Iwe unogona zvakare kuongorora chikwata chako chekwereti kuti uone kuti mashoko akabatanidzwa akarurama. Pasi pe Fair Fair Reporting Act , unogona kuva nezvikanganiso zvakabviswa nekuisa gwaro rakanyorerwa chikwereti chekwereti kune vekodhi bureau (s) anonyora mashoko asina kururama. Kana uchinge waisa mvumo yako yekwereti yekwereti, zvikwereti zvekwereti (s) uye bhizimisi kupa ruzivo kune mamwe matanho ekutevera.
Chikwereti Bureau Investigates
Chikwereti chekwereti chinofanira kubvunzurudza ruzivo rwemamwe nemabhuku zvakagamuchirwa kubva kwauri uye tsvaga nharo yako mukati memazuva makumi matatu ekugamuchira. Chikwereti chekwereti chinogona kuwana mamwe mazuva gumi nemashanu kana iwe uchitumira mamwe mashoko ane chokuita nenharo. Chikwereti chekwereti chinofanirwa kuzivisa bhizinesi iyo yakapa ruzivo - "mudziyo" - yemakakatanwa mukati memazuva mashanu ebhizimusi pakuigamuchira. Chikwereti chekwereti chinotofanirawo kupa ruzivo rwako rwekukakavadzana kumuridzi.
Mutapi Wenyaya Anotsvaga
Zvadaro, ruzivo rwehupfumi runofanira kuongororodza ruzivo rwakapiwa ne-credit bureau uye rinotsvaga kukakavadzana. Apo iyo midziyo yakazosvika pakuguma, inofanirwa kuudza zvikamu kune zvikwereti zvekwereti. Kana tsvakurudzo ichitsvaga kuchinja kune mvumo yako yekwereti, mupiro unofanirwa kubvumira zvitatu zvikwereti zvikwereti zvizive.
Migumisiro yeCredit Report Dispute
Kana chikwangwani chechikwereti chikawana kuti ruzivo rwawakapikisa haruna kururama kana husingazivikanwi, runodikanwa kururamisa ruzivo kana kuibvisa kubva kumushumo wekwereti yako. Chikwereti chekwereti chinofanirwawo kuzivisa mupiro kuti yakabviswa.
Nekubvumirwa kwako, chikwereti chekwereti chinogona kutumira mharidzo yako yeruzhinji yakarongeka kumunhu chero upi zvake akakumbira repoti yako yekwereti mumakore maviri apfuura, kana kune rimwe bhizinesi rakakumbira repoti yako yechikwereti mumwedzi mitanhatu yapfuura.
Chikwereti chekwereti chinogona kugumisa kupesana kwemhosva kana ichiona chikwereti chekwereti yemakakatanwa isinganzwisisiki. Kana izvi zvikaitika, chikwereti chekwereti chinofanira kukuzivisa iwe mukati memazuva mashanu ebhizinesi uye zvakare kukuudza zvaunofanira kuita kuti ugovhura kupopotedzana kwemakakatanwa.
Apo Nharo Isingaruramiswi
Kana chikwangwani chechikwereti chisina kugadzirisa ruzivo rwaunoziva kuti rwakarurama, iwe unewo kodzero yekupikisana zvakananga nebhizimisi yakaronga mashoko pamusoro pehupoti yako yemari. Nenzira iyi, unogona kudarika chikwereti chekwereti - iyo dzimwe nguva inoshandisa nzira yakazvigadzirisa kuti "vimbise" ruzivo pamusoro pehupoti yako yechikwereti - uye ivai nemugovera weruzivo kunyatsoongorora zvinyorwa zvavo.
Dzimwe nguva inotora chikwereti chekwereti yekodzero yako iko kukanganisa mune kombiyuta hurongwa hunoda kugadziriswa nemunhu. Kutanga nharo zvakananga nemunhu ane chikwereti kana mutengi anogona kukubatsira nekutora.
Kana iwe usingagutsikane nemigumisiro yekutsvakurudza, iwe une kodzero yekupa mutemo wemashoko zana kuti uwedzerwe kumupoti wako wekwereti. Kana iwe uchitenda kuti chikoro chekodhikopo chakakanganisa mutemo paunenge uchigadzirisa kukakavadzana kwako, unogona kutumira mhanho kuMudhidha weKutengesa Mari.
Iwe unogonawo kuva nekodzero yekupomera chikwereti chekriti iyo haigadziri kukanganisa zvikwereti zvekwereti. Taura nemuchengeti wemvumo yevatengi maererano nekodzero yako kuti uone kana une zvikonzero zvekupa mhosva pasi pe Fair Fair Reporting Act.