Paunenge uchitambura nekwereti chikwereti, makambani ekugadzirisa zvikwereti anonzwa semhinduro yakakwana yekukubatsira kuwana chikwereti chako kumashure zvakare. Nokuda kwekubhadhara, makambani aya anovimbisa kubvisa ruzivo rwakashata kubva kumushumo wekwereti, kuchinja nemashoko akanaka, uye kukusiya iwe nekunaka mari yechikwereti. Zvinosuruvarisa, chikwata chekugadzirisa chikwereti chakazara nemakambani ane chinangwa chega chega chekutengesa vatengi.
Kuva nechido chekwereti yakanaka kunogona kukusiya uchinetseka kune zvikwereti zvekugadzirisa chikwereti . Usazvirega iwe pachako ushandiswe.
Marikiti yekugadzirisa masangano inotungamirirwa nemutemo unozivikanwa seCredit Repair Organizations Act . Uyu mutemo wezvematongerwo enyika unoda chero basa rekugadzirisa chikwereti kuti rizadzise zvimwe zvinotarisirwa kwauri. Kwose kambani yekugadzirisa chikwereti iyo isingatevedzeri mitemo iyi inogona kunge yakanganisa.
Zviratidzo Zvinomwe zveCharving Repair Scam
Iwe unogona kunge uchingoparadzaniswa kana chimwe cheizvi chiri chechokwadi:
- Iwe hauna kupa kopi ye "Consumer Credit File Rights Under State uye Federal Law" kukuzivisa iwe kodzero dzako kuwana gwaro rekwereti uye kukakavadzana kwekodzero yemashoko ehupfumi yemashoko . Mamwe makambani ekugadzirisa chikwereti anodiwa kukuzivisa iwe kuti unokwanisa kuita izvi mavhisi iwe pachako.
- Iwe hauna kupa kopi yesangano kuti uone usati wabvunzwa kuti uisayine. Usabvumirana kana kubhadhara mabasa asati waziva zvauri kunyora. Verenga kuburikidza nechibvumirano chekuita kuti ave nechokwadi chokuti rine zvese zvakakosha.
- Chibvumirano hachina zvinyorwa zvinotevera:
- Mari yauri kuripirwa
- Tsanangudzo pamusoro pebasa rinoitirwa iwe
- Zuva iro maitirwo achaitwa (kana nguva inotarisirwa kuita mabasa)
- Zita uye bhizinesi rebhizimisi resangano
- Mutsara unokuzivisa iwe unogona kubvisa kontrakiti mukati memazuva matatu
- Unokumbirwa kubhadhara mari isati yaitwa. Mutemo unorambidza makambani ekugadzirisa zvikwereti kubva pakubhadhara mari yepamusoro. Iyi inzvimbo umo makambani akawanda ekugadzirisa chikwereti anoputsa mutemo; mamwe makambani angave asingazivi kuti haafaniri kutengesa vatengi mberi.
- Iyo kambani inopikira kubvisa ruzivo rwakanyatsorondedzerwa kubva kune repoti rekwereti . Mutemo, ruzivo urwu nderwe ruzivo rwekwereti yako, asi makambani ekugadzira zvikwereti dzimwe nguva anoedza maitiro ekutsvaga (kufanana newe kuti iwe unobata mazita ekubavha) kubvisa ruzivo rwakarurama kubva kumuradhi wako wekwereti.
- Iko kambani inopikira kukusika kana kukukumbira iwe kuti uumbe, chi "chitsva" chiziviso nehuwandu hutsva hwekuchengeteka kwevanhu kana huwandu hwehuwandu hunoshandiswa nevashandi (EIN). Mune imwe chikwereti chekugadzirisa chikwereti, kambani yekugadzira chikwereti inoumba mvumo mitsva yechikwereti uye iwe unoshandisa zvese zvinokonzerwa nezvikwereti zvemari nemashoko iwayo pane nzvimbo yako yekare yekuchengetedzwa kwevanhu.
- Unokumbirwa kusaina fomu kuisa kodzero dzako pasi pe CROA. Nenzira yakanaka, CROA inodzinga chero kuregererwa kwekodzero kambani yekugadzira chikwereti.
Pane Chero Chekugadzirisa Chikwereti Chingave Chivimbwa?
Zvinenge zvakanyanyisa kutaura kuti makambani ose ekugadzirisa zvikwereti anotengesa.
Tenga zvakapoteredza pakati pemakambani mashoma akasiyana pane kugadzirisa pane yekutanga iwe unoona. Enda kune imwe kambani yauri kufungisisa nehutano hwakanaka hwekusava nechokwadi.
- Kambani yekugadzirisa chikwereti inokurukura iwe usati wataura nezvesarudzo yekwereti yako: Hapana kambani inogona kukuudza chaicho chavanogona kuita nekuda kwekwereti yako kana ivo vasingazivi chikwereti chenhoroondo yako. Imwe kambani yakatendeseka yekugadzirisa chikwereti ichabvunza mibvunzo pamusoro pekwereti yako yekwereti uye inokwanisa kutarisa mitsara yako yekwereti isati yataura pamusoro pezvachazoita.
- Kambani inoita kuti uve nechokwadi chekuziva kodzero dzako: Unogona kukakavara iwe pachako nekunyora kumabhadharo ebhadhara, asi vanhu vazhinji vangada kubhadhara kambani kuti vaite basa iri kwavari. Zvakanaka. Asi, rega kambani inenge yakavanzika pamusoro pemashandisiro avo kana kuita kuti iite sekuti ndiyo chete inogona kugadzirisa chikwereti chako. Imwe kambani yakatendeka yekugadzirisa chikwereti ichava nehuwandu hwezvakaitika zvekubudirira uye inogona kukuudza kuti sei maitiro avo ari nani kupfuura aya emamwe makambani.
- Kambani haina kupikira kukurera chikwereti chako maota nhamba chaiyo yepfungwa: Kambani yekugadzirisa chikwereti iyo yakabudirira nevamwe vatengi vanogona kukuudza zvinogumisirwa nevatengi vekare, asi havagoni kukuudza kuti chikwereti chako chichavandudzika sei kana unoshandisa mabasa avo.
Kana kambani inonzwika zvakanaka kuti ive yechokwadi, kune mukana wakaisvonaka kwazvo kuti haisi wechokwadi. Usati washandisa kambani yekugadzirisa chikwereti kwekambani, ita mamwe tsvakurudzo neBBB, FTC, uye wezvemutongi wenyika yako kuti aone kana pane zvikwangwani zviripo. Dzivisa makambani ayo vatengi vatotonyunyuta pamusoro.
Zvaungaita Kana Wave Wakatariswa
Usarega kambani ichienda nekodzero yekugadzirisa chikwereti. Tora chiito kana iwe uchinzwa kodzero dzako dzakaputsika. Tanga nekupa sangano kuhutori wenyika yako mukuru. Iwe unogona kushanyira webhusaiti yeNational Association of Attorneys General kuti uwane gweta guru muhurumende yako. Tumira kunyunyuta kune Federal Trade Commission, Better Business Bureau, uye Consumer Financial Protection Bureau.
Tsvaga negweta. Iwe unogona kukwanisa kupomera mhosva pamusoro pekambani yekugadzira chikwereti. Izvi hazvizogadziri chikwereti chako, asi iwe unogona kukwanisa kubhadhara mari yawabhadhara pamasangano.