Ita Bhizimisi Rokusununguka Mushumo Gore Rose
Mharidzo yako yechikwereti ndeimwe yezvinhu zvakakosha zvikuru muupenyu hwako hwemari. Iine nhoroondo yakazara yekwereti yako yekwereti kusanganisira zuva rawakazarura nayo compte, bhaari iripo, uye nhoroondo yekubhadhara yekodha.
Nemhaka yokuti mabhizinesi akawanda anoshandisa ripoti rako rechikwereti kuita zvisarudzo pamusoro pako, zvakakosha kuti uongorore chikwereti chako chekwereti kamwechete pagore kuti uve nechokwadi chokuti mashoko ari muhupoti yako yekwereti yakarurama.
Chimwe chezvikwereti zvikwereti zvekwereti (makambani anounganidza mushumo wako wechikwereti) anopa mvumo yako yekwereti kutengeswa, asi kune zviitiko zvaunogona kuwana mari yekusununguka mari yechikwereti kubva kune imwe yezvikwereti zvekwereti.
Kamwe kamwe pagore kuburikidza gore negoreCreditReport.com
Izvo Zvakanaka uye Zvakarurama Zvokutengeserana Mutemo Mutemo wa2003 (FACTA) zvakaita kuti zvive nyore kuti iwe uwane ripoti yemari yechikwereti. Kuburikidza ne FACTA unogona kuwana kopi yepachena yemukana wako wekwereti kubva kune imwe neimwe yezvikwereti zvitatu zvekwereti-Equifax, Experian, uye TransUnion-gore negore. Iwe unofanirwa kushandisa zvinyorwa izvi kuburikidza nekuraira chikwereti chako chekwereti uye kuchiishandisa kuti uone chikwereti chako chekwereti .
Pane nzira dzakananga dzekuwana mari yegore regore rega rega risina kubvumirwa pasi pe FACTA.
- Online, nekushanyira www.annualcreditreport.com.
- Nefoni, nekudana 877-322-8228.
- Nokutumira tsamba, nokudhinda fomu yekumbira (Adobe viewer inodikanwa) uye kuitumira kukero yakanyorwa pane fomu.
Usataurirana nechechi chikwereti chekubhadhara zvakananga nokuda kwehupfumi yako yegore negore.
Kurayira Zvese Zvako Free FCRA Credit Report
Iko Fair Credit Reporting Act inokupa kodzero yebhadhiro yemari yechikwereti mune mamwe mamiriro ezvinhu. Izvi zviri kuwedzerwa kune mushumo wenyu wepachena wegore. Izvi zvinosanganisira:
- Iwe waive nechikumbiro chakarambidzwa nekuda kwemashoko pamusoro pehupoti yako yechikwereti. Izvi zvinosanganisira chikwereti, inshuwarisi, uye mabasa ekushanda. Iwe une mazuva makumi matanhatu kubva pazuva raunodzidza pamusoro pokuramba kukumbira kopi yekusununguka yemaripoti yako yechikwereti. Iko kambani ichakutumira iwe chiziviso chinobatanidza mashoko ekukurukura kune vekwereti chekwereti avo vakapa ripoti rinoshandiswa pakuita chisarudzo.
- Iwe hausi kushanda uye uronga kutanga kutarisa basa mukati mememazuva 60.
- Iwe uri pahupenyu.
- Iwe uri chibharo chekuziva uye uine ruzivo rwakashata pamushumo wekwereti yako.
State Free Credit Report Maitiro
Dzimwe nyika dzine mitemo inokubvumira kuti uwane gwaro rekwereti risina kubhadharwa muwedzerwa kune rega rega rega rekwereti yemari yekwereti iwe unofanirwa nemutemo we Federal.
| State | Mutengo | Frequency |
|---|---|---|
| Colorado | Kusununguka, saka $ 8 | Mumwe wakasununguka pagore |
| Jojiya | Kusununguka, saka $ 11.50 | Vaviri vakasununguka pagore |
| Maine | Kusununguka, saka $ 5 | Mumwe wakasununguka pamwedzi gumi nemaviri |
| Maryland | Kusununguka, saka $ 5 | Mumwe wakasununguka pamwedzi gumi nemaviri |
| Massachusetts | Kusununguka, saka $ 8 | Mumwe wakasununguka pagore |
| New Jersey | Kusununguka, saka $ 8 | Mumwe wakasununguka pamwedzi gumi nemaviri |
| Pota Riko | Kusununguka, saka $ 11.50 | Mumwe wakasununguka pamwedzi gumi nemaviri |
| Vermont | Kusununguka, saka $ 7.50 | Mumwe wakasununguka pamwedzi gumi nemaviri |
Izvo zvinotevera zvinotapudza mitengo yemitengo yemarikiti.
- California - $ 8
- Connecticut - $ 5 yekutanga chikwereti chekwereti gore rega rega, ipapo $ 7.50.
- Minnesota - $ 3 yekutanga chekwereti gore rega, ipapo $ 11.50;
- Montana - $ 8.50
- Virgin Islands - $ 1
Iwe unofanirwa kuraira yako pachena FCRA chikwereti report kana yako huru yehurumende chikwereti chikwereti zvakananga kuburikidza nemabhadharo emarikiti:
- Equifax
- Experian kana kudana 1-866-200-6020
- TransUnion
Iva neKusununguka Kwekupa Chikwereti Chekunyora Kwete kana Chikwereti Chakwereta
Mawebhusayithi akawanda zvino anopa imwe mushumo wekwereti yepachena.
Aya masayenzi anoita mari kuburikidza nekutengesa kuitira kuti vagone kukupa ripoti yemarikiti pasina rusununguko. Bhalisa nezvizvi nzvimbo kuti uwane kopi yemhosva yako yekwereti yekwereti:
- CreditKarma.com
- CreditSesame.com
- Quizzle.com
- WalletHub.com
Aya masayiti haadi kuti iwe upinde nhamba yekadhi yemadhikiti kana kunyoresa pakutsvaga kwekutsvaga kuti uwane gwaro rako risina mari.
Free Credit Education
Isa nguva mukunzwisisa kuti chikwereti chinoshanda sei uye kuti chikwereti chako chikoro chichagadziriswa sei nezviito zvako-kubhadhara kwekupedzisira, kuzarura mutsva wechikwereti.
Zvakanaka Isaka Tools-vadzidzisi veFICO credit score -va nemathuluzi akawanda anogona kukubatsira kunzwisisa zvikwereti zvekwereti, kusanganisira chikwereti chekwereti chekwereti uye chikwereti chekukweretesa chikwereti.
Free Credit Monitoring
Kune makambani akawanda-ChikweretiKarma, CreditSesame-iyo inopa pachena kubhadhara chikwereti.
Kunyatsotarisa chikwereti chako chikoro kunogona kubatsira kana uri kushanda nesimba kuti uvandudze chikoro chako chekwereti kana uchitya nezvekuvhara.
Dzimwe nguva makambani achakupa gore kana makore akawanda ehurukuro yekutora chikwereti kana ruzivo rwekwereti yako rwakanyengedzwa nekuda kwekuputsika kwemamiriro ekuchengetedza kwavo data.
Iva Nehanya Nezvipo Zvimwe Zvipo Zvokubhadhara
Ngwarira zviitiko zvinopa ruzivo rusununguko kana kuti zvishoma nezvishoma rukwereti, asi kukumbira kuti iwe uise nhamba yako yekadhi yemakadhi kuti ubasainire muedzo wepachena. Aya masayiti anonyora kukunyora mukutsvaga kwekutsvaga kubasa rekuchengetedza chikwereti uye anotanga kukubhadhara mwedzi wose kana iwe usingaregi kubhadhara kusati kwapera nguva yekuedzwa.