Bvisa zvikwereti zvikwereti zvekwerekiti nemakakatanwa epoti rekwereti
Hazvisi zvisizvo kune zvikwereti zvikwereti kuti zvine zvidzidzo. Chinhu chipi zvacho kubva pamabhadharo asinganzwisisiki kumabhadharo asiri edzi kana kuti zvichida kunyange kukanganisa kwenhema kunogona kukanganisa kupedzisa pamushumo wekwereti yako.
Nemhaka yokuti mabhizinesi akawanda anoshandisa ripoti rako rechikwereti kuti uite zvisarudzo pamusoro pekwereti yako, zvakakosha kuti ripoti rako rechikwereti rakarurama.
Mutemo weBurumende unokupa kodzero yekupa chinyorwa chakanaka chekwereti. Zvikwereti zvekwereti hazvibvumirwi kuudza chero chinhu chisina kururama, chisina kukwana, kana chisingazivikanwi. Kutenda kurongwa ihwohwo mu Fair Fair Reporting Act , une kodzero yekukakavadzana kukanganisa kuti uibvise kubva kumushumo wekwereti yako.
Chengetai Chikwereti Chako Chiitiko Chezvikanganiso
Nzira yakanakisisa yokuwana zvikwereti zvekwereti chikwereti ndeyekutarisa kopi yemutero wako wekwereti. Kune nzira dzakawanda dzekuita izvi. Iwe unogona kuwana mari yegore negore yemarikiti kubva kubasa rimwe nerimwe kamwe pagore kuburikidza neChishanuCreditReport.com. Iwe unobvumirwawo kuti uwane ripoti yemari yechikwereti kana iwe uchangobva kushandurwa nekuda kwekwereti yako yekwereti kana iwe usingashandi uye uronga kutarisa basa nokukurumidza, kana iwe uchigamuchira rubatsiro kana hurumende rubatsiro, kana akave akabatwa nehupombwe .
Dzimwe nyika dzine mitemo inokutumira iwe kubhizimusi rebhadharo gore rega rega kuwedzera kune gwaro rekubhadhara rusununguko raunowana kubva kune dzimwe nzvimbo.
Kana iwe usingakwanisi kuwana mhanho yemari yechikwereti, iwe unogona kuraira imwe kuburikidza nemabhadharo ebhadhara kubva kune $ 10 kusvika ku $ 20, zvichienderana nehofisi.
Iwe unofanirwa kuongorora zvose zvitatu zvemakero ako emakwereti nokuti hazvirevi zvakafanana.
Zvinogona kukuvadza kuita izvi zvose kamwe chete, kuitira kuti ugone kushanda kune rimwe repoti rechikwereti pamwedzi kana kwekota.
Kana uchinge waine zvikwereti zvako, tora nguva yekutarisa kuburikidza navo uye kusimbisa zvinhu zvaunosanganisira mubhidhiyo yako yemakakatanwa nharo.
Ziva Iko Chikwereti Chikwereti Zvikanganiso Unogona Kurwisana
Unyanzvi, iwe unogona kukakavara chero chinhu, asi cherechedza chikwereti chikwereti chichaita tsvakurudzo uye ingobvisa zvinhu izvo mutemo unoda kuti vabvise. Iwe unogona kupikisa chikwereti chekwereti zvinhu izvo zvisina kururama, zvisina kukwana, kunze kwemasikati, kana kuti iwe unotenda haigoni kuvimbiswa. Zvinhu zvakashata, kunze kwekushaya mari, zvinongowanikwa chete pamushumo wekwereti kwemakore manomwe; kukanganisa kunogona kuramba kwema 10. Kana uine maitiro akaipa asina makore manomwe, iwe unogona kuvapikisa. Zvimwe zvinhu zvaunogona kupikisa zvinosanganisira:
- Mitsara inonzi yakapera nguva refu yaive panguva chaiye
- Nhoroondo dzisiri yako
- Haina kukwana chikwereti chekwereti / chikwereti chekwereti kana kuenzanisa kwebhuku
- Mukwereti asina kukwana
- Nhoroondo yechirangarudzo isina kukwana, somuenzaniso, nhoroondo yekambani inonzi yakapfuura yakakodzera apo iyo nhoroondo iripo ikozvino
Sarudza Maitiro Aungaita Nharo Yako
Iwe unogona kuisa chikwereti chako chekwereti mhirizhonga paIndaneti, nekutumira, kana pamusoro pefoni. Kuti uite nharo paIndaneti kana nefoni, unofanirwa kuraira kopi yemutero wako wekwereti mukati memwedzi wapfuura uye iwe uchada kupa nhamba yako yekwereti yekwereti kuti uiratidze.
Online
Nekukakavhiringidza zvikwereti zvekodzero yemakeroti muIndaneti zviri nyore, pane zvimwe zvinetso. Kana iwe uchikakavhura paIndaneti, unogona kuwana mhinduro yemakakatanwa ako paIndaneti. Kana iwe ukakavhiringidza paIndaneti, unogonawo kutarisa mamiriro emakakatanwa ako paIndaneti nekupa nhamba yako yekusimbisa, asi iwe unogona kuwana mhinduro chete paIndaneti, kwete nekutumira. Iwe haungakwanisi kupedzisa mushanduro wese wepaIndaneti sezvaunenge uchiri kutumira mameseji mune chero magwaro kana uchapupu hunotsigira nharo yako.
Kana iwe ukasarudza kupikisa chikwereti chako chekwereti paIndaneti, unogona kushandisa zvinyorwa izvi kune mapeji makuru ekuremekedza zvikwereti kuti upe mvumo yekukwereta kwekwerekheni muInternet:
- Equifax
- Experian
- TransUnion
By Mail
Kupedza chikwereti chekwereti nharo pamusana kunotora nguva yakawanda, asi kunokupa mapepa emapepa aunoda kana chikwereti chekwereti chisingapinduri panguva yakakodzera.
Zvikwereti zvekwereti zvine mazuva makumi matatu kuti uongorore uye upindure kune mvumo yako yechikwereti chekwereti , kana kuti mazuva makumi mashanu kana uchitumira humwe humwe uchapupu munguva yekuongorora. Kana vasina kupindura munguva iyoyo, une kodzero yekupomera muDare reDare rinosvika $ 1 000.
Apo uri kupikisa chikwereti chekwereti chikwereti kuburikidza netsamba, iwe uchada kunyora tsamba inotsanangura ruzivo rwunofanira kubviswa uye kusanganisira chikonzero icho chinyorwa chisina kururama. Iva nechokwadi chokuti unosanganisira kopi yehupupu hwekanganiso, kana iwe uine iyo. Tumira tsamba kuburikidza netsamba yakagadziriswa neresi yekudzoka inokumbirwa kuitira kuti iwe uve nehuchapupu hwekuti iwe wakaita nharo uye apo mukwereti akaigamuchira. Iva nechokwadi chekuti unochengetedza nguva yakapfuura.
Pamusoro pefoni
Panogona kunge pane nhamba yakanyorwa pamushumo wekwereti yako kuti utumidze kupikisa zvikanganiso zvekubika. Kana pasina, iwe unogona kusvika kune zvitatu zvikwereti zvemari pane idzi nhamba:
- Equifax: 1-866-349-5191
- Experian: 1-888-397-3742
- Transunion: 1-800-916-8800
Chengeta rekodhi yawakadana, wawakataura naye, uye chero ruzivo rwawakakupa pamusoro pemakakatanwa ako. Mune zvimwe zviitiko, zvakadai sekunyengedza, kunyange kana iwe wakatumira nharo yako kuburikidza nemakero kana paIndaneti, unogona kubvunzwa kudana chikwereti chekwereti chekwereti kuti upe mamwe mashoko.
Nhaurirano Maitirwo eEll Major Credit Bureaus
Equifax
PO Box 740256
Atlanta, GA 30374
Experian
PO Box 4500
Allen, TX 75013
TransUnion LLC
Consumer Dispute Center
PO Box 2000
Chester, PA 19016
Chimirira Chikwereti cheBhengi Chakupindura kuCredit Credit Report Kurwisana
Chikwereti chekwereti chinogona kupindura pamakakatanwa ako nekukurumidza kubvisa ruzivo rwawakapokana. Zvisinei, vane kodzero yekugadzirisazve zvinhu zvakambobviswa kana zvinhu izvozvo zvichisimbiswa zvakare. Kana izvozvo zvikaitika, chikwereti chekwereti chinofanira kukuzivisa iwe, kunyora, kuti chinhu chacho chakadzoserwa pamushumo wekwereti yako.
Chero chero dhesi iwe wawakapa pamusoro pekusagadzikana kweruzivo ichaendeswa kumudzidzi wepakutanga wemashoko. Mupi wekupa ruzivo anobva adikanwa kuti aongorore uye aite zvekare kumakero ekwereti.
Kana paya kuongororwa kwapera, chikwangwani chekwereti chichakupa nemigumisiro, pamwe chete nekopi yepachena yeripoti yako yekwereti kana kukakavara kuchiguma nekuchinja. Iwe unogona kukumbira kuti zvikwereti zvikwereti zvitumire chiziviso chekururamisa kune imwe kambani yakawana ripoti yako yekwereti mumwedzi mitanhatu yapfuura.
Kana pane ruzivo rwusina kururama mune imwe shanduro yekwereti yekwereti yemuongorori wekwereti yako, zvichida kuti ruzivo ruchave rusinganzwisisike kune mamwe mahofisi maviri e-bureaus zvakare. Iwe unofanirwa kutarisa zvose zvitatu zvinyorwa zvekwereti kuti uve nechokwadi chokuti ruzivo rwega roga rwakakwana uye rwakarurama.
Dzimwe nguva chikwangwani chekwerekiti chinopindura kuti kukanganisa kwawakakakavadzana kwakagadziriswa nemutengi. Izvi zvinogona kuitika kana pane kukanganisa mukati mehurongwa hwekwereti uye harina kuonekwa mukutsvaga. Kana izvi zvichiitika, unogona kudarika chikwereti chekwereti uye kukakavadzana nekanganiso zvakananga nemunhu ane chikwereti .
Mhando dzehupatidzo dzekutumira neKwereta kweMari Yenyu
Iwe uchada kuisa uchapupu kana pane chimwe chinhu chisina kunaka nekero yako, zita, zuva rokuzvarwa, kana nhamba yako yekuchengeteka kwevanhu. Iwe unogona kutumira kopi yelayisensi yako yekufambisa, chirevo chekubhadhara chazvino, kana kadhi rako rekuchengetedzwa kwevanhu kuti ugadzirise nyaya idzi. Uchapupu hunogonawo kuva chekuregererwa chekuratidzira kuti iwe wakabhadhara chikwereti chako panguva kana kuti chirevo chekubhadhara munguva pfupi ichi chinoratidza chikamu chako chekadhi rechikwereti kana kuenzanisa. Iva nechokwadi chekutumira kopi yechipupuriro uye kuchengetedza zvinyorwa zvepakutanga kumafaira ako.
Kana iwe uchitumira humwe humwe uchapupu mushure mekunge watotumira nharo yacho, chikwereti chekwereti chine mazuva makumi mashanu, pane makumi matatu, kupindura kukakavadzana kwako.
Zvinhu Zvakaoma Zvikuru Kubvisa Kubva Kwaunoita Chikwereti Chinyorwa
Zvimwe zvinhu zviri nyore kubvisa kubva kumushandi wako wechikwereti kupfuura vamwe nokuti zvinhu izvi zviri nyore kuratidza uye zvishoma kuti hazvina kukanganisa. Zvimwe zvinhu zvese nyaya yeruzhinji zvakaoma kubvisa. Izvi zvinosanganisira kubhadhara, kufambisa, kudzorera, kutongwa kwemhosva, uye kusagadzirisa chikwereti, kunyanya chikwereti chevadzidzi chisina kukwana. Dzimwe nguva zvakaoma kuti izvi zvibvise kunyange kana zvisiri izvo zvakarurama.
Kana uine zvinyorwa zvakajeka zvevanhu pamushumo wekwereti yako, edza kushanda zvakananga nedare kana sangano rine chinhu chakanyorwa pamushumo wekwereti yako. Kana vachinge varongedza zvinyorwa zvavo kuti varatidze zvakarurama, zvingava nyore zvikuru kushanda pamwe nekwerekiti chekwereti kuti ujekese ripoti rako rekwereti. Vanokweretesa nemamwe mabhizimisi anonyorera kune zvikwereti zvikwereti vane basa rakafanana rokuongorora uye kujekesa zvikanganiso zvemarikiti yechikwereti. Saka kana chikwereti chekwereti chiri kusindimara, unogona kuenda zvakananga kune chitubu uye unopikisa kusagadzikana nemunhu ane chikwereti.
Ivai nechokwadi kuti Makakatanwa Ako Akanaka
Iva nechokwadi kuti hauiti chero chinhu chipi zvacho kuti uite chikwereti chekwereti chifunga kuti zvikwereti zvako zvekwereti zvikakavadzana zvakashata. Usapikisa zvinhu zvose pamushumo wekwereti yako uye usatumira zvachose kukakavadzana kwako kamwechete. Kana iwe ukakavhiringidza chinhu chimwechete kamwe chete, unofanira kupa chikonzero chakasiyana chepikisano imwe neimwe, saka chikwereti chekwereti hachifungi kuti uri kutumira zvinyorwa. Chikwereti chekwereti chine kodzero yekuona nharo dzako dzisinganzwisisi uye kana izvozvo zvichiitika, hofisi inewo kodzero yekuramba kukakavadzana kwako.
Sample Phrasing for Letter Dispute Letter
Kune nzira shomanana dzakasiyana dzekutaura tsamba yako yemakakatanwa. Iva nechokwadi chokuti iwe unogadzirisa kusawirirana kuti ukwanise mamiriro ako.
Muenzaniso 1
> Ndakatarisa kopi yemugove wangu wechikwereti uye ndakawana kukanganisa ne GE Capital Account XXXX-XXXX-XXXX-1234. Nhoroondo yacho yakanyorwa semazuva makumi matatu ekupedzisira. Zvisinei, handina kumbobvira ndanonoka panyaya iyi. Ndapota bvisa mashoko aya asina kururama.
Muenzaniso 2
> Ndakatarisa kopi yemugove wangu wechikwereti uye ndakawana nhamba dzakawanda dzenyaya dzakaipa dzinopfuura makore manomwe. Heano nhoroondo dzinofanira kubviswa:
- > WFNNB / Express XXX-XXX-XXX
- > Verizon Visa XXXX-XXXX-XXXX-XXX
Muenzaniso 3
> Ndakatarisa kopi yeripoti yangu yechikwereti uye ndakawana kukanganisa. Nhoroondo ye Chase XXXX-XXXX-XXX-3456 haisi iyo account yangu. Handina kumbobvira ndava nenyaya neChese Bank . Ndapota bvisai kambani iyi kubva kumushumo wekwereti.