Chikwereti chekwerekiti ikambani inounganidza uye inochengetedza mumwe munhu ruzivo rwekwereti uye inotengesa kune vanokweretesa, vatengi, uye vatengi nenzira yehupoti yekwereti. Kunyange zvazvo kune zvikwereti zvakawanda zvekwereti kudarika US, vashandi vakawanda vanoziva nevakuru vatatu: Equifax, Experian, uye TransUnion. Iko huru yemari yechikwereti haiti kungoverenga uye kuudza vatengi vechikwereti mashoko.
Vanopawo mhinduro dzakawanda dzinobatsira mabhizimisi zviri nani zvisarudzo.
Mhando dzeNyaya dzeMarikiti dzeKwereta Kuunganidza
Zvikwereti zvikwereti zvinochengetedza tsanangudzo dzakawanda dzakabatana newe uye chikwereti chenhoroondo, kubva panguva yaunotanga wekodha yako yekodha. Semuenzaniso, chikwangwani chekwereti chinounganidza Mashoko pamusoro pekwereti dzekwereti: nhoroondo yako yekubhadhara, chikwereti chekwereti chauripo, chikwereti chekwereti chaunoshandisa, zvikwereti zvakakosha zvezvikwereti, tsanangudzo pamasangano evanhu sebhengamende, mutero wemitero, kufambisa, uye repossession.
Zvikwereti zvekukwereta zvinorambawo zvisina ruzivo ruzivo pamusoro pako kusanganisira kero yako, vashandi vekare uye vekare, nemashoko ekubhadhara. Kunyange zvazvo ruzivo urwu harusi kushandiswa kuverenga chikwereti chako chikoro, mabhizimusi anogona kuzviona pavanenge vachiongorora kana vachiita bhizinesi newe.
Ndekupi Kwokukweretesa Bureaus Gamuchira Mashoko?
Zvikwereti zvekwereti zvinoenderana nemabhangi nemamwe mabhizinesi kuti ape mukana wevatengi mashoko.
Mazhinji emakambani aunoita bhizinesi nekutumira zvigadziriswa nguva dzose pamabhuku ako akazaruka. Zvikwereti zvekwereti zvinowanawo ruzivo pamusoro pako kubva kumabhuku edzimhosva.
Mahofisi emarikiti anoshandisa nzvimbo dzakasiyana-siyana dzekuwana mashoko kuitira kuti ripoti rako rechikwereti risiyane zvishoma kubva kumahofisi kuenda kumahofisi. Nhoroondo dzose dzingave dzichiripo kubva kumurairo wako wechikwereti.
Ndiani Anoshandisa Chikwereti Bureau Data?
Mabhandi uye makadhi ekukweretesa chikwereti ndivo vanonyanya kuoneka vashandisi vemashoko akapiwa nemari yekwereti. Rimwe boka remamwe makambani anotendeukira kune chikwereti chekwereti kuita zvisarudzo pamusoro pako. Vashandi, makambani einishuwarenzi, vashandi venyika, uye vateresi vatengesi vose vanokumbira ruzivo kubva kune zvikwereti zvemari.
Zvikwereti zvinopa chikwereti zvinopa mazita emabhangi nemakambani einishuwarenzi kuti abatsire makambani aya kusarudza kuti vashandi vangashandisa zvakadini zvigadzirwa zvavo. Kadhi-kadhi yemakadhi, semuenzaniso, anogona kukumbira rwandu rwevatengi vane zvikwereti zvekadhi rechikwereti chepamusoro kuti vatumire vatengi ava vanopa kuenzanisa kutumira makadhi emakadhi. Kana iwe wakambotanga kuziva kuti kare kare kadikiti yemakadhi yakagadziriswa sei inokurudzira mubhengi rako rebhangi kana kuti mabhengi anoziva sei kupa chigadziriswa chisina kukumbirwa paunotora chikwereti, izvi ndizvo. (Nenzira, unokwanisa kusarudza-kudzivisa kuzvidzivirira nokuenda kuOptOutPrescreen.com.)
Mutemo Pamusoro Pemahara Burero
Iko Fair Credit Reporting Act (FCRA) mutemo wezvematongerwo enyika unotsanangura kuti mari yechikwereti inofanirwa kushanda sei. I FCRA inopa vashandi kodzero yekupa mvumo yakarurama yechikwereti. Kana iwe ukawana zvikanganiso munhoroondo yako yechikwereti, unobvumirwa kurwisana nezvikanganiso izvi pamwe nemabhadharo emarikiti.
Chikwereti chekwereti chinotarisirwa kuti chiite upfumi nekugadzirisa zvikanganiso kana zvichidikanwa.
Chikwerero Chekubhadhara Zvikwereti Zvinyorwa Zvitsva
Iwewo une kodzero yekuraira chikwereti chako chechikwereti kubva kune zvitatu zvemari chikwereti. Izvo Zvakanaka uye Zvakarurama Zvokutengeserana Mutemo zvinokupa kodzero yemumwe mushumo wekwereti wepachena gore roga roga kubva kune imwe neimwe yezvikwereti zvitatu zvekwereti. Iwe unogona kuraira gore rino rekukwereta chikwereti kuburikidza neMwakaCreditReport.com.
Zvikwereti zvekwereti zvinodiwa zvakare kuti zvipe chikwereti chekubhadhara pachena kana:
- iwe waive nechikumbiro chakarambidzwa nekuda kwemashoko pamusoro pehupoti yako yechikwereti
- iwe hausi kushanda uye uri kuronga kutanga kutsvaga basa mukati memazuva 60
- uri pahupenyu
- iwe uri chibharo chekuziva kubhakwa.
Zvaunowana Pakutora Zvingawanikwa Zvingave Zvine Zvikanganiso
Mumwe muvatengi makumi maviri vane chikwereti chekwereti chechikwereti icho chichaderedza chikwereti chavo chekwereti kusvika pakuita kuti kuwana chikwereti kudhura zvakanyanya, maererano nekudzidza kwe2013 ne Federal Federal Commission.
Zvimwe zvemashoko omunhu zvinogona kukanganisa pamushumo wekwereti yako, kunyanya kana zita ravo kana rumwe ruzivo rwemunhu rwakafanana newewe. Mutemo weBurumende unokupa kodzero yekukakavadza zvikanganiso pamushumo wekwereti yako, asi hurongwa hauwanzoshanda zvakajeka sezvinofanira. Muna 2013, mukadzi weOregon akakunda mamiriyoni 18 mamiriyoni eEricifax, rimwe remabhizimisi matatu makuru emari, mushure mekunge rakundikana kugadzirisa kukanganisa kwekwereti yekwereti iyo yakapikisa 13 nguva pamusoro pemakore maviri.
Zvikanganiso izvi dzimwe nguva zvinowanikwa uye zvinotsigirwa nevakweretesi nevakweretesi vanovimba nezveshoko (dzimwe nguva risina kururama) mumakombiyuta avo pane zvinyorwa zvakapiwa nevatengi.
Zvikwereti Zvikwereti Zvinongopa Zvo
Kunyange zvazvo chikwereti chikwereti chinopa zvimwe kana mari yose yekwereti iyo vatengi uye vateresi vanoshandisa kuramba kana kubvumira maitiro ako, hofisi pachayo haiiti chikwereti chechikwereti.