Iko Fair Credit Reporting Act ndiwo mutemo we federal unotsanangura, pakati pezvimwe zvinhu, kuti inguva yakareba sei ruzivo rwakashata runogona kuramba uri pamushumo wekwereti yako. Chikwereti chekupa chikwereti nguva yezvikwereti makore manomwe emashoko akawanda asina kunaka. Mamwe marudzi ehuipi ruzivo acharamba ari pamushumo wekwereti kwenguva refu kupfuura iyo.
- Kuparara kwemashoko kufanana nekukwereta kwekadhi rechikwereti uye maunganidzwa anogona kuonekwa kwemakore manomwe kubva pazuva rekudengenyeka.
- Mhosva, makore manomwe + 180 mazuva kubva pazuva raakanyorerwa kune chikwereti chekwereti, kazhinji, izvi zvinongova makore manomwe kubva pazuva raakabhadharwa.
- Chikwereti chevadzidzi chinokanganisa , makore manomwe (rinotsanangurwa neHigh Higher Education Act).
- Foreclosures, makore manomwe.
- Mhosva kana kutonga , makore manomwe kubva pazuva rokutsvaga kana mutemo wehurumende wekukanganisa , chero nguva yakareba.
- Kushungurudza , kusvika pamakore gumi kubva pazuva raunoshandisa.
- Kubhadhara mitero yemitero, makore manomwe kubva pazuva rakabhadharwa kana kusvikira wakumbira IRS kuti iibvise.
- Mari dzisina kubhadhara mitero, nokusingaperi.
KuCalifornia Vagari
- Kubhadhara kana kubhadhara mitero yemitero inoramba iri pamutero wako wekwereti kwemakore manomwe kubvira musi wakabudiswa kana makore gumi kubva pazuva raakaiswa.
- Mari dzisina kubhadharwa mutero dzinogara pane yako chikwereti mushumo kwemakore gumi kubva pazuva raakaiswa.
KuVagari vomuNew York
- Kubhadharwa kutonga kunogara pamushumo wekwereti kwemakore mashanu kubvira pazuva raakaiswa.
- Kubhadhara zvikwereti zvinogara pamutero wako wekwereti kwemakore mashanu kubvira pazuva rakabhadharwa kana zuva rokupedzisira rebasa.
Iwe Unotofanira Kuita Chero Chii?
Kana imwe nguva chikwereti chekupa chikwereti chekwereti chapera, ruzivo rwakapera nguva dzese runofanira kubva ruchibva kubva kumurairo wako wekwereti. Iwe haufaniri kuita chero chinhu chinokurudzira chikwereti chekwerekiti kuti chivandudze mvumo yako yekwereti.
Zvisinei, kana pane kukanganisa nezuva rekuzivisa, iwe uchafanira kushandisa chikwereti chekwereti gakava kukanganisa kuti chirongwa chacho chigadziriswe kuitira kuti ruzivo ruve kure negwaro rako rechikwereti panguva yakakodzera.
Tumira makopi ehumwe humwe uchapupu hwaunotsigira kudai kwako kubatsira kubatsira uchapupu hwako. Iwe unogona kunyunyuta kune Ve Consumer Financial Protection Bureau kana chikwereti chekwereti nemuorivhi weruzivo uchiramba uchiputsa kodzero dzako nekunyora mashoko asina kururama pamusoro pehupoti yako yekwereti.
Kuzivisa Nguva Murairo vs. Mvumo Yokubhadhara
Kungoita kuti nguva yekukwereta chikwereti inopedza nguva hairevi kuti iwe hausisina chikwereti. Chikwereti chekupa chikwereti chenguva haritauri kuti mutengesi kana muteresi anogona kutora sei mushure mekubhadhara mari isina kubhadharwa. Chero bedzi chikwereti chakanaka chichiripo chisina kubhadharwa, uyo ane chikwereti anogona kuedza kukuunganidza kubva kwauri nekushevedza, kutumira tsamba , uye chero chimwe chiito chepamutemo.
Kuvhiringidzika Nemitemo Yezvikwereti
Pane imwe nguva iyo inoshanda kumatare, mutemo wekukwanisa . Nguva ino inopera inopesana nehurumende uye inogadzirisa nguva yekwereti kana muteresi anogona kushandisa dare kukumanikidza iwe kubhadhara chikwereti - kana iwe unogona kuratidza kuti mutemo wekukwanisa wapfuura. Mutemo wekukundikana unowanzosiyana kubva kune chikwereti chekupa chikwereti nguva. Chikwereti chinogona kuramba chichinyorwa pamushumo wekwereti yako kunyange zvazvo mutemo wekukanganisa wapfuura, kunyanya kana mutemo wekukanganisa uri pasi pemakore manomwe.
Zvisinei, kutonga mhosva kunogona kupfuurira kunziviswa kuburikidza nemutemo wehurumende wekukanganisa kana nguva iyoyo yemakore anopfuura manomwe.