IiNkampani zokuLungisa iTyala: Ngaba zisemthethweni?

Amanqaku angalunganga okanye amanqaku asezantsi etyala anokuba neziphumo kwimpilo-ntle yakho yezemali neyeemvakalelo. Yaye ukuba ukuloo meko, mhlawumbi uya kuzifumana ukhangela izicombululo. Njengendlela yokuphucula ikhredithi yakho, iinkampani zokulungisa amatyala ziyazikhuthaza ukuba zikwazi ukunceda abo banetyala elibi.

Kuninzi ekufuneka ukwazi ngezi nkampani phambi kokuba uvume ukusebenza nayo. Nangona kukho iinkampani ezisemthethweni, zilumkele ama-scammers. Kweli nqaku siza kwabelana ngezona zinto zibalulekileyo omele uzikhumbule.

Yintoni eyenziwa yinkampani yokulungisa amatyala?

Inkampani yokulungisa iintengo zemboleko ngumbutho wesithathu osebenzela ukuphucula iingxelo zekhredithi zabathengi kwaye uzifake amanqaku ngentlawulo. Iinkampani zokulungisa amatyala zithengisa iinkonzo zazo kuphela kubantu abanamanqaku asezantsi etyala kunye namanqaku amabi.

Uninzi lwezi nkampani zenza inzuzo, kodwa kukho ii-arhente ezingenzi nzuzo ezinokuthi zincede ukulungisa ikhredithi. Iinkampani zokulungisa amatyala zijongwe yi UMthetho weMibutho yokuLungiswa kwetyala (CROA)ICongress yawisa umthetho ngo-1996. Baninzi abaqhatha kushishino lokulungisa amatyala. Ke ngoko, kubalulekile ukwenza uphando lwakho phambi kokuba uqeshe inkampani yokulungisa amatyala.

Ngaba kunokwenzeka ukulungisa ikhredithi yakho?

Iinkampani ezibonelela ngeenkonzo zokunika ingxelo ngetyala zinceda abathengi baphucule amanqaku abo kunye nokufaneleka kwetyala. Basusa amanqaku angalunganga ekhredithi kwiingxelo zekhredithi. Ngokuqhelekileyo bakwenza oku ngenkqubo yokubuyisela ityala letyala elimanyathelo amane.

Inyathelo 1: Jonga imbali yakho yetyala

Inkampani yokulungisa ikhredithi iya kuqala iphonononge ingxelo yakho yetyala xa ubaqeshile. Baza kukhangela nantoni na kwingxelo enokwenzakalisa amanqaku akho ekhredithi. Emva koko babonisana nawe ukuze bafumanise ukuba yintoni echanekileyo nengalunganga.

Inyathelo lesi-2: Cela umngeni iimpazamo

Iinkampani zokulungisa amatyala zinomnye wemisebenzi yazo ebaluleke kakhulu: ukunceda abathengi baphikise iimpazamo kwiingxelo zetyala. I-Federal Trade Commission yafumanisa ukuba malunga ne-65% yeenkampani zokulungisa amatyala azikwazi ukusombulula iimpazamo kwiingxelo zamatyala abathengi. I-20% yabemi ine Ubuncinci impazamo enye kwingxelo yakho yetyala.

I-akhawunti yeyomnye umntu, i-akhawunti ephawulwe ngokungachanekanga njengevuliwe okanye ivaliwe, okanye ibhalansi engachanekanga okanye impazamo ebangelwe kukubiwa kwesazisi ziimpazamo eziqhelekileyo. Iinkampani zokulungisa amatyala ziphikisana nezi mpazamo kuzo zontathu ii-credit bureau EquifaxExperian kunye TransUnion – ukuba zisuswe kwingxelo yakho yetyala.

Inyathelo lesi-3: Thetha nababolekisi ngemali

Inkampani yokulungisa ikhredithi inokukunceda ukuba ujongane namanqaku asemthethweni angalunganga. Inkampani yokulungisa ikhredithi inokuqhagamshelana nababolekisi kwaye ithethe nabo ngexabiso elincitshisiweyo le-akhawunti yokuqokelela.

Inyathelo 4: Amanyathelo alandelayo ukucebisa

Nje ukuba inkampani yokulungisa ikhredithi iqwalasele amanqaku amabi kwimbali yakho yetyala, inokwenza iingcebiso Liphucule ikhredithi yakho ngakumbi.

Iinkampani zokulungisa ikhredithi zinokucebisa ukuba uvule iakhawunti entsha yekhadi letyala ukuze unyuse amanqaku akho kwaye uliphucule.

Zithini iindleko zokulungisa ityala?

Kukho iindlela ezintathu eziphambili zeenkampani zokulungisa amatyala ezihlawula iinkonzo zabo. Eyokuqala yintlawulo emiselweyo abanokuyibiza ngeenkonzo.

Iinkampani zinokuhlawulisa ngenqaku ngalinye elithoba isidima abalisusayo. Iinkampani zisenokubiza iintlawulo zenyanga. I-Experian iqikelela ukuba imirhumo yokulungisa ikhredithi ixabisa phakathi kwe-$80 kunye ne-$1.200 ngenyanga Phakathi kwe-$ 50 kunye ne-$ 100 inyanga.

Ngaba iiNkampani zokuLungisa iTyala zisemthethweni?

Ukulungiswa kwetyala kunokuba yinkonzo yomthetho kwaye iinkampani ezininzi zokulungisa iikhredithi zinelayisensi esemthethweni. Ngelishwa, zininzi iinkampani ezinobuqhophololo zokulungisa amatyala eziqhatha abathengi kwaye zenze izithembiso abangenakuzigcina.

I-Federal Trade Commission yongamela ukulawulwa kwala mashishini phantsi komthetho we-federal. Ezi ziimpawu zokuba ishishini lokulungisa amatyala lisemthethweni:

Inkampani ebiza iinkonzo kuphela emva kokuba zinikezelwe

Iinkampani ezihlawulisa umyinge othe tyaba kufuneka zikuhlawulise kuphela emva kokuba inkonzo yenziwe. Bafanele bakuhlawulise umrhumo wenyanga ohlawula kwinyanga engaphambili.

Umbutho okwazisa ngamalungelo akho asemthethweni okulungisa ikhredithi yakho.

Umthetho weFederal ufuna ezi nkampani zikuxelele ukuba unokwenza nantoni na oyifunayo.

Inkampani engathembisi ukucima ulwazi oluchanekileyo

Ii-arhente zokulungisa amatyala azinakukucebisa ukuba wenze iingxelo ezibubuxoki kwiziko lamatyala. Kananjalo akukho mthethweni ukuba ezi nkampani zithembise ngokususa into; Eyona nto banokuyenza kukuzama. Abanakuqinisekisa iziphumo. Ukuba inkampani yenza izithembiso, ayiyiyo inkampani esemthethweni.

Ukuba inkampani inikezela ngezivumelwano ezibhaliweyo, ithathwa njengophawu oluhle.

I-arhente esemthethweni yokulungisa amatyala kufuneka ikunike ikhontrakthi. Oku kuya kukuvumela ukuba uqonde iinkcukacha zobudlelwane bakho nenkampani kwaye ukwakhusele namalungelo akho.

Kuphephe ubuqhophololo bokulungisa amatyala

Nangona kukho iinkampani ezininzi ezinceda ngokusemthethweni abantu ukuba balungise ikhredithi yabo kwaye bathobele umthetho we-federal, oku akunjalo kubo bonke.

Ngelishwa, Zininzi izicwangciso zokulungisa amatyala.. Kukho intetho ethi nantoni na ebonakala ilunge kakhulu ukuba ibe yinyaniso mhlawumbi. Oku kuyinyani ngakumbi xa kuziwa ekulungisweni kwetyala.

Ungamameli nabani na okuxelela ukuba awukwazi ukulungisa ikhredithi yakho.

Okokuqala, ziphephe iinkampani ezikuxelela ukuba zinokwenza into ongakwaziyo ukuyenza. Ungaphinda uphikise iimpazamo zengxelo yetyala kunye nokunxibelelana nabatyalwayo. Ngokobuchwephesha awudingi inkampani ukuba ikwenzele oko.

Abathengi abaninzi bacinga ukuba kubalulekile ukuqesha inkampani yokulungisa amatyala ukucima amanqaku angalunganga etyala. Ngelishwa, inkampani yokulungisa ikhredithi ayinakukunceda ukuba ususe amanqaku asemthethweni angalunganga.

Ziphephe iinkampani ezithi zibonelela ngohlaziyo lwesazisi sekhadi letyala

Ziphephe iinkampani ezithembisa ukukunika isazisi esitsha setyala. Esi sithembiso sinokuphulwa ziinkampani ezithengisa ngokungekho mthethweni iinombolo ezintsha zoKhuseleko lweNtlalo.

Kuyothusa kakhulu ukuba inkampani yenze izithembiso ezinjalo. kwaye i Federal Trade CommissionUsenokuvalelwa entolongweni ngolu hlobo lwempatho.

Funda uphononongo kwaye wenze umsebenzi wakho wasekhaya

Ngaphambi kokuba wenze isigqibo sokuqesha, qiniseka ukuba ujonge uphononongo kwi-intanethi. Abathengi banokukhalaza kwiBusiness Business Bureau. Ezinye iinkampani ezininzi nazo zithumela uphononongo. Ukufumanisa ukuba umntu ucebisa inkampani esemthethweni, unokuthetha nabahlobo bakho.

Ukuba ufumanisa malunga nenkampani ngomlomo, amathuba okuba ubhalise ngokungxama asezantsi.

Awona mashishini alungileyo okulungisa amatyala angenzi ngeniso

Umbutho ongenzi nzuzo yindlela efanelekileyo yokusebenza ngokukhuselekileyo kunye nemibutho yokulungisa amatyala. Nazi ezinye ekufuneka uzikhumbule xa ufuna uncedo:

Operation HOPE

Operation HOPE Lo mbutho ungenzi nzuzo wasekwa ngo-1992 ukulwa nentlupheko kunye nokuxhotyiswa ngezimali kuluntu oluhlelelekileyo.

I-Operation HOPE inikezela ngeengcebiso zomntu ngamnye kunye neqela ukuze abantu balungise iimpazamo zamatyala. Kufunyaniswe ukuba ama-72% abantu abasebenza ne-Operation HOPE bawabona enyuka amanqaku abo ekhredithi.

iSiseko seSizwe seNgcebiso ngeTyala

O iSiseko seSizwe seNgcebiso ngeTyala Olu ncedo lungenzi nzuzo lubonelela ngeenkonzo ezahlukeneyo zemali, ezibandakanya iingcebiso mboleko, ulawulo lwamatyala, uphononongo lwengxelo yetyala, kunye nokucebisa ngetyala.

Credit.org

Credit.org I-arhente yeengcebiso ngezezimali engenzi nzuzo. Yadalwa ngo-1974 njenge-arhente yokucebisa ngemali engenzi nzuzo.

Lo mbutho ubungumbutho wamahlakani weNational Foundation for Credit Counselling kwaye waqala ukubonelela ngeenkonzo zokucebisa ngetyala simahla.

Uphethe

InCharge Debt Solutions Eli qela lingenzi nzuzo likwalilungu leNational Foundation for Credit Counselling. Banikezela ngeengcebiso zasimahla zetyala ezinceda abathengi bachonge awona manyathelo afanelekileyo abanokuwathatha ukulungisa amatyala abo kunye nokuphucula ukuqonda kwabo imali.

IiNdlela ezizezinye zokulungisa iTyala

Ukufumana inkampani yokulungisa ikhredithi yakho kunokuba nzima. Ngelixa umbono wokususa amanqaku akho etyala angalunganga unomtsalane, kukwakho iinkxalabo malunga nobuqhetseba.

Kukho ezinye iindlela ngaphandle kokusebenza neenkampani zokulungisa amatyala. Nazi ezinye iindlela zokuphucula ikhredithi yakho ngaphandle kwenkampani.

Lungisa iimpazamo zekhadi letyala

Oku kufunwa ngumthetho womanyano Wonke umntu unokufikelela kwiingxelo zakho zetyala simahla. Kanye ngonyaka. Abemi nabo banokujonga ingxelo yabo epheleleyo yetyala rhoqo ngeveki ngexesha lobhubhani we-COVID19.

Ungayenza in YonyakaCreditReport.com. Qinisekisa ukuba ujonga iingxelo zakho ngeempazamo. Ungaphikisa iimpazamo ze-credit bureau ukuba uyazifumana.

Qokelela amatyala kwaye uthethathethwano ngokunciphisa

Unokujonga iingxelo zakho zekhredithi ukuchonga nawaphi na amanqaku angalunganga anokuthi achaphazele amanqaku akho ekhredithi. Oku kuquka ii-akhawunti kwiingqokelela.

Ungayihlawula i-invoyisi kunye nenkampani wakuba uyibhale ngokubhaliweyo.

Qinisekisa ukuba uyawaphucula amanqaku akho ekhredithi

Unokuthatha amanye amanyathelo ukuphucula amanqaku akho ekhredithi kunye nokujongana nemiba engalunganga. Ababolekisi bakho baya kuhlawula ii-credit bureaus ngexesha ngenyanga nganye.

Amanqaku akho ekhredithi aya kuphucula ukuba uhlawula amatyala akho ngexesha. Ungawaphucula amanqaku akho etyala ngokunciphisa ukusetyenziswa kwakho ngetyala (ekwabizwa ngokuba yipesenti yekhredithi yakho ekhoyo oyisebenzisayo ngoku). Oku kunokwenziwa ngokuhlawula ityala lakho.

Masingene emzantsi walo mbandela

Zininzi iinkampani ezisemthethweni ezinikezela ngeenkonzo zokulungisa ikhredithi. Ukulungiswa kwetyala lishishini elikhoyo. Kukho ubuqhophololo obuninzi ekufuneka ubuqaphele.

Kungalula ukuthatha amanyathelo akho ukuphucula amanqaku akho ekhredithi. Ngaba ukulungele ukuqalisa? Jonga le khosi yasimahla ye-intanethi ukuze ufunde ukuba uyenza njani Ukudalwa kweekhredithi