Iko Fair Credit Reporting Act inokupa kodzero yemashoko ekururama uye akakwana. Kana iwe ukawana nguva dzisina kufanira, dzisina kukwana, kana dzisina kururama pamusoro pehupoti yako yekwereti, une kodzero yekuitisana nharo uye kuti iibvise kana kuvandudzwa.
Sarudzo dzeChirangaridzo Chikwere ChiNhoroondo
Iwe une zvingasarudzwa zviviri zvekupikisa credit report information.
Iwe unogona kukakavadzana ne-credit bureau, iyo iyo ikambani inotarisirwa kuunganidza chikwereti chekwereti yako kubva pane ruzivo rwakagamuchirwa kubva kune vako vane chikwereti.
Kana, iwe unogona kupikisana zvakananga nemunhu ane chikwereti kana bhizinesi uyo akapa ruzivo kune zvikwereti zvekwereti.
Tanga nekukakavadzana ne-credit bureau, ipapo kana chikwereti chekwereti hachibvise kana kuvandudza ruzivo rwaunofarira iwe, unogona kutevera nemakakatano kune chikwereti uyo akapa ruzivo.
Kupikisana neCredit Bureau
Iwe unogona kukakavhura ruzivo rwekwereti chekwereti zvakananga nechechirongwa chekwereti kana paIndaneti kana nekutumira.
Kutanga kukakavadzana kwepaIndaneti, unofanira kutanga utayira mushumo wechikwereti. Mushure mokuraira chikwereti chako chekwereti paIndaneti kana wegore re AnnualCreditReport.com kana webhusaiti yebhorodhi, iwe unogona kupikisa ruzivo rwakashata pawebsite yekwereti yeCredit - Equifax.com, Experian.com, kana TransUnion.com. Mumwe nomumwe wekodhi yekodhi anofanira kupa nzira yekuraira, fax, kana kuti maimepi epaimeri anotsigira kukakavadzana kwako, semuenzaniso cheko chekuregererwa chekuratidzira kuti iwe wakapa mubhadharo nenguva.
Kana iwe uchikakavhura paIndaneti, ona musi wawakatumira nharo yako kuitira kuti uite maererano nekodhi bureau kana iyo isina kupa mhinduro munguva yakakodzera. Shingai kopi yeshoko chero ripi zvaro rinotsigirwa nekodhi bureau uye richengetedze marekhodi ako.
Kuti uite nharo nemishumo, nyora ruzivo rwekwereti tsamba inopikisana netsanangudzo yekutsanangura mhosho.
Tumira tsamba yako kune vhesi yekwereti iyo yakapa ruzivo rune mhosho - yose mitatu yemari yechikwereti kana zvikamu zvitatu zvezvikwereti zvekwereti zvine iko kukanganisa. Heino mazita ekutumira kune imwe yega yekwereti:
Equifax
PO Box 7404256
Atlanta, GA 30374-0256
Experian
Dispute Department
PO Box 9701
Allen, TX 75013
TransUnion
Consumer Solutions
PO Box 2000
Chester, PA 19022-2000
Paunotumira chikwereti chikamu chekukakavadzana, iwe unofanirwa zvakare kutumira makopi euchapupu iwe unofanira kutsigira kuda kwako. Chengetedza zvinyorwa zvepakutanga pane zvinyorwa zvako.
Tumira nharo yako kuburikidza netsamba yakagadziriswa, saka iwe unokwanisa kutarisa tsamba yako uye uone kuti zvikwereti zvekwereti zvinopindura nenzira yakakodzera. Chikwereti chekwereti chine mazuva makumi matatu kusvika ku45 kutarisana nemakakatanwa ako achikuita kuti uzive mugumisiro wekutsvakurudza kwavo.
Kupikisana NeMupi Wemashoko
Kana iwe uchikakavadzana nemukwereti wechikwereti uyo akapa ruzivo kune makambani ekubika zvikwereti, iyo nzira yakafanana nekukakavadzana nekodhi bureau. Nyora tsamba inoratidza kukanganisa kwawakawana uye tsanangura kuti nei ruzivo irworwo rwakarurama. Zvakare, kana iwe une uchapupu hunotsigira zvaunotaura, tumira ma kopi ayo.
Iwe unogona kuwana kero yebhizimisi nekutsvaga chirevo chekubhadhara chazvino.
Iva nechokwadi chekutarisa paateri iyo inoreva kumubvumirano; inowanzosiyana nekero yaunotumira mari. Kana iwe usingakwanisi kuwana kero, kana kuti iwe haunazve zvinyorwa zvekubhadhara, dana kambani uye bvunza kero yakakodzera yekutumira tsamba.
Mupi wekupa ruzivo anodikanwa kuti aite upfumi, sekuita sezvikwereti zvekwereti, uye kuvandudza mushumo wako wechikwereti kana ruzivo iko zvechokwadi iko kukanganisa.