8 Matanho ekubata Bhuku reKodhadhi yeKodhadhi
Kana iwe ukadzidza kuti mumwe munhu akazarura kadhi rechikwereti muzita rako pasina mvumo yako, tora matanho aya kuti ubudise kambani uye nhoroondo yako yechikwereti.
Taura neDhipatimendi Rokunyengera
Tsvaga zita rechikwereti chekwereti chekambani isina kubvumirwa. Taura nehurumende yavo yekunyengedza kuti iyo yakavharwa. Shandisa nhamba kubva pawebsite yekwereti yekwereti - kwete imwe yawakagamuchira kuburikidza nemusana usina kukumbirwa kana kuti foni. Rega kadhi rechikwereti chikwereti kuziva kuti nhoroondo haisi yako. Chikwereti chekwereti chikwereti chinogona kukumbira humwe humwe uchapupu, sehupoti yemapurisa kana chibhadharo chekuvhara mazita.
Ngwarira chero ipi zvese foni iwe unogamuchira kubva kune "kadhi rako rekubiridzira" rekwereti. Izvi zvinogona kunge zvichinyadzisa uyo ari kuedza kukuita iwe kuti upe ruzivo rwemunhu chaanogona kushandisa kuti aite unyengeri.
Cherechedza Zvaunofunga Nezvokubhadhara Mhosva
Iwe hausi iye ane mhosva chero ipi zvayo isina kutenderwa mhosva. Kana mumwe munhu achizarura kadhi rechikwereti muzita rako pasina mvumo yako, iwe hauna mhosva yemhosva yakakonzerwa nekadhi iroro.
Asi, iwe unofanira kutora matanho kuti uve nechokwadi kuti hauna kutongwa. Dzokorora unyengeri panguva yakakodzera uye kupa chero uchapupu hwekubhadhara kadhi rechikwereti.
Chengetedza Chikwereti Chako Chikwata Chekubata Chimwe Chekubiridzira
Panogona kunge kune yakawanda inonyengera yakazarura nyaya dzausingazivi. Chengetedza zvikwereti zvekwereti pane zvikamu zvitatu zvezvikwereti zvikwereti chikuru - Equifax, Experian, uye TransUnion - chengetera chero dzimwe nhoroondo dzinogona kunge dzakavhurwa muzita rako.
Iwe haufaniri kubhadhara chikwereti chekwereti kana uri kutsvaga mamiriro ekunyengera. Iwe unongotora kodzero yekuti usunungure kopi yemukana wekwereti yako yekwereti kana iwe wakambove wakarohwa nehupfumi hwekuziva.
Dzoza muDhipatimendi Kubvumira Affidaviti
Dhiyabhorosi yeft Theft Affidavit fomu ndeyekuzvidira, asi inogona kukubatsira kuti uwane kambani dzakashata dzakabviswa kubva muhupoti yako yekwereti inokurumidza. Iwe unoda zvakare fomu kana iwe ukasarudza kuisa zveruzhinji zvakangwarira zveruzhinji kune yako chikwereti report (makore manomwe emakore ekutsauka kwekutsvaira vs. zuva remazuva ekutanga kukanganisa). Iwe unogona kupa chidziro chekuvharwa kweDhiyabhorosi kumapurisa emunharaunda yako kuti ubatsire nemapurisa avo mushumo.
Faira Mapurisa Anoti
Kana iwe uchiziva kuti ndiani akazarura maakare aya, unogona kuita kuti munhu iyeye atongwe. Kunyange kana iwe usingakwanisi kusimbisa kuti ndiani akazarura kambani yonyengeri, iwe unofanirwa kuisa repoti yemapurisa. Nhoroondo yemapurisa ichave yakakosha pakuita kuti nyaya idzi dzivharwe uye dzabviswa kubva kumushumo wekwereti yako.
Kurwisana Nezvokupomera Zvokunyengera Neye Chero Chakwereti
Tumira kopi yemapurisa ako mushumo uye ID Kuvharwa kwevimbiso kune mahofisi ehurumende sehuchapupu hwokuti nhoroondo dzechinyengeri haisi yako. Pasina magwaro aya, chikwereti chekwereti hachibvise zvinyorwa zvenhema kubva mushumo wekwereti yako kunyange zvazvo vasiri ivo vako.
Iva nechokwadi kuti maakaiti acho akabviswa kubva kumugumo wako wekwereti. Zvikwereti zvekwereti zvinofanirwa kutumira gwaro rekubhadhara rusununguko nguva dzose chero nguva iyo mvumo yako yekwereti inokonzera kukonzera mukushandura kugwaro rekwereti yako. Kana ukangowana gwaro rako rechikwereti, rudzorere zvakare kuti uone kuti nhoroondo dzechinyengeri dzakabviswa. Dzokorora hurongwa hwekukakavadzana kana iyo nhoroondo dzisina kubviswa kubva kumushumo wekwereti yako.
Iwe unobvumirwa kuisa mhosva pamusoro pe credit bureau iyo inokundikana kubvisa zvinyorwa zvisinganzwisisiki kubva kumurairo wako wekwereti. Muna July 2013, Equifax yakarasikirwa nemhosva ye $ 18,6 mamiriyoni ekukundikana kubvisa ruzivo rwakashata kubva kumukadzi wechikwereti mushumo pasinei nemakakatanwa ake masere.
Funga nezveKuchengetedzwa Kwakawedzerwa Kwekukwereta Kwako
Iwe unogona kuwedzera kunyevera kwekunyengera kana kuchengeteka kunokonzera kumbiko wako wekwereti kuchengetedza chikwereti chako kubva pakurwiswa kwemangwana.
Icho chinyengeri chekunyengera chinoudza munhu wose anoongorora chikwereti chako chekwereti kuti ivo vanofanira kutora matanho ekusimbisa kuti iwe ndiwe unokumbira chikwereti. Iko zvino kukwira kune bhizimisi kuti uone kuti munhu anokumbira chikwereti iwe chaizvoizvo iwe. Nekuchengetedzwa kwekuchengeteka , mharidzo yako yechikwereti yakavharwa uye bhizimisi haigone kuongorora zvachose kunze kwekuti iwe uchitsemura iyo kutanga.
Ramba uchicherechedza chikwereti chako - nekuraira mari yako yekwereti yepachena kuburikidza neChishanuCreditReport.com - inokosha kubata uye kuchenesa matanho ekubavha kwekuzivikanwa vasati vatanga matambudziko sekukudzivirira kutenga kutenga imba itsva kana motokari.