Abaqashi baqhubeka beqhuba ukuhlolwa kwekhredithi kubenzi bezicelo futhi basebenzisa lolo lwazi ukwenza izinqumo zokuqashwa.
Ucwaningo lwe-Society of Human Resources Management (SHRM) lubika ukuthi abaqashi abangama-60% bathola imibiko yesikweletu kwabafakizicelo kwezinye noma kuzo zonke izikhundla. Ngokuvamile, abaqashi basebenzisa ama-credit checks kwabafakizicelo bemisebenzi ephathelene nemali. Isibonelo, imisebenzi edinga ukugcinwa kwemfihlo kanye nobuqotho bezezimali (kufaka phakathi izikhundla ebhange, ukubalwa kwezimali, nokutshala imali) cishe kuzodinga ukuhlolwa kwekhredithi. Indlela engcono kakhulu yokulungiselela isheke sesikweletu somsebenzi ukuthi ukwazi ukuthi yini eyodwa.
Kuyini (futhi akunjalo) Kufakwe ku-Check Credit Credit
Ukuhlolwa kwekhredithi yomsebenzi kungenye yezinto eziningi ezijwayelekile zokuhlola umsebenzi . Abaqashi bavame ukusebenzisa inkampani yangaphandle ukuba banikeze isheke esikhwameni sokuqashwa kumuntu oqashwe umsebenzi. Isheke lesikweletu sizoholela ekubikweni komsebenzi wesikweletu. Umbiko uhlanganisa ulwazi lokukhomba, kufaka phakathi igama lakho, ikheli, amagama angaphambilini namakheli, nenombolo yokuphepha yomphakathi .
Liphinde ikhombise isikweletu oye senze, kufaka phakathi isikweletu samakhadi esikweletu, ukukhokhelwa kwemali kanye nokukhokhelwa kwemoto, umfundi kanye nezinye izikweletu, nomlando wakho wokukhokha walezo zikweleti nokubolekwa kwemali-mboleko - kuhlanganise nokukhokha kwesikhathi.
Kodwa-ke, kukhona ulwazi oluthile olungafakiwe embikweni wesikweletu somsebenzi. Isibonelo, usuku lwakho lokuzalwa alufakiwe kulo mbiko.
Akufaki nokufaka isikweletu sakho semali.
Imithetho Yokuvimbela Ukuhlolwa Kwezikweletu
Umthetho we- Fair Credit Reporting Act (FCRA) uyingxenye yomthetho wesifundazwe obeka izindinganiso zokuhlola imisebenzi, kufaka phakathi ukuhlolwa kwekhredithi. Nazi izinto ezimbalwa abaqashi okumelwe bazenze (noma akufanele bazenze) lapho behlola isikweletu kumsebenzi ongase abe khona noma isisebenzi samanje:
Umqashi kufanele athole imvume yakho ebhaliwe. Ngaphambi kokuba umqashi enze isheke sesikweletu kuwe, kufanele akutshele ngokubhala futhi athole imvume yakho ebhaliwe. Uma ungavumeli isheke lesikweletu, umqashi angaphuma phambili ngenqubo yokuxoxisana, kodwa angase alahle nesicelo sakho khona.
Umbiko awukwazi ukufaka ulwazi lomdala. Ngokuvamile, umbiko wesikweletu awukwazi ukufaka ulwazi olungalungile kuwe oneminyaka eyisikhombisa (noma ngaphezulu). Ngeke futhi kufaka phakathi ukulimala okungaphezu kweminyaka engu-10 ubudala.
Kunemithetho ephathelene nokwaziswa kwe-bankruptcy. Ngokusho kwe-FCRA, awukwazi ukubandlululwa ngenxa yokuthi ufikile ekufakeni imali. Noma kunjalo, ukuphazamiseka kuyi-rekhodi yomphakathi, ngakho kulula kubaqashi ukuthola ulwazi.
Kumelwe utshelwe uma umbiko usetshenziselwa wena. Uma umqashi engakusiqashi ngenxa yombiko, kumele akutshele lokhu.
Umqashi kufanele futhi akunike imininingwane yokuxhumana ye-ejensi yangaphandle ejwayele ukuthola umbiko wakho wesikweletu.
Ungabona ukuthi yini kulo mbiko. Unelungelo lokuthola ikhophi yombiko wakho wesikweletu mahhala. Ubuye unelungelo lokubika umbiko nganoma yisiphi isikhathi lapho umbiko usetshenziselwa wena umqashi.
Ungaphikisana nolwazi. Uma ubona umbiko futhi uthola ukuthi awulungile, ungaphikisana nolwazi. Nansi ulwazi oluthe xaxa lokuthi ungaphikisa kanjani amaphutha kumbiko wesikolodo.
Ezinye imithetho zombuso ziyahlukahluka. Amanye amazwe anemithetho evimbela noma evimbela ukuhlolwa kwekhredithi yomsebenzi. Hlola nomnyango wezisebenzi wakho wombuso uma ufuna ukwazi imithetho yendawo mayelana nokuhlola ngesikweletu.
Indlela Yokulungiselela Ukuhlolwa Kwemali
Indlela engcono kakhulu yokulungiselela isheke lesikweletu ukuthola ikhophi yerekhodi lakho lesikweletu ngokushesha ngangokunokwenzeka.
Ngale ndlela, ungahlola noma yiziphi izinkinga noma amaphutha, futhi uziphikisana ngaphambi kokuba umqashi azibone.
Unelungelo elisemthethweni lokwenza ikhophi eyodwa yamahhala yombiko wakho wesikweletu njalo ngonyaka kusuka ezinkampanini ezintathu zokubika ngesikweletu emhlabeni wonke. Nansi ulwazi oluthe xaxa lokuthi ungayithola kanjani imibiko yakho yekhredithi yamahhala.
Uma wazi ukuthi isheke lesikweletu sizovula ezinye izindaba ezingabaza, kuwumqondo omuhle ukuzibhekisa phambili. Uma umqashi ecela imvume yakho yokuqhuba isheke, kufanele uchaze ngokucophelela nangokwethembeka ngangokunokwenzeka ukuthi yini engayithola, nokuthi yini oyenzile ukulungisa isimo.
Ikakhulukazi uma uhamba ngesikhathi sokungasebenzi, noma olunye ubunzima bezezimali - abaningi bethu - umphathi wokuqashwa angakwazi ukwenza icala ukukunikeza umsebenzi naphezu kwalokho abakutholayo esikhathini esidlule.