Abaqashi bangakwazi ukuhlola umlando wakho wesikweletu njengengxenye yenqubo yesicelo somsebenzi futhi ngokuthola imvume yakho, kungaba yinkinga yabafunayo.
Lokho Abaqashi Bangakwazi - Futhi Abakwazi - Funda Ku-Credit Check
Isikweletu sakho sekhredithi nombiko wesikweletu akushintshaniseki, nakuba abantu abaningi bewasebenzisa ngaleyo ndlela.
Isikweletu sakho sekhredithi, inombolo yezinombolo ezintathu ezikhombisa ukubolekwa kwakho kwemalimboleko kubanikezeli, akuyona ingxenye yombiko etholakala kubaqashi abazoba khona. Ngakho-ke, uma ugunyaza isheke lesikweletu, awubelani ngamadijithi akho, ukukhuluma.
Yiqiniso, kuningi abaqashi abangakufunda kusukela ekuhlolweni kokuqashwa kwemisebenzi yombiko wakho wesikolodo, ngisho nangaphandle kwalowo mgqa. Lokho kufaka phakathi ukuthi unesikweleti esingakanani, ukuthi ungakanani isikweletu osisebenzisayo, nokuthi ngabe ujwayele ukuhamba ngezindleko zakho. Ngamafuphi, abaqashi bathola lonke ulwazi oluya ekwenzeni amaphuzu akho esikweletu, kodwa hhayi amaphuzu ngokwayo.
Noma kunjalo, abakwazi ukufunda lutho ngaphandle kwemvume yakho. Ngaphambi kokuba inkampani ikwazi ukuqhuba umbiko wezikweletu ngenhloso yokuqashwa, kumele ikwazise ngokubhala futhi ithole imvume yakho ebhaliwe.
Kusukela ngo-2017, i-10 ithi iya phambili nakakhulu kunalokho, inciphisa izinga abaqashi abangasebenzisa ukuhlolwa kwekhredithi ekwenzeni izinqumo zomsebenzi.
Isibonelo, i-California ivimbela abaqashi ukuba baqoqe ulwazi lwekhredithi ngenhloso yokwenza izinqumo zokuqasha, ngaphandle uma kungenxa yemisebenzi ethize, kuhlanganise nezindima zokuphatha, imisebenzi yomthetho, noma izikhundla nomnyango wezobulungiswa wombuso.
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Yiziphi izinto ezikubikweni wakho wesikweletu okungaba yinkinga uma kuziwa ekuqashweni?
Kukhona amafulege ambalwa amasha abaqashi abazowaqaphela uma beqhuba umbiko wezikweletu futhi basebenzise njengengxenye yenqubo yokwenza izinqumo.
U-Ken Lin, isikhulu esiphezulu se-Credit Karma, ukwabelana ngolwazi nge-Balance ezintweni ezisembikweni wesikolodo kungabonakala njengamafulegi abomvu kubaqashi. Lawa mafulege abomvu afaka:
- Izixhumanisi - Noma yiluphi uhlobo lwe-link ngokumelene nawe lungaba uphawu lokungabi nabulungiswa. Iphakamisa abaqashi ukuthi awunabo obaneleyo ukukhokha isikweletu sakho noma ukuxoxisana ngokukhokha.
- Ukusetshenziswa Kwemali Ezingamaphesenti angu-100 - Lokhu kubonisa ukuthi abaqashi ukuthi usephezu kwekhanda lakho futhi abakwazi ukunamathela kwisabelomali.
- Ukukhokha / Ukubikezela - Lokhu kubonisa nokuntuleka kwemithwalo yemisebenzi ozibophezele. Kumqashi, lokhu kungase kusiphakamise ukuthi uzobamba ibheyili kumaphrojekthi amakhulu futhi awunasisetshenziswa ngokwanele.
- Izindleko eziseduze zakamuva - Izimali zakamuva zakamuva ze-30-, 60-, noma ezingu-90 zibonisa ukuthi izimali zikwenza ube nokucindezeleka okukhulu. Lo msebenzi ungabonakala njengeningi lefulegi elibomvu lezikhundla zezimali ngoba libonisa ukuthi unenkinga yokuhlelwa kwesabelomali.
- Umsebenzi obalulekile - Ukuvulwa kwamuva kwama-akhawunti amasha amasha noma ukuvala ama-akhawunti amaningi kungabonakala njengefulegi elibomvu. Umsebenzi omqoka obalulekile ungabangela abasebenzi ukuthi bacabange ukuthi unesiphephelo futhi udinga isikweletu esengeziwe ngoba usephezu kwekhanda lakho. Ukuvala ama-akhawunti amaningana kungavela njengesibonakaliso sokuthi awukho kahle ngemali futhi awukwazi ukugwema ukushaja imali enkulu.
Okufanele Ukwenze Uma Ukhathazekile Ngaphambi Kokuqashwa Kwemali Yesikweletu
- Zazi ngokwakho ngombiko wakho wesikweletu. Ngaphansi kwe- Fair Credit Reporting Act , unelungelo lokubika ngesikweletu samahhala kusukela ku-ejensi ezintathu ezinkulu zokubika izikweletu njalo ezinyangeni ezingu-12. Le mibiko iqukethe ulwazi olufanayo embikweni wokuhlola umsebenzi ozoba khona kumuntu ozoba ngumqashi. (Ungathola futhi isikolo sakho samahhala se-FICO, kodwa lokho akuhambisani nesimo sakho somsebenzi.)
- Lungisa noma yini engalungile. Ucwaningo lwe-2012 olusuka ku-FTC lithole ukuthi omunye kumthengi waseMelika ohlanu wayenephutha kwenye yombiko wabo wesikweletu ezintathu. Amaphesenti amahlanu wabathengi abe nephutha eliyingozi kakhulu eliholela ekukhokheni amazinga aphezulu kumalimboleko. Kungenzeka ukuthi iphutha yilokho okumi phakathi kwakho nokuqashwa.
- Ungesabi ukwesaba okungahle kwenzeke kumbiko wakho wesikweletu. Okubonakala kubalulekile kuwe kungase kungabikho umqashi. Noma, ungase ukwazi ukunikeza incazelo enengqondo yento engalungile futhi uqinisekise umphathi wokuqasha. Okokugcina, uma ucabanga ukuthi umqashi usebenzisa ukubika ngesikweletu njengesembozo semikhuba yokubandlulula, ungangabazi ukuxhumana neKhomishana ye-Equal Employment Commission . Banganquma ukuthi umqashi usebenzisa ukubika ngesikweletu njengengxenye ephumelelayo yenqubo yokuhlola yokuhlobana ehlobene nesidingo sebhizinisi.