Iko Fair Credit Reporting Act (FCRA) mutemo wezvematongerwo enyika inotaura kuti ingabhadhara sei mari yevatengi mari, inopiwa, uye inoshandiswa. Pasi pe FCRA, vatengi vane kodzero yekutarisa ruzivo mufaira ravo rechikwereti uye kupikisa mashoko asina kururama. I Federal Trade Commission (FTC) inobudisa zvinyorwa zvese zve FCRA. Somutengi, unofanira kunge uchiziva kodzero dzako.
FCRA Inorayira Vatengesi Vanoshuma Zvokushandisa
ICRA inotsanangura masangano ekubvisa vatengi semakambani anotora chikwereti chinyorwa pamusoro pevatengi nechinangwa chekutengesa mashoko kuvanhu vatatu.
Mienzaniso inonyanya kuzivikanwa yemasangano ekubika mabhizimusi ndiwo matatu makuru makuru ebhadhara : Equifax, Experian, uye TransUnion. Zvisinei, havasi ivo voga mapurisa ekubika muhurumende muUnited States Muna April 2016, Consumer Financial Protection Bureau yakabudisa rondedzero yemakambani anenge makumi mashanu akasiyana-siyana ayo anozvitsanangura semasangano ekubika kwevatengi. I FCRA inotonga kubhadhara chikwereti inoshanda kune aya masangano pamwe chete.
Pasi pe FCRA, zvikwereti zvekwereti uye mamwe masangano ekubika mabhidha anoshandiswa ku:
Kupa iwe kopi yako yekwereti faira paunokumbira . Iwe uchafanirwa kupa huno ruzivo rwekuziva iwe kuitira kuti zvikwereti zvekwereti zvigone kusimbisa kuti iwe ndiwe munhu anokumbira ripoti rako rechikwereti. Mune zviitiko izvi, mari yekodhi inofanirwa kukupa kopi yepachena yepoti yako yekwereti :
- Kamwe kamwe pagore kuburikidza newebsite yepagore yearcreditreport.com
- Bhizimisi rakatora basa rakaipisisa (rakaramba kubvuma kwako kana kukwereta chikwata chepamusoro chekuda) nekuda kwemashoko ari mupoti rekwereti yako
- Iwe hausi kushanda uye unoronga kutsvaga basa mukati mazuva 60 anotevera
- Iwe uri pahupenyu
- Iwe wakanga uri chibharo chekuzivikanwa kwekuziva
- Mharidzo yako yekwereti ine ruzivo rwakashata runoberekwa nekuvharwa kwekuzivikanwa
Tsvaga ruzivo rwauri kukakavadzana , kunze kwekuti iwe usingaiti mahofisi ane ruzivo rwakakwana kuti uongorore kukakavadzana kwako, unopikisa zvinhu zvose pamushumo wekwereti yako, kana iwe unodzokorora chimwe chinhu kunze kwekupa mamwe mashoko pamusoro pemakakatanwa ako.
Ruramisa kana kurasa ruzivo rwakashata mukati memazuva makumi matatu ekupikisana kwako kana kusvika mazuva makumi mashanu kana uchitumira mamwe mashoko mushure mokutumira nharo yako yakanyorwa.
Bvisa nguva yakareba (isina) ruzivo rwemashure manomwe kusvika kune gumi, zvichienderana nerudzi rwemashoko.
Deredza kuwanikwa kwefaira rako kune mabhizinesi chete ane chinangwa chinogamuchirwa chekuona chikwereti chako chekwereti.
Ipai chikwereti chekwereti kune vashandi chete nemvumo yako yakanyorwa.
Ipa iwe kopi yemari yako chikwereti pane zvaunokumbira.
Ipai mukana wekusarudza-kubva kune zvakasununguka zvikwereti zvekwereti .
Zvinoda Zveruzivo Rwenyika
ICAFRA inoshanda kune zvinopfuura zvikwereti zvekwereti. Mabhizimisi anopa ruzivo kune zvikwereti zvekwereti, ruzivo rwehupfumi, uyewo ane zvisungo. Somuenzaniso, ivo:
- Haigoni kuudza ruzivo rwakashata
- Inofanira kujekesa nokukurumidza uye kugadzirisa chero ruzivo rusina kururama rwakapiwa kune zvikwereti zvekwereti
- Anofanira kukuudza nezvehupi hupi hunoti huno hunozivikanwa hunoendeswa kumahofisi emarikiti mumazuva makumi matatu
- Unofanira kurega chikwereti chechikwata chichizivikanwa kana iwe uchizvidira uvhare account
- Inofanira kuva nehutano hwekupindura kune zvisikwa zvipfeko zvemashoko zvakatumirwa nemari yemari yechikwereti
- Hazvikwanisi kuzivisa maakare ako awakambotaura nezvayo waiva mugumisiro hwekuvharwa kwekuzivikanwa
Iwe une kodzero yekukakavhirana nenyaya isina kukodzera yeropa rekwere zvakananga neruzivo rwakapiwa mukunyora. Mushure mokunge mvumo yenyu, munhu ane chikwereti anofanira kuzivisa chikwereti chekwereti chekukakavadzana kwako uye asingabvumirwi kuramba achipa ruzivo rwakashata kusvikira yatsvaga nharo yako.
Zvinoda Kubhizimisi Vanoshandisa Mari Yenyu Yezvokutumira Mashoko
Makambani anogona kukumbira kuti aone chikwereti chako chekwereti kana vane chinangwa chinogamuchirwa , somuenzaniso, kukupa chikwereti kwauri mushure mekunge watumira chikwata. I FCRA inoda kuti mabhizimisi awa:
- Itai kuti muzive kana mave makashandurwa pasi nekuda kwemashoko ari munhoroondo yekwereti
- Kukupa iwe nezita uye kero yekwereti yekwereti iyo yakapa mushumo wakashandiswa mukusarudza kukutsausa.
Kutarisana Nekurwisana kweC FCRA
Iwe unogona kutsvaga kukanganisa kubva kune bhizinesi rinoputsa kodzero dzako pasi pe FCRA, ingave iyo chikwereti chekwereti, ruzivo rwemashoko, kana mushandisi wemashoko ako ehupfumi yemashoko.