Asi zviyero zvinokweretwa zvemari zvinokonzerwa nemasangano ematare ekupa zvikwereti zvekwereti - Experian, Equifax uye TransUnion - usataurira huwandu hwemashoko ehupenyu hwako sezvaunogona kufunga. Heano zvimwe zvese zvaungashamiswa nazvo kudzidza hazvina kubatanidzwa munhoroondo yako.
Chikwereti chako chikwereti: Paunotora kopi yako yakasununguka yemishumo yako yechikwereti kubva gore repa creditreport.com, iwe unofunga kuti yako chaiyo chikwereti chikwanganiso chingaiswa mumushumo. Zvinosuruvarisa, iwe unofanirwa kubhadhara mari yakawanda kuti utenge chikoro chemarikiti kubva kuFICO kana chimwe chezvikwata zvitatu zvekubhadhara chikwereti. Kana iwe usingadi kukora mari pamusoro penguva imwe chete, iwe unogonawo kuwana kopi yemazita kubva kubasa rekukweretesa rusununguko, zvakadai seDevcover's Credit Scorecard kana Capital One's CreditWise.
Mari yako inowanikwa uye mari yako : Mharidzo yako yechikwereti inogona kunge ine zvinyorwa pamusoro penyaya yako yebasa kana anokweretesa anounza zita remushandirwi wako paunenge uzarura nhoroondo itsva.
Zvisinei, hazvizoregi zvaunowana, uyewo hazvizogoverana zvakadzama pamusoro pezvinhu zvako zvekubhadhara, zviwanikwa kana kuponesa.
Makadhi ako asina makadhi emakadhi: Ruzivo nezvemamwe maturusi okubhadhara aunoshandisa, akadai semakadhi akabhadharwa, achasarawo pamishumo yako. Mukare, mamwe makadhi akabhadharwa anotaurirwa kupa ruzivo rwemarikiti kune mari yechikwereti, asi hapana makadhi iye zvino anowanikwa anoita saizvozvo.
Nenzira yakawanda, chete mari yezvikwereti zvikwereti zvekubhadhara mari yechikwereti yemitambo yekwereti yekwereti ndeye makadhi ako ekwereti, zvikwereti zvemari, zvikwereti zvemari, nezvimwe zvikwereti zvemari.
Zvikwereti zvako zvisingabhadhari chikwereti: Muzviitiko zvakawanda, zvikwereti zvako zvisina kukwereta zvakabhadhara, zvakadai sezvikwereti zvinoshandiswa kana zvikwereti zvefoni, hazvingaratidzi pamushumo wekwereti yako - kunze kwekunge iwe uchinge uchinge uchinge wapera mushure mebhadharo. Kana chikwereti chichienda kune zvikwereti, kubhadhara kunenge kusina kunenge kwava kuda kuonekwa. Zvose zvitatu zvekubhadhara zvikwereti zvinosanganisirawo mazano pamusoro pe-nguva yekubhadhara mari paunenge uripo - asi chete kana muridzi weimba achizviudza kuhofisi. Varidzi venyika vakawanda havasati vaudza rudzi rwemashoko aya kune zvikwata zvekubhadhara chikwereti.
Zvikwereti zvechiremba wako: Pasi peUnited Insurance Portability uye Accountability Act (HIPAA), vanopa varwere havabvumirwi kugovana ruzivo rwemunhu pamusoro penyaya yako yezvechirwere, saka hauzooni chero ruzivo rwemunhu pamusoro pekushanyira kwachiremba kana nhoroondo yehutano pachikwereti chako report. Asi kana ukasarirwa mubhadharo kune waunopa muchengeti wehutano, mushandi wezvokurapa anogona kutumira chikwereti ichocho kuunganidzwa . Muchiitiko ichocho, kambani yekuunganidza zvekurapa icharatidza pane mushumo wako.
Nhoroondo yekwereti yemumwe wako: Kana iwe ukawira kune mumwe munhu ane zviduku-zvishoma-zvisingakoshi zvekwereti, haufaniri kunetseka pamusoro pezvavanosangana nazvo mune zvemari zvinotarisana nemishumo yako.
Kunze kwekuti iwe usayina kubhadhara chikwereti uye kutora mutoro wekodzero pamusoro payo, unyanzvi hwekwereti hwemumwe wako hahuzokanganisa ripoti rako. Vamwe vanhu vanokanganisa vanotenda kuti chikwereti chechikwata chevanhu vaviri chinokonzerwa kana vakaroora, asi iyo inhema. Iwe mumwe nomumwe une mitsara yako yakasiyana uye zvikwereti chete zvinoonekwa pavari ndezvenwe zita rako pachako.
Nhoroondo yako yezvemhosva: Kana iwe wakanga uine run-ins nemutemo, haufaniri kunetseka pamusoro pezvikwereti zvekwereti zvaunozivisa iyo ruzivo kune vanogona kupa chikwereti kana. Nhoroondo yemhosva haigoni kuratidzira pamitambo yemagariro emadhorobha. Zvisinei, mamwe masangano makuru ekubika mabhidha anounganidza uye anotengesa mashoko iwayo kune vashandi nevamwe vari kuita chekuongorora chekuita mhosva. Asi iyo mharidzo yakasiyana.
Zvizhinji zvekutonga kwehurumende: Kusvikira munguva pfupi yapfuura, kutonga kwevanhu - umo iwe wakagamuchirwa nemari uye wakarayirwa kubhadhara - wakaratidza pamitambo yemarikiti.
Asi kutanga kwaJuly 1, 2017, zvikwereti zvekwereti hazvichazoregi ruzivo rwemashoko ehurumende, zvakadai semitongo yehurumende kana kuti mitero yemitero, kunze kwekuti rekodi ine zita rako, kero uye Social Security Number kana zuva rokuzvarwa. Sezvo kutongwa kwemashoko ehurumende kazhinji kusina ruzivo rwakanyatsotsanangurwa, izvi zvinoreva kuti kutonga kwevanhu vakawanda hakusi kuiswa pamishumo. Maererano nekambani yekubhengi mari yekutengeserana, Consumer Data Industry Association , inenge hafu yematero emitero muzvinyorwa zvevanhu zvinogona kunge zvisingakwanisi kugamuchira zvikwereti zvekubhadhara mari yechikwereti, kana kuti havazozviratidzi pamushumo wemarikiti kana.