Iwe une kodzero yekureva yakarurama chikwereti. Pamberi pa2012, wakangobvumirwa kurwisana zvikanganiso zvekwereti yekwereti nemabhadharo ebhadhara-mabhizimusi anounganidza ruzivo rwehupoti yako yekwereti.
Iye zvino, mutemo wakashandurwa kuti uite kuti iwe unopikisa zvikanganiso zvakananga nekadhi kadhi rechikwereti, chikwereti, kana chero bhizimisi rakakuudza iwe ku-credit bureau.
Iko Mari yeBhangi Inopesana Sei Nebasa
Kupikisa zvikanganiso zvakananga nemudzidzi wepeji inogona kubatsira mugumisiro wako. Apo chikwangwani chechikwereti chinogamuchira gakava, dzinowanzopedza kukakavadzana kwako kune nhamba yenhamba uye kutumira iyo code kune bhizinesi iyo yakapa ruzivo rwauri kurwisana. Nhamba yekodha inogona kunge isingakwanisi kutsanangura zvachose nharo yako uye inogona kudzoka seyakatsigirwa, kunyange kana wakatumira uchapupu hunotsigira nharo yako.
Somuenzaniso, mukwereti wako angangodaro akanyora kubhadhara kwekupedzisira nekukanganisa. Mari yekubhadhara inonzi yakabhadharwa inoshandiswa kune mari yechikwereti . Paunotumira nharo uye chikwereti chekwereti chinokumbira mukwereti kuti aone, mukwereti anotenderera pane ruzivo ruri muhutano hwavo, iyo ndiyo yekubhadhara kwako kwapera.
Kana iwe pachinzvimbo chekuita nharo nekadhi kadhidhidhi, kutumira pamwe neuchapupu hwokuti kubhadhara kwako kwakagadziriswa zuva risati rasvika, mukwereti aizomanikidzwa kubvuma uchapupu hwako, kuvandudza hurongwa hwahwo kuratidza kubhadhara kwako kwakagamuchirwa nenguva, uye chikwereti chebhendi kubvisa chikwereti chekupedzisira kubva kumukwereti wako wemari.
Chii Chingabatanidza Mukurwisana
Kana iwe ukakavhiringidza iko kukanganisa mukunyora, tsamba yako yekukakavara inofanira kuziva chaicho chauri kukakavadzana uye inotaura kuti nei uri kukakavadzana nayo. Kana uine humwe uchapupu hunotsigira nharo yako, inosanganisirawo mapepa, kwete mavambo, nemakakatanwa ako. Iva nechokwadi chokuti iwe unowana kero yebhizimisi rinoshandisa tsamba yekunyora - haisi nguva dzose yakafanana nekero yako yekubhadhara. Tumira tsamba yako kuburikidza netsamba yakagadziriswa nebhasiro yekudzoka yakakumbirwa kuva nechiratidzo chekutumira nekugamuchira.
Kurwisana Kuongorora
Kamwe bhizinesi ragamuchira nharo yako, inofanirwa kuongorora zvawakapopotedzana. Vane nguva yakafanana yekufungisisa uye kupindura pamakakatanwa enyu se-credit bureau - mazuva makumi matatu kubva pazuva ravanogamuchira nharo yenyu. Vanogona kutora kusvika mazuva makumi mashanu kuti vaite tsvakurudzo kana iwe kutumira mamwe mashoko mushure mokutanga tsamba yakakavhiringidza.
Kana tsvakurudzo yavo ichinyatsoita kuti nharo yenyu yakarurama uye pane kukanganisa pamushumo wekwereti yako, bhizimisi inofanira kuzivisa zvose zvikwereti zvekwereti zvekukanganisa kwako. (Haafaniri kuzivisa chikwereti chekwereti kana iyo yekodha isingaoneki pamushumo wekwereti yako nebazi iroro.) Chikwereti chekwereti zvinodiwa kuti chigadzirise iyo account, kana kuvhara iyo kana zvichidikanwa.
Zvikwereti zvekwereti zvinogonawo kudzivisa zvachose zvimwe zvinhu kubva pakurongwa pamushumo wekwereti yako, somuenzaniso, zvinhu zvinokonzerwa nekunyengera.
Kurwisana Nharo
Bhizinesi rinogona kugadzirisa kuti nharo yako inonzwisisika kana isina basa kana iwe usingavape ruzivo rwakakwana kuti uongorore nharo, sewe iwe usati uchitaura zuva uye mwedzi yekubhadhara kwekupedzisira iwe uri kureva. Ngwarira kupikisa chinhu chimwechete kakawanda. Mabhizimisi anogonawo kugumisa kukakavadzana kwako kunofadza kana zviri izvo zvakafanana nedzimwe nharo yawakaita kune bhizinesi kana kune chikwereti chekwereti uye kana bhizinesi ratove ratsvaga kukakavadzana uku.
Kana kukakavadzana kwako kuchikanganisika, bhizimisi rinofanira kutumira iwe zivo mukati memazuva mashanu ebhizimisi. Chiratidzo chinofanira kusanganisira chikonzero icho nharo yako yakanzi yakashata, asi mabhizimusi anobvumirwa kutumira tsamba dzemafomu ekuti iwe upindure kwauri.
Mitemo iyi haishandisi kumakambani ekugadzira zvikwereti kana mafomu ayo iwe wawakapiwa nekambani yekugadzirisa chikwereti.