Iko Fair Credit Reporting Act (FCRA) inoda kuti mabhizimisi ave nechikonzero chakanaka chekuwana mari yako yeruzhinji. Zvikonzero zvinogamuchirwa zvinosanganisira:
- Kupa chikwereti. Kana iwe wakanyorera kadhi rechikwereti, chikwereti, kana mamwe maitiro ekubhadhara chikwereti, bhizinesi ine mvumo yekuwana kune ripoti rako rekwereti kuti uone kana iwe uchikodzera.
- Unganidza chikwereti. Vateresi vatokari vanogona kushandisa mvumo yako yekwereti kuti vawane ruzivo, sekuda kero yako kana nzvimbo yebasa, izvo zvaizovabatsira kuti vatore chikwereti.
- Nyora inshurensi. Vamwe vanotengesa inshuwalisi vanoshandisa chikwereti chenhamba yako kuti uone kuti iwe unenge waita sei kudai.
- Basa. Iye zvino uye vanotarisira vashandi vanogona kutarisa chikwereti chekwereti musati vashandira kune dzimwe nzvimbo, kunyanya zvikwereti uye zvepamusoro-soro masimba ekutungamirira.
- Mamwe masangano ehurumende angangotarisa chikwereti chako chekwereti usati wabudisa mamwe malayisensi.
- Nzira dzepamutemo dzekutengeserana kwebhizimisi.
Makambani anowana ruzivo rwekwereti yako pasi pezvakaitika kana avo vanoshandisa zviri pamutemo vari kuputsa mutemo weDare. Iwe unogona kukwidza kambani inoputsa kodzero dzako.
Mhando mbiri dzekubhadhara chikwereti
Mimwe yemibvunzo pamusoro pehupoti yako yechikwereti haisati yaiswa mune yako chikwereti chikamu. Inqui dzinogadzirwa nekuda kwekushandira kwawakaita kune chikwereti ndiyo iyo inokanganisa chikoro chako.
Iyi mibvunzo yokuzvidira, kana "yakaoma," ndeye chete mibvunzo yechikwereti inowedzera kune chikwereti chako.
Kana ukaongorora mharidzo yako yekwereti, unogona kuona kuti mibvunzo yakawanda inowanikwa kubva kumabhizimisi mausina kubhadhara chikwereti. Mamwe mabhizimusi angangotarisa chikwereti chako chekwereti nokuti vanoda kupa zvipo nemabasa kwauri.
Semuenzaniso, vateresi vanotumira "kutenderwa kare" kadhi rechikwereti rekukweretesa kazhinji vaongorore mutero wako wekwereti kutanga kuti uone kana iwe unosangana nezvinokosha zvekadhi rekwereti.
Kubvunzwa kwekwereti kunogadzirwawo nevashandirwi, mabhizimisi aunenge uine chikwereti nacho, uye iwe pachako. Hapana chimwe chezvinhu izvi "zvinonyorera" kuverenga kune chikwereti chako.
Iko shanduro yekwereti yako yechikwereti yaunowona inosanganisira mibvunzo yose yakagadzirwa mumurairi wako wekwereti mumwedzi 24 yapfuura. (Makwegura mibvunzo inodonha shure kwemwedzi 24.) Apo vanokweretesa nevatengi vanotarisa mushumo wenyu wekwereti, chete mibvunzo yakaoma inooneka.
Mhinduro Inobatsira Sei Chikamu Chako
Inobvunzwa pamushumo wekwereti yako ndeimwe yenzira dzekwereti dzekambani dzinoita kuti pave pangozi yokuti iwe uchasara pane zvitsva zvekubhadhara chikwereti. Mibvunzo yakawanda kwazvo inogona kureva kuti iwe uri kutora chikwereti chakanyanya kana kuti uri mune mamwe mararamiro emari uye uri kutsvaga chikwereti kuti akubatsire kunze. Mibvunzo yakawanda inogona kuderedza chikwereti chako.
Zvichienderana nehuwandu hune ruzivo rwaunayo pamusoro pekwereti yako yekwereti, kumwe kubvunzurudzwa kungave kusina kukanganisa chikwereti chako chekwereti zvachose. Kune rumwe rutivi, kana iwe uine chikamu chechikwereti chine maverengi mashomanana, kuongorora kumwe kunogona kukonzera chikwangwani chako kuti chidonhedze nehuwandu huno.
Bhuku rekukwereta rekukwereta richaramba riri pamushumo wako wemakore maviri, asi chete izvo zvakaitwa mukati megore rapera zvinosanganiswa mune chikwereti chenhamba yako yekuverenga. Mibvunzo yakangobva kuitika inonyanya kukosha pamatora ako.
Inquiri uye Kuongorora Kutenga
Paunenge uchitsvaga kutengesa chikwereti kana kuti chikwereti chemotokari, unoda kuwana mukana wepamusoro-uye iwe unofanirwa. Unogona kunetseka kuti kuva nechikwereti chako chekutariswa nevakakweretesa vanoverengeka kunogona kukuvadza chikwereti chako.
Nhau dzakanaka ndeyokuti kuwanda kwezvikwereti zvekwereti kunobata mari yese yekubhadhara uye yemotokari semubvunzo mumwe chete, chero bedzi mibvunzo ichiitwa mukati meimwe nguva. Nokuda kweshanduro yezvino yeFICO score , iyi nguva mazuva makumi mashanu.