Ngaba igama elithi 'ukumisa ikhredithi' livakala liyigrogrisi? Sukuba nexhala. Ayisiyobhanki yakho okanye omnye umbolekisi-mali ukukhenkcela ukufikelela kwakho kwityala, nangona kunokuvakala ngolo hlobo. Linyathelo onokuthi ulithathe ukukhusela ingxelo yakho yetyala. Xa ukhulula ikhredithi yakho, wenza into ekufuneka uyenzile ukukhusela abaphuli-mthetho - okanye nabani na ongomnye - ekufikeleleni kwikhredithi yakho. Nantsi yonke into ekufuneka uyazi malunga nokumiswa kwetyala.
I-Credit Freeze igcina abanye ekufikeleleni kwiNgxelo yeTyala lakho
Xa ukhulula ikhredithi yakho, uthintela ukufikelela kwirekhodi yakho yekhredithi. Nje ukuba ube ngumkhenkce ngetyala lakho, amasela zesazisi kuba nzima kakhulu ebe isazisi sakho nokuvula akhawunti ezintsha egameni lakho. Ababolekisi bakho nabo abakwazi ukufikelela kwingxelo yakho yetyala xa ikhenkcezisiwe, ngoko ke abafane bandise ikhredithi entsha xa isela lifaka ezo zicelo zobuqhophololo.
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Kufuneka uQhakamshelane nazo zontathu ii-Credit Bureaus
Ngelishwa, akukho webhusayithi ekuvumela ukuba ukhulule irekhodi yakho yetyala kuzo zontathu ii-ofisi zamatyala ngaxeshanye. Ii-credit bureaus ezintathu - i-Equifax, i-Experian, kunye ne-TransUnion - zineenkqubo ezahlukeneyo zokumisa ikhredithi, kwaye kufuneka uqhagamshelane nenye yazo kwi-intanethi okanye ngefowuni ukusingatha inkqubo.
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Yintoni ekufuneka uyenzile ukukhulula iTyala lakho
Kufuneka uqinisekise ubuwena kwiziko ngalinye lamatyala ukuze umise ityala lakho. Oku kubandakanya ukubonelela ngenombolo yakho yonke yoKhuseleko lweNtlalo kunye nomhla wakho wokuzalwa. Amaziko agcina inkcazelo ngeentengo zemboleko angacela olunye ulwazi ngokunjalo. Ukongeza, unokuhlawula umrhumo omncinci, ngokubanzi malunga ne-10 yeedola - nangona i-bureau inokurhoxisa loo mrhumo xa kukho iimeko ezingaqhelekanga ezinjengokwaphulwa kwedatha. Kwakhona, ukuba ukhe waba lixhoba lobusela besazisi, umrhumo wakho uyayekwa.
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Ungahlehlisa uMkhenkce
Xa ukhulula ikhredithi yakho, irekhodi lakho lekhredithi livaliwe. Akukho mntu unokuligunyazisa ngaphandle kwakho. Xa uvula umkhenkce, i-credit bureau ikuthumela i-PIN ngeenjongo zokufikelela. Ukuba ufuna ukunika isigunyaziso, ukuba ufaka isicelo semali mboleko entsha okanye ikhadi elitsha letyala, umzekelo, unganikezela nge-PIN kumntu otyalwayo ukuze akwazi ukufikelela kwirekhodi yakho. Qinisekisa ukuba awuphulukani ne-PIN njengoko awuyi kukwazi ukuyikhulula i-akhawunti yakho ngaphandle kwayo.
izinto ezimnandi onokuthi uzenze ngosuku lwakho lokuzalwa lwama-30
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I-Credit Freeze ayiwathinteli amasela ekusebenziseni iiakhawunti zakho ezikhoyo
Ukuvalwa kwetyala lakho kuthintela kuphela amasela ezazisi ekuvuleni iiakhawunti ezintsha. Ayiwathinteli amasela aqhelekileyo ekwenzeni iintlawulo zobuqhetseba kwiiakhawunti zetyala esele zikhona ukuze azame ukuba imali kuwe. Qhubeka ubeke iliso kwiingxelo zakho zebhanki kunye namatyala ekhadi letyala ukuze ubone naziphi na iindleko ongazaziyo.
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Abanye abantu basenokufikelela kwiNgxelo yakho yeTyala ngexesha lomkhenkce
Okokuqala, unofikelelo olupheleleyo kwimbali yakho yekhredithi kuwo omathathu amaziko okuthenga ngetyala, nokuba ikhredithi yakho imisiwe. Kwakhona, usenelungelo lokufumana ingxelo yekhredithi yasimahla rhoqo ngonyaka kwi-bureau nganye. Okokugqibela, ababolekisi osele unobudlelwane nabo banokufikelela kwiakhawunti yakho. Ngokunjalo ngabaqokeleli bamatyala abasemthethweni.
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Kuya kufuneka uphakamise iFreeze xa ufaka isicelo seTyala eNtsha
Luxanduva lwakho ukuphakamisa umkhenkce kuzo zontathu ii-arhente zokunika ingxelo ngetyala xa ufaka isicelo sekhredithi entsha. Xa uphakamisa umkhenkce, cacisa ukuba uyiphakamisela bani, okanye uyiphakamise nje ixesha elifutshane ukuqinisekisa ukhuseleko oluqhubekayo. Unokuphinda ubuze umbolekisi wakho omtsha ukuba yeyiphi i-credit bureau abafuna ukuyisebenzisa kwaye uphakamise nje umkhenkce ngaloo arhente.
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Xa kufuneka ucinge ngokuQinisekisa iTyala lakho
Ukuvala irekhodi yakho yetyala akuyongxaki ukuba ujongene nobusela besazisi. Ikukhusela kwiingxaki ezininzi kwaye ikunika uxolo lwengqondo lokwenene. Ukuba awucwangcisi ukuvula naziphi na ii-akhawunti zetyala elitsha kwixesha elizayo elikufutshane-njengokuthenga imoto entsha, ukufudukela kwikhaya elitsha, okanye ukubuyisela imali-mboleko yakho - ukukhenkciswa kwetyala akufanele kuchaphazele ubomi bakho bemihla ngemihla. zonke. Gcina ukhumbula ukuba ukuba kufuneka usayine izivumelwano zokuqeshisa okanye ii-akhawunti zomntwana omdala, iziko liya kuqhuba ikhredithi yakho, kwaye kuya kufuneka uphakamise umkhenkce.
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Indawo ohlala kuyo imisela ukuba i-Freeze yakho ihlala ixesha elingakanani
Kumazwe amathathu-eKentucky, ePennsylvania, naseSouth Dakota-ukukhenkciswa kwetyala lakho kuphakanyiswa ngokuzenzekelayo emva kweminyaka esixhenxe. Kuzo zonke ezinye iindawo, i-credit freeze isigxina de ucele i-credit bureau ukuba iphakamise. Ngendlela, amazwe amathathu-i-Alabama, iMichigan, kunye ne-Missouri-ayinamithetho elawula ukuvalwa kwetyala, kodwa ii-arhente ezintathu zokunika ingxelo ngetyala zivumela abathengi kuloo mazwe ukuba baseke umkhenkce.
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Kutheni ungafuni ukukhulula iTyala lakho
Ukukhenkcela ityala lakho kunokukunika uxolo lwengqondo, kodwa inokuba yimvakalelo engeyiyo. Amasela esazisi anezinye iindlela zokufikelela kwinombolo yakho yoKhuseleko lweNtlalo okanye ii-akhawunti zekhadi lakho letyala, kwaye ukumiswa kwetyala akukhuseli kwezi ndlela. Kwakhona, ukuvalwa kwetyala kungaphazamisana nokuseta kunye nokungakhexisi ngenxa yawo onke amanyathelo, ukusuka ekugcineni i-PIN yakho ikhuselekile kwaye ifikeleleka, ukuya kuqhagamshelana nawo onke amaziko amatyala kuwo onke amanyathelo ale nkqubo.
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