iinkcukacha ezifanelekileyo. Kuyenzeka ukuba ufumane ingxelo yetyala ngokusebenzisa amaqonga akhethekileyo e-intanethi, abonelela ngeenkonzo zokubonisana neengcebiso kwimiba yetyala.

2. Amanyathelo kunye neemfuno zokuqhagamshelana ne-Credit Bureau simahla ngo-2021

Ukuba unomdla wokubonisana neCredit Bureau simahla ngo-2021, apha sichaza amanyathelo kunye neemfuno eziyimfuneko ukwenza le nkqubo. ngempumelelo. Landela la manyathelo ukuze ufumane ingxelo yakho yetyala eneenkcukacha ngaphandle kweendleko:

Inyathelo lesi-1: Ngena kwiwebhusayithi esemthethweni yeKhredithi yelizwe lakho. Kwezinye iimeko, unokukhuphela usetyenziso oluhambelanayo lweselula.

Inyathelo lesi-2: Yenza iakhawunti okanye ungene ukuba sele unayo. Nika ulwazi olufunekayo, olufana negama lakho elipheleleyo, idilesi, inombolo yesazisi kunye nalo naluphi na olunye ulwazi oluceliweyo.

Inyathelo lesi-3: Qinisekisa isazisi sakho. I-Credit Bureau iya kusebenzisa iinkcukacha zakho ukuqinisekisa ukuba nguwe umnini-akhawunti kunye nokukhusela ubumfihlo bedatha yakho. Kusenokufuneka uphendule imibuzo yokhuseleko, ufake ikhowudi yokuqinisekisa ethunyelwe kwi-imeyile yakho, okanye unikeze ezinye iinkcukacha ezongezelelweyo.

3. Ezona arhente zeCredit Bureau eMexico kunye nendlela yokufikelela kwiinkonzo zazo zasimahla ngo-2021

Iiarhente eziphambili zeCredit Bureau eMexico zinika abemi ithuba lokufikelela kwiinkonzo zabo zasimahla ngo-2021. Ezi arhente zibalulekile ekufumaneni ulwazi malunga nembali yabantu yetyala, nto leyo ebaluleke kakhulu xa ufaka isicelo semali mboleko okanye setyala. Apha ngezantsi ziiarhente eziphambili zeCredit Bureau eMexico kunye nendlela yokufikelela kwiinkonzo zazo zasimahla.

1. Credit Bureau: Yi-arhente yereferensi eMexico kwaye ibonelela ngenkonzo yasimahla ngewebhusayithi yayo. Ukufikelela kwiinkonzo zayo zasimahla, kuya kufuneka uye kwiwebhusayithi yayo esemthethweni kwaye ubhalise njengomsebenzisi. Nje ukuba ubhalise, unokufumana ingxelo yakho yekhredithi yasimahla, eya kukunika ulwazi oluneenkcukacha malunga neeakhawunti zakho zetyala, imbali yentlawulo, kunye namanqaku ekhredithi. Le ngxelo iluncedo kakhulu ekuvavanyeni imeko yakho yemali kwaye wenze izigqibo ezizizo.

2. I-Credit Circle: Le arhente ikwabonelela ngeenkonzo zasimahla ngewebhusayithi yayo. Njengezinye ii-arhente, kuyimfuneko ukubhalisa njengomsebenzisi ukufikelela kwezi nkonzo. Nje ukuba ubhalisiwe, unokufumana ingxelo yakho yekhredithi yasimahla, eya kukubonisa imbali yakho yetyala, intengiselwano kunye nomgangatho wetyala. Ukongeza, iCírculo de Crédito ibonelela ngezixhobo kunye neengcebiso zokuphucula ukulinganisa kwakho kwamatyala kwaye ulawule ngokugqibeleleyo. imali yakho yobuqu.

3. I-Credit Bureau: Le arhente ibonelela ngeenkonzo zasimahla ngeqonga layo le-intanethi. Ukufikelela kuzo, kufuneka wenze i iakhawunti yomsebenzisi kwiwebhusayithi yabo. Nje ukuba ubhalisiwe, unokufumana ingxelo yakho yekhredithi yasimahla, eya kukubonisa iinkcukacha malunga namatyala akho, iintlawulo kunye nembali yezemali. Ukongeza kwingxelo, i-Credit Bureau ibonelela ngeengcebiso ezenzelwe wena kunye nezixhobo zokulawula ityala lakho ngokuthembekileyo.

Ukuqukumbela, iiarhente eziphambili zeCredit Bureau eMexico zibonelela ngeenkonzo zasimahla ngamaqonga azo akwi-intanethi. Ezi nkonzo zivumela abasebenzisi ukuba bafumane ingxelo yabo yekhredithi yasimahla, esisixhobo esixabisekileyo sokuvavanya imeko yabo yezemali. Ukufikelela kwezi nkonzo kulula, kufuneka ubhalise kuphela njengomsebenzisi kwiiwebhusayithi zee-arhente ezikhankanywe ngasentla. Khumbula ukuba ukugcina imbali entle yetyala kubalulekile ukuze ufikelele kwiimali-mboleko kunye namatyala kwixesha elizayo. Thatha ithuba lezi zixhobo zasimahla ukuze ube nolawulo olukhulu kwiimali zakho!

4. Izixhobo zobuchwepheshe kunye nezixhobo zokubonisana neCredit Bureau simahla ngo-2021

Ukubonisana neCredit Bereau kubalulekile ukwazi imeko yethu yezemali nokuqinisekisa ukuba siyithobele intlawulo yethu. Ngethamsanqa, namhlanje sinezixhobo ezininzi zobuchwepheshe kunye nezixhobo ezisivumela ukuba senze olu thethwano simahla kwaye ngaphandle kweengxaki. Okulandelayo, siza kukubonisa ezinye iindlela onokuzisebenzisa ngo-2021.

Iwebhusayithi esemthethweni ye-Credit Bureau: Iwebhusayithi yeCredit Bureau sisixhobo esihle kakhulu sokujonga imbali yakho yetyala simahla. udinga nje dala i-akhawunti, faka iinkcukacha zakho kwaye ucele ingxelo yakho yekhredithi ekhethekileyo. Khumbula ukuba ungafikelela kolu thethwano lwasimahla kube kanye ngonyaka.

Ii-aplikeshini zeselfowuni: Ukongeza kwiwebhusayithi esemthethweni, kukwakho usetyenziso olwahlukeneyo lweselula olukuvumela ukuba udibane ne-Credit Bureau simahla. Ezi apps zihlala zibonelela ngeempawu ezongezelelweyo, ezifana nezilumkiso malunga notshintsho kwimbali yakho yetyala okanye iingcebiso zokuphucula impilo yakho yezemali. Ezinye zezona zicelo zidumileyo zi-XXXX kunye ne-XXXX.

5. Uzikhusela njani iinkcukacha zakho xa udibana neCredit Bureau simahla ngo-2021

Ukuba ufuna ukubonisana neCredit Bureau simahla ngo-2021 kwaye ukhusele iinkcukacha zakho kangangoko, nanga amacebiso abalulekileyo okwenza oko. ngokukhuselekileyo kwaye inokuthenjwa. Khumbula ukulandela la manyathelo ukunqanda nawuphi na umngcipheko worhwaphilizo okanye ukubiwa kwezazisi.

1. Ngena kwiwebhusayithi esemthethweni: Qiniseka ukuba undwendwela iwebhusayithi esemthethweni ye-Credit Bureau ukwenza umbuzo wakho. Khangela ukuba idilesi yesiza iqala ngo-"https://" kunye nokuba isitshixo siyavela kwibha yedilesi yesikhangeli. Oku kuqinisekisa ukuba ungaphakathi iwebhusayithi ikhuselekile kwaye ithembekile.

2. Nikezela ngolwazi oluyinyani noluchanekileyo: Xa usenza iakhawunti yakho okanye ufaka idatha yakho yobuqu, qiniseka ukuba unikezela ngolwazi oluchanekileyo. Oku kuya kuqinisekisa ukuba iziphumo zombuzo wakho zichanekile kwaye ziphelele.. Musa ukwabelana ngolwazi lwakho namaqela esithathu okanye unikeze ngolwazi olungeyonyani.

6. Izinto eziluncedo zokubonisana neCredit Bereau simahla ngo-2021 kunye nendlela yokuthatha inzuzo yazo

Ukubonisana neBreau yeKhredithi simahla ngo-2021 kunokukunika izibonelelo ezininzi. Ukwazi imbali yakho yetyala kukuvumela ukuba wenze izigqibo ezinolwazi ngezezimali kwaye uphephe izinto ezothusayo. Okulandelayo, siza kukubonisa indlela yokusebenzisa esi sixhobo ngokufanelekileyo.

1. Ngena kwiwebhusayithi esemthethweni: Yiya kwiphepha elisemthethweni le-Credit Bureau kwaye ukhethe ukhetho lokubonisana simahla. Qinisekisa ukuba ukwisiza esifanelekileyo ukunqanda iisayithi zobuqhophololo.

2. Bhalisa: Gcwalisa ifom yobhaliso ngolwazi lwakho lobuqu. Kubalulekile ukubonelela ngolwazi oluchanekileyo ukufumana iziphumo ezichanekileyo.

3. Qinisekisa ubuwena: I-Credit Bureau iya kusebenzisa iindlela zokuqinisekisa, njengemibuzo eyimfihlo enxulumene nembali yakho yetyala, ukuqinisekisa ukuba nguwe kuphela ofikelela kulwazi. Nika iimpendulo ezaneleyo neziyinyaniso ukuze kuqhutyekwe nenkqubo yokubonisana.

Khumbula ukuba ukubonisana simahla kufumaneka kanye ngonyaka. Lisebenzise kangangoko eli thuba lokuphonononga imbali yakho yetyala kwaye ufumanise iimpazamo ezinokubakho. Ukuba ufumana nakuphi na ukungangqinelani, unokucela ulungiso oluhambelanayo ngokulandela imiyalelo ye-Credit Bureau. Ukugcina imbali entle yetyala kubalulekile ukuze ufikelele iimeko ezingcono kwizicelo zetyala kwixesha elizayo.

7. Uzitolika njani kwaye uziqonde njani iziphumo zengxelo yakho yetyala kwi-Credit Bureau ngo-2021

Ukutolika kunye nokuqonda iziphumo zengxelo yakho yekhredithi evela kwi-Credit Bereau kunokuba nzima, kodwa kubalulekile ukwenza izigqibo zemali unolwazi. Nasi isikhokelo Inyathelo nenyathelo ngendlela yokutolika iziphumo zengxelo yakho:

1. Phonononga iinkcukacha zakho: Qala ngokuqinisekisa ukuba zonke iinkcukacha zakho zisexesheni kwaye zichanekile. Oku kuquka igama lakho, idilesi, inombolo Ukhuseleko lasekuhlaleni kunye neenombolo zeakhawunti. Nayiphi na impazamo inokuchaphazela kakubi amanqaku akho ekhredithi.

• Iingcebiso: Phinda ujonge iinkcukacha zakho kwaye ukuba ufumana nakuphi na ukungangqinelani, qhagamshelana ne-Credit Bureau ukukulungisa.
• Izixhobo: Sebenzisa izixhobo ze-intanethi ezifana ne-Credit Bureau web portal ukuqinisekisa nokuhlaziya iinkcukacha zakho.

2. Hlalutya ii-akhawunti zakho: Jonga ngononophelo kuzo zonke iiakhawunti zakho zetyala kwaye uvavanye imeko yazo. Iiakhawunti ezivaliweyo okanye ezinobunjubaqa zinokuba nefuthe elibi kumanqaku akho okuthenga ngetyala, ngelixa ii-akhawunti ezimile kakuhle kwaye zilawulwa kakuhle zinesiphumo esihle. Chonga naziphi na iiakhawunti ezingaziwayo okanye ezikrokrelekayo, njengoko zinokuba luphawu lobusela besazisi.

• Iingcebiso: Jonga kwi-akhawunti nganye yokuvulwa nokuvalwa kwayo, kunye nembali yayo yokuhlawula. Qinisekisa ukuba uyaziqonda zonke ii-akhawunti kwaye, ukuba kukho ukungangqinelani, qhagamshelana ne-Credit Bureau ukuyisombulula.
• Izixhobo: Sebenzisa izixhobo zokubeka iliso kwi-intanethi ukufumana umbono opheleleyo weeakhawunti zakho kwaye ulandelele imeko yazo.

3. Jonga imibuzo yakho ngetyala: Jonga icandelo lemibuzo kwingxelo yakho yekhredithi ukuze ubone ukuba ngubani ocele ulwazi lwakho lwekhredithi. Ukubuza rhoqo kunokubonisa ukuba ufaka isicelo setyala rhoqo, nto leyo enokuthi ukubonwa njengomngcipheko kubabolekisi. Kufuneka uqinisekise kwakhona ukuba yonke imibuzo isemthethweni kwaye ubavume ababolekisi abathe bayiphonononga imbali yakho yetyala.

• Iingcebiso: Nciphisa imibuzo ngetyala kuphela kwezo ziyimfuneko kwaye uphephe ukwenza isicelo setyala eligqithisileyo. Ukuba ufumana nawuphi na umbuzo ongaziwayo, qhagamshelana ne-Credit Bureau ukuze uwuphande.
• Izixhobo: Sebenzisa iinkonzo zokubeka iliso kwi-intanethi ukufumana izilumkiso zemibuzo emitsha kwaye uhlale uqaphela nawuphi na umsebenzi okrokrelayo.

8. Ukubaluleka kokulungisa iimpazamo kunye nokungangqinelani kwingxelo yakho yekhredithi evela kwi-Credit Bureau ngo-2021.

Ingxelo yekhredithi sisixhobo esisisiseko esisetyenziswa ngababolekisi ukuvavanya amandla okuhlawula abo bafaka izicelo zekhredithi. Ngesi sizathu, kubalulekile ukuba ingxelo yakho yekhredithi ngokuchanekileyo nangenyaniso ibonise imbali yakho yekhredithi. Ngamanye amaxesha, iimpazamo okanye ukungangqinelani kunokuthi kwenzeke kule ngxelo, enokuthi ichaphazele kakubi amathuba akho okufumana ikhredithi okanye iimali-mboleko kwixesha elizayo.

Ukulungisa iimpazamo kunye nokungangqinelani kwingxelo yakho yetyala kwi-Credit Bureau ngo-2021, kufuneka ulandele la manyathelo:

• Jonga ingxelo yakho yetyala: Cela ikopi yasimahla yengxelo yakho yetyala kwi-Credit Bureau ukuchonga naziphi na iimpazamo okanye ukungangqinelani okunokubakho. Hlola ngononophelo zonke iinkcukacha, ezifana nembali yentlawulo, iibhalansi, kunye nolwazi lomntu.
• Ukungangqinelani kwamaxwebhu: Ukuba ufumana iimpazamo kwingxelo yakho yetyala, kubalulekile ukuba uqokelele onke amaxwebhu axhasa ibango lakho. Ngokomzekelo, iingxelo zeakhawunti, iirisithi zentlawulo, izatifikethi zokuhlaliswa, phakathi kwabanye.
• Qhagamshelana neZiko lamaTyala: Wakuba uzibonile iimpazamo okanye ukungangqinelani, qhagamshelana ne-Credit Bureau ukuze uchaze iingxaki kwaye ubonise amaxwebhu afanelekileyo. Ungayenza ngewebhusayithi yabo, ngefowuni okanye ngeposi.

Kubalulekile ukulungisa naziphi na iimpazamo okanye ukungangqinelani kwingxelo yakho yekhredithi yeKhredithi ngokukhawuleza. Oku kuya kuqinisekisa ukuba imbali yakho yekhredithi ichanekile kwaye ayinamkhethe, ithintela imiqobo kwixesha elizayo xa ufaka isicelo setyala. Ngalo lonke ixesha khumbula ukugcina iirekhodi zakho zihlaziyiwe kwaye uqaphele iimpazamo ezinokuvela kwingxelo yakho yetyala.

9. Ulusebenzisa njani ulwazi olusuka kwiCredit Bhurau ukuphucula imbali yakho yamatyala ngo-2021

I-Credit Bereau liziko eliqokelela lize ligcine ulwazi malunga nembali yakho yamatyala, nto leyo enokuba nefuthe elibonakalayo ekukwazini kwakho ukufumana ityala kwixesha elizayo. Ukuba ujonge ukuphucula imbali yakho yamatyala ngo-2021, ukusebenzisa ulwazi olusuka kwi-Credit Bureau ingalicebo elisebenzayo. Apha sikubonisa indlela yokwenza:

1. Fumana ikopi yengxelo yetyala lakho: Unokufumana ikopi yasimahla yengxelo yakho yetyala kanye ngonyaka. Ukuphonononga olu xwebhu kuya kukuvumela ukuba wazi imeko yakho yangoku kwaye ufumanise iimpazamo ezinokubakho okanye ukungangqinelani. Ukuba ufumana naluphi na ulwazi olungachanekanga, kubalulekile ukuba ululungise ngoko nangoko.

2. Hlalutya ingxelo yakho yetyala: Jonga ngononophelo icandelo ngalinye lengxelo yetyala lakho, kubandakanywa imbali yentlawulo, iimali ezityalwayo, kunye nemibuzo yakutshanje. Chonga iinkalo onokuziphucula kuzo uze uzibekele usukelo olukhethekileyo lokwenjenjalo. Umzekelo, ukuba uhlawule kade, yenza isicwangciso sokufumana amatyala akho kwaye uphephe ukulibaziseka kwixesha elizayo.

3. Yila isicwangciso sokusebenza: Wakuba uchonge iindawo ekufuneka uziphucule, inyathelo elilandelayo kukuphuhlisa isicwangciso somsebenzi. Oku kunokuquka izinto ezinjengokwenza uqingqo-mali, ukuthethathethana nabo ubatyalayo, ukwenza intlawulo eyongezelelekileyo kumatyala akho, okanye ukukhangela iindlela zokwandisa umvuzo wakho. Gcina umkhondo wenkqubela yakho ukuze ukwazi ukuhlola inkqubela yakho kwaye wenze uhlengahlengiso xa kuyimfuneko.

10. Iziphumo zokungadibani neCredit Bereau ngo-2021

Ukungaphumeleli ukudibana nabeCredit Bureau ngamaxesha athile kunokuba nefuthe elibi kubomi bakho bemali. Ngo-2021, lo mba uye wabaluleka ngakumbi ngenxa yokungaqiniseki kwezoqoqosho okuveliswe ngubhubhane. Kubalulekile ukuba uyazi ngembali yakho yetyala ukuphepha izinto ezothusayo kwaye wenze izigqibo ezizizo.

Enye yeengxaki eziphambili onokuthi ujongane nazo ngokungadibani rhoqo ne-Credit Bureau kukwazi ukubona iimpazamo okanye ukungangqinelani kwimbali yakho. Ezi mpazamo zinokuchaphazela kakubi amanqaku akho kwaye, ngenxa yoko, zenze kube nzima ukufumana imali-mboleko okanye ikhredithi kwixesha elizayo. Ngokuphonononga imbali yakho, uya kukwazi ukubona naziphi na iimpazamo kwaye uthathe amanyathelo ayimfuneko ukulungisa ngexesha, ukuphepha iingxaki ezizayo.

Esinye isiphumo sokungadibanisi neCredit Bureau kukunqongophala kolwazi malunga nenqanaba letyala lakho. Ukuba awucacanga malunga nesixa setyala onalo kunye nendlela abaziphethe ngayo, unokuzifumana usengxakini yemali obungayilindelanga. Ngokubeka iliso rhoqo kwimbali yakho, uya kukwazi ukuvavanya inqanaba letyala lakho kwaye wenze izigqibo ezifanelekileyo zokulawula iimali zakho ngempumelelo.

11. Ungadibana njani neBreau yeKhredithi simahla kwi-intanethi ngo-2021

Ukubonisana neBreyithi yekhredithi simahla kwi-intanethi ngo-2021 yinkqubo elula nekhawulezayo eya kukuvumela ukuba wazi imbali yakho yetyala kwaye uvavanye imeko yakho yezemali. Okulandelayo, siza kukubonisa amanyathelo ayimfuneko ukwenza olu thethwano simahla.

Amanyathelo okudibana ne-Credit Bureau simahla kwi-intanethi:

• Ngena iwebhusayithi esemthethweni ye-Credit Bureau.
• Crea una cuenta nueva o inicia sesión si ya tienes una.
• Gcwalisa iinkcukacha zakho ezifunekayo, njengegama lakho, idilesi kunye nenombolo yesazisi.
• Khetha ukhetho lokubonisana simahla kwaye uqinisekise ukhetho lwakho.
• Lindela ukuba ingxelo yakho yetyala yenziwe kwaye ube nayo esandleni ukuze uhlalutye.

Nje ukuba ulandele la manyathelo, uya kuba nokufikelela kwingxelo yakho yetyala simahla kwaye uya kukwazi ukuphonononga imbali yakho yetyala ngokweenkcukacha. Ukuba ufuna ukufumana ikopi eprintiweyo yengxelo yakho, ungayikhuphela eqongeni kwaye ugcine ikopi kwireferensi yexesha elizayo. Khumbula ukuba ukujonga i-Credit Bureau rhoqo kuya kukunceda uhlale unolwazi ngemeko yakho yezemali kwaye wenze izigqibo ezizizo ukuphucula imbali yakho yamatyala.

12. Ukubaluleka kokumisela iinjongo zemali emva kokudibana neCredit Bureau yasimahla ngo-2021

Ukumisela iinjongo zezimali emva kokubonisana ne-Credit Bureau yasimahla ngo-2021 kunokuba nefuthe elibonakalayo kwimpilo yezemali yexesha elide. Xa unombono ocacileyo wemeko yakho yekhredithi, unokwenza izigqibo ezinolwazi kunye neqhinga lokuyiphucula. Apha sichaza ukubaluleka kokumisela iinjongo zemali kunye nendlela yokwenza emva kokufumana ingxelo yamahhala.

1. Yazi imeko yakho yangoku yetyala. Phambi kokuba uzibekele usukelo lwemali, kubalulekile ukuba uqonde ukuba umi phi na ngokwetyala. Jonga ingxelo yakho yasimahla yeBhrehreshini ukuze ufumane iinkcukacha ngembali yakho yetyala, amanqaku, kunye nalo naliphi na ityala elingekahlawulwa. Chonga imiba ekufuneka uyiphucule kunye neengozi ezinokubakho ezinokuchaphazela iinjongo zakho zemali.

2. Chaza iinjongo zemali ezinokufikelelwa. Nje ukuba uphonononge imeko yakho yetyala, lixesha lokumisela iinjongo zemali ezinokwenyani nezifikelelekayo. Ngokomzekelo, unokuzibekela usukelo lokuphucula amanqaku akho okuthenga ngetyala ngexesha elithile, ukunciphisa amatyala akho ngepesenti ethile, okanye ugcine isixa esithile nyanga nganye. Qwalasela ukusebenzisa indlela ye-SMART (Ecacileyo, Enokumetwa, Iyafezekiswa, iNgxaki, imiselwe ixesha) ukuqinisekisa ukuba iinjongo zakho zicacile kwaye ziyalinganiseka.

13. Uyigcina njani imbali entle yetyala emva kokubonisana neCredit Bureau ngo-2021

Ukugcina imbali entle yetyala emva kokubonisana neCredit Bureau ngo-2021 kubalulekile ukuqinisekisa ukuba ufumana iimali-mboleko ezifanelekileyo kunye nekhredithi kwixesha elizayo. Nanga amanye amacebiso aluncedo ukugcina isidima esihle setyala:

• Hlawula amatyala akho ngexesha: Ukwenza iintlawulo zakho ngexesha kubalulekile ekugcineni imbali entle yetyala. Qinisekisa ukuba uyawahlawula amatyala akho, amakhadi okuthenga ngetyala, imali yokubambisa kunye neemali-mboleko xa zifuneka.
• Utiliza el crédito de forma responsable: Musa ukudlula imida kumakhadi akho okuthenga ngetyala. Zama ukugcina imali oyityalayo ingaphantsi kwama-30% omlinganiselo okhoyo wamatyala. Kuphephe ukuqokelela amatyala agqithisileyo kwaye uqiniseke ukuba uhlawula ngaphezulu kwentlawulo encinci efunekayo.
• Yijonge rhoqo ingxelo yakho yetyala: Uphonononge ingxelo yakho yetyala rhoqo ukuze uchonge kwaye ulungise iimpazamo ezinokubakho. Oku kuya kukuvumela ukuba usombulule nakuphi na ukungangqinelani ngexesha kwaye ugcine imbali yakho yetyala isexesheni kwaye ichanekile.

Ukongeza, kubalulekile ukunqanda imibuzo egqithisileyo kwi-Credit Bureau, kuba umbuzo ngamnye unokuchaphazela kancinane amanqaku akho etyala. Qinisekisa ukufaka isicelo setyala kuphela xa kuyimfuneko kwaye wenze uthelekiso phambi kokuba wenze isigqibo. Khumbula ukuba ukugcina imbali entle yetyala kuthatha ixesha kunye nomzamo, kodwa kuya kubonisa ngokuncomekayo kubuchule bakho bokufikelela kwiindlela ezingcono zenkxaso-mali kwixesha elizayo.

14. Ezona ndlela zilungileyo zokugcina ulawulo lwemali emva kokudibana neCredit Bureau yasimahla ngo-2021

Ukugcina ulawulo lwemali oluluqilima emva kokudibana neBreau yasimahla yeKhredithi ngo-2021 kubalulekile ukuze uphucule imbali yakho yetyala kwaye wenze izigqibo ezinolwazi malunga nempilo yakho yezemali. Nazi ezinye iindlela ezilungileyo onokuzilandela ukugcina ulawulo olusebenzayo:

1. Hlalutya ingxelo yakho yekhredithi: Emva kokuba ufumene ingxelo yakho yekhredithi yasimahla, hlola ngononophelo ulwazi olunikiweyo. Chonga naziphi na iimpazamo okanye ukungangqinelani, okufana nee-akhawunti ezingachanekanga okanye iintlawulo zasemva kwexesha ezixeliweyo. Ukuba ufumana naziphi na iimpazamo, qhagamshelana ne-arhente yengxelo yekhredithi ngokukhawuleza ukuze uzilungise.

2. Beka uhlahlo lwabiwo-mali: Uhlahlo lwabiwo-mali oluluqilima lungundoqo ekugcineni ulawulo lwezemali olusempilweni. Hlalutya umvuzo wakho wenyanga kunye neendleko, kwaye ubeke imida ecacileyo yodidi ngalunye. Qinisekisa ukuba wabela inxalenye yomvuzo wakho ukugcina nokuhlawula amatyala akho. Landela uhlahlo lwabiwo-mali ngokusondeleyo kwaye wenze uhlengahlengiso njengoko kuyimfuneko.

3. Landela iindleko zakho rhoqo: Ukugcina ingxelo eneenkcukacha yeendleko zakho kuya kukunceda ubone iinkalo ofanele uziphucule uze uphephe iindleko ezingeyomfuneko. Sebenzisa izixhobo zemali kunye neeapps ukurekhoda utshintshiselwano lwakho kwaye uhlele iindleko zakho. Hlola iipatheni zakho zenkcitho ngamaxesha athile kwaye ufumane iindlela zokunciphisa iindleko kunye nokugcina imali.

Ngamafutshane, i-Credit Bureau sisixhobo esingundoqo kulawulo lwemali yakhe nawuphi na umntu. Ukwazi imbali yethu yamatyala kusivumela ukuba sihlole imeko yethu yezemali, sibone iimpazamo ezinokwenzeka kwaye senze izigqibo ezizizo malunga nezimali zethu zobuqu.

Ngethamsanqa, ngo-2021 sinezinto ezininzi esinokuzikhetha ukuze sidibane ne-Credit Bureau simahla. Ukusuka kwiqonga elisemthethweni le-Credit Bureau, ukuya kwizicelo eziphathwayo kunye namaziko emali abonelela ngale nkonzo ngaphandle kweendleko.

Kubalulekile ukuqaphela ukuba, nangona uthethwano lwasimahla lweCredit Bureau lusinika ulwazi oluxabisekileyo malunga nembali yethu yamatyala, zikwakhona. ezinye iinguqulelo ulwazi olupheleleyo noluneenkcukacha olunokufuna intlawulo yomrhumo. Ezi nguqulelo zihlala zinikela iinkcukacha ezithe vetshe malunga neentlawulo zasemva kwexesha, amatyala, iikhredithi zangoku kunye nezinye izinto ezinokuphembelela umlinganiselo wethu wamatyala.

Ukuqukumbela, ukubonisana neCredit Bureau simahla ngo-2021 ngumsebenzi olula nofikelelekayo kwabo banqwenela ukwazi kwaye bahlalutye imbali yabo yetyala. Nokuba kungeqonga elisemthethweni, izicelo eziphathwayo okanye iinkonzo ezibonelelwa ngamanye amaziko ezemali, esi sixhobo sisinika ithuba lokwenza izigqibo ezizizo malunga nezimali zethu kunye nokugcina iprofayile yetyala. Nangona kunjalo, kubalulekile ukukhumbula ukuba ulwazi olufunyenwe ngokubonisana simahla lunokuncitshiswa xa kuthelekiswa neenguqulelo ezihlawulweyo, ngoko kuyacetyiswa ukuba uqwalasele ezi zikhetho ezipheleleyo ngakumbi ukuba kufuneka uhlalutyo oluneenkcukacha ngakumbi.