Uma abaqashi basebenzise umuntu wesithathu ukuhlola isizinda somuntu, uMthetho we- Fair Credit Reporting Act ( FCRA) uvikela lokho okuvunyelwe ukuhlola, nokuthi kanjani.
I-FCRA ngumthetho wesifundazwe obeka izindinganiso zokuhlola umsebenzi. I-FCRA ichaza isheke sangemuva njengombiko wabathengi.
Funda ukuthi abaqashi bavunyelwe ukubheka isheke sangemuva, uma kufanele bakutshele kusengaphambili, nokuthi yini okufanele bahlanganyele nawe. Yazi amalungelo akho ukuze ukwazi ukulungiselela isheke sangemuva.
Indlela abaqashi abaqhuba ngayo amasheke angemuva
Ngaphambi kokuba umqashi enze isheke sangemuva kuwe (okuyinto i-FCRA ichaza njengombiko wabathengi), kumele bazise ngokubhala bese uthole imvume yakho ebhaliwe.
Kodwa-ke, uma umqashi evele eqhuba imibuzo ngokwabo (kunokuba athole umbiko ngenye inkampani), akudingeki ukuba ucele imvume yakho ngokomthetho. Isibonelo, akudingeki ukuthi uthole imvume yakho ukubiza umqashi wakho wangaphambili. Bakudinga ukukwazisa kuphela uma basebenzisa inkampani yokuhlola ukuqashwa komsebenzi wesithathu.
Uma umqashi ethatha isinqumo sokungaqashi ngenxa yombiko wabathengi, noma enquma ukuyeka ukunikezwa komsebenzi, kufanele akunikeze "ukudalulwa kwesenzo sangaphambi kwesikhathi." Lokhu kufaka ikhophi yombiko wabathengi kanye nencazelo yamalungelo akho.
Kumele bakunikeze "isaziso esenzakalelayo" esho ukuthi banqume ukuthi bangakuqashi futhi bakwazise imininingwane yokuxhumana yenkampani yokuhlola umsebenzi.
Lokhu kuzohlanganisa ulwazi olwakho ilungelo lokuphikisana nombiko.
Okushiwo Abaqashi
Isheke sangemuva singabuka ekuqinisekiseni okulula kwenombolo yakho yokuphepha yomphakathi kuya kwisheke eliphelele kakhulu emlandweni wakho. Ulwazi oluqashwe ngumqashi lungabandakanya umlando wakho womsebenzi , amarekhodi, amarekhodi okushayela, amarekhodi amacala obugebengu , ukubhaliswa kwemoto, amarekhodi enkantolo, isinxephezelo, ukugcinwa kwemali, amarekhodi wezokwelapha, izinkomba , ubunikazi bomhlaba, imiphumela yokuhlolwa kwezidakamizwa , amarekhodi ezempi, nolwazi lokwephula ucansi. Abaqashi bangaphinde bahlole isilwane, okungase kuhilele ukukhuluma nabantu obaziyo, kuhlanganise nabangane nomakhelwane.
Ngokuvamile, ulwazi abahlolisayo luzohlobene nomsebenzi. Isibonelo, uma uqashwe ukuthi usebenze ebhange, kungaba nengqondo kumqashi ukuthi ahlole ukuthi unomlando wokukhwabanisa noma ukweba.
Ukwandiswa kwesheke sangemuva kuncike kumqashi, inkampani, nomsebenzi ohilelekile. Isibonelo, uma ufaka isicelo somsebenzi kahulumeni ngemvume yokuphepha ephezulu, cishe uzothola isheke esingemuva kakhulu.
Ingqikithi Hlola Ubumfihlo
Yini engeke ifakwe kwisheke sangemuva? Kunolunye ulwazi olungenakudalulwa ngaphansi kwanoma iziphi izimo.
Lolu lwazi lubandakanya ukuphazamiseka ngemva kweminyaka eyishumi, izibophezelo zomphakathi kanye nezigwebo zomphakathi kanye namarekhodi okuboshwa ngemuva kweminyaka engu-7, izibopho zentela ezikhokhelwayo emva kweminyaka engu-7, futhi ama-akhawunti afakwe ukuqoqwa ngemva kweminyaka engu-7. Noma kunjalo, lezi zimingcele azisebenzi uma umholo ungama- $ 75,000 noma ngaphezulu.
Abaqashi bangabheka kuphela amarekhodi athile ngemvume yakho. Isibonelo, amarekhodi esikoleni ayimfihlo futhi ayikwazi ukukhishwa ngaphandle kwemvume yomfundi. Amarekhodi enkonzo yamasosha nawo ayimfihlo futhi angakhishwa kuphela ngaphansi kwezimo ezithile. Noma kunjalo, amasosha angakwazi ukudalula igama lakho, isikhundla, umholo, izabelo kanye nemiklomelo ngaphandle kwemvume yakho.
Awukwazi ukubandlululwa ngenxa yokuthi ufaka ukukhokha; Kodwa-ke, ukuphazamiseka kuyi-rekhodi yomphakathi, ngakho kulula ukuba abaqashi bathole ulwazi.
Imithetho iyahlukahluka kusuka kumbuso kuya kumbuso mayelana nokuhlola okuyisisekelo. Isibonelo, ezinye izifunda azivumeli imibuzo mayelana nokuboshwa noma izinkolelo ezingaphezu kwephuzu elithile esikhathini esidlule. Abanye bavumela kuphela ukucubungula umlando wobugebengu ngezikhundla ezithile.
Emazweni amaningi, amarekhodi ezokwelapha nawo ayimfihlo. Noma kunjalo, abaqashi bangase bangenzi izinqumo zokuqasha ngokususelwa ekukhubazekeni komfakisicelo. Bangase babuze kuphela ngekhono lakho lokwenza umsebenzi othile.
Yilungele Ukuhlola Okusemuva
Indlela engcono kakhulu yokulungiselela isheke sangemuva kufanele uqaphele ulwazi umqashi angathola.
Ukuze uhlole noma yimaphi amaphutha kulwazi lakho lesemuva ngaphambi kwesikhathi, thola ikhophi yombiko wakho wesikweletu. Uma kukhona ulwazi olungalungile, uphikisana nalo kumkweletu noma omunye umthombo. Hlola irekhodi lakho lemoto ngokucela ikhophi yerekhodi lakho emnyangweni wakho wombuso wezimoto. Yenza okufanayo namanye amarekhodi akho, kufaka phakathi imfundo yakho, amarekhodi enkantolo, nokuningi.
Futhi cela abaqashi bakho bangaphambilini amakhophi amafayela akho abasebenzi. Qinisekisa ukuthi uyazi ukuthi izithenjwa zakho zisho ngani ngawe. Nansi ulwazi oluthe xaxa mayelana nokuthi ungalungisa kanjani isheke lomlando .
Okubaluleke nakakhulu, qinisekisa ukuthi ukuqala kwakho nokusebenza komsebenzi kunembile futhi kuyiqiniso. Uma uqamba amanga ungase ungabanjwa ngaso leso sikhathi, kodwa cishe uzobanjwa ngesikhathi esithile. Akufanelekile ukuqashwa, ukuxoshwa, noma ukuchitha umlando wakho womsebenzi ngoba ucabanga ukuthi ukuqhubeka kwakho kungadinga ukuthuthukiswa.