Mbavha chaiye anogona kushandisa nhamba yeHuman Social Security kuti awane rubatsiro rwehurumende, kadhi rechikwereti rakasununguka kana mabhengi ebhangi, kubhadhara nzvimbo yekurarama kana kushanda kwebasa idzva kana chikwereti. Zvinogona kuparadza mwana, zvakadaro.
Tora Jason Truxel, somuenzaniso. Akakumbira chikwereti uye akawana kuti akarambwa nekuda kwechikwereti chakaipa. Akashamisika kuti chikwereti chake chikoro chakanga chakaderera, saka akaedza kuziva kuti sei uye akatora chikwereti chekwereti. Akawana chikwereti chakawanda chekwereti uye nhoroondo dzakawanda dzaakanga asina kuvhura. Nhoroondo imwe, somuenzaniso, yakazaruka apo Jason aiva nemakore gumi nematanhatu. Mune mamwe mazwi, akawana nzira yakaoma kuti akange ari iye akabatwa nekuzvidzivirira semwana ... uye mutadzi ndiye baba vake.
Unogona kuzviwana uchitaura kuti, "Handizomboba kubva kumwana wangu," asi dzimwe nguva mubereki akachengetedza achaona kuti mumwe wavo wekare akaroora kubatwa, asi kana bedzi ichinonoka uye zvikwereti zvinotora mari zvinotanga kusvika kumwana wavo.
Kana iwe ukabvira watenda kuti utano hwemwana wako hwakanyengedzwa, iwe unofanirwa kuisa ruzivo kumapurisa pakarepo. Iyi inowanzotanga danho rokutanga kuti mabhuku acho abve kubva kumushumo wechikwereti wemwana.
Dambudziko nderokuti vatengi vanowanzosanzwisisi zera remunhu anenge akakumbira, uye pane kudaro, gamuchira chikwata chekwereti pasina iyo.
Zvinosuruvarisa, vanhu vakawanda havaoni kuti ivo vanobatwa nekuzvidzivirira kwekuzivikanwa kusvikira vapinda muhukuru kana vachirambwa nokuda kwechikwereti.
Zviratidzo zvekuyeuchidza zveChipiri Kuzivikanwa Kwevana Kubata
IFTC inotsanangura kuti kune zvimwe zviratidzo zvinogona kutaurira mubereki kuti mumwe munhu angave achishandisa utano hwemwana wavo uye achiita utsotsi. Somuenzaniso, iwe kana mwana wako ungagona:
- Dzoserwa kuti uwane rubatsiro kubva hurumende nokuti nhamba yekusachengetedzwa kwevanhu ikozvino iko kushandiswa kune imwe nzvimbo.
- Gamuchira chiziviso cheRS chichiti mwana wacho haana kubhadhara mutero wemari kana kuti zita romwana raishandiswa pamutero wekudzokera.
- Wana zvikwereti kana kukohwa unoda basa kana chigadzirwa chausina kutora.
Kurambidza Njodzi Yevana Kuzivikanwa Kwokuba
Kana zvasvika pakugadzirisa njodzi yekuzivikanwa kwemwana wako kuchabiwa, unganzwa kuti kuchengetedza yake Social Security nhamba yakakwana. Kunyange iyi iri mazano akanaka, haisi mazano anobatsira sezvo zvisingakwanisi kuita kudaro.
Kune mimwe mitemo kunze uko inodzivirira mwana wako uye ruzivo rwemunhu. Semuenzaniso, Family Education Rights uye Privacy Act, kana FERPA, inobva kuDhipatimendi re Dzidzo, uye inobatsira kuchengetedza zvinyorwa zvevadzidzi. Ichi chiito chinobvumira vabereki vevana kuchikoro kodzero yekuregera kuonana kana yekunyora ruzivo ruzivo nevamwe.
Kana uine mwana wechikoro ane makore:
- Iva nechokwadi chokuti zvidzidzo zvevadzidzi zvinoshandiswa munzvimbo yakachengeteka.
- Tsvaga kuti ndiani anokwanisa kuwana zvinyorwa izvi.
Chengetedza Mazvikoro Zvose Chikoro
Kune mafomu kunze uko achakumbira ruzivo rwemwana wako. Vanogona kudzokera kumusha nemwana wako kana kutumirwa kuburikidza nemakero kana kunyange ne-mail. Tarisa maitiro aya uye tsvaga mazwi akadai se "ruzivo rwekutsvaga," "ruzivo ruzivo," kana "opt-out." Unofanirawo kuva nechokwadi kuti unoziva kuti mashoko acho achashandiswa sei, uye kana akagoverwa, ona kuti ndiani vachazviona.
Iwe unofanirwawo kuve nechokwadi kuti uri kuverenga zvose zvizivo kubva kuchikoro, sezvo izvi zvinotsanangura kodzero dzaunazvo semubereki kana zvasvika pamashoko emwana wako. Somuenzaniso, neFERPA, une kodzero yeku:
- Kumbira kururamiswa kwezvikanganiso mune zvinyorwa zvose.
- Ongorora nekuongorora zvese zvinyorwa zvekuchikoro.
- Bvumirana nekuzarurirwa kwemashoko evanhu mumabhuku.
Kudzivirira Ndicho Chinokosha Mukuchengetedzwa
Pane matanho aunogona kutora kuti udzivirire utano hwemwana wako, zvakare:
- Usambofa ugovana nhamba ye Social Social number kunze kwekunge iwe uchiziva mumwewo. Bvunza kuti nei zvichikosha uye matanho api achatorwa kuti azvidzivirire. Bvunza kana kushandisa mairi mana ekupedzisira inogamuchirwa.
- Yakashongedza chero gwaro rine mwana wenyu kuzivisa ruzivo pamusoro paro vasati varikanda mumarara.
- Tsvaga nzvimbo yakachengeteka yezvinyorwa zvose zvinoratidza ruzivo rwomwana.
- Ziva nezvezviitiko zvinogona kuisa mashoko acho pangozi. Nemuenzaniso, kana iwe une mumwe munhu mumba mako mune zvinotyisa zvemamiriro emari, kana pane kuparara-kana kana iwe ukarashikirwa nechimwe chinhu, chakadai sehombodo, iyo inogona kunge ine nhamba yevana vekuchengeteka kwevanhu, kune mikana yakawanda yekutengesa .
Zvaunofanira Kuita Kana Mwana Wako Anova Mhosva
Kana iwe wakambotadza kuziva kuti mwana wako ndiye ari kubiwa, iwe unofanirwa kukanda ripoti yemapurisa nekukurumidza. Panewo fomu iri paIndaneti inobva kuTrUnion iyo ichakuudza kana ruzivo rwemwana wako rungakanganisa.
Mushure mokunge maisa fomu iyi, muchagamuchira ruzivo pamusoro pekuti kana chekwereti yemwana wenyu yakakosha here kana kuti kwete. Kana pasina faira, mwana wako akachengeteka kubva kune ucheche hwemari panguva ino. Kana paine hit, uye kune faira yechikwereti kumwana wako, pakarepo uone zvitatu zvemari chikwereti - Experian, TransUnion uye Equifax - uye udzose ruzivo.
Iwe unogonawo kukumbira ripoti risina mari yechikwereti kumwana wako, chero bedzi pavanopfuura makore gumi nemana, pa AnnualCreditReport.com. Kana iwe ukawana hit pano, unofanirwa kutaurirana neunharaunda yako yezvemitemo yekuchengetedza mitemo uye yese mitatu yemari yechikwereti. Izvi zvinogona kureva kuti mwana wako ndeupi akabbiwa.
Kugadzirisa Mari Yomwana Wako
Kutanga hurongwa hwokugadzirisa, unofanirwa kutumira makambani matatu ekukweretesa chikwereti uye ukumbire kuti mabhuku acho abvise. Iwe unofanirwawo kukumbira ruzivo rwese rwunobatanidzwa nehuwandu hweHuman Social Security nhamba uye zita pane zvekuunganidza zvizivo kana mibvunzo yebhuku rinofanira kubviswa.
Kubhadhara Kwereti Kwevana
Ndakatora nguva yekukurukura yese yezvikwereti zvekwereti kubvunza pamusoro pekukweretesa chikwereti kuvana, asi unofanirwa kuziva kuti kune zvivako zvakasiyana siyana zvichienderana nehurumende yauri. Kuti uone kana nyika yako ichabvumira mwana kubhadhara chikwereti, click here. Sezvakanyorwa izvi, Equifax ndiyo chete iyo inopa vabereki vose mune zvose inotaura kodzero yekuisa firiji pane zvinyorwa zvevana vavo.
Somumwe munhu akashanda nevanovhiringidzwa nehupombwe hwemwana, ndinogona kukuudza kuti ichi ndicho chiitiko chakaipisisa muhupenyu hwemwana uye nezveramangwana ravo. Vana vazhinji vanova nhamo dzekuvharwa kwevana sezvo vana vane nguva yakaoma zvikuru kutanga hupenyu hwavo hwevanhu vakuru pamakore 18, iyo apo apo chikwereti chavo chichaita kuti vaite sechifeve. Mukurumbira wemucheche wakatove wakanganisa, uye unogona kuvakanganisa ivo kuwana chikwereti, kuwana basa kana kupinda mujijiji.
Izvo zvikwereti zvikwereti ndeye masangano akanaka ekudzivirira kusaziva kwevana, sezvo vanogona kungoita kuti zvirongwa zvavo zvibvumirwe kubvumidza kubhadhara mari yechikwereti mwana asati aurayiwa.
Sevabereki, hatisi kukumbira zvakawanda. Tinongoda kuita zvose zvatinogona kuti tidzivirire vana vedu kubva mumatambudziko emari vasati vatombova vakuru.
Mbavha chaiye anoda nhamba yekuchengetedzwa kwevanhu, uye nenhamba iyi, mbavha inogona kuita zvinhu zvakawanda zvakadai sokuzarura kadhi kadhi rekwereti, kubhadhara imba uye nezvimwe zvakawanda. Nhamba dzekuchengetedzwa kwehupfumi dzevana dzinonyanya kufadza kumakororo nekuda kwekuti:
- Vane mukana wekuwana mitsva yechikwereti
- Nhoroondo yemari yemwana yakachena
- Vanoziva vana vakawanda kana vabereki vasingatarisi mitsara iyi kuitira kuti inogona kuenda isingazivikanwi kwemakore
Mubereki anofanirwa kufungidzira kubhadhara chikwereti chemwana wavo, sezvo kungoshandisa chikwereti chekucherechedza chikwereti hachidziviriri mutadzi kuzarura nhoroondo kuburikidza uchishandisa nhamba ye Social Social Security yemwana. Bhiza rinovimbisa kuti havagone kuzarura iyo nharo zvachose.
Heano maitiro emitemo huru yekubhadhara chikwereti:
Experian
- Hazvisiki chikwereti chekwereti kune mwana kunze kwekuti vakatariswa kana kuti vachida nehurumende mutemo
- Achapa kopi yehurukuro yefaira yemwana aripo, uye ichaipisa, kana yakumbirwa
- Mari shoma inotarisirwa kunze kwekuti mubereki anokwanisa kupa uchapupu hwokuti mwana wacho ndiye akabiwa
TransUnion
- Nzvimbo ino inobvumira vabereki kutarisa chikwereti chekwereti chevana vavo
- Chikwereti chakasununguka chinowanika mune zvinyorwa zvinobvumira, uye mari inogona kushanda
Equifax
- Mwana wacho haafaniri kunge akabatwa nehupamberi hwekuziva kuti aende
- Iko kusununguka kwakasununguka, uye zvinodiwa zvehurumende hazvina basa
Innovis
- Anopa chikwereti kusununguka kuvabereki vemarudzi ose
Aiwa, zvose zvese zvinopa kudzivirirwa kune chikwereti chechikwata chevana. Ita chokwadi chekuziva zvinodiwa zvehurumende yako, sezvo zvichisiyana zvakanyanya. Uyewo, chengetedza zviratidzo zvekuti munhu ari kushandisa nhamba yekuchengeteka kwevana vako mupfungwa:
- Iwe unogona kugamuchira chinyorwa cheRS kukuudza kuti mwana wako haana kubhadhara mutero pamusana pemari yavo isiripo
- Iwe unogona kugamuchira chinyorwa cheRS kukuzivisa iwe kuti nhamba yako yeHuman Social Security yakashandiswa kune imwe yerudzo kudzoka
- Iwe unogona kugamuchira zvikwereti kana maziso ekuunganidza zvinhu zvausina kutenga
- Mwana wako angangorambwa nekuda kwehurumende kubatsirwa nekuti vari kuenda kune imwe nhoroondo iyo inobatanidza nehuwandu hweHuman Social Security nhamba