Wakambove wakanetseka nezvekuvharwa kwekuzivikanwa here? Kana zvakadaro, iwe ungangodaro wakatarisa mukuvhara kana kupisa chikwereti chako. Asi, unoziva mutsauko here?
Chikwereti chekuregererwa uye chikwereti chekwereti kazhinji vanoita chinhu chimwe chete: vanodzivirira chero munhu kuti azarure chikwereti muzita rako. Asi, panewo kusiyana pakati pezvizvi.
Chikoro Chekushandisa Dhauridzo
Zvose zvitatu zvekubhadhara zvikwereti zvinopa vashandi sarudzo yekuvhara repoti ravo rechikwereti.
Paunoita izvi, unokweretesa haagoni kuwana ruzivo rwekugadzirira chero chikwereti kana mutsara wechikwereti. Zvisinei, ramba uchiyeuka kuti ichi chibvumirano pakati pako nekodhadhi yekwereti . Kuti uite kuti ibudirire, iwe unofanira kuzviita nezvose zvikamu zvitatu.
Chikwereti cheKushambadzira Tsanangudzo
Chikwereti chakasununguka chinoita chinhu chakafanana. Inosunungura chikwata chako chekwereti kuitira kuti vateresi havagone kuitora. Chikwereti chakasununguka chinogamuchirwa nemutemo.
Chii chakasiyana zvikuru?
Saka, musiyano wei? Zvakanaka, musiyano mukuru unobva pakuvhara nekuvhara.
Kana iwe ukaita chikwereti chisina kukwana, icho chinowanzoshandiswa uye chinodhura, unofamba nenzira dzakasiyana-siyana, paIndaneti, nefoni, kana kuburikidza netsamba. Iwe unogona kusimudza ganda pane chero nguva apo iwe unoda kubvumidza zvakakodzera chikwereti. Uye iwe unogona kuisa rusununguko kuti uratidze kamwe chete musi chaiwo.
Nekupi nekusimudza, unofanira kupa PIN nhamba. Uyewo, chengetedza mupfungwa kuti kune kazhinji mari yekubhadhara uye kusimudza mahara, uye iwe unogona kutora nguva yekumirira kana maawa mashomanana.
Inonakidza Here?
Kunyange zvazvo vamwe vachiti chikwereti chakasununguka chinonyanya kukoshesa kupfuura chikwereti chechikwereti, kuchine nguva inofanirwa kupfuura isati yashanda. Kazhinji, izvi zvinobva maawa maviri kusvika ku24. Apo ganda rinotangwa, iwe uchawana PIN nhamba. Unofanirwa kuchengeta PIN iyi mumabhuku ako uye uiise iyo kusimudza ganda, uye iwe unofanira kubvunza imwe nhepfenyuro yekwereti kuti usasunungure mutauriri wako.
Chikwereti chinenge chisina PIN. Iwe kazhinji unotanga hovha kuburikidza nekushandisa purogiramu yakachengeteka pafoni yako (iyo inayo ine PIN). Zvinowanzoitika kuburikidza neTransUnion uye Experian. NeEquifax , inotora kubva pa2 kusvika kuawa makumi maviri, iyo inenge yakangofanana neyokusununguka. Uyewo, cherechedza mupfungwa kuti haugone kuvhara nekuvhara maakaunti ako panguva imwe chete. Unofanira kusarudza imwe kana imwe.
Kufunga nezvekudhura
Iwe unogona kunge uchida kufungisisa nezvemari, zvakare. Zvakakosha kuti titaure kuti Equifax neTransunion mbiri dzinopa zvipfeko zvisina kuvhara chikwereti chako pasi. Asi, yeuka, nechikwereti chekuvhara, iwe unofanira kuvhara chikwereti chako kuburikidza nebazi rimwe nerimwe. Hazvizobatsiri zvakawanda kana iwe ukavharwa mukati maviri, asi chechitatu yakazarurirwa kune ani zvake.
Equifax ine chikwama chechikwereti chitsva panzvimbo, uye inoratidzika se yakasiyana nezvakaitwa nekambani kare. Equifax inoshandisa chikwereti chayo kuburikidza neTrustedID Premier service, iyo inobatsira kudzivirira vatengi kubva kubasa rekuziva. Iyi sangano inopa mazano ekunyengera, kuongorora chikwereti , nezvimwe zvinhu.
Experian ine chigadzirwa chakafanana icho chiri kubhadhara yakabva. Inonzi CreditLock, uye inowanika kuburikidza nekambani yeCreditWorks service. Iko $ 5 yemwedzi wokutanga uye zvino inodhura $ 25 kwemwedzi inotevera.
Chikwereti chinonzi chimwe chirevo chekuzivikanwa kwehupfumi hwekudzivirira basa.
Chikwereti chakasununguka hachina kusununguka, kana. Asi, mari yekukanda uye kusimudza ganda yako kazhinji inodhura kupfuura kubhadhara mari yemwedzi kuitira kuchengetedza chikwereti chako. Zvechokwadi, federally, mutengo wekusunungura uye kusunungura chikwereti chako unowanikwa pa $ 10, asi humwe hurumende hwakaita kuti uve mutemo kuti unotodhura kupfuura izvozvo.
Chimwe chikonzero iwe unogona kufunga nezvekivha naOxperson ndeyekuti urongwa hunotarisa chikwereti chako zuva rega rega, uye iyo inokurumidza kukuzivisa kana pane chiitiko cheumwe munhu achiedza kuongorora chikwereti chako.
Izvi zvingaita sezvinotyisa uye zvinokwana $ 25 ... asi, zvingasava. Nyanzvi dzakawanda hadzisi kukurudzira kuti iwe ubhadhara mari yechikwereti nokuti iwe unogona kazhinji kuita chinhu chimwe chete kune rusununguko kuburikidza nekambani yako yekadhi yemakadhi kana imwe nhepfenyuro yemari yemari.
Icho chaicho chinhu chaunofunga nezvazvo usati watanga kuvhara mari mari yechikwereti. Chikwereti chisina kukwana chichava chakanaka kana iwe uchida kudzivirirwa, uye inodhura zvishomanana.