Nzira yekuita nayo kana iwe uchitambudzwa nebasa rekugadzirisa chikwereti
Imhizha yekugadzirisa chikwereti inozivikanwa nokuda kwekutsvaga vatengi. Kunyangwe kune mutemo weDare reScredit Repair Organisation Act - iyo inotarisira makambani ekugadzira chikwereti, mamwe emabasa aya achiri kutyora mutemo nekuvimbisa zvavanokwanisa kuita kwete kuvimbisa kana kuti vanoda vatengi kubhadhara mberi. Kana iwe uchinge uri chibharo chekwereti yekugadzirisa chikwereti , hezvino zvaunofanira kuita.
01 Chengeta kopi yemabhuku ose ane chokuita nekutengesa.
02 Kumbira kambani kubhadhara mari yako.
Makambani ekugadzirisa zvikwereti haafaniri kutora mubhadharo kusvikira apedza kuita mabasa kuitira kuti atovhura mutemo kana vakakukumbira kuti ubhadhe mberi. Kana iwe wakabhadharwa mberi, bvunza kubhadhara mari. Rega kambani yekugadzirisa chikwereti ichiziva kuti iwe uri kuzoita zvose pane zvimwe zvose zvezvenyu kana vakasadzorera kubhadhara kwako.
03 Dzokorora kambani kune FTC.
IFTC ndeye hurumende inotarisirwa kugadzirisa makambani ekugadzirisa chikwereti. FTC haikwanise kuenda shure kwekambani yekugadzirisa chikwereti ichibva panekunyunyuta kwako ndoga, asi kana vakagamuchira zvikwangwani zvakakwana pamusoro pekambani yakadaro, ivo vachabva vaongorora upfumi uye vanogona kumhan'arira kambani , kuvamanikidza kuti vasiye mari yavo, vanovada kubhadhara vatengi vave vakanganisa, uye kunyange kukamanikidza bhizinesi kuvhara.
04 Bvisa kambani kune yako State Attorney General.
Mumwe weAttorney General mabasa ekuti ave nechokwadi chokuti mitemo iyi inomanikidzirwa. Nyika dzakawanda dzine mitemo yekambani yekugadzirisa zvikwereti kana kuti mitemo inodzivirira makambani kubva pakutsvaga vatengi. Iwe unogona kurondedzera kambani yekugadzirisa chikwereti kune yako State Attorney General kunyange kana kambani yacho yakabva kune imwe nyika.
05 Kumbirisa kune imwe sangano rinodzivirira, sangano rebhizimisi, kana hofisi yeirairi.
Hofisi yako yekuchengetedza vatengi vemo inogona kunge iine mamwe mashoko pamusoro pezvaungaita kuti ugadzirise dambudziko racho. Iwe unogona kurondedzera kambani yekugadzirisa chikwereti kusangano rebhizimisi seNational Association of Credit Services Organization kana kambani yekugadzira chikwereti inhengo. Kana kambani yekugadzirisa zvikwereti ichiti yakagamuchirwa, tsvaga zita rebazi ravo rekugamuchidza uye ugovaudza ikoko.
Nyika yako ingangodaro yaida kambani yekugadzirisa chikwereti kuti ive nemvumo. Dare reGurisi reGweta reGenerational rinogona kukuudza kana ichi chiri chechokwadi kune nyika yako uye kana chiri, iwe unogona kuudza kambani yekugadzirisa chikwereti kune sangano reirivharesi. Vanogona kurasikirwa nebhizimisi ravo rebhizimisi rekutengesa vatengi.
06 Isa fodya neBusiness Business Bureau
IBBB inoshuma mashoko pamusoro pekuti mabhizimisi akavimbika sei. Makambani akawanda anoedza kuchengetedza maitiro akanaka eBBB nokuti anokanganisa bhizimisi ravo remangwana. Iyo kambani inogona kuva yakagadzirira kudzorera mari yako kana kuti kugutsikana kunyunyuta kwako kuti urambe wakamira zvakanaka neBBB.
07 Taura mudiki mudare remhosva.
Kana kambani yekugadzirisa chikwereti ichiramba kubhadhara mari yako yebasa risina kuitwa (aka kuputsa chikwangwani chakanyorwa kana muromo), unogona kuvasunungura munharaunda yako yeruzhinji dare. Mari yekambani yematare ediki inowanzoperera uye iwe unogona kunge usingadi gweta kuti akumirire. Pano pane muganhu pane mari yaunogona kumhan'arira mumatare maduku madare. Semuenzaniso, ruzivo rwekutsvaga mari ye $ 3,000 muAlabama uye $ 25,000 muTennessee.
08 Chenjerera vamwe vatengi.
Rega vamwe vatengi vazive nezvehutano hwako kuitira kuti vazive kugara kure nekambani yekugadzira chikwereti. Isai kuongororwa kwekambani yekugadzirisa chikwereti mumagariro evanhu. Itai kuti munhu wese azive kuti ivo vanonyadzisa.