Kugakavadzana, Kubhadhara Kubvisa, uye Nzira Dzakanaka Dzinotsanangurwa
Kubvisa ruzivo rwakashata kuchakubatsira kuti uwane huwandu hwekwereti.
Bhuku rakanaka rekwereti chikwereti zvakare ndiro rinokosha kuti uwane mvumo yekwereti yemakadhi uye zvikwereti uye kuwana mhindu yakanaka yezvikwereti pane zvinyorwa zvaunogamuchirwa. Kuti ubatsire munzira yako kuti uwane chikwereti chiri nani, heano mamwe maitiro ekuwana ruzivo rwakashata ruzivo rwekwereti rwakabviswa kubva kumushumo wekwereti.
Tumira nharo kune vhesi yekwereti.
Iko Fair Credit Reporting Act ndeye mutemo weGurumende unotsanangura rudzi rwehuwandu hunogona kunyorwa pahupoti yako yechikwereti uye kwenguva yakareba (inowanzo makore manomwe). I FCRA inotaura kuti iwe une kodzero yekupa chikwereti chekwereti chakarurama uye nekuda kwekupa iyo, iwe unogona kukakavadza zvikanganiso pamwe nekodhi bureau .
Dhipoti yekodzero mhirizhonga inonyanya kushandiswa painenge iri paIndaneti kana kuburikidza nemeyili Kuti uite nharo paIndaneti , unofanira kunge uchangobva kuraira kopi yemukana wako wekwereti. Iwe unogona kutumira nharo nechechiremba yekwereti iyo yakapa ripoti yekwereti.
Kuti uite nharo kuburikidza netsamba, nyora tsamba inotsanangura ripoti rekwereti uye upe mifananidzo yehupi uchapupu hwaunacho.
Chikwereti chekwerekiti chinotsvaga kukakavadzana kwako nebhizimisi rakapa ruzivo uye rinobvisa mukova kana vakaona kuti ichokwadi iko kukanganisa.
Iwe unogona kukakavadzana nebhizimisi rakapiwa kune bhishopu.
Iye zvino, unogona kudarika zvakakwana chikwereti chekwereti uye kukakavadzana zvakananga nebhizimisi rakashuma iko kukanganisa kune zvikwereti zvekwereti, semugovera kadhi yemarikiti , bhengi, kana kuti chikwereti.
Iwe unogona kuita nharo mukunyora uye bhizimisi inotarisirwa kuti iite sarudzo sekufanana nekodhi bureau. Apo bhizinesi rakatarisa kuti kune chokwadi chiri kukanganisa pamushumo wekwereti yako, vanofanira kuzivisa zvikwereti zvose zvekwereti zvekanganiso iyo kuitira kuti zvikwereti zvekwereti zvigone kugadziriswa.
Tumira mubhadharo kuti upe chipo kune wako chikwereti.
Iwe unofanirwa kutaura nenzira yakanyatsorondedzera ruzivo rwakashata zvakasiyana. Chikwereti chekwereti hachizobvisa ruzivo rwakarurama, rwechokwadi kunyange kana iwe uchikakavhiringidza (nokuti kuongorora kuchajekesa kururama kwemashoko aya), saka iwe unogona kutaurirana kuti uwane zvimwe zvinhu zvakabviswa kubva kumushumo wekwereti yako.
Mubhadharo wekupera sangano ndiyo nzira yaungashandisa ne delinquent, kana yapfuura yakafanira, nhoroondo. Muchibhadharo chekupedza kukurukurirana, iwe unopa kubhadhara iyo yekodhi yakazara mukutsinhanisa kwekunyora kwezvinhu zvisina kunaka kubva mubhuku rako rekwereti. Vamwe vanokwereta vachakutora iwe pahupi.
Ita chikumbiro chakanaka chokubviswa.
Nebhadharo rekudzima, iwe unogona kushandisa mari sebhu bargaining kuti uwane ruzivo rwakasunungurwa kubva kubhorodhi yako yemari. Kana iwe wakatobhadhara kambani, zvisinei, hauna simba guru rekutaurirana. Pano, iwe unogona kukumbira ngoni nekukumbira kubvumirwa kubviswa .
Mutsamba kune uyo ane chikwereti, unogona kutsanangura kuti sei wakanga wakanonoka, taura kuti iwe wakambove uri mubhadharo wakanaka sei, uye unokumbira kuti nyaya dzive dzakataurwa zvakanaka. Zvakare, vateresi havafanirwi kuteerera uye vamwe havazoiti. Kune rumwe rutivi, vamwe vane chikwereti vanoita izvi zvisizvo kana iwe uchitaura kune munhu akakodzera.
Mirira kunze chikwereti chekuzivisa chikamu nguva.
Kana zvimwe zvose zvisingakwanisi, chisarudzo chako choga ndechekumirira izvo zvinhu zvisina kunaka kuti zvive pasi penyaya yako yekwereti. Nenzira yakanaka, mutemo unongobvumira chete ruzivo rwakashata ruzhinji rwunotaurirwa kwemakore manomwe. Izvo zvinoreva kubhadhara, izvo zvinogona kuziviswa kwemakore gumi. Mamwe mashoko akanaka ndeokuti ruzivo rwakashata runokanganisa chikwereti chako chekwereti kana chichikwira uye iwe paunenge uchitsiva nemashoko akanaka. Chimiro chingasave chakaoma sezvaunofunga.
Panguva ino, iwe unogona kuvandudza chikwereti chako nekuita nguva yakakodzera kubhadhara maakiti iwe uchiri kuzarura uye kushanda.
Chisingashandisi
Kushidzira kubhadhara hakubvisi ruzivo rwakashata kubva kumushumo wekwereti . Kana uye kana zvikwereti zvako zvabudiswa mubhadhadziro , zviyero zvichatswa se $ 0, asi nhoroondo dzichagara pahupoti yako yechikwereti. Mukuwedzera, nhoroondo dzakabatanidzwa mukuputsa kwako dzichaonekwa sezvo.
Kuvhara nhoroondo hazvizobvisi kudarika kwenhau. Kana iwe ukavhara nekodha nekodzero yakapfuura, chikwereti chako chichiri kuonekwa sechinyadzisa kusvikira iwe uchinge wawana mubhadharo. Chinhu chimwe chete chekuvhara kambani inokuchengetedza kuti usashandise.
Kubhadhara chikwereti chekudarika hakubvisi chikamu chisina kunaka pamushumo wekwereti yako. Kana ukangobhadhara chikamu, nhoroondo yekambani ichashanduka ku "Current" kana "Ok" chero bedzi iyo nhoroondo isingabhadharwi kana kuti kuunganidza . Mari yekubhadhara uye kuunganidzwa kwekodha zvicharamba zvichirondedzerwa nenzira iyo kunyange mushure mekunge iwe uchibhadhara chikamu.