Chikwereti chikoro chakakosha chaizvo. Aya makambani, akashandiswa nedzimwe makambani, ane basa rekuunganidza pane zvakaitika kare. Vatokari vematokari vane mazano akawanda avangashandisa kuti vatore chikwereti kubva kwamuri, kusanganisira kutumira, kutumira tsamba, kuisa chikwereti chikwereti chekwereti chekwereti uye kukuteverai. Izvi zvakaoma zvakakwana kuti utarise kana chikwereti chacho chiri chako, asi iwe unoitei kana kero yekuunganidza isiri yako?
Izvo zvisina kukwereta chikwereti chaungangodaro chingave chakaitika kubva kune mumwe munhu akazarura kambani muzita rako uye asingakwanisi kubhadhara chikwereti. Dzimwe nguva, zvikwereti zvakabhadharwa zvakatumirwa kutumirwa kuzvikoro. Uye, pane dzimwe nguva, vateresi vasina kukanganisa vanokonzera zvikwereti zvisiri izvo vanotarisira vatengi vachatya kubhadhara vasina kumbobvunza kana chikwereti chiri chaiye. Kana uine kusava nechokwadi pamusoro pekuti chikwereti ndechewe, zvakakosha kutevera matanho akakodzera.
Unofunga Kuti Chikwereti Hachisi Chako Here?
Usafungidzira kuti kukohwa kunoratidzika kusingazikanwi uye hauri kuyeuka kuva nekodha nemunhu ane chikwereti icho chikwereti chekukwereta hachisi chako. Kune nguva dzose mukana wekuti bhiridha inofamba mumapapuriro kana kuti iwe hauzivi zita rechikwereti chepakutanga. Somuenzaniso, chikwereti chingave chakatengeswa kune imwe mushumiri. Kana, mune iyo nekutengesa makadhi emakadhi, bhangi rinobudisa kadhi rechikwereti rine zita rakasiyana pane dhaka rawakanyora nokuda kwekadhi rechikwereti.
Nguva mbiri dzinokosha zvikuru Nguva dzeDhaka
Kuwanda kwekuedza kwaunoshandisa mukukakavadzana chikwereti kunobva maitiro aanoita chikwereti chikwereti chinogona kutora pamusoro pako nokuda kwechikwereti chinobva pachikwereti chekubika chikwereti nguva uye mutemo wekukundikana kwehurumende yako. Chikwereti chekupa chikwereti nguva yezvikwereti ndiyo nguva yakawanda yenguva iyo chikwereti chinogona kuendeswa kumabhadharo emarikiti; iri makore manomwe kubva pamusi wekupedzisira wekutsauka kweakawanda maakaunti.
Muna 2017, somuenzaniso, chikwereti vatengesi havagoni kubvisa chikwereti kubva muna 2009.
Mutemo wekukanganisa ndiyo nguva iyo chikwereti chinoshandiswa pamutemo. Zvichitaura zvishoma, ndiyo nguva yenguva yakakwereta chikwereti inogona kushandisa dare kukukumanikidza kubhadhara chikwereti. Hazvisi zvishoma kuti muunganidzi achakupomera iwe kana chikwereti chiri kunze kwemutemo wekukanganisa. Zvechokwadi, iwe uchava nekudzivirira kukuru kana mukoti anokukwirira iwe - chikwereti hachisi chako.
Kurwisana Nekweretheni NeChechi Chikamu
Iwe une kodzero yekukumbira uchapupu hwemakwereti ayo masangano ekuunganidza sezvaunofanira kuripa. Kana wapedza kubvunza uchapupu, chikwereti chikwereti chinofanira kumira kuunganidza zvigadziriswa kusvikira zvigone kuratidza kuti iwe unokwereta chikwereti uye kuti muunganidzi ari mukati maro kodzero dzekuunganidza chikwereti. Izvi hazvirevi zvakare kudana, tsamba, zvikwereti zvekwerekiti, uye pasina mhosva.
Iwe unogona kukakavadzana chikwereti nekwereta chikwereti kuburikidza kutumira izvo zvinozivikanwa sevhesi yekubhadhara chikwereti . Tsamba iyi inongotaura chete kuti haungatendi chikwereti chako uye kuti chikwereti chikwereti chinofanira kutumira uchapupu hwechikwereti kwauri. Tumira tsamba yako kuburikidza netsamba yakagadziriswa kuitira kuti uve nechiratidzo chekuti tsamba yacho yakatumirwa uye yakagamuchirwa.
Tarisa Kuti Uone Kana Chikwereti Chako Chikaitika
Kana vateresi vatengesi vari kukutaurirai nezvechikwereti, kune mukana wakanaka wekuti chikwereti chave chakataurirwa kune mari yechikwereti.
Tarisa kopi yezvikamu zvitatu zvezvikwereti zvako zvekwereti kuti uone kana iyo yekodhi yekuunganidza yakazobvunzwa kune zvikwereti zvekwereti. Iwe unofanirwa kutarisa zvose zvitatu nokuti mamwe masangano ekuunganidza anonyorera kune mamwe mahofisi matatu apo vamwe vanopika kune imwe kana maviri chete.
Nhoroondo dzekuunganidza dzinogona kukuvadza chikwereti chako chikwereti, chichengetedze kubva kubvumidzwa kune makadhi emarikiti uye zvikwereti, nekuita kuti iwe ubhadharwe huwandu hwemari kana chekuchengetedzwa kwekuchengetwa muakaunti iwe unogamuchirwa. Chinhu chimwe chete kutambura chikwereti kukuvadzwa kwemakosheni ekuunganidza ayo ndeako. Hazvigamuchirwi kuva nezvikwereti zvekwereti kwekambani dzekuunganidza dzisiri dzewe.
Dzokoranidza chikwereti nezvikwereti zvekwereti . Iwe une kodzero yekureva chikwereti chekwereti, zvinoreva kuti iwe unogona kukakavadzana kuunganidza kambani dzisiri yako. Nyora tsamba kune imwe yezvikwereti zvinokonzera chikwereti inorondedzera zvakashata zvekukwereta pane chikwereti chako chekwereti.
Tsanangura kuti iyo nhoroondo haisi yako uye inopa makopi ehumwe uchapupu huri hutsigira kudai kwako.
Unogona Kungosiya Kubhadhara Chikwereti Here?
Kunze kwekuona, kunze kwepfungwa hakusi iyo inyanzvi yakanaka yekutarisana nezvikwereti zvitsva, kunyange zvikoreko zvisiri zvako. Kana chikwereti chacho chisati chiri pamushumo wekwereti yako, iri kunze kwekwereti yenguva yekubika chikwereti, uye iri kunze kwemutemo wekukanganisa, une zvishoma zvokufunganya nezvazvo. Kunyangwe apo zvose izvi ndezvechokwadi, haugoni kutora zvishoma kuti chikwereti chikwereti hachizogadziri chikwereti chacho uye chichiwedzera kuchikwereti chako chekwereti. Kana kuti, vangaisa mhosva kune dzimwe nguva nekutarisira kuti hamuzozviratidzire kumatare uye ivo vachakunda mutongo wekutonga pamusoro penyu.
Iwe unogona kumisa chikwereti chikwereti kubva pakukushevedza nekumbomira kusina uye kurega tsamba . Zita racho rinonzwika sepamutemo, asi tsamba yacho iri nyore. Mutsamba yacho, iwe unofanira kungokumbira kuti chikwereti chavatengesi chirege kuonana newe pamusoro pechikwereti.
Kana imwe chikwereti chikwereti ichigamuchira tsamba yako, vanogona kungokutaurirai zvakare kuti vakuudzei chiito chei, kana chiripo, muunganidzi achatora. Mushure mezvo, zvinopesana nemutemo wekuti muteresi akubvunzei pamusoro pechikwereti ichocho. Tumira tsamba yako kuburikidza netsamba yakagadziriswa uye iwe uchakwanisa kutarisa apo mukoti anogamuchira.
Cherechedza kuti kubvunza chikwereti chikwereti kuti asiye kukushevedza hachiregi kushandisa dzimwe nzira dzekuunganidza - kufanana nekuisa mhosva kana kutora chikwereti pamushumo wekwereti yako. Zvakanakisisa kubvumira muunganidzi kuziva chikwereti hachisi chako, kupa uchapupu hwezvimwe zvikwereti zvawakaita, kana kukumbira kuvimbiswa kubva kune mutori.
Apo Chikwereti Chinounganidza Zvinosvibisa
Iwe unogona kukwidza mutengesi uyo anoramba achiunganidza chikwereti mushure mokunge makatevera matanho ose akakodzera ekupikisa chikwereti nekukumbira kuvimbiswa. Mumwe gweta ane ruzivo mukugadzirisa matambudziko ekuunganidza madokora achakwanisa kukuudza kana iwe une mhosva yakarurama uye uchikubatsira iwe kuti uende nedare remhosva. Iwe unofanirwawo kuwana gweta rinobatanidzwa kana iwe unopomerwa nesangano rekuunganidza. Ita izvi kunyange zvazvo chikwereti chacho chisati chiri chako kuitira kuti iwe uve nepamusoro pekudzivirirwa kwemutemo kunogona.
Tora Consumer Financial Protection Bureau inobatanidzwa kana chikwereti chikwereti kana chikwereti chikwereti chisingapindure zvakanaka. Somuenzaniso, kana chikwereti chikwereti ichiri kuunganidza kubva kwauri mushure mekusakwanisa kubvuma tsamba yako yekubhadhara chikwereti kana kana chikwereti chekwereti chiri kuramba chichinyora chikwereti pamushumo wekwereti yako mushure mekunge wakakakavadzana nayo. Iwe unogona kutumira kunyunyuta kune CFPB nekuenda kune www.consumerfinance.gov/complaint.