Nzira Yokuona Nayo Zvikwereti Zvako Zvokukwereta Gore Rose Gore
Marikiti yemitemo inokosha nokuti inopa data yakajeka inopinda muchikwereti chako chikoro . Zvakakosha kuziva zviri mumishumo iyi, uye kuve nechokwadi kuti yakarurama.
- Dzidza nezvezvakawanda: Sei Chikoro Chebasa Basa
- Zvakadini nehara huru? Nzira Yokuwana Nayo Chikwereti Chikoro
Munguva yakapfuura, zvakanga zvisiri nyore kuwana ruzivo urwu rusununguko. Vashandi vaitofanira kutenga mabhizimisi kana kukodzera maererano nemamwe mabasa mukati mehupoti yekwereti (zvakadai sekuregwa kwechikwereti zvichienderana nemakero ako). Dzimwe nhepfenyuro dzaida kuti vagari venguva nenguva vawane kodzero yekupa ruzivo rusununguko, asi mutemo wezvematongerwo enyika unoita kuti uve munyika yose.
Ndingawana Sei Free Credit Report Report?
Nhengo dzehurumende dzekubhadhara chikwereti dzakagadzira uye dzakagadzira webhusaiti iwe yaunofanira kushandisa kuti uwane gwaro rako rekukwereta rusununguko. Nzvimbo iyi inoti www.annualcreditreport.com. Pane imwe nguva, iwe uchapindura mutsva yemibvunzo, uye iwe unogona kusarudza iyo mitsva yekuona. Iwe unogonawo kudana 877-322-8228 uye kukumbira kopi yemakero ako emari nefoni.
Kana iwe usingadi zvinhu zvitatu kamwechete, shandisa imwe nzira yekuongorora chikwereti chako gore rose.
Iwe unogona kuwana zvitatu kamwe chete, asi vamwe vanhu vanongorayira imwe chikwereti chikwereti panguva. Izvo zvinovabvumira kuti vadzoke mumwedzi mishomanana uye varongedze mumwe mushumo kubva kune imwe sangano rekwereti. Kana pane chimwe chinhu chave chichishanda pamwedzi iyo (chiedza chekuzivikanwa kwekuzivikanwa, somuenzaniso), dambudziko richabatwa kunze kwekudikanwa kwekumirira kusvika gore rakatevera.
Kune kusiyana kune vezvikwereti vechikwereti, asi zvakasiyana zvachose hazvisi makuru - chero mumwe wevatatu anofanira kunge akakwanisa kukuratidzai kana mumwe munhu achiba uhu hwako nekuzarura kadhi rechikwereti ane chikuru chekutakura.
Kukurukurirana neZvikwereti Zvekwereti Zvakananga
Kana uchida, iwe unogona kudana vakuru vezvikwereti zvikwereti uye unokumbira chikwata chekwereti pasina. Zvisinei, FCRA-inotumirwa " Annual Free Credit Reports " inongowanikwa kuburikidza newebsite uye nhamba yefoni pamusoro apa. Mune mamwe mazwi, iwe ungatofanira kubhadhara kana iwe ukasangana nechikwata chekwereti zvakananga.
Handigoni kunyatsosimbisa kuti nzira chete yekuwana mari yako yegore yegore rekukwereta isingashandisi AnnualCreditReport.com kana nhamba yefoni pamusoro apa. Kana iwe uchienda kune imwe nzira, iwe ungatofanira kubhadhara kana kunyora kune imwe pasa webasa.
- Dzidza zvakanyanya: Mari Yezvikwereti Zvebasa
- Taura nemabhadharo emarikiti:
Ndeupi Mashoko Iwandinoda?
Iwe unoda kugadzirirwa nezita rako, kero, Social Security number, uye zuva rokuzvarwa. Iwe unoda zvakare chero mazita adhese kubva kumakore mashomanana apfuura. Pakupedzisira, iwe uchakumbira kuzarura chimwe chinhu chaunoziva chete (kufanana nehomwe yebhadharo yakapiwa, somuenzaniso) sekuchengetedzwa kwekuchengetedza.
Ndingaita Rini Kubhadhara Mari Yangu Chikwereti?
Kuti urongedze nzira, kuwanika kunongowanikwa kune dzimwe nzvimbo pane dzimwe nguva. Kubva musi waSeptember 1, 2005, rudzi rwose rune ruzivo rwehupfumi wehupfumi.
Kana nzvimbo yako ichikwira uye ichimhanya, unogona kuona mushumo wako wekukwereta usina purogiramu pakarepo paIndaneti (pawww.annualcreditreport.com). Kana iwe ukashandisa nhamba isina kubhadhara, inogona kuva mazuva gumi nemashanu kana kuti kusvikira wagamuchira mushumo.
Ndezvipi Zvimwe Ndezvipi Ndinofanira Kuziva Pamusoro Pemahara Pamusoro Pemahara?
Mitemo iga inokupa iwe kuti uwane gwaro rekubhadhara rusununguko - kwete chikwereti chepachena kana chero imwe sangano. Sezvaunorayira mitsara yako, tarisa kuti unetseke kuedza kutengesa zvimwe zvinhu zvinodhura mari.
Kana uchida iyo nitty-gritty tsanangudzo, edza zvinhu izvi:
- FTC kugoverwa: Kuwanika Kwako Kubhadhara Zvikwereti Zvinyorwa
- AnnualCreditReport.com's FAQ
Zvakadini Nezvikwereti Zvisingabhadhari?
Hapana chimwe chinhu chakadai serusununguko rwehurumende rusununguko.
Zvakare, mutemo wezvematongerwo enyika ikozvino unopa mharidzo dzisina ruzivo - asi kwete zvikamu zvinowanikwa kubva kune zvikoro.
Paunenge uchifamba nenzira yekuwana mitsara yako yepachena, unogona kutenga chikwereti chekwereti kubva kune imwe sangano rekubhadhara chikwereti kana uchida-ivo vachaita kuti zvive nyore kwazvo kuita kudaro, uye iwe uchaona zvipo zvakawanda.
Ndechipi musiyano pakati pezvikoro uye nhoroondo ? Mushumo une zvinyorwa zvitsva - ruzivo runokweretesa nemamwe hurumende hurumende inoshuma kune zvikwereti zvekwereti, kusanganisira:
- Chero chikwereti chawakashandisa munguva yakapfuura
- Chero chikwereti chauri kushandisa panguva ino
- Kana iwe wakambobhadhara nguva pfupi pazvikwereti
- Chero zvinyorwa zvevanhu zvakakosha kune chikwereti chako
Kuti uwane chikwereti chekwereti, purogiramu yemakombiyuta inoverenga iyo yakashata data kubva mumishumo yako, inoiongorora, uye inoparadzira chikamu. Vazhinji vanokweretesa vanoshandisa zvikwereti zvikwereti kuitira kuti vashandi havadi kuverenga pamabhuku kuburikidza nezvose uye kuongorora mhemberero yemarikiti. Dzidza zvakawanda pamusoro pezvikwereti chikoro .
Kunyange zvazvo iwe usingakwanisi kuwana chikamu pasina chero nguva iwe uchichida, kune nzira dzekuziva kana iwe une chikwereti chakanaka kana chakaipa. Iwe unogona kazhinji kuziva kuti chikwereti chako chikoro ndechipi kana iwe ukakumbira chikwereti kana kuti uzarura kambani yebhangi (asi iwe unogona kunge uchida kubvunza - uye iwe ungasawana chero ruzivo pamusoro pekwereti yako zvichienderana newaunoshanda naye). Mawebhusayithi akawanda anopawo mapepa emakadhi uye "asina kufanira" chikoro chikoro chinogona kubatsira. Kuti uwane mamwe mashoko, ona kuti ungawana sei chikwereti chikwereti chikoro .