Bhuku reChinhu Chikwereta Chikwereti Chiripo chinotsanangura zvinokonzerwa nevamwe vatatu chikwereti chikwereti uye havabvumirwi kuita apo vari kuunganidza chikwereti kubva kwamuri. Kuziva kodzero dzako nevatokweretesi vokwereta kunogona kukuchengetedza misoro yakawanda uye kunyange kukuchengetedza kubva pakubhadhara chikwereti chausina mutemo.
01 Unogona kubvunza chikwereti mutora kuti arege kudana.
02 Unogona kukumbira muunganidzi kuti adane chete panguva dzakakodzera.
Mutemo unoti vatokari vateresi vanogona kungoshevedza pakati peawa 8 am ne9: 00 masikati Asi kana pane imwe nguva iyo isingakwanisi iwe, somuenzaniso musati mambakwedza gumi nemasere nokuti iwe unoshanda kushanduka kwekupedzisira, rega muteresi anokwanisa kuziva uye ivo akarambidzwa kukudana iwe panguva iyoyo.
03 Unogona kukumbira mukoti kuti aone chikwereti.
Nenguva mushure mekunge vatanga kukuonana iwe, chikwereti chikwereti chinodikanwa kukuzivisa iwe nezvekodzero yako yekupikisa kuvimbika kwechikwereti. Zvadaro, une mazuva makumi matatu ekutumira tsamba yekubhadhara chikwereti ichikumbira uchapupu hwokuti chikwereti chacho. Mushure mokugamuchira tsamba yenyu, muunganidzi anofanira kumira basa rekusunganidza kusvikira vatumira uchapupu.
04 Zvikamu zvisingatauri zvikamu zvinogona kupikiswa.
Iko Fair Credit Reporting Act inotaura kuti mashoko chete, akakwana, uye panguva yakajeka anogona kuonekwa pamushumo wekwereti. Tumira chikwata chemarikiti kukakavadzana kune zvikwereti zvekwereti kuti uwane maaka eakaunganidzwa ekuunganidza kubva kubhorodha yako yemari. Dzokorora pamwe nesangano rinounganidza kana kukakavadzana kwekredit bureau kusingabudiriri.
05 Une kodzero yekumira kuunganidza kukokwa kumabasa ako.
Vateresi vateresi havagone kukushevedza kubasa kana vachiziva kana vachifanira kuziva kuti haubvumirwi kugamuchira iyo mhando yekufonera kubasa. Ingoudza muunganidzi kuti arege kudana basa rako kana kutumira tsamba kana iwe uchida kuve nechikumbiro chako mukunyora.
06 Une kodzero yekuita zvepabonde pamusoro pemari yako.
Vateresi vateresi vanogona kutaurirana nevamwe vatatu-mapato kuti vawane ruzivo rwako rwekutumira kana vasingakwanisi kusvika kwamuri, asi vanogona kungosangana nevanhu ava kamwe chete. Vatori vazhinji havabvumirwi kutaurira ani zvake nezvechikwereti chako. Zvimwe ndeyemudzimai wenyu, gweta renyu kana mune imwe, uye mubereki wako kana muchengeti wemutemo kana uri pasi pemakore 18.
07 Muteresi anokwereta anokutsigira chokwadi.
Vateresi vateresi vanorambidzwa kupa ruzivo rwenhema. Havabvumirwi kuzvimiririra pachavo sevatongi kana masangano ehurumende kana ivo vasiri ivo, uye havagoni kukupomera mhosva yekuita chero mhosva ipi zvayo. Havabvumirwi kunyengera mapepa semafomu epamutemo kana mapepa haasi maitiro epamutemo kana ari chaizvoizvo.
08 Iwe haufaniri kubhadhara chimwe chinhu kupfuura zvaunokwereta.
Vatori vemabhiza havabvumirwi kubhadhara chikwereti chero chipi zvacho kana mari kunze kwekuti chibvumirano chokutanga kana nemutemo wehurumende chichibvumira. Iwe unogona kukakavhura mari yakaita seisinganzwisisiki
09 Unogona kusarudza zvikwereti kuti ubhadhara.
Kana iwe une chikwereti chimwe chete nechikwereti chikwereti, iwe unobvumirwa kusarudza chikwereti chipi iwe iwe unofanirwa kushandisa kwauri. Iyo FDCPA inorambidzawo mutengesi kubva kushandisa kubhadhara kune chikwereti chawakapikisana.
10 Unogona kudzivisa kubhadhara pane chikwereti chapera.
Murairo wekukundikana ndehuwandu hwenguva iyo muteresi anogona kukwidza iwe chikwereti. Nguva yakatarwa yakasiyana-siyana nehurumende uye nerudzi rwechikwereti. Iwe uchiri kukwereta chikwereti mushure mokunge mutemo wekugumira wapfuura, zvakadaro, une kodzero yekurega kubhadhara. Vatori vanogona kuunganidza pane chikwereti uye kunyange kuinyorera pamushumo wekwereti yako kana ichiri mukati memutengo wekuita chikwereti nguva .
11 Une kodzero yekupomera mutengesi anotyora kodzero dzako.
Iwe unogona kukwidza chikwereti mutora muhurumende kana mudare renyika. Iwe unogona kugamuchira zvakakuvadza zvakakosha, sekurasikirwa nemari, kusvika kusvika $ 1 000 mukurangwa kwechirango, uye kubhadharwa kwemari yako yepamutemo. Kana chikwereti chimwe chete chevatengesi chakakuvhundutsa iwe nevamwe vanoverengeka kune vamwe vatengi, unogona kugadzira mhaka yekutora chikoro uye unogamuchira kusvika ku $ 500 000 kana 1% yekodzero yemutengi.