Ngaba ufuna ukwazi ukuba njani **khangela i-credit bureau yomntu? Ukujonga imbali yetyala lomntu ngumsebenzi olula onokukunika ulwazi oluninzi. Kukho iindlela ezahlukeneyo zokufumana olu lwazi, ukusuka ekuyijongeni kwi-intanethi ukuya ekuceleni ingxelo yetyala lomzimba. Okulandelayo, siya kuchaza inyathelo ngenyathelo indlela yokwenza le nkqubo ukuze ufumane ulwazi oludingayo ngokukhawuleza nangokulula.
-Inyathelo ngenyathelo ➡️Ungajongwa njani I-Bureau yeCredit yoMntu
- Inyathelo lesi-1: Into yokuqala ekufuneka uyenzile kukufikelela kwiwebhusayithi esemthethweni yeKredit Bureau.
- Inyathelo lesi-2: Kanye kwiphepha eliphambili, khangela icandelo elithi «Jonga iNgxelo yakho yeTyala eKhethekileyo»kwaye nqakraza kuyo.
- Inyathelo lesi-3: Uzakuthunyelwa kwiphepha elitsha apho kuya kufuneka ugcwalise iphetshana lesicelo ngolwazi lomntu onqwenela ukuphonononga i-credit bureau.
- Inyathelo lesi-4: Gcwalisa ifomu ngedatha efunekayo, njengegama elipheleleyo, umhla wokuzalwa, i-RFC, idilesi, phakathi kwezinye.
- Inyathelo 5: Emva kokugcwalisa ifom, kufuneka wenze intlawulo ehambelanayo yokubonisana nengxelo yekhredithi.
- Inyathelo 6: Nje ukuba intlawulo yenziwe, uya kufumana inombolo yephepha okanye ubungqina bokuthenga obuya kusebenza njengereferensi yokukhuphela ingxelo yetyala.
- Inyathelo lesi-7: Buyela kwiwebhusayithi kwaye ujonge ukhetho lokukhuphela ingxelo yekhredithi Sebenzisa inombolo yephepha okanye ubungqina bokuthenga ukufikelela kwingxelo.
- Inyathelo lesi-8: Khuphela ingxelo yekhredithi kwaye uphonononge ngononophelo ulwazi olunikezelweyo ukuchonga iimpazamo okanye izitenxo ezinokwenzeka.
- Inyathelo lesi-9: Ukuba ufumana naluphi na ulwazi olungachanekanga kwingxelo, qhagamshelana ne-Credit Bureau ukuqalisa inkqubo yokulungisa iinkcukacha.
Imibuzo neempendulo
Uyijonga njani iCredit Bureau yomntu?
Ukujonga i-Credit Bureau yomntu, landela la manyathelo:
- Ngena iwebhusayithi esemthethweni ye Credit Bureau.
- Khetha inketho yoNxibelelwano ngeNgxelo yeTyala eKhethekileyo.
- Gcwalisa ifom ngolwazi olufunekayo: igama, i-RFC, idilesi, phakathi kwezinye.
- Yenza intlawulo ehambelanayo, ukuba ikhona.
- Fumana ingxelo yakho yekhredithi kwi-intanethi okanye nge-imeyile.
Kubiza malini ukubonisana neCredit Bureau?
Iindleko zokubonisana ne-Credit Bureau zinokwahluka, kodwa zijikeleze ngokubanzi:
- I-200 yeepeso zaseMexico zokubonisana kunye.
- 350 yepesos yaseMexico yomrhumo wonyaka.
Kuthatha ixesha elingakanani ukufumana ingxelo yetyala?
Ixesha lokufumana ingxelo yakho yetyala linokwahluka, kodwa ngokubanzi:
- Ukuba uyicela kwi-intanethi, uya kufumana ingxelo yekhredithi kwisithuba semizuzu.
- Ukuba uyicela nge-imeyile, ixesha lokulinda linokuba ukusuka kwiintsuku ezintlanu zokusebenza.
Loluphi ulwazi oluqukwa yingxelo yetyala?
Ingxelo yetyala ibandakanya olu lwazi lulandelayo:
- Imbali yetyala.
- Iikhredithi zangoku.
- Imbali yentlawulo.
- Imibuzo kwi-Credit Bureau.
Ndingenza ntoni xa ndifumana impazamo kwingxelo yam yetyala?
Ukuba ufumana impazamo kwingxelo yakho yetyala, landela la manyathelo:
- Qhagamshelana ne-Credit Bureau ukuxela impazamo.
- Ngenisa amaxwebhu ayimfuneko ukuxhasa ibango lakho.
- Lindela i-Credit Bureau ukuba yenze uphando oluhambelanayo.
- Fumana isisombululo kunye nolungiso kwingxelo yakho yetyala, ukuba kufanelekile.
Ingaba ulwazi lugcinwa ixesha elingakanani kwi-Credit Bureau?
Ulwazi lugcinwa kwi-Credit Bureau ngeli xesha lilandelayo:
- Imbali yeTyala: iinyanga ezingama-72 (iminyaka emi-6).
- Imbali yeNtlawulo: 72 iinyanga (6 iminyaka).
- Iingcebiso kwi-Credit Bureau: iinyanga ezili-12 (unyaka om-1).
- Idatha yesazisi: Ngokungenasiphelo.
Ngaba ukujonga IQumrhu letyala liyawachaphazela amanqaku am amatyala?
Ukubonisana neCredit Bereau akuchaphazeli amanqaku akho amatyala, kuba imibuzo oyenze ngokwakho ithathwa ngokuba “yimibuzo ethambileyo” kwaye ayinampembelelo kwimbali yakho yamatyala.
Ndingawaphucula njani amanqaku am amatyala?
Ukuphucula amanqaku akho etyala, cinga ngokuthatha la manyathelo alandelayo:
- Hlawula amatyala akho kwangexesha.
- Sebenzisa ngaphantsi 30% yomda wetyala lakho.
- Musa ukurhoxisa amakhadi akho okuthenga ngetyala amadala.
- Sukuvula iiakhawunti ezininzi zetyala ngexesha elifutshane.
Ngaba unakho ukujonga i-Credit Bureau yomnye umntu?
Akukwazeki ukuba ujonge i-Credit Bureau yomnye umntu ngaphandle kwesigunyaziso sakhe, njengoko oku kungabandakanya ukwaphulwa kwemithetho yabo yabucala kunye neyokukhuselwa kwedatha yobuqu.
Yeyiphi inkampani ebonelela ngamanqaku etyala eMexico?
EMexico, amanqaku etyala anikezelwa yi-Credit Bureau kunye neCírculo de Crédito.
NdinguSebastián Vidal, injineli yekhompyuter ethanda itekhnoloji kunye ne-DIY. Ngaphaya koko, ndingumdali we tecnobits.com, apho ndabelana ngee-tutorials ukwenza itekhnoloji ifikeleleke kwaye iqondeke kumntu wonke.