I-Quick Reference Yokumisa Inkinga Ngaphambi Kokuthola Okubi
Kuye kwenzeka kubahambeli abaningi okungenani kanye. Ngemuva kokusebenzisa ikhadi lesikweletu ngenkathi usuka ekhaya, isikhwama singasetshenziswa , noma inombolo ingase yebiwe bese isetshenziselwa amacala okukhwabanisa. Ezweni lethu le-elekthronikhi, ukukhwabanisa ngekhadi lesikweletu kungenzeka kunoma ubani ekukhanyeni kweso - konke okudingekayo kukhona imishini ethile elula kanye nolwazi oluncane.
Ikhadi lesikweletu elibiwe lingabi ngaphezu kokuphazamiseka ngenkathi ephesheya.
Lapho kungatholakali, abahambi bangathola ukuthi isikweletu sabo sisetshenziselwa ukuthenga ngaphandle kolwazi lwabo, okuholela ekukhokhiseni amacala amabi futhi amacala asemthethweni aphikisiwe. Abahambi bangakuvikela kanjani ulwazi lwabo lomuntu uma kwenzeka amakhadi abo esikweletu ebiwe?
Ngaphambi kokuba ukwebiwa okuncane kube inkinga enkulu, nciphise amathuba okuba yisisulu sobugebengu ngokulandela lezi zinyathelo.
Fakela Umbiko Wezobugebengu
Abagibeli abaqaphela ikhadi labo lesikweletu bantshontsha ngenkathi bephesheya kumele bafake ngokushesha umbiko wezobugebengu neziphathimandla zendawo. Kulo mbiko, abahambi kudingeka balandise noma kuphi lapho basebenzisa khona ikhadi labo lesikweletu, ngokugxila okukhethekile endaweni yokuqala abaqaphele ukuthi ikhadi labo selihambile, noma lapho beqaphela kuqala amacala okukhwabanisa. Uma umbiko usuphelile, qiniseka ukuthi ugcina ikhophi yamarekhodi akho. Abahambi abangenaso isiqiniseko sokuthi bangabeka kanjani umbiko wobugebengu ezweni labo bangase bathole usizo oluvela ehhotela labo, noma ngisho ne-embassy yendawo.
Ngokugcwalisa umbiko wobugebengu, abahambi bangenza isiqiniseko sokuthi iziphathimandla zendawo zingakwazi ukulandelela isimo ngezinhloso zezibalo , kanye nokubhalisa ukulahlekelwa okungenzeka okubangelwa ngenxa yobugebengu.
Xhumana neBhange lakho lokuSusa
Isinyathelo esilandelayo ukuxhumana nebhange lokukhishwa kwekhadi lesikweletu ukuze ubaxwayise ngokulahlekelwa.
Kwezinye izimo, umkhishwa wekhadi lesikweletu uyazi ukuthi inkohliso kanye nabanikazi bamakhadi abathintekayo. Kungakhathaliseki ukuthi kwenzekani, izinkampani eziningi zekhadi lesikweletu zizokwamukela amacala okuqoqa amakholi ukubika ikhadi elikwelekile noma elibiwe ngesikweletu ngaphesheya.
Phakathi nale foni yefoni, lungele ukuhamba ngokuthengiselana kwakho kwamuva bese ukhomba ukuthi yikuphi ukukhwabanisa. Labo ababa nekhadi labo elibiwe ngokomzimba bangacelwa ukuba banikeze ikhophi yombiko wobugebengu nge Fax noma nge-elektroniki. Ukuthatha lesi sinyathelo kungavimbela inombolo yekhadi lesikweletu ngaphambi kokuba umonakalo owengeziwe ungenziwa, futhi kungavimbela noma yiziphi izinkokhelo ezintsha zokukhwabanisa zingabonakali.
Faka Ukubamba Imibiko Yesikweletu
Ngolwazi oluncane, isela lesikweletu lingenza ikhadi lesikweletu elibiwe libe izicelo eziningi zokukhwabanisa. Noma kunjalo, ukulawulwa kobunikazi yisikhali esinamandla kunazo zonke ukuvimbela ukukhishwa kwekhadi lesikweletu kanye nokwebiwa kobunikazi.
Labo bahambi abanamakhadi abo ababiwe futhi bakhathazekile mayelana nokwebiwa kobunikazi kumele ngokushesha bacabange ukufaka ukukhishwa kwezokuphepha kumbiko wesikweletu. Ukukhishwa kwezokuphepha kuyisevisi yamahhala enikezwa ama-bureaus amathathu wokubika ngesikweletu (i-Equifax, i-Trans Union, ne-Experian), futhi ivimbela ukufinyelelwa kwemibiko yesikweletu ngokuvula i-akhawunti entsha. Ngokugunyaza ukukhishwa kwesibambiso njengesilinganiso sesikhashana, abahambi bangakwazi ukuyeka ukukhwabanisa kwekhredithi esikhathini esizayo uma kwenzeka ngenkathi ephesheya.
Xhumana noMhlinzeki Womshuwalense Wokuhamba
Ezimweni ezithile, umshuwalense wokuhamba ungase unwebe izinzuzo zokukhwabanisa ngekhadi lesikweletu kanye nokwebiwa kwezazisi, ukusiza abahambi ngendlela ephuthumayo. Uma inombolo yekhadi lesikweletu noma ikhadi lesikweletu lesibambiso libiwe, abahambi kufanele bahlole uhlelo lwabo lomshwalense wokuhamba, ukuze babone ukuthi linikeza izinzuzo zokuba ukwebiwa. Uma kunjalo, uhlelo oluhle lwe-inshuwalense yokuhamba lungasiza abahamba ngefriji yokuphepha, futhi ubanikeze usizo ekubuyiseni ukuthi ungubani olahlekile noma owebiwe.
Nakuba kungekho muntu olindele ukukhwabanisa ngekhadi lesikweletu, kunezinyathelo zonke izihambi ezingathatha ukuze zimise inkinga ngaphambi kokuba iphume. Ngokukhomba isimo ngokushesha futhi kuthatha izinyathelo ezibalwe, wonke umuntu angavimbela umhlaba wezinkinga phansi komgwaqo.