Chii chinonzi Credit Repair Organizations Act?
Bhuku reCredit Repair Organisation iri mutemo wezvematongerwo enyika unoiswa panzvimbo yekuchengetedza vatengi kubva kumakambani asina kukwana ekugadzirisa zvikwereti.
Mutemo unotarisirwa kuve nechokwadi chokuti vatengi vanosarudza kushandisa mari yekugadzirisa zvikwereti vanoziva kodzero dzavo uye vanogona kuita chisarudzo chavanoziva pamusoro pokusarudza kubhadhara kambani yekugadzirisa chikwereti.
Sangano rekugadzirisa zvikwereti chero munhu kana bhizinesi anotora mari mukutsinhanisa nekuvandudza chikwereti chako, asi haisi mabhizinesi, masangano asiri ezvo, uye makadhi ekukwereta.
Zvibvumirano pamakokori ekugadzirisa chikwereti
Hezvino zvinhu zvishomanana zvikwereti zvinokonzerwa nezvikwereti hazvigoni kuita zviri pasi pe CROA:
- Nhema kana kukukurudzira kuti ureve nhema pamusoro pekwereti yako yekwereti kune yako ikozvino kana kuti munguva yemberi
- Shandura unhu hwako, sega kuwana EIN itsva (Employer Identification Number) kana hutsva hutsva, kuedza kuwana mvumo mitsva yechikwereti
- Vanonyengera zvinoshandiswa nevanokupa
- Kumbira iwe kuti ubhadhara mazano asati apiwa
Mutemo unoda kuti sangano rikupei kudururwa kunonzi "Consumer Credit File Rights Under State uye Federal Law" iyo inokuita kuti uzive kodzero yako yekuwana chikwereti chekwereti uye kurwisana nenyaya isina kururama iwe pachako.
Iwewo une kodzero yekupomera sangano nekuputsa CROA.
Chikwereti chokugadzirisa kambani zvinoda
Pamberi pekambani yekugadzirisa chikwereti inogona kuita chero masangano mauri, unofanirwa kupiwa kontrakiti, unofanira kuisa chibvumirano, uye zuva rekushanda kwemazuva matatu rinofanira kupera. Chibvumirano chinofanira kusanganisira zvinotevera:
- Mari yekubhadhara inodiwa
- Tsanangudzo yebasa rinozoitwa kugadzirisa chikwereti chako
- Anofungidzira nguva iyo ichazotora kuzopedzisa maitiro (kana zuva raizoshandiswa nemasangano)
- Izwi rinooneka richikuzivisa iwe unogona kukonzera kontrakiti mukati memazuva matatu ebhizinesi
Iwe une kodzero yekuregesa kontrakiti yakasayirwa mukati mazuva matatu ebhizimisi. Sangano haigoni kukubhadharai mari yekuregererwa uku chero bedzi ichiitwa mukati menguva yakatarwa. Chibvumirano chako chinofanira kusanganisira Chirairo cheFomu Rokutsvaga raunogona kuzadza uye kudzokera kuzosiya chikamu.
Waiving Kodzero Dzako
Sangano rekugadzirisa chikwereti haigoni kukukumbira kuti usayine chero rudzi rwemafomu ekudzivirira kodzero dzako pasi pe CROA. Chero kusunungura kwaunosayina kunonzi kusina maturo uye hakugoni kushandiswa nehurumende kana hurumende.
Kurondedzera Kurwisana
Misangano inoputsa mutemo inogona kupomerwa mhosva chaiyo yekukuvadza, kuipa kwechirango, uye mari yemhosva. Iwe unogona kurondedzera kukanganisa kuBuducher Financial Protection Bureau, yako gweta gweta rezvemitemo, uye sutu yefaira muhurumende yako.
Iwe une makore mashanu kubvira musi wawakaputsika (kana zuva rawakadzidza nezvekuputsa) kutora matanho kusangano.