Chikamu chinokosha chekuchengetedzwa kwemunhu ndeyekudzivirira kushandiswa kudzivirira . Sezvo iwe unogona kutora matanho ekuchengetedza mhuri yako, hupenyu, imba kana pfuma, unofanirawo kuva nechokwadi chokuti munhu oga achishandisa chimiro chako ndiye, iwe.
Sezvo nyanzvi yekuzivikanwa kwekuzivikanwa uye nyanzvi yekuchengeteka, ini ndichiri kuvhiringidzika nedzimwe chezvishandiso nemabasa anobvunza kuti anodzivirira vanhu kubva pakurasikirwa kwehuzivi.
Pane kushayikwa kwepachena mune zvigadzirwa kunze uko, asi zvinokosha kuti izvi zvive zvakajeka. Mune mamwe mazwi, iwe unofanirwa kuziva zvaunowana, zvazviri, uye kuti sei kana kuti nei zvichigona kukubatsira iwe.
Zvizhinji zvehutano huripo hwehuzivi hwekudzivirira kudzivirira inzira yehushuwarisi, kana chivimbiso, kunze kwekudzorera, kudzorerwa, uye kuongorora. Zvisinei, hazvishamisi kuti zvinyorwa zvinowanikwa pamusoro pezvikamu zvebasa racho. Inogona kureva chero chinhu kubva pakutsvaga Indaneti kune chikwereti chekuona.
Aya maitiro anowanzotaurirawo kuti anobatsira vanhu kuti vadzoke kubva kubasa rekuziva, asi kudhinda kwakanaka kunotsanangura kuti kuregererwa kunogumira kune zvavanodzivirira, uye zvinongowanikwa chete kana basa risina kukwana. Izvozvo zvakati, mamwe mahutano achaenda mberi kwekunyorera kwakanaka uye kubatsira kunyange kana basa ravo risingagoni kukudzivirira. Saka bvunza mibvunzo.
Zvimwe zvikamu zvinosanganisira kukuzivisa iwe pachako mashoko ehupenyu, akadai sehuwandu hweSocial Security, zita, debit kana nhamba yekwereti, yakakanganisa.
Kuzivikanwa kwekubata kuchengetedzwa kunofanirwa kuenderera mberi nehuwandu hunowedzera huri hwemhosva, uye hunopa mazamu akawanda ekucherechedza, kuongorora, kunyeverwa uye intuitive customer experience.
Mamwe maziviro ekuvhara mazano ekuchengetedza ndeye makambani ekutengeserana akasika chirevo ichi pasina ruzivo rwechokwadi chekuchengeteka kwehuzivi .
Vanotengesa vatengi kumabasa avo, izvo zvinodhura $ 100 - $ 200 pagore, asi izvo zvisingakuudzei ndezvokuti vanongotarisa Indaneti vachitsvaga ruzivo rwenyu, uye kana zivo yako pakupedzisira yakabiwa, vanongopa mazano pamusoro pokuti gadzirisa.
Mabhangi, makambani emakadhi echikwereti, uye makambani einishuwarenzi vose vanopa hudziviriro rwekuzivikanwa, zvakare Vakawanda, zvisinei, vakachena michina inobatsira iyo inongodzokororwa kutarisa sekuti inobva mumasangano aya.
Kana ukasarudza kuisa muhutano hwekudzivirira kudzivirira, usawa nekuda kwekutengesa ploy. Pane kudaro, sarudza sangano rakasimba kukudzivirira.
Unonyatsoda Unhu Hunozivikanwa Here?
Iwe ungangodaro wakaona zvimwe zviziviso zvekudzivirira kubhavha kudzivirirwa, asi wakaita kufunga kuti iwe unhu hwako hahuna kumbobviswa zvachose. Zvisinei, ndine nhau iwe ... isu tose tinoda kudzivirirwa kwekuzivikanwa!
Kana iwe ukakwanisa kupindura "Hongu" kune chero ipi zvayo mibvunzo iri pasi apa, uye iwe hauna zivo yekudzivirira kudzivirira , uri kuzviisa pangozi:
- Iwe iwe kana mwana wako ane Social Security number here?
- Iwe une zvikwereti, zvakadai sedhotera, kushandiswa, kadhi rechikwereti kana foni, iri muzita rako?
- Iwe unoenda kunechiremba wamazino kana chiremba here?
- Unoshandisa mutero wemari?
- Wakambove uri murwere muchipatara here?
- Unoshandisa Indaneti here?
- Iwe une kereti yekutyaira here?
- Une bhadha yebhangi here?
- Une chikwereti chakaipa here kana kuti kwete mari?
- Iwe unomboita here kana kusamboshandisa kadhi rechikwereti?
- Urimupenyu?
Iwe unowana pfungwa apa; kunze kwekuti iwe ugare mumatondo, usati wamboongorora munzanga, wakafa, usina kunyorwa, usina kutora kana kurapwa kana usina hutano, iwe uri pangozi. Kunyange kana iwe usina pokugara, iwe uchiri mungozi.
Kunogona Kubhadhara Kwereti Here?
Chikwereti chisina kubhadharwa basa rinozovhara pasi firiji yemunhu chikwereti kuitira kuti mukwereti haakwanise kuongorora chikwereti chavo. Iyi ndiyo nzira yakanaka yekudzivirira vatadzi kubva pakuzarura maakaiti matsva pasi pezita kana kuti Social Security nhamba yeumwe munhu akashanda zvikwereti. Kana munhu ane chikwereti kana ane chikwereti asingakwanisi kutarisa chikwereti chomumwe munhu, hazvigoni kukurudzira chikwereti, chinogona kukudzivirira.
Kuti izvi zvibate, iwe unoda chikwereti chekukwereta kubva kune imwe yezvikwereti zvekwereti. Nzira yekugadzira chikwereti chinowanzosanganisira chivimbiso nezita remunhu, Social Security number, kero uye kopi yemutemo. Iyi mitatu yemari yechikwereti inogonawo kutengesa mari shoma nokuda kwebasa iri, kusvika pa $ 15, asi vamwe vakasununguka, zvichienderana nehurumende yaunogara.
Kamwe chikumbiro chacho chazadziswa, unhu hwako huchapedzisira hwavharwa kusvika kune chero upi zvake hutsva hwekodha hunofungidzirwa. Ramba uri mupfungwa, zvisinei, kuti kune mamwe mamwe matanho aunofanira kutora kuitira kuti uone kuti unhu hwako nehupo huripo hwakachengeteka.
Kune vanopfuura mamiriyoni gumi mutsva vadzidzisi vanobatwa gore negore muUnited States. Vakawanda vevarwere vakaona kuti varume vakaipa vakashandisa zvigadzirwa zvemunhu, zvakadai senhamba ye Social Social, kuti vazarure mazita muzita ravo. Nekuchengetedzwa kwekuchengeteka, zvisinei, izvi hazvingaitike kuti zviitike.
Nekuchengetedzwa kwekuchengeteka munzvimbo panzvimbo dzose zvitatu zvemari chikwereti, mbavha haigone kuzarura akaunti itsva sezvo mutengesi kana chikwereti asingakwanisi kutarisa faira rechikwereti. Kana iwe uri iwe, uye iwe unoda kubhadhara chikwereti, unogona kusimudzira kushandiswa kwenguva pfupi uchishandisa PIN, saka chero chikwata chekwereti chakakodzera chinogona kushandiswa.
Kunyange zvazvo chikwereti chakasununguka chinoshanda uye kunyange chakakosha, chinogonawo kuoma kune vamwe vanhu.
Ingoyeuka mupfungwa kuti kunyange chikwata chekukwereta chiri nyore kuita, uye ivo vanobatsira kudzivirira kuzivikanwa kwako, hazvisi zvakakwana kukuchengetedza zvachose. Kune zvimwe zvimwe zvinhu zvaunofanirwa kunge uchiita kunze kwekukanda. Heano mhinduro dzemamwe mibvunzo inowanzopiwa nevanhu pamusoro pekwereti inosununguka:
Ndeipi apo chikwereti chinopisa pfungwa yakanaka?
Kana iwe uri pamusoro pemakore gumi nemasere uye une chikwereti chekwereti, kana iwe uri pasi pemakore gumi nemasere uye nyika yako inobvumira iyo uye / kana kuti yakave yako yaibiwa, chikwereti chekwereti chinhu chakanaka.
Munhu anofanirwa kufungei asati awana chikwereti chekwereti?
Usafunga pamusoro pechinhu chipi nechipi. Chikwereti chinofanira kunge chakanyanyisa kuvharwa mubhodhi. Zvisinei, vatengesi, mabhengi, uye vateresi vakashandisa mamiriyoni akawanda vachivhiringidza kuti vaimise, sezvo zvichizobvisa chikwereti chine nguva iyo makambani aya angapa, uye makambani anotaura kuti iyi "gums" inokweretesa.
Ndezvipi zvinokonzerwa nechikwereti chekwereti?
Izvo zvinotengeswa zvekukwereta chikwereti zvinobva pakusununguka kusvika pa $ 15 pahofisi. Uyu mutengo unobva pane zvakatengeswa neAkatoriya Gavhuna wehurumende yako yakagadzirwa nemabhadharo ebhadhara. Panewo zvakare mari inobatanidza nekutengesa maakare, ayo ari kubva pakusununguka kusvika ku $ 5.00. Izvi zvinoitwa kana iwe uchida kushandisa chikwata chitsva.
Ndezvipi zviri nyore kuvhara chikwereti?
Chokwadi ndechekuti, chikwereti chekwereti hachisi chakanakisisa. Zvisinei, ichi hachisi chinhu chikuru, zvachose. Zvinonyatsotora maminetsi mashomanana uye mubhadharo maduku kuti uvanyore ivo, uye maminitsi anenge mashanu chete kuti azvikwezere. Iyoyo mutengo muduku wokubhadhara kuchengetedzwa kwehuzivi hwako.
Ko chikwereti chinokonzera kukuvadza chikwereti changu chikoro here?
Kwete
Kuchenjerera kwekunyepedzera kwakasiyana sei nechikwereti chekwereti?
Kunyengera kunongotora kwemazuva makumi mapfumbamwe, uye havagadziri chikwereti chako. Pane kudaro, vanongotumira vakangwarira kune vanokweretesa kuti iwe unogona kunge wakanga uri wako kubiwa. Izvi hazviiti, zvisinei, zvinomisa chikwereti kubva pakuwedzera chikwereti. Kunyengera kunonyevera , zvakanakisisa, zvinongova "zizivo" kuti panogona kunge pane chimwe chinhu chakaipa nekuzivikanwa kwako, asi zvinongoratidza chete kuti munhu ane chikwereti anofanira kukutarisana asati atanga chero chikwereti muzita rako. Mune mamwe mazwi, inhema yenhema yekuchengeteka.
Ndekupi kwandinogona kuisa mari yangu pachikwereti?
Kusunungura chikwereti chako nekunyanya zita rebazi rimwe nerimwe:
- Experian
- Equifax
- Transunion
Chii Chinokweretesa Kuongorora?
Kubhadhara chikwereti ishumiro inowanikwa sebasa rekubhadhara kuburikidza nekambani yekudzivirira kushambadzira kambani.
Pane matatu huru huru iyo inochengetedza nhoroondo inoshandiswa yekodzero yako yekwereti. Vanhu vakawanda havaongorori chikwereti chavo kusvikira vachichida uye vobva vadzoka. Nekuongororwa kwechikwereti, kana imwe chete, uye netariro kuti yose yevatatu, yefaira yako yekodhafisi inotariswa nokuda kwebasa risingazivikanwe kana risina kujairika. Iwe unobva waburitswa nehofisi / maitiro ekuchengetedzwa kwehutano kana zviito zvataurwa.
Chii Chiri Kubiridzira Inyevero?
Kunyepedzera kushandiswa ibasa rinopiwa kuburikidza nemari yekwereti. Icho chinowedzera imwezve mhete yekudzivirirwa kuhuzivikanwa chako. Kana iwe, kana mumwe munhu, iwe ukakumbira chikwereti uchishandisa zita rako, uyo ane chikwereti kana muteresi achazobvunzwa kuti ave nechokwadi chako iwe asati akupa mutsara wechikwereti.
Kunyengera zviyeuchidzo ndezvenguva pfupi, uye zvinopera shure kwemazuva 90. Kunyangwe ichi chinhu chakanaka, chinenge chisinguva chiduku kuti chiongorwe sechishandiswa chenguva refu.
Kana iwe uri mumwe munhu akatova nehutano hwavo hwakakanganisa, unogona kuwedzera Chirwere Chekunyengedzera Chakuwedzera. Kuti uite izvi, shandisa kopi yeripupuriro yehupfumi hwekuzivikanwa iyo yakaiswa nekutongwa kwemitemo. Ichi chenjerera chichagara kwemakore manomwe.
Uyezve, kana iwe uri munhu anoshanda muchiuto, unogona kuita chikumbiro cheA active Duty Credit Alert. Izvi zvicharamba pane faira yako kwegore.