Ukukhawulezisa ngokukhawuleza Ukumisa Ingxaki Ngaphambi kokuba Ithobe ngakumbi
Kwenzeke kubaninzi abahamba ubuncinane kanye kanye. Emva kokusebenzisa ikhadi lekhredithi ngelixa ephuma ekhaya, isikhwama singabanjwa , okanye inombolo ingabibiwe kwaye isetyenziselwe ukuhlawulwa kwamatyala. Kwihlabathi lethu lekhompyutha, ukukhwabanisa ngekhadi lokuthenga ngetyala kungenzeka kunoma ubani kwi-blink yelihlo - konke kuthatha ezinye izixhobo ezilula kunye nolwazi oluncinane.
Ikhadi lekhredithi elibiweyo lingabi ngaphezu kokuphazamiseka ngelixa liphesheya.
Xa kungabonakali, abahambi banokufumana ityala labo lisetyenziselwa ukuthenga ngaphandle kolwazi lwabo, okubangelwa ukuba iindleko ezimbi ziqhutywe kunye neentlawulo ezisemthethweni ziphihliwe. Abahambi bangazikhusela njani ulwazi lwabo lomntu kwiimeko apho amakhadi abo ekwerethi abiwe?
Ngaphambi kokuba ukweba encinci kube yinkathazo enkulu, nciphisa amathuba okuba lixhoba lolwaphulo-mthetho ngokulandela la manyathelo.
Ifayile yeNgxelo yoLwaphulo
Abahambi abajonga ikhadi labo lekhredithi bebiwe ngelixa ilizwe eliphesheya kufuneka lifake ngokukhawuleza ingxelo yezobugebengu kunye nabaphathi basekhaya. Kule ngxelo, abahambi kufuneka baxelele yonke indawo abasebenzisa ngayo ikhadi labo lesikweletu, ngokugxila ngokukhethekileyo kwindawo yokuqala baqaphela ukuba amakhadi abo aphelile, okanye xa baqala ukuphawula iindleko zobuqhetseba. Xa ingxelo igqityiwe, qiniseka ukuba ugcina ikopi yeerekhodi zakho. Abahambi abangaqinisekanga ngendlela yokufaka ingxelo yezophulo-mthetho kwilizwe labo banokufumana uncedo kwihotele yabo, okanye nakwi-ambassy yasekhaya.
Ngokuzalisa ingxelo yolwaphulo-mthetho, abahambi banokuqinisekisa ukuba iziphathimandla zengingqi ziyakwazi ukulandelelanisa imeko malunga neenjongo zobalo , kunye nokubhalwa kwelahleko enokubangelwa ngenxa yoluphulo-mthetho.
Xhumana neBhanki yakho yokuThumela
Isinyathelo esilandelayo kukuqhagamshelana nebhanki yokukhishwa kwekhadi lokuthenga ikhredithi ukuze ubaxwayise ngokulahlekelwa.
Kwezinye iimeko, umniki wekhadi lokuthenga ngekhredithi uyazi ukuba buqhetseba kunye nabanini bamakhadi abanxibelelwano. Kwimeko apho, ezininzi iinkampani zamakhadi zekrediti ziya kwamkela iifowuni zeefowuni zokuqokelela ukubika ikhadi elilahlekileyo okanye elibiweyo kwikhadi lekhredithi ngelixa phesheya.
Ngethuba le fownuni, lungele uhambe ngaphaya kwemicimbi yakho yakutshanje kwaye ubonise ukuba yiyiphi inkohliso. Abo babe nekhadi labo lomzimba banokucelwa ukuba banikeze ikopi yecala lolwaphulo-mthetho ngeFeksi okanye ngekhompyutha. Ukuthatha eli nyathelo kunokumisa inombolo yekhadi lesikweletu ngaphambi kokuba umonakalo omkhulu ungenziwa, kwaye unokuthintela naziphi na iintlawulo zamatyala ezingabonakaliyo.
Faka i-Holdings kwiiNgxelo zakho zeMatyala
Ngolwazi oluthile, isela lesikweletu lingaphendula enye ikhadi lekhredithi elibiwe kwiimfuno ezininzi zeentengo zemboleko. Nangona kunjalo, ukulawulwa kwesazisi yisona sixhobo esinamandla kunqanda ukukhusela ikhadi lekhredithi kunye nokwebiwa kwezazisi.
Abo bahambi abanekhadi labo bebiwe kwaye bakhathazeke malunga nokutshintshwa kwezobakho kufuneka bathabathe ngokukhawuleza ukubeka ukukhutshwa kwokhuseleko kwiingxelo zemboleko. Inqabiseko yokhuseleko yinkonzo yamahhala enikezelwa ngamagunya amathathu okunika ingxelo ngetyala (i-Equifax, i-Trans Union kunye ne-Experian), kwaye inqanda ukufikelela kwiingxelo zekredithi ngokuvula i-akhawunti entsha. Ngokugunyazisa ukukhutshwa komkhuseleko njengendlela elungqambileyo, abahambi banokuyeka ukukhwabanisa kwekhredithi kwixesha elizayo.
Qhagamshelana noMboneleli wakho we-Intshuwalense
Kweemeko ezithile, i-inshurensi yokuhamba ingaba neenzuzo zokukhwabanisa ngekhadi lesikredenti kunye nokwebiwa kwe-identity, ukubanceda abo bahambi ngxakeko. Ukuba inani lekhadi lesikweletu okanye ikhadi lekhredithi yomzimba libiwe, abahambi kufuneka bahlole isicwangciso se-inshurensi yabo yokuhamba, ukuba babone ukuba inikezela ngenzuzo yobalo besazisi. Ukuba kunjalo, isicwangciso se-inshurensi yokuhamba kakuhle sinokunceda abo bahamba ngefriji yokhuseleko, kwaye banike uncedo ekubuyiseleni i-identity lost or steal identity.
Nangona kungekho mntu ulindele ukukhwabanisa kwekhadi lokuthenga ngetyala, kukho amanyathelo ngamnye ohambahambayo angathatha ukuze ayeke ingxaki ngaphambi kokuphuma. Ngokuchonga imeko ngaphambili kwaye kuthathe amanyathelo amanani, wonke umntu unokuthintela ihlabathi leengxaki phantsi kwendlela.