Indlela Yokubuka I-Credit Bureau Yami

I-credit bureau iyisici esibalulekile ohlelweni lwezezimali, ehlinzeka ngolwazi mayelana nomlando wezikweletu womuntu. Ukwazi nokuqonda okuqukethwe yi-credit bureau yakho kubalulekile ekwenzeni izinqumo zezezimali unolwazi. Kuleli phepha elimhlophe, sizohlola ukuthi ungawubuka kanjani umbiko wakho wesikweletu futhi ufinyelele lolu lwazi olubalulekile olungathonya amandla akho okuthola imalimboleko, amakhadi esikweletu kanye ezinye izinsizakalo ezezimali.

1. Isethulo ku-Credit Bureau kanye nokubaluleka kwayo kwezezimali

I-Credit Bureau iyisikhungo sezezimali esiqoqa ulwazi oluhlobene nemilando yezikweletu kanye nokukhokhelwa kwezimali kwabantu nezinkampani. Ukubaluleka kwayo kusekutheni ihlinzeka ababolekisi ngokuhlolwa okuningiliziwe kwengozi yekhredithi yomuntu ngamunye noma yebhizinisi, okubasiza ukuthi benze izinqumo ezinolwazi lapho benikeza isikweletu. Ngokufanayo, I-Credit Bureau ivumela abasebenzisi ukuthi bazi futhi baphathe umlando wabo wezikweletu, okungaba usizo kakhulu lapho becela imalimboleko noma benza imisebenzi yezezimali.

Kokubili amakhredithi amanje nawomlando abhalwa ku-Credit Bureau, kanye nezibopho ezigcwalisiwe noma ezingagcwaliswanga. Lolu lwazi lusetshenziselwa ukubala amaphuzu esikweletu, aziwa ngokuthi amaphuzu, abonisa izinga lobungozi lomuntu ngamunye noma inkampani. Ukwengeza, i-Credit Bureau iphinda irekhode noma yimiphi imibuzo eyenziwa abantu bangaphandle mayelana nomlando wesikweletu. womuntu, okungase kuthinte isikolo sakho.

Kubalulekile ukuthi abantu nezinkampani bazi ngolwazi i-Credit Bureau enalo ngabo, njengoba lokhu kungase kube nomthelela ekhonweni labo lokuthola isikweletu esikhathini esizayo. Ngakho-ke, kuhle ukuthi ngezikhathi ezithile ubuyekeze umlando wakho wesikweletu futhi uqinisekise ukuthi awekho amaphutha noma ulwazi oluphelelwe yisikhathi olungase lube nomthelela omubi kumaphuzu akho esikweletu. Uma kutholakala iphutha, kungenziwa izinqubo ezidingekayo ukuze kulungiswe futhi ngaleyo ndlela kuthuthukiswe amathuba okuthola imali ebolekiwe ngezimo ezivumayo.

2. Iyini i-Credit Bureau futhi iwuthinta kanjani umlando wami wezikweletu?

I-Credit Bureau iyisikhungo esiphethe ukuqoqa nokuphatha imininingwane yabantu yezikweletu. Inhloso yayo eyinhloko ukunikeza izinhlangano zezezimali nezentengiso umbiko onemininingwane ngomlando wezikweletu wabenzi bezicelo, ukuze kuhlolwe amandla abo okukhokha kanye nobungozi besikweletu. Lolu lwazi lusetshenziswa ababolekisi ukwenza izinqumo ezinolwazi lapho benikeza isikweletu.

I-Credit Bureau iqoqa ulwazi emithonjeni eyahlukene, njengezikhungo zezezimali, izinkampani zezokuxhumana kanye namabhizinisi. Phakathi kwedatha eqoqwe yilezi: amakhredithi amanje, umlando wokukhokha, ukuziphatha kwezikweletu, izikweletu nemalimboleko, phakathi kokunye. Lolu lwazi lusetshenziselwa ukubala amaphuzu esikweletu somuntu ngamunye, aziwa ngokuthi Isikolo Sesikweletu.

Umlando wezikweletu namaphuzu esikweletu akhiqizwe ku-Credit Bureau kunomthelela omkhulu ezimpilweni zabantu zezezimali. Umlando omuhle wezikweletu, nokukhokha ngesikhathi nangemfanelo, kungavula iminyango yamathuba angcono esikweletu kanye nezimo ezivumayo. Ngakolunye uhlangothi, umlando ongemuhle, onokungakhokhi noma izikweletu ezinqwabelene, ungenza kube nzima ukuthola isikweletu futhi ukhiqize izindleko zezimali eziphakeme.

3. Izinyathelo zokuqala zokufinyelela Ihhovisi lami Lezikweletu

Ukuze ufinyelele I-Credit Bureau yakho futhi wazi umlando wakho wesikweletu, kubalulekile ukulandela izinyathelo ezilula. Nansi indlela yokwenza:

• Faka iwebhusayithi esemthethweni ye-Credit Bureau.
• Bheka inketho ethi "Bhalisa" noma "Dala i-akhawunti" ekhasini eliyinhloko.
• Gcwalisa ifomu lokubhalisa ngolwazi lwakho lomuntu siqu, njengegama eliphelele, usuku lokuzalwa, ikheli kanye nenombolo kamazisi.
• Khetha igama lomsebenzisi nephasiwedi eqinile ukuze ufinyelele i-akhawunti yakho. Qiniseka ukuthi iphasiwedi yakho iqukethe inhlanganisela yezinhlamvu, izinombolo, nezimpawu.
• Yamukela imigomo nemibandela bese uqedela inqubo yokubhalisa.
• Uma usubhalisiwe, ungangena kwi-Credit Bureau usebenzisa igama lakho lomsebenzisi nephasiwedi.

Khumbula ukuthi kubaluleke kakhulu ukugcina ubumfihlo bedatha yakho yomuntu siqu futhi ungabelani ngolwazi lwakho lokufinyelela nabantu besithathu. Ngaphezu kwalokho, sincoma ukuthi ubuyekeze umlando wakho wesikweletu njalo ukuze uqinisekise ukuthi idatha ilungile futhi akukho okungahambi kahle okungathinta umlando wakho wesikweletu.

Uma unobunzima ngesikhathi sokubhalisa, ungaxhumana nethimba labasekeli be-Credit Bureau ukuze uthole usizo futhi uxazulule noma yiziphi izinkinga ongahlangabezana nazo. Ukufinyelela ku-Credit Bureau yakho kuzokuvumela ukuthi uthole ulwazi olubalulekile mayelana nomlando wakho wezikweletu futhi kuzokusiza wenze izinqumo ezinolwazi ngezezimali esikhathini esizayo.

4. Ukubhaliswa ku-inthanethi: Uyenza kanjani i-akhawunti futhi ufinyelele Ihhovisi lami lezikweletu

Ukubhalisa ku-inthanethi ukuze uthole i-Credit Bureau yakho yinqubo elula ezokuvumela ukuthi wazi futhi ugade umlando wakho wesikweletu. Okulandelayo, sizokukhombisa izinyathelo ezidingekayo ukudala i-akhawunti futhi ufinyelele lolu lwazi olubalulekile.

1. Faka iwebhusayithi Isikhulu se-Credit Bureau bese ukhetha inketho ethi "Bhalisa". Qiniseka ukuthi unenombolo yakho kamazisi kanye nenombolo yokuphepha yomphakathi esandleni, njengoba izodingeka phakathi nenqubo.

2. Gcwalisa ifomu lokubhalisa nalo lonke ulwazi lomuntu siqu oluceliwe. Kubalulekile ukuhlinzeka ngedatha enembile nesesikhathini samanje, njengoba izosetshenziswa ukuze kuqinisekiswe ubuwena. Khumbula ukuthi le nkundla iqinisekisa ukugcinwa kuyimfihlo nokuvikeleka kwedatha yakho.

5. Ukuqinisekiswa kobunikazi: Izinyathelo zokuqinisekisa ubumfihlo nokuvikeleka kolwazi lwami

Ukuqinisekisa ubuwena kuyinqubo ebalulekile yokuvikela ubumfihlo nokuvikeleka kolwazi lwethu emhlabeni idijithali. Nazi izinyathelo ezimbalwa ongazithatha ukuze uqinisekise ukuthi idatha yakho isezandleni ezinhle:

• Sebenzisa amaphasiwedi aqinile: Qiniseka ukuthi usebenzisa amagama ayimfihlo ahlukile nayinkimbinkimbi ku-akhawunti yakho ngayinye. Gwema ukusebenzisa ulwazi lomuntu siqu oluqagelwa kalula njengamagama, izinsuku zokuzalwa, noma izinombolo zocingo. Cabangela ukusebenzisa isiphathi sephasiwedi ukuze ugcine okhiye bakho bephephile.
• Nika amandla ukuqinisekiswa kwezinyathelo ezimbili: Lesi sinyathelo sokuvikela esengeziwe sizokusiza ukuthi uthuthuke uvikele ama-akhawunti akho abalulekile. Ukuqinisekisa okuyizinyathelo ezimbili kuzodinga ukuthi ufake ikhodi yokuqinisekisa eyengeziwe, ngokuvamile ethunyelwa kumakhalekhukhwini wakho, ngemva kokufaka iphasiwedi yakho.
• Buyekeza izinhlelo zakho zokusebenza namasistimu: Gcina eyakho izinhlelo zokusebenza, izinhlelo zokusebenza ezibuyekeziwe kanye namadivayisi kubalulekile ukuze kuqinisekiswe ukuthi avikelekile ezingozini zakamuva ezaziwayo. Yenza kusebenze izibuyekezo ezizenzakalelayo ukuze wenze le nqubo futhi uqinise ukuphepha kwakho.

Ungabukeli phansi ukubaluleka kwalezi zinyathelo ezilula kodwa ezisebenzayo zokuvikela ubuwena kanye nedatha yomuntu siqu. Ngokulandela lezi zincomo uzobe uthatha izinyathelo ezibalulekile zokuvikela ulwazi lwakho ku-inthanethi. Khumbula lokho ukuphepha kwe-inthanethi Kungumthwalo wemfanelo wawo wonke umuntu.

6. Uyini umehluko phakathi kwe-Credit Bureau yamahhala nekhokhelwayo?

I-Credit Bureau yibhizinisi eliphethe ukuqoqa nokuhlinzeka ngolwazi lwezikweletu lwabantu ngabanye nezinkampani e-Mexico. Kunezinketho ezimbili ezitholakalayo zokufinyelela izinsiza ze-Credit Bureau: i-free bureau kanye nehhovisi elikhokhelwayo. Uyini umehluko phakathi kwakho kokubili?

I-Credit Bureau yamahhala inikeza ukufinyelela enanini elithile lolwazi oluyisisekelo olumayelana nemikhuba yomuntu yezikweletu. Ngale sevisi, kungenzeka ukuthola umbiko wesikweletu ohlanganisa idatha efana nomlando wokukhokha, ama-akhawunti avuliwe, amakhredithi amanje, phakathi kokunye. Kodwa-ke, le nketho ayinikezi ukuhlaziya okwengeziwe noma inikeze amaphuzu esikweletu noma izilinganiso.

Ngakolunye uhlangothi, i-Credit Bureau ekhokhelwayo inikezela ngezinsizakalo nezinzuzo eziningi. Ngenkokhelo, ungafinyelela ulwazi oluningiliziwe, olufana nezikolo zezikweletu nezilinganiso, ukuhlaziya ubungozi, ukuqapha izikweletu, ukukhwabanisa nezixwayiso zokwebiwa komazisi, phakathi kokunye. Ukwengeza, lolu hlobo lwe-bureau luhlinzeka ngamathuluzi engeziwe nezinsiza zokusiza ekuphatheni ezezimali zomuntu siqu futhi uthuthukise umlando wezikweletu.

7. Ungawuhumusha kanjani umbiko wami wesikweletu: Izinto ezibalulekile okufanele zicatshangelwe

Uma kuziwa ekuqondeni umbiko wakho wesikweletu, kubalulekile ukunaka izici ezibalulekile ukuze uthole umbono ocacile womlando wakho wesikweletu. Ngezansi sikunikeza umhlahlandlela Igxathu emvakwe gxathu mayelana nendlela yokutolika kahle umbiko wakho nokuthi yiziphi izici ezifanele kakhulu.

1. Ulwazi lomuntu siqu: Lesi sigaba sihlanganisa igama lakho, ikheli, inombolo Ukuphepha komphakathi kanye nosuku lokuzalwa. Sicela uhlole lolu lwazi ngokucophelela ukuze wenze isiqiniseko sokuthi lulungile, njengoba noma imaphi amaphutha angase athinte kabi isikolo sakho sekhredithi.

2. Umlando wokukhokha: Lesi sigaba sibonisa umlando wakho wokukhokha, okuhlanganisa nezinsuku zamanqamu nokuthi izinkokhelo zenziwe ngesikhathi. Naka izinkokhelo eziphuzile noma ezigejiwe, njengoba zingaba nomthelela omubi esikweletu sakho.

8. Ukuhlonza nokulungisa amaphutha emlandweni wami wesikweletu

Ukuhlonza nokuxazulula amaphutha emlandweni wethu wesikweletu kubalulekile ukuze sigcine iphrofayela enhle yezezimali. Ngezansi kunezinyathelo ongazilandela ukuze uxazulule noma yiziphi izinkinga ongahlangabezana nazo:

Isinyathelo 1: Thola ikhophi yamahhala yombiko wakho wesikweletu. Ungayicela ngama-ejensi wezikweletu afana ne-Equifax, i-Experian noma i-TransUnion. Buyekeza umbiko ngokucophelela ukuze ubone noma imaphi amaphutha emlandweni wakho wesikweletu.

Isinyathelo 2: Kutholwe amaphutha edokhumenti. Yenza uhlu olunemininingwane yawo wonke amaphutha owathola embikweni wakho wesikweletu. Lokhu kungase kuhlanganise ulwazi olungalungile mayelana nama-akhawunti akho, ukubambezeleka kwezinkokhelo ezingarekhodwa, noma ama-akhawunti okungewona awakho. Qiniseka ukuthi ufaka noma yibuphi ubufakazi obusekela isimangalo sakho, njengezitatimende ze-akhawunti noma amarisidi okukhokha.

Isinyathelo 3: Xhumana ne-ejensi yezikweletu kanye nombolekisi. Thumela incwadi yengxabano enkampanini yezikweletu, ebonisa ngokucacile amaphutha atholiwe futhi unamathisele amadokhumenti asekelayo. Kufanele futhi uxhumane nomkweletu ohilelekile ngokuqondile, unikeze ulwazi olufanayo futhi ucele ukuthi alungise iphutha kumarekhodi akhe. Gcina amakhophi akho konke ukuxhumana okwenziwe.

9. Inqubo yokuphikisa ulwazi olungalungile kwi-Credit Bureau yami

10. Ungawuthuthukisa kanjani umlando wami wesikweletu: Amasu nezincomo

Ukuthuthukisa umlando wakho wezikweletu kungaba inqubo edinga isikhathi nomzamo, kodwa ngamasu alungile nezincomo, ungakwazi ukukufeza. Nazi ezinye izenzo ongazithatha ukuze uqale ukuthuthukisa irekhodi lakho:

• Khokha izikweletu zakho ngesikhathi: Ukukhokha izikweletu zakho ngesikhathi kuyisihluthulelo sokuthuthukisa umlando wakho wezikweletu. Setha izikhumbuzi noma usethe izinkokhelo ezizenzakalelayo ukuze uqiniseke ukuthi awuphuthelwa yinoma yiziphi izinsuku zamanqamu.
• Yehlisa isikweletu sakho: Uma unezikweletu eziningi, beka phambili lezo ezinenzalo ephakeme futhi usebenzele ukuzikhokhela kuqala. Cabangela izinketho ezinjengokuqinisa izikweletu noma ukuxoxisana ngezivumelwano zokukhokha nabakweletwayo ukuze wenze inqubo ibe lula.
• Gcina ukusetshenziswa kwakho kwekhredithi kuphansi: Ukusebenzisa umkhawulo wakho wesikweletu omningi kungaba nomthelela omubi kumlando wakho wesikweletu. Zama ukugcina ukusetshenziswa kwakho kwekhredithi kungaphansi kuka-30% ukuze uthuthukise iphrofayela yakho yekhredithi.

11. Ukuqapha ngezikhathi ezithile kwe-Credit Bureau yami: Yikuphi ukuphindaphinda okunconywayo?

Ukuqapha ngezikhathi ezithile I-Credit Bureau kuwumkhuba onconywa kakhulu ukugcina ukulawula umlando wakho wesikweletu. Lokhu kuzokuvumela ukuthi ubone amaphutha okungenzeka embikweni wakho, uhlonze noma yimuphi umsebenzi osolisayo noma wokukhwabanisa futhi ube nokuqonda kangcono isimo sakho sezezimali. Futhi, ukuqapha okuvamile kungakusiza uthuthukise isikolo sakho futhi kwandise namathuba akho okuthola isikweletu ngokuzayo.

Izikhathi ezinconyiwe zokuqapha I-Credit Bureau yakho ziyahlukahluka kuye ngezidingo zakho kanye nesimo sezezimali. Nokho, kuphakanyiswa ukuthi ukwenze okungenani kanye ngonyaka. Lokhu kuzokunikeza isifinyezo somlando wakho futhi kukuvumele ukuthi ubone noma yikuphi ukungezwani noma amaphutha. Uma uke wabhekana nezimo ezithinta isikweletu sakho, njengokufaka isicelo sokubolekwa imali noma ikhadi lesikweletu, kutuswa ukuthi usiqaphe njalo ngemva kwezinyanga ezintathu ukuze uthole noma yiziphi izinguquko noma okungase kube nokungahambi kahle.

Kunamathuluzi ahlukene atholakalayo okuqapha Ihhovisi lakho Lezikweletu, njengezinsizakalo ze-inthanethi noma izinhlelo zokusebenza zeselula. Lezi zinkundla zikunikeza ukufinyelela kumlando wakho wesikweletu, izexwayiso zezinguquko embikweni wakho, nezikolo ezibuyekeziwe zekhredithi. Ngaphezu kwalokho, bakunikeza amathiphu nezincomo zokuthuthukisa isikolo sakho sesikweletu. Kubalulekile ukusebenzisa lawa mathuluzi njalo futhi ubuyekeze ngokucophelela umbiko wakho wesikweletu ukuze uqiniseke ukuthi lonke ulwazi lunembile futhi luhambisana nesikhathi.

12. Izici ezibalulekile okufanele zicatshangelwe lapho ufaka isicelo sesikweletu noma semalimboleko

Lapho ufaka isicelo sesikweletu noma imalimboleko, kunezici ezimbalwa ezibalulekile okufanele uzicabangele ukuze wenze isinqumo unolwazi futhi ugweme izinkinga zezezimali zesikhathi eside. Nawa amanye amathiphu abalulekile:

1. Hlola ikhono lakho lokukhokha:

Ngaphambi kokufaka isicelo semalimboleko, kubalulekile ukuthi uhlaziye ikhono lakho lokuyikhokha. Bala iholo lakho lanyanga zonke futhi uliqhathanise nezindleko zakho ezigxilile neziguquguqukayo. Qiniseka ukuthi ungakwazi ukuhlangabezana nezitolimende zokukhokha ngaphandle kokuphazamisa ukuzinza kwakho kwezezimali. Futhi cabangela izimo ezingalindelekile futhi umise imajini yokuphepha.

2. Qhathanisa phakathi kwezinketho ezahlukene:

Ungazibekeli kunketho yokuqala oyitholayo. Yenza ucwaningo olunzulu futhi uqhathanise izikweletu ezinikezwa izikhungo zezezimali ezihlukahlukene. Bheka izinga lenzalo, imigomo yokukhokha, izidingo kanye nemibono yamanye amakhasimende. Khumbula ukuthi ukunikezwa ngakunye kungahluka, ngakho-ke thatha isikhathi sokukhethela inketho engcono kakhulu.

Okuqukethwe okukhethekile - Chofoza Lapha  Ungazi kanjani ukuthi inombolo yocingo kabani ebhaliswe kuyo

3. Funda futhi uqonde inkontileka:

Ngaphambi kokusayina noma iyiphi inkontileka, kubalulekile ukuthi ufunde yonke imigomo nemibandela ngokucophelela. Qiniseka ukuthi uyaliqonda inani lemali ebolekiwe, inzalo, izinkokhelo, izinhlawulo zokukhokha sekwephuzile, kanye nanoma yimiphi eminye imininingwane efanele. Uma unemibuzo, ungangabazi ukuthintana nochwepheshe noma ubuze umbolekisi ukuze akucacisele. Ungalokothi usayine into ongayiqondi ngokugcwele.

13. Yini okufanele yenziwe uma kwenzeka ukwebiwa kwezazisi noma ukukhwabanisa kwezikweletu?

Uma usola ukuthi uke waba yisisulu sokuntshontshwa kobunikazi noma ukukhwabanisa kwezikweletu, kubalulekile ukuthatha izinyathelo ezisheshayo ukuze uvikele idatha yakho yomuntu siqu futhi unciphise umonakalo wezezimali. Nazi ezinye izinyathelo ongazilandela ukuze uxazulule le nkinga:

Isinyathelo 1: Thinta iziphathimandla bese ubika isigameko:

Uma kwenzeka ukwebiwa komazisi, kufanele uthinte amaphoyisa endawo ngokushesha bese uthumela umbiko. Nikeza yonke imininingwane efanele mayelana nesigameko nanoma ibuphi ubufakazi obuqoqile. Ukwengeza, kubalulekile ukuthi wazise isikhungo sezimali esithintekayo mayelana nokukhwabanisa kwesikweletu ukuze sithathe izinyathelo zokuvikela i-akhawunti yakho futhi simise noma yimuphi umsebenzi osolisayo.

Isinyathelo sesi-2: Buyekeza umbiko wakho wesikweletu futhi wenze ukuqapha njalo:

Kubalulekile ukuthola ikhophi yombiko wakho wesikweletu futhi uwubuyekeze kahle ukuze uthole ama-akhawunti angagunyaziwe noma umsebenzi osolisayo. Ungathola umbiko wamahhala minyaka yonke kuma-credit bureaus amakhulu. Ukwengeza, cabanga ukubhalisela isevisi yokuqapha isikweletu, ezokwazisa nganoma yiziphi izinguquko noma umsebenzi ongajwayelekile emlandweni wakho wesikweletu. Lokhu kuzokuvumela ukuthi uthole ngokushesha noma yimiphi imizamo yokukhwabanisa eyengeziwe futhi uthathe isinyathelo ngokushesha.

Isinyathelo sesi-3: Yazisa izikhungo zezezimali futhi usungule izinyathelo zokuphepha ezengeziwe:

Xhumana nazo zonke izikhungo zezezimali onama-akhawunti kuzo futhi uzazise ngesigameko sokwebiwa komazisi. Lokhu kuhlanganisa amabhange, amakhadi esikweletu, izinkampani ezibolekisa ngemali kanye nabanye abahlinzeki bezinsizakalo zezezimali. Buza mayelana nezinyathelo ezengeziwe zokuphepha ongazisebenzisa, njengokushintsha amagama ayimfihlo, ukusetha i-PIN eyengeziwe, noma ukunika amandla ukuqinisekisa izici ezimbili. Ukwengeza, gcina irekhodi elinemininingwane yakho konke ukuxhumana, okuhlanganisa izinsuku, izikhathi, namagama abantu okhulume nabo.

14. Imibuzo evame ukubuzwa mayelana nokuthintana ne-Credit Bureau yami

Lapho uthintana ne-Credit Bureau, kuvamile ukuba nokungabaza okuthile mayelana nenqubo, imininingwane eveziwe kanye nendlela yokuyihumusha. Ngezansi, uzothola imibuzo evame ukubuzwa ezokusiza ukuthi ucacise imibuzo evame kakhulu ehlobene nokuhlola umbiko wakho wesikweletu.

1. Ngingayibheka kanjani i-Credit Bureau yami?

Ukuze uxhumane ne-Credit Bureau, kufanele ulandele lezi zinyathelo:

• 1. Finyelela kusizindalwazi esisemthethweni se-Credit Bureau.
• 2. Bhalisa ohlelweni ngolwazi lwakho lomuntu siqu.
• 3. Qinisekisa ubuwena ngokunikeza imibhalo edingekayo.
• 4. Khetha uhlobo lombiko wesikweletu ofuna ukuwuthola.
• 5. Qedela inqubo yokuqinisekisa futhi uqinisekise isicelo sakho.
• 6. Uzothola umbiko wakho wesikweletu ku-imeyili ebhalisiwe.

2. Yiluphi ulwazi engingaluthola kuBhizinisi yami Yezikweletu?

Umbiko wakho wesikweletu uqukethe ulwazi oluhlukahlukene, okuhlanganisa:

• • Umlando wakho wokukhokha, ohlanganisa amakhredithi, imalimboleko namakhadi esikweletu.
• • Imininingwane yama-akhawunti akho namabhalansi.
• • Ulwazi nganoma yisiphi isikweletu esidlulelwe yisikhathi noma imalimboleko.
• • Imibuzo eyenziwe izikhungo ezicele umbiko wakho.
• • Ulwazi mayelana nokuziphatha kwakho kokukhokha, njengokukhokha sekwephuzile noma ukukhokha ngesikhathi.

Kubalulekile ukubuyekeza lolu lwazi ngokuningiliziwe ukuze kutholwe amaphutha okungenzeka noma ukungahambisani.

3. Ungawuhumusha kanjani umbiko wami wesikweletu?

Ukuhumusha umbiko wakho wesikweletu kungase kudide ekuqaleni, kodwa kubalulekile ukuwuqonda ukuze uthole isithombe esicacile somlando wakho wesikweletu. Lapha sikushiyela amathiphu:

• • Bheka amabhalansi e-akhawunti yakho ukuze uqiniseke ukuthi ayahambisana namarekhodi akho.
• • Buyekeza amadethi amanqamu nezinkokhelo ezenziwe ukuze kutholwe amaphutha okungenzeka emlandweni wokukhokha.
• • Hlola ukuthi amakhredithi akho noma imalimboleko yakho sekwephuzile yini futhi uthathe izinyathelo zokwenza ukukhokha kwakho kube ngokujwayelekile.
• • Hlaziya inani lemibuzo embikweni wakho wesikweletu, njengoba inombolo ephezulu yayo ingaba nomthelela omubi kumphumela wakho wesikweletu.

Uma uthola amaphutha noma ukungqubuzana embikweni wakho wezikweletu, kutuswa ukuthi uxhumane ne-Credit Bureau ukuze uxazulule noma yiziphi izinkinga.

Khumbula ukuthi ukuhlola njalo i-credit bureau kuwumkhuba obalulekile ukugcina ukulawula okwanele kwezezimali. Ukwazi umlando wakho wezikweletu kukuvumela ukuthi uhlole umthamo wesikweletu sakho futhi wenze izinqumo zezezimali unolwazi. Kuso sonke lesi sihloko, sigcizelele ukubaluleka kokuqonda ukuthi ungayibuka kanjani i-credit bureau kanye nezinyathelo ezidingekayo zokufinyelela lolu lwazi olubalulekile. Ngokulandela le miyalo yobuchwepheshe, uzobe usendleleni yokuhlola nokuphatha isimo sakho sekhredithi. ngempumelelo. Khumbula ukuthi ukugcina umlando omuhle wezikweletu kubalulekile ukuze ufinyelele izikweletu nezinsizakalo zezezimali esikhathini esizayo. Ungangabazi ukuthatha izinyathelo zokuqinisekisa inhlalakahle yakho yezezimali futhi usebenzise amathuluzi atholakalayo ukuhlola i-credit bureau yakho njalo.