Chii Chinoitika Kana Iwe Wanyora Macheki Akaipa?
Vanhu vazhinji vanoziva nemigumisiro yakajeka yekusvitsa cheki :
- Mitero: bhangi rako - uye ani zvake waakanyora cheki kune - angangodhura mari inodarika madhora 35 kana kuti kana chekiti ichidzorerwa. Kana iwe uri kubhadhara chimwe chinhu nezuva rakakodzera, iwe uchasanganawo ne "kubhadhara kwekubhadhara" mari (nezvimwe zvinetso zvinogona kubudawo saizvozvo).
- Chikoro chenhamba: chekuchechechedza hachikurumidza kukuvadza chikwereti chako , asi unoda kuti zvinhu zvigadziriswe uye uite kubhadhara kwako. Kana iwe ukatora nguva yakareba, wako mukwereti (kana iri hofisi yechiremba, mutengesi, kana mutunhu wemasitadhi) angatumira account yako kuhofisi yekuunganidza - uye ipapo chikwereti chako chichatambura.
- Kuvharwa kweAunti: mushure menguva yakawanda bounced checks, bhenji yako inogona kuvhara akaunti yako kuti kuderedza ngozi
Masoko Ekutadza
Vanhu vazhinji havazive kuti mune makambani akawanda ekubika mabhizimusi anotarisa basa rako rekuongorora chebhuku. Kana iwe uchienda pasi pasi zero muongororo yako yekuongorora kupfuura nguva nenguva, makambani aya anogona kukugadzirisa matambudziko. Zvizhinji zvemakambani aya anotungamirirwa pasi pe Fair Fair Reporting Act (FCRA), sekuita sangano guru rekubika zvikwereti .
Iyo miviri mikuru yekutengeserana inokonzera dambudziko ndeyi:
- Kupa cheki-kana iwe ukanyora cheki, asi inodzorerwa isina kubhadharwa apo mumwe munhu anoedza kuisa kana kutenga mari yekuongorora
- Mari dzisina kukwana - apo kupiwa mhosva kune akaunti yako (kusanganisira kuongorora iwe unyorera, uyewo kuwedzerwa kwemari yemagetsi) kunounza akaunti yako iri pasi pe zero
ChexSystems imwe yekambani dzinoona tsika yako yebhangi. ChexSystems inonyanya kushandiswa nemabhangi uye masangano emari ekubvunzurudza kana uchitarisa kana kuti kwete kuzarura kecheche yekuongorora iwe.
Hazvisi nyore kuva nevatengi nguva dzose vanowedzera kuongorora, mabanki akawanda anotsvaga kutsvaga kune vanotengesa vasati vatanga maakaunti. Mamwe makambani, akaita seTereCheck, Certegy, uye Early Warning Systems anopa mimwe mienzaniso yakafanana.
ChexSystems Chii
ChexSystems inochengeta zvinyorwa pamusoro pevanhu vane (imwe nzira kana imwe) vanoshandisa mari yakawanda kudarika yaive yakawanikwa mumabhuku avo ekucherechedza, pamwe chete nevaya vakaputsa dzimwe sangano rebhangi. Kana iwe wakabhadhara cheki munguva yakapfuura kana iwe unokwereta mari kubhangi, pane mukana wakaisvonaka wekuti uri muDhese yeSystems database.
Mabhandi nemakambani emakwereti anopa ruzivo pamusoro pekuita kwebhangi yako kune ChexSystems, uye mamwe mimwe mabhii anobatsirawo. Zvadaro, masangano emari anotenga mitsara kubva kuKexSystems kuti aone kana wakanga uine matambudziko kune mamwe mabhangi.
ChexSystems huru inoshuma inongova nemashoko asina kunaka . Mune mamwe mazwi, iwe wakangowana rekodhi mumushumo iwoyo kana iwe wakatora chekcheki kana kuti wakanga uine overdrafts mubhengi rako rebhangi. Kana pasina chinhu muKexSystems report yako, icho chinhu chakanaka-uye chakasiyana nemishumo yekwereti yekukwereta , izvo zviri nani kana iwe ukwanisa kuratidza nhoroondo yakasimba yekukwereta uye kubhadhara .
Nhoroondo dzisina kunaka dzinochengetedzwa ne ChexSystems kwemakore mashanu, kana kusvika bhanki kana chikwereti chekambani chakashuma dambudziko racho rinokumbira kuti ribvise.
Zvisinei, kuiswa kupi zvako kwakakanganisa kunogona kupikiswa (ivo vachabviswa kana iwe uchikwanisa kupa uchapupu hwakakwana hwekanganiso kana kubavha kwekuzivikanwa).
ChexSystems haisarudze kana kana iwe usingabvumirwi kuzarura kambani yebhangi. Mabhangi anoita sarudzo iyoyo zvichienderana nemitemo yavo - asi iwe uchava nehana yakanaka kana ChexSystems yako ichiti yakachena.
Kuwana Zvikoro uye Zvinyorwa
Sezvo nevese vebazi rekubika , ChexSystems inofanirwa kukupa kopi yepachena yepoti yako gore rega rega pasina. Kuti uwane mamwe mashoko pamusoro pekugadzira mushumo, shanyira ChexSystems website. ChexSystems inogadzirawo Consumer Score, iyo inoshandiswa kuedza uye inofanotaura maitiro ako emangwana. Iwe unogona zvakare kuronga chikamu chako, icho chinopiwa pachena sekunyorwa kwekunyorwa uku (asi makambani ekubika mabhizimusi anobvumirwa kubhadhara mari yezvikoro).
Chechipiri Chinga
Kana ChexSystems yako ichitaura ichiita kuti zvive zvakaoma kuzarura account, iwe uchada kuwana bhangi kana chikwereti chekwereti chinoda kushanda newe. Une maitiro akawanda.
Kwete kuongorora: kwete mabhanga ose anoshandisa ChexSystems inoshuma. Tsvaga imwe, uye havazokutsvaki kubva pane zviri mukati memashoko acho. Mabhangi maduku emunzvimbo uye zvikwereti zvemari zvikwereti ndiyo yakanakisisa kubheti
Ita zvakasiyana-siyana: dzimwe nguva zvinogona kuteterera nyaya yako - tsanangura zvakaitika neakaongorora maakaunti kare uye nei usingadi kuti zvimwe zvinhu zviitike mune ramangwana. Zvakare, mikana yako yakanakisisa nechechidiki.
Mikana yeChipiri: mamwe mabhangi, nemitemo, anofara kuzarura maakare evanhu vari pamatsetse ezvakaipa. Inozivikanwa se "nhoroondo dzechiitiko chechipiri," nhoroondo idzi dzinokupa rusununguko rukuru rwekushandisa, asi iwe unogona kunge unyoresa mari yekuisa mari, mari yekuchengetedza, uye uwane chikwereti. Nokufamba kwenguva iwe unogona kushanda nzira yako kubhengi yakakwana yebhangi.
Rega Bouncing Checks
Kuti udzivise zvinetso mune ramangwana, chengetedza kuchengetedzwa kwekuchengetedza kwemari muakaunti yako yekuongorora. Tanga kuenzanisa cheki rako nguva dzose, uye ona kana dzimwe nzira dzokubhadhara nadzo dzinoshanda chero zviri nani ( sebhadhiti yebhadharo , iyo icharambwa pakarepo kana usina mari yakakwana muakaunti yako).