Mharidzo yako yekwereti ine ruzivo pamusoro pako, zvikwereti zvako, uye maitiro ako okubhadhara. Inobatanidzwa munharaunda yaunogara, rudzi rwemotokari iwe unotyaira, mari yaunobhadhara inofarira, motokari yako yveshuwarisi . Uye izvozvo ndezvishoma zvekuti nzira yako yechikwata chekwereti inoshandiswa sei. Kunyange zvazvo chikwereti chikwereti chiri nebasa, kana kuti ropafadzo zvichienderana nekutarisa kwaunoita sei, yekuchengetedza mharidzo yako yekwereti, iwe une dzimwe kodzero dzekudzivirira kubva pamabasa asina kururama. Kuziva kodzero idzi kunogona kukubatsira kuti uone chokwadi chakarurama chakanyorwa pamushumo wekwereti yako.
01 Unogona kuona chikwereti chekwereti.
Kamwe pane imwe nguva, zvikwereti zvekwereti zvainge zvisingakwanisi kugadziriswa nevatengi - hauna kukwanisa kuona kunyange vatengi vemashoko vaishandiswa kuita sarudzo pamusoro pako. Nenzira yakanaka, mutemo ikozvino unopa vatengi kodzero yekuona zvikwereti zvemari. Mutemo hausi wekukwereta kune zvikwereti, asi mamwe marudzi emitemo yevatengi izvo mabhizimusi anoshandisa pakugadzirisa maitiro ako.
02 Unogona kuziva kuti ndiani akawana chikwereti chako chekwereti.
Kana mumwe munhu akawana chikwereti chako chekwereti, zita ravo richave rakarongerwa muchikamu che "Inquiries" chemukwereti wako wechikwereti. Kunze kwekuti iwe unyoresa muchikwereti chekuona , iwe haugoni kuwana chiziviso chekutsvaga kuti chikwata chako chekwereti chabudiswa. Pane kudaro, iwe unofanira kutora kopi yakangodarika yemuongorori wako wekwereti kuti udzidze kuti ndiani waiona.
03 Une kodzero yekupa gwaro rebhadharo gore rega rega.
Muna 2003, Fair and Accurate Credit Transactions Act yakapa vose vese kodzero yegore rega rega rekwereti yekwereti kubva kune imwe kambani inotarisira zvikwereti zvekwereti.
Iwe unogona kuraira mari yako yegore yekwereti yepachena kubva kune imwe huru huru yemari yechikwereti - Equifax, Experian, uye TransUnion, kuburikidza nehuwandu hwewebsite, AnnualCreditReport.com. Iyi ndiyo chete nzvimbo yekutora hurumende yako-yakapiwa mushumo wekwereti wegore negore saka chenjerera nevanyengeri vemawebsite. Zvimwe "zvekusununguka" zvikwereti zvekwereti zvinogona kuuya pamutengo, kunyanya kana nzvimbo yacho ichikumbira nhamba yekadhi rechikwereti.
04 Unogona kuwana ripoti yemari yechikwereti mune mamwe mamiriro mashoma, zvakare.
Pasi pe FCRA, iwe unofanirwawo kubhadhara chikwereti chekwereti kana usina kubhadharwa kune chigadzirwa kana basa rinobva kune rumwe ruzivo mubhuku rako rekwereti (unofanira kukumbira mushumo uyu mukati mememazuva makumi matanhatu), hausi kushanda uye unoronga kutsvaga basa nokukurumidza, iwe unogamuchira hurumende kana rubatsiro rwehurumende, kana iwe wakamborwirwa utsotsi kana kubatwa kweunhu.
Mune mamiriro ezvinhu aya, iwe unongogamuchira kopi yekusununguka yemutero wechikwereti yakashandiswa mune imwe chikonzero chechikwereti.
05 Unofanirwa kuudzwa kana chikwereti chako chekwereti chinoshandiswa kupikisana newe.
Kana iwe ukakumbira chikwereti-based product kana basa uye iwe wakakanganiswa nekuda kwemashoko ari muhupoti yako yemari, bhizimisi rinofanira kukuzivisa iwe chikonzero (s) iwe wakarambwa , sekungewo mazhinji akawanda maitiro ekupedzisira echikwereti. Iwe unokodzero yekupa kopi yemukana wechikwereti chekwereti inoshandiswa muchisarudzo, asi unofanirwa kukumbira kopi iyo nekunyora mumazuva makumi matanhatu.
06 Une kodzero yekupikisa mashoko asina kururama.
Kana iwe ukawana ruzivo rwakakwana kana rusina kukwana mubhuku rako rekwereti, unogona kukakavadzana nekodhi bureau. Chikwereti chekwereti zvinodiwa kuti uongorore nharo yako nebhizimisi iyo yakapa ruzivo. Mushure mekutsvakurudza, mabhizimisi emarikodhi anofanira kugadzirisa chikwereti chako chekwereti kana mashoko acho asina kururama kana asingagoni kuiswa pachena. Iwe unogonawo kukakavara zvakananga nemunhu ane chikwereti kana bhizinesi uyo akawedzera chikanganiso kune repoti rako rechikwereti.
07 Une kodzero yekupa mukana wechikwereti panguva yakakodzera.
Zvimwe ruzivo rwakashata runogona kungosimbiswa pamushumo wekwereti yako kwenguva yakati . Nokuda kwenhoroondo dzakaipa dzakawanda, nguva iyo nguva ndiyo makore manomwe. Asi, kukanganisa kunogona kugara pane yako chikwereti mhizha kwemakore gumi zvichienderana nerudzi rwekudarika iwe iwe. Kana ruzivo rwakashata rukaramba ruri pamushumo wako wekwereti mushure mekukwanisa nguva, iwe unogona kushandisa chikwereti chekwereti mhirizhonga kuti uibvise.
08 Unogona kuona chikwereti chechikwereti chinoenderana neshumo yako yemari.
Chikwereti chako chikoro chakavakirwa chete pamashoko ari mupoti rekwereti yako. Kunyange iwe usingakwanisi kuwana chikwereti chekubhadhara pasina chikwereti paunorayira gore rako gore rapera chikwereti chekwereti, iwe uchiri nekodzero yekukumbira kopi yemari yako chikwereti. Iwe unogona kutora chikwereti chako chikwereti kubva kuFICO kana mari yebhadhara mari, asi kune dzimwe nzira dzokuwana imwe yekusununguka , kufanana neKwereKarma.com.
09 Unogona kukanganisa zvipo zvinotariswa zvinoenderana nekwereti yako yechikwereti.
Kana mabhokisi ako emaresi ari nguva dzose akazara nekwereti yemarikiti, unogona kukanganisa chikwereti chako chekwereti. Kadhi kadikiti vanopa mari iko kushandisa kero yako yechikwereti kutumira zvinowanikwa iwe unogona kukodzera. Asi, iwe unogona kumira izvi nezvimwe zvinopiwa nekusarudza-kunze kwezvipo zvinotaridzirwa nekushanyira ku www.optoutprescreen.com kana kudana ku 1-888-5OPTOUT (1-888-567-8688). Iwe unogona nguva dzose kusarudza-inotevera kana ukasarudza iwe kutanga kutanga kugamuchira zvitsva zvakare, somuenzaniso, kuwana kechikwereti chekwereti iri nani kupinda iyo yaunayo.
10 Une kodzero yekupomera mabhizimisi anotyora kodzero idzi.
Kana chikwereti chechikwereti kana imwe bhizinesi ichiputsa kodzero dzako dzeCAFRA, unogona kukwidza muDare Repamusoro kusvika kusvika ku $ 1 000 kana kuparadza kwako chaiye. Unogonawo kunyunyutira ku Consumer Financial Protection Bureau, FTC uye yako State Attorney General apo mabhizimusi emari uye mamwe mabhizimisi anokundikana kutevedzera FCRA.