Kuongorora chikoro chako chekwereti kamwechete pagore - kazhinji kana uri kuronga kubhadhara chikwereti chikuru-zvinokosha chikamu kuitira kuti ugone kuwana chero nhoroondo dzisiri yako. Paunowana nhoroondo isiri yako, kuigadzirisa kwakakosha. Kana iyo sarudzo ine chikwereti chakakwirira kana kuti mamiriro akaipa, chikwereti chako chikoro chinogona kuchinjwa nacho.
Nhamba Yakaipa Yakawana Sei Kubhadhara Mari Yenyu?
Dzimwe nguva kukanganisa kwevanhu ndiko kukanganisa kweakaunti dzisina kunaka dzinoratidzika pamusoro pekwereti yako chikwereti.
Mumwe munhu angave akashandura nhamba yacho nhamba yako yekuchengeteka kwevanhu. Kana kuti, pangava nemunhu ane zita rakafanana ne rako uye mapurogiramu ako echikwata akabatanidzwa.
Dzimwe nguva, idzi nhoroondo ndeye chikonzero chekubiridzira kana kubhakwa kwekuzivikanwa. Izvi zvinonyanya kuitika kana pane maverengi akawanda kune chikwereti chekwereti icho hachisi chako.
Nzira Yokubvisa Nhoroondo dzeNhema
Nenzira yakanaka, pane nzira yakananga yekujekesa mushumo wako wekwereti wekodha dzisiri yako. Dzimwe nguva nzira yacho inoshanda nguva yokutanga, dzimwe nguva unogona kudzokorora kana kutora imwe nzira yekuita kuti uchenese zvakakwana chikamu chako chekwereti.
Tanga nekuraira chikwereti chenhoroondo yako kubva kune matatu makuru makuru-credit - Equifax, Experian, uye TransUnion. Kana iwe wakatoti wakarayira mumwe, tora mamwe maviri mitsva yechikwereti kuti uone kana iyo mitsara ine mabhuku enhema, zvakare.
Dharirai nhoroondo nekodhi bureau iyo ine kero yakanyorwa pamushumo wekwereti yako.
Iwe unogona kuita izvi paIndaneti, nefoni, kana nekutumira. Kutumira nharo yako kuburikidza ne (yekutendeswa) mail kunokupa pepa nzira iyo inogona kubatsira kana chikwereti chekwereti chisina kugadzirisa kukakavara kwako. Mutemo weBurumende unokupa kodzero yekupa mhosva pamusoro pe credit bureau iyo isinganamati kumutemo.
Kana uine humwe uchapupu hunotsigira chirevo chako, unogona kutumira tsamba, fax, kana kuisa uchapupu huno. Iva nechokwadi chekutumira kopi uye kwete magwaro ako okutanga.
Zvakanaka, kupera kwekritikiti kuchadzoka muchidikanwi chako uye iyo nhoroondo ichabviswa kubva kumurairo wako wechikwereti. Iwe unogona kuwedzera tsananguro yekunyengedzera kune repoti rako rekwereti kana iwe uchifunga kuti pane mukana mbavha ingagona kuzarura mamwe maakaiti muzita renyu.
Dharirai nhoroondo yacho zvakare nekambani yakanyora iyo nhoroondo iri pamushumo wekwereti yako. Iwe unoda kuva neakavharwa kuvheta kuti udzivirire chero zvipi zvese zvamangwana zvinokonzerwa nekambani muzita rako. Kuva nekambani yekambani iyo account sechinhu chinonyengera chichatibatsira kuti chibvise kubva kubhudhi rekwereti yako.
Zvaunofanira Kuita Kana Account Isingabviswa
Kana kukakavadzana kwako kusina kubudirira, zvichida nokuti bhizinesi rakasimbiswa kune chikwereti chekriti kuti iyo yekodzero ndeyako. Kushanda nebhizinesi iyi kuratidza kuti iyo inonyengeri ndiyo yakatora danho rinotevera rokutora. Taura nemutungamiriri, mutariri, kana kunyange vamiririri vemutungamiri kana mutungamiri wekambani, kupa uchapupu hwokuti nhoroondo haisi yako.
Kunyunyuta kune Muteresi Wekuchengetedza Mari yeBhengi kunogona kukubatsira kuti uwane kambani yakaratidzwa sechinhu chinonyengera uye yakabviswa kubva kumushumo wekwereti yako.
Kunyange zvazvo CFPB isingamanikidze kambani kuti itore chiito iwe, kuva nebazi rehurumende rinobatanidzwa rinogona kukurudzira chikwereti chekwereti uye nhepfenyuro yemashoko kuti inotarisa zvakanyanya paakaunti yako. Makambani ane nhoroondo yekuita zvakaipa zvakatarisana nemirango kubva kuCFPB.
Iwe une kodzero yekupomera chikwereti chekwereti icho hachibvise kambani yechinyorwa kubva mushumo wako wekwereti mushure mokunge makakavhiringidza. Ichi ndicho chikonzero zvakakosha kuchengeta makopi emakamba ako ose nekodhi bureau. Kana pasina chimwe chinhu chishanda, taura nevatsigiri vemvumo yevatengi vanoita munharaunda yako kuti vataure kuzotora chikwereti chekwereti kune zvinokanganisa pasi pe Fair Fair Reporting Act .