Paunenge uine kunyunyuta kana kukakavara nemunhu ane chikwereti, chikwereti, credit bureau, kana chikwereti mutora, zvakanakisisa kutaurirana nekunyora. Nharo dzakawanda ndezenguva yakajeka uye tsamba, kunyanya kana yakatumirwa nemavhidhiyo akachengetedzwa nekumbira kwekugamuchira mari, inokupa timestamp kuongorora nguva yebhizimisi rekupindura. Mune zvimwe zviitiko (sekufanana nemakadhi echikwereti kukanganisa kukanganisa), unofanira kutumira tsamba kunodzivirira kodzero dzako.
Hewa mazita masere emasitori iwe unogona kuita uye kutumira kutonga nyaya dzakaoma sekukanganisa zvipatimho zvemitemo, zvikwereti zvekwereti yemarikiti , uye zvikwereti zvekubhadhara chikwereti .
01 Sample Credit Report Dhiyabhorosi Tsamba
02 Sample Chenjera uye Usaramba Mutsamba
Kuguma uye kurega tsamba kunomira kushevedza kubva kune vatokweretesi vatora . Tsamba inoudza mukoti kuti iwe haushudi kutaurirana. Iwe haufaniri kubvuma kune chimwe chinhu kana kuvimbisa kubhadhara gare gare (iwe zvichida haufaniri kuita chimwe cheizvi zvakadaro), taura chete kuti iwe unoda kutaura nekumagumo.
Iko kuguma uye tsamba inorega inongoshanda chete kune imwe chikwereti chekuunganidza, saka iwe unofanira kutumira imwe kana imwe itsva inotora chikwereti ichocho kana iwe une zvikwereti zvine vatengi vatokweretesi. Unogonawo kushandisa magumo ekumira uye kurega kuti urege kutora nhamba dzisina kukohwa .
03 Shanduro Yokugadzirisa Kwekwereti Tsamba
Mumazuva makumi matatu ekutanga ekutaurirana nekwereti mutengesi, unogona kukakavadza kubhadhara kwechikwereti uye kukumbira mutori wacho akutumira uchapupu hwokuti chikwereti chacho chiri chako. Kana imwe chikwereti chikwereti ichigamuchira chikumbiro chako chekugadzirisa chakanyorwa, vanofanira kusiya basa rokuunganidza kusvikira vakupa uchapupu hwechikwereti.
04 Shanduro Yetsamba Yokutsvaga Chikwereti Chakwereta
Iwe unogona kuvhara kadhi rechikwereti pane foni, asi kutevera netsamba kunopa uchapupu hwokuti wakakumbira iyo yakavharwa pane imwe zuva. Tsamba yacho inogona kuuya yakajeka kana pane kukanganisa kwemazuva anotevera apo iyo nhoroondo yako yakavharwa kana kuti wakakumbira kuti account yako yakavharwa zvachose.
05 Muenzaniso Muchibhadhara Kubvisa Tsamba
A " kubhadhara kwekuvhara " ndeyekupa kune munhu ane chikwereti kana kuti chikwereti chekukwereta kuti abvise mukana wekubhadhara chikwereti mukutengesa kubhadhara. Iwe unogona kupa chikwata pamusoro pefoni, asi tsamba yakasayirwa kubva kune chikwereti kana muunganidzi uchapupu hwakasimba hwokuti chibvumirano chakaitwa.
06 Muenzaniso Wekupera Kwemutemo Wekupera Kwekutepa Tsamba
Mutemo wekukwanisa hausi kubvisa chikwereti chako chekubhadhara chikwereti uye hachiregi vateresi kubva kuedza kukubhadhara iwe. (Icho chinoparadzanisa nguva iyo chikwereti chinoshandiswa pamutemo.)
Iwe unogona kuenzanisa iyi shanduro yekwereti yekwereti uye uiendese kune vatokari vatokari vanoramba vachiedza kuunganidza zvikwereti pane chikwereti chine mutemo wapera wekupera .
Chenjerera kuti iwe usati uchitaura chero chipi zvacho mutsamba yako iyo inogona kutangazve mutemo wekukanganisa . Kunyangwe kubvuma kuti iwe unokwereta chikwereti chacho kunogona kutangazve yeawa, uchipa muunganidzi nguva yakawanda kukupomera.
07 Muenzaniso Wokubhadhara Chikanganiso Chekunyunyuta
Vanhu vazhinji vanobva vatumidza kadhi ravo rechikwereti apo vanoona ikopi yekubhadhara. Ndiyo nzira inokurumidza kuwana zvikanganiso zvakabviswa nokuti kadhi yemukwereti anokwanisa kutanga kutanga kutsvaga pakarepo.
Asi, tsamba yakanyorerwa kukanganisa kukanganisa yakakosha kana iwe uchida kadhi yemukana kuti agare ne Fair Fair Billing Act . Mutemo unoda vatengi kuti vaongorore nharo yenyu chero bedzi tsamba yenyu inotumirwa mune imwe nguva yakatarwa. Iko inokubvumirawo kuti usabhadhara chikwereti chemari yakakakavhiringidzika apo kuongorora kuri kuitika.
08 Muenzaniso Wokuda Kufarira Wedzera Tsamba Yokubuda
Kadhi kadikiti vabhadhara vanopa mazuva makumi maviri nemasere kuti vatarise vasati vasimudza huwandu hwekufarira. Iwe unogona kusarudza-kurega, zvichida kuramba chibereko chekufarira, asi iwe unofanira kuchiita nekunyora munguva yekubuda . Heino mutsamba yemaunogona kushandisa iwe kuramba chidimbu chitsva chechido .