Ingxelo yakho yekhredithi yirekodi yezenzo zakho kunye nababolekisi. I-arhente yokubika ngetyala zigcina ingqalelo yolwazi olunjengekokhredithi enokufumaneka kuyo, ukuba ungasondeza kangakanani umyinge wakho wemali, nokuba unayo imbali yeentlawulo ezingekho, ukuba unamava ukubuyisela iintlobo zeentlobo zemboleko , kwaye ubude uphumelele kangakanani (okanye awuphumelelanga) ukudibanisa uxanduva lwakho lwezezimali kubabolekisi.
Ibhanki okanye ezinye iarhente zabathengi eziqwalasela ngemali mboleko okanye ezinye iimveliso zemali ziya kuhlola iimbali zakho zemali ukuba zibancede zifumane ingozi enkulu apho ungayi kuba nako ukuzihlawula ngexesha.
Isizathu sokuba Kufuneka Uhlolisise iingxelo zakho zeNgxelo zeNtengo
Kulula nje, kufuneka uhlolisise iingxelo zakho zeentengo zemboleko ngeempawu zeengxaki. Ngolwazi oluninzi malunga namaninzi aseKhanadi abuyela phakathi naphakathi kwee-arhente zokubhengeza ngetyala kunye nababolekisi, ngamanye amaxesha iimpazamo zenziwa. Kufuneka uhlolisise iingxelo zakho zekredithi ubuncinane kanye ngonyaka ukwenzela ukuba uqinisekise ngokuchanekileyo ulwazi lwakho lomntu kunye nomlando wakho wekhredithi. Enye into ofuna ukuyikhangela impawu zokuba utywala . Ukuba kukho iakhawunti ezipheleleyo ukuba awunayo eyabalwe kwirekhodi okanye ukuba kukho irekhodi lemibuzo eyenziwe malunga nomlando wakho wezikredenti ezivela kwiikhampani ongazange zenze naziphi na ishishini, abo bangenza iimpazamo okanye babe bonisa ukuba omnye umntu wenza ukuthengiswa kwezimali phantsi kwegama lakho.
Ukufumana Iingxelo Zakho Zemali Zingenakho
Kukho ii-arhente ezinkulu zokubhengisa ngetyala kwiCanada-TransUnion ne-Equifax-kwaye kufuneka uhlolisise iingxelo zakho kubo bobabini (Experian esetyenziselwe ukunika iingxelo zekredithi kwakhona, kodwa sele iphelile le nkonzo). Zombini zale nkampani zinikeza ukufikelela okuhlawulwa kwingcaciso yakho (kubonakaliswe kakhulu kwiiwebhusayithi zazo), kunye neenkonzo ezivela kwixesha elikhawuleza libukeka kwinqanaba lakho lesikratshi langoku kwi-anti-identity identity.
Kodwa ngomthetho, uvumelekile ukuba ufumane ikopi yakho ingxelo yekhredithi ngeposi ngekhululekile. Ingaba okanye ukhetha ukuhlawula iinkonzo ezongezelelweyo kuxhomekeke kwimeko yakho, kodwa ngaphandle kokuba uzive ufuna isidingo sokubona ulwazi lwakho ngokukhawuleza qwalasela ukuqala ngokungabonakali kwi-akhawunti yakho yangoku kwaye uhambe apho.
Ngezantsi zikho iindlela ezifumaneka kwimibutho emikhulu emibini. Kuzo zonke izicelo zeengxelo zemboleko, kuya kufuneka ukuba unikeze iziqwenga ezimbini zokubonakalisa (ukukopishwa kwangaphambili kunye ne-back for applications in mail).
TransUnion Canada
Ingxelo engenakho-mali ingacelwa ngeposi okanye kumntu (i-Ontario ofisi e-Hamilton).
- Phrinta ifom evela kwiwebhsayithi (prolela phantsi uze uchofoze "Indlela yokufumana ilungelo lokubika ngetyala" phantsi kweZiko lokuBala iNgxelo).
Equifax Canada
Ingxelo engenakho-mali ingacelwa ngeposi, ngefekisi okanye kwifowuni 1-800-465-7166.
- Ngeposi / ifeksi izicelo ziphrinta ifomu kwiwebhusayithi (Chofoza "Qhagamshelana nathi" kufuphi nephezulu kwiphepha).
Ukulungisa iimpazamo kwiNgxelo yakho yeMboleko
Xa ufumana ingxelo yakho ngeposi uzakufumana ifom ifakiwe ukuba uyisebenzise ukulungisa nayiphina impazamo oyifunayo. Ukuba ulwazi oluchanekileyo lubonakala lubonisa ukuba uxhoba lobusela bezazisi, kunjalo, awuyi kufuna ukulinda ngelixa iphepha lihambisa indlela ngeposi.
Xhagamshelana ne-agesi apho ingxelo yakho ufumene inkcazelo ngokukhawuleza ukuba uyakrokrela ukweba kwe-identity. Biza iTransunion Canada kwi-1-800-663-9980 kunye ne-Equifax Canada kwi-1-800-465-7166.
Ulwazi oluchanekileyo alukwazi ukususwa
Qaphela ukuba ngelixa i-arhente yokubika ngetyala ityala okanye isuse into ebonakaliswe ukuba yiphutha, awukwazi ukuba nolwazi oluchanekileyo lususwe ngenxa yokuba awuyivuyo nayo - kwaye akukho mntu unako. Kukho iinkampani ezinikezela ukuba "zilungise" ingxelo yakho yekhredithi ngemali, kodwa ayikwazi ukwenza nayiphi na inguqu kwimbali yekhredithi engalunganga-kodwa-ilungileyo kunokuba unako.
Ingxelo Yakho yeMali Vs. Ikhredithi Yakho Yesikweletu
Inani lakho lekhredithi linombolo enye ebonisa ngokukhawuleza impilo yembali yengxelo yemboleko equlethwe kwingxelo yakho yekhredithi-ephakamileyo inani libhetele.
I-TransUnion kunye ne-Equifax basebenzisa ukulinganisa phakathi kuka-300 no-900, kodwa ababoleki nabanemibutho bangasebenzisa inkqubo yabo yokulinganisela. Umlinganiselo wakho wekhredithi angasetyenziswanga kuphela xa umntu ethatha isigqibo sokuba okanye angakuvumeli ngemboleko okanye ikhadi elitsha lekhredithi, inokuba yinto ebalulekileyo ekuqaliseni izinga lomyinge oza kulihlawula. Amanqaku akho ekhredithi ebaliwe yi-arhente yokubika ngetyala itholakala kuwe kodwa kuphela ngemali. Unokuba nomdla ekufundeni umlinganiselo wakho wekhredithi ukuba uyakrokreka ukuba kufuneka uphuculwe okanye ukuba uceba ukufumana imali mboleko okanye enye i-credit entsha kwiminyaka embalwa ezayo.