Mishumo yezvokurondedzera inounganidza mashoko pamusoro pekwereti yako yemari
Zvikwereti zvekwereti, zvinonziwo zvikwereti zvekubhadhara chikwereti, makambani anounganidza nekuchengetedza vashandi vechikwereti ruzivo ndokubva avhurazve kune mamwe mabhizimisi nenzira yeshoko rekwereti. Vose vari vatengi-vanotengeserana, kune-makambani makambani-haasi ehurumende. Hurumende inoita, zvisinei, ine mitemo- Fair Fair Reporting Act (FCRA)-iyo inotungamirira kuti aya uye mamwe mabhizimusi emari anogona sei uye anofanira kushanda.
Izvo Zvikwereti Zvokutora Zvikwereti Zvino ... uye Zvavasingaiti
Zvikwereti zvikwereti zvekwereti zvinowana ruzivo rwakabatanidzwa nekwereti kubva kumakambani aunoita bhizinesi naro. Vanowanzokwevera zvinyorwa zvinokosha zvevanhu , semitero yemitero kana ruzivo rwekubhadhara, uye inosanganisira izvi mumutauriri wako wechikwereti zvakare.
Zvadaro vanotengesa chikwereti chenyu mazano kumabhizimisi ane chikonzero chepamutemo chekuchiongorora. Somuenzaniso, kambani yawakashandisa kubhadhara chikwereti nayo yaizova nechikonzero chakakodzera chekutarira chikwereti chenhoroondo yako. Mashoko ako anogona zvakare kutengeswa kumakambani anoda kukudzivirira iwe nekuda kwemishonga yavo uye mazano.
Asi zvikwereti zvekubhadhara chikwereti zvinogona kupa chete ruzivo uye zvishandiso zvekushandisa kubatsira mabhizimusi kuita zvisarudzo pamusoro pekuda kukupa iwe chikwereti uye kuti ndeupi rudzi rwekuda kwavanofanira kukubhadhara iwe. Mahofisi avo pachavo haaiti izvo zvisarudzo.
Credit Reporting Agencies Are Separate Entities
Zvikwereti zvekwereti zvinowanzova neukama hwebhizimisi nemabhangi, kadhi rechikwereti vanotengesa, uye kunyange mamwe mabhizinesi angave uine nhoroondo pamwe chete.
Nhoroondo yako ye-akhawunti ichaonekwa pane imwe chete kana kuti yese yemakero enyu emakero kubva kune awa masangano nekuda kwekubatanidza.
Makambani ekubhadhara chikwereti haafaniri kugovana nhaurirano yekombiyamu yako. Vakatora chikwereti vangave vanopihwa kune zvitatu zvezvikwereti zvikwereti zvekwereti kana kune imwe chete yavo kuitira kuti mamwe emashoko ari muchikwata chako chekwereti ave akasiyana pane imwe neimwe.
Zvakakosha kuti nguva nenguva uongorore mishumo yako kubva kune dzakawanda dzemasangano sezvinobvira kuti uone kuti zvinhu zvose zvakarurama.
Apo vanokwanisa kutenga chikwereti nevakweretesi vanoongorora chikwereti chako, vanogona kudhonza mushumo wekambani yekwereti panzvimbo pezviverengero zvavo. Kazhinji kazhinji hazvibhadhari kuti mabhizimisi aongorore chikwereti chimwe chete chekwereti.
Mamwe MaEse Anoshumo Anokosha
Zvimwe zvikwereti zvezvikwereti zvinonyanya kune dzimwe mhando dzekubika kuitira kuti vamwe vakweretesa kana makambani vangave vakabatanidzwa zvakare kutenga mitsara kubva kwavari kupfuura kune vamwe, zvichienderana nezvinodiwa. Semuenzaniso, PRBC / MicroBilt inoshumira zvikuru avo vanopa zvikwereti kune avo vanofarira kupa zvikwereti kune vanhu vane mari shoma uye avo vane mvumo yepamusoro. Innovis inopa chete data inobatsira kutsigira unhu hwako nekuda kwekudzivirira kukanganisa nekuona.
Aya masangano akajeka angasakwanisa kuunganidza mashoko ose pamusoro pekwereti chenhoroondo yako asi chete ruzivo rwakakosha kune rutivi rwavo. Semuenzaniso, vamwe vanonyanya kuongorora kushandiswa kwevashandi asi vamwe vanobata nhoroondo dzezororo dzevaridzi venyika. Nzvimbo dzezvemari dzine mazita avo ezvematongerwo enyika, kusanganisira Telechek uye ChexSystems, iyo inotarisa basa rebhangi rebhangi sere overdrafts.
Dzimwe hurumende dzakasiyana nedzimwe mishonga kana yehupfumi.
Paunenge Uchida Kutarisa Mahofisi Ekubhadhara
Iwe une kodzero yekuona zvikwereti zvako zvekwereti uye iwe une kodzero yekuraira mushumo wakasununguka kubva kune imwe yemasangano makuru makuru ekubvisa chikwereti kamwe kamwe pagore. Ingoshanyira AnnualCreditReport.com kuti uite chikumbiro chacho. Iwe unogonawo kuwana kopi yemugumo wako pasina kana iwe wakamboderedzwa kune chikwereti, asi iwe unofanirwa kuita chikumbiro mumazuva makumi matanhatu.
Iwe unogona kutenga chikwereti chako chekwereti zvakananga kubva kune imwe yebazi rekubika chikwereti chero nguva. Maviri emasangano makuru, Equifax uye Experian, anopa zvikwereti zvekwereti izvo zvinosanganisira mashoko kubva kune matatu makuru ehurumende ekubika zvikwereti mune imwe rugwaro.
Kupikisa Mashoko Mukurondedzera Kwako
Iwe unogonawo kusangana nekambani yemarikiti zvakananga kupikisa mashoko asina kururama wawawana muhupoti yako, kana kuti kutenga yako chikoro chikoro.
Izvi zvakasiyana nedhipoti rekwereti. Nhamba yako inotorwa kubva kune ruzivo muhupoti yako yemari.
Iwe unogonawo kunge uchida kusvika kune imwe sangano rekukweretesa chikwereti kuti uise zveruzivo rwekunyengera kana kuchengeteka kuvhara mushumo wako wekwereti kana iwe une chikonzero chekutenda iwe uri chibharo chekutsva kwekuzivikanwa.
Contact Information
Kune hurumende dzakawanda dzekubika zvikwereti muU.S., asi vanhu vakawanda vanoziva nevakuru vatatu:
- Equifax : PO Box 740241, Atlanta, GA 30374-0241, 1-800-685-1111
- Experian : PO Box 2104, Allen, TX 75013-0949, 1-888-EXPERIAN (397-3742)
- TransUnion - PO Box 1000, Chester, PA 19022, 1-800-916-8800
Tsvaga ruzivo rwemamwe mabhizinesi ezvikwereti anosanganisira:
- PMBC / Microbilt: PO Box 440693, Kennesaw, GA 30160, 1-888-222-7621
- SageStream: PO Box 503793, San Diego, CA 92150, 1-888-395-0277 (Chinhu 1)
FICO Haisi Chikwereti Bureau
Iko Fair Fair Corporation (FICO) imwe ikambani huru mumakambani echikwereti. FICO yakagadzira uye inochengetedza FICO chikwereti chikwereti , asi haisi chikwereti chekwereti. Kunyange zvazvo FICO inobatanidza chikoro chekwereti zvichibva pane zvinyorwa kubva kune huru huru yemari yechikwereti, havatore dhipoti yemarikiti yemari pachavo pachavo.