Kana iwe ukawana kukanganisa pamushumo wekwereti yako, Fair Credit Reporting Act inokupa kodzero yekujekesa kukanganisa uku nokukakavadzana nehofisi iyo yakapa ruzivo. Iwe unogona kukakavadza zvikwereti zvekwereti chekwereta kuburikidza nefoni, paIndaneti, kana nekutumira. Kugutsikana nemashumo kunokupa pepa nzira iyo ichauya yakanakisisa kana iwe uchida kuti uzobvunzurudza chikwereti chekwereti.
Kana kambani iyo inogamuchira nharo yako, inofanirwa kuongorora mhirizhonga yako uye kubvisa kukanganisa kubva kumurairo wako wekwereti kana yakagadzirirwa kuti ruzivo runopikisana harucakarurama.
Zvinosuruvarisa, nharo yekukakavadzana haiwanzoshanda nguva dzose, kunyange kana ruzivo rwawakakakavadzana iko kukanganisa kwechokwadi. Maererano nekuongorora kwakabudiswa neHerald Trade Commission munaJanuary 2015, 121 vezana 1001 vagovhenekeri vakawana mhirizhonga isingagadziriswa nekodhi bureau. Thirty-one per cent (31%) yevaya vane gakava risina kugadziriswa vakangobvuma chibvumirano chechikwereti uye vakagamuchira ruzivo rwepakutanga sezvakarurama. Zvisinei, pedyo ne70% yevaya vakatenda kuti nharo yakakakavadzana yakanga isina kururama.
Izvi zvisati zvaitika, FTC yakadzidza, muna 2012, Columbus Dispatch yakarongedza zvikwereti zvinokwana makumi matatu nezviviri zvemakorokari kune FTC uye 24 State Attorney General uye yakaona kuti zvinopfuura hafu kunyunyuta zvakabva kune vanhu vasingakwanisi kuwana zvikwereti zvekwereti kugadzirisa zvikanganiso zvavo, kunyange ane uchapupu uye apo zvikanganiso zvaiita sezviri pachena.
Hezvino iwe unogona kuita kana chikwereti chekwereti hachigadziri zvikanganiso zvako zvemarikiti yemarikiti kunyange mushure mekunge wakakavhiringidza.
Dzokai zvakare
Asi kupa mamwe mashoko matsva. Kana iwe uchiramba uchikakavhiringidza kukanganisa kumwe chete pasina kupa chero ruzivo rutsva, chikwereti chekwereti chinogona kugadzirisa kuti kukakavadzana kwako kunofadza. Nechemitemo, chikwereti chekwereti hachifanirwi kuongorora mhirizhonga chero ipi zvayo inogadzirisa inofadza. Zvisinei, kana chikwangwani chechikwereti chinogadzirisa kukakavadzana kwako kwakajeka, kunofanirwa kukuzivisa iwe kunyora mukati memazuva mashanu ebhizimisi, kupa zvikonzero zvechisarudzo chavo, uye kukuudza iwe kuti ndeupi ruzivo runodikanwa kuti uongorore ruzivo rwakakakavadzana.
Kurwisana nayo nebhizinesi rakapa ruzivo
Kakawanda, mari yechikwereti haigadziri kukanganisa nokuti mukwereti kana chikwereti mutengesi anopa ruzivo ane mhosho mukati mezvinyorwa zvavo. Iwe unogona kukakavhura ruzivo nemunhu ane chikwereti kana chikwereti chekukwereta icho chakapa ruzivo rwakashata kune zvikwereti zvekwereti uchishandisa nzira imwechete yemakakatanwa. Nenguva ino inodarika chikwereti chekwereti uye kutumira nharo yako uye uchapupu kune mupi wekupa ruzivo. Wedzerai nharo yenyu mukati mekambani - kune CEO kana iwe uchifanira - kana iwe usingagone kuwana mhinduro. Kana uyo akatora chikwereti achisimbisa kuti mashoko acho haana kururama, inofanirwa kugadzirisa chikwangwani chekwereti nemashoko akakodzera.
Kumanikidza
Iko kune nzvimbo dzakawanda iwe unogona kunyunyuta pamusoro pekusagadziriswa kwemakambani ekubhadhara chikwereti: nyika yako Gweta Guru, Federal Trade Commission, uye Consumer Financial Protection Bureau . Aya masangano haakwanisi kumanikidzira chikwereti chekwereti kana mukwereti kuti agadzirise pepa yako yega, asi hofisi yezvikwereti inogona kukurudzirwa kugadzirisa mushumo wako wekwereti mushure mekuziva kuti iwe wakadana mupfuti huru. Uye, mune zvikwangwani zvinokwana, masangano aya anogona kupa mhosva kumudzimai wekwereti kana kukwereta uye vanogona kutsvaga kuchinja kumutemo unozoita kuti zvive nyore kune vose vashandi kuwana mvumo yekukwereta zvikwereti kugadziriswa.
Sue credit bureau
Iwe une kodzero yekupomera chikwata chekwerekiti chinoputsa chero kodzero dzako pasi pe FCRA, kusanganisira kuramba uchitaura mashoko asina kururama. Muna 2013, mukadzi weOregon akakunda mamiriyoni 18,4 mamiriyoni eEquifax pavakakundikana kururamisa rapo yake yechikwereti mushure mokunge atumira nharo masere pamakore maviri. Chengetedza humwe uchapupu hwekukakavadzana kwako nekwerekiti chekwereti (uye nevatengi), mhinduro dzekwereti (uye yekwereti), uye manotsi epi zvese foni inokushevedzera iwe pamusoro pekukakavadzana. Bata gweta kana iwe uchitenda iwe une mhosva yakasimba nechechikwereti.
Siyana nazvo
Chero zvaunoda kuti mvumo yako yechikwereti ive yakarurama - uye iwe une kodzero yako yekuva nekodhipoti yemari yechikwereti - zvinotora nguva uye simba kuti urambe uchiendesa kukakavadzana. Kana kukanganisa kusina kukanganisa chikwereti chako, kwete kukukonzera kuti urege kubhadhara kadhi rechikwereti kana zvikwereti, kana zvakarongwa kuti zvive pasi pehupoti yako yechikwereti munguva pfupi, zvingasava zvakakodzera kuti uenderere mberi nekutsvaga kukanganisa.
Ramba uchitarisa chikwereti chako chekwereti pane zvikanganiso zvamangwana uye iva nechokwadi chekukakavadzana avo kana vakanyanyisa.