Umbiko wakho wesikweletu ngerekhodi lokusebenzelana kwakho nabalimi. Ama-ejensi wokubika ngesikweletu agcina ithrekhi yolwazi olunjengokuthi utholakale kangakanani ngesikweleti, ukuthi usondelene kanjani nokukhipha umkhawulo wakho wesikweletu, noma ngabe unomlando wokukhokha okulahlekile, uma unolwazi lokubuyisela izinhlobo ezahlukene zezikweletu , nokuthi usebenze kangakanani (noma awuphumelelanga) ukuhlangabezana nezibopho zakho zezimali kubakweleti.
Amabhange noma ezinye izinhlangano zabathengi ezikucabangela ngemali mboleko noma eminye imikhiqizo yezimali zizohlola umlando wakho wesikweletu ukuze uzize ukuthi ingozi enkulu kangakanani ukuthi ngeke ukwazi ukuyikhokhela ngesikhathi.
Kungani Kufanele Uhlole Imibiko Yakho Yesikweletu
Kulula, kufanele uhlole imibiko yakho yesikweletu ngezibonakaliso zenkathazo. Ngolwazi oluthe xaxa kumaKhanadi amaningi kangaka abuyela emuva naphambili phakathi kwe-ejenti yokubika ngesikweletu nababolekisi, ngezinye izikhathi amaphutha akwenziwa. Kufanele uhlolisise imibiko yakho yesikweletu okungenani kanye ngonyaka ukuze uqinisekise ukuthi babonakalisa ngokunembile ulwazi lwakho lomuntu siqu kanye nomlando wakho wesikweletu. Enye into okufanele uyenze iyimpawu zokuba ukwebiwa . Uma kukhona ama-akhawunti aphelele ukuthi awunabo abakhelwe ohlwini embikweni noma uma kukhona irekhodi lemibono eyenziwe ngomlando wakho wesikolodo ovela ezinkampanini ongazange wenze ngazo ibhizinisi, labo bangase baphutha noma babe inkomba yokuthi omunye umuntu wenza ukuthengiswa kwezimali ngaphansi kwegama lakho.
Ukuthola Imibiko Yakho Yesikweletu Samahhala
Kunezikhungo ezimbili ezinkulu zokubika ngesikweletu eCanada - TransUnion nase-Equifax - futhi kufanele uhlole imibiko yakho kubo bobabili (Experian esetshenziselwa ukunikeza imibiko yesikweletu, kodwa usuphelile leyo nsizakalo). Zombili lezi zinkampani zinikeza ukufinyelela okukhokhelwe kolwazi lwakho (okuvelele kakhulu kumawebhusayithi abo), ngezinsizakalo ezivela ekubukeni kwesikhashana esisodwa esikhwameni sakho samanje sesikweletu ekubhekaneni nokuqapha ukukhishwa kwekhredithi okuqhubekayo.
Kodwa ngomthetho, uvumelekile ukuthola ikhophi yakho umbiko wezikweletu ngeposi mahhala. Kungakhathaliseki ukuthi ukhethe noma ukukhetha ukukhokhela izinsizakalo ezengeziwe kuncike esimeni sakho, kodwa ngaphandle kokuthi uzizwe isidingo sokubona ulwazi lwakho ngokushesha ucabange ukuqala ngokubuka mahhala umbiko wakho wamanje uphinde uhambe lapho.
Ngezansi kukhona izindlela ezitholakala ezinhlanganweni ezimbili ezinkulu. Kuzo zonke izicelo zokubika ngesikweletu, kuzodingeka unikeze izicucu ezimbili zokuhlonza (ukukhokhwa ngaphambili nangemuva kwezicelo ze-imeyili).
TransUnion Canada
- Umbiko wamahhala ungacelwa ngeposi noma ngomuntu (i-Ontario ihhovisi lase-Hamilton).
- Phrinta ifomu elivela kuwebhusayithi (pheqa phansi bese uchofoze "Indlela yokufanelekela ukuthola umbiko wesikweletu samahhala" ngaphansi kwezinketho zokubika ngesikweletu).
I-Equifax Canada
- Umbiko wamahhala ungacelwa ngeposi, ngefeksi noma kwifoni 1-800-465-7166.
- Ukuze izicelo zokuthunyelwa ngeposi / zefeksi ziphrintiwe ifomu kusuka kuwebhusayithi (Chofoza "Xhumana nathi" eduze naphezulu kwekhasi).
Ukulungisa Amaphutha Embikweni Wakho Wezikweletu
Uma uthola umbiko wakho ngeposi uzothola ifomu elifakiwe ukuze usebenzise ukulungisa noma yikuphi amaphutha owutholayo. Uma ulwazi olungalungile lubonakala lubonisa ukuthi ube yisisulu sokwebiwa kwezazisi, noma kunjalo, ngeke ufune ukulinda nxa iphephandaba lihamba ngendlela ngeposi.
Thintana ne-ejenti umbiko wayo owutholile ulwazi ngokushesha uma usola ukwebiwa kobunikazi. Shayela i-TransUnion Canada ku-1-800-663-9980 nase-Equifax Canada ngo-1-800-465-7166.
Ulwazi olungalungile alukwazi ukususwa
Qaphela ukuthi ngenkathi i-ejenti yokubika ngesikweletu izolungisa noma isuse lokho okuboniswe ukuthi kube yiphutha, awukwazi ukuthola ulwazi olunembile kususwe ngenxa yokuthi awujabuli nalo - futhi akekho omunye umuntu ongenakho. Kunezinkampani ezithile ezinikeza "ukulungisa" umbiko wakho wesikweletu ngemali, kodwa ngeke zenze ezinye izinguquko emlandweni wesikweletu ongakalungi-okwamanje-onembile kunakho.
Umbiko Wakho Wesikweletu Vs. Amanothi akho esikweletu
Isikweletu sakho sekhredithi yinombolo eyodwa ekhombisa ngokushesha impilo yonke yomlando wesikweletu equkethwe umbiko wakho wesikweletu - ukuphakama kwenombolo kungcono.
I-TransUnion ne-Equifax isebenzisa isilinganiso phakathi kuka-300 no-900, kodwa abakhokhisayo abangahle kanye nezinye izinhlangano bangasebenzisa uhlelo lwabo lokulinganisa. Isikweletu sakho sekhredithi singasetshenziselwa kuphela uma othile enquma ukuthi noma uyakwamukela yini ngemali mboleko noma ikhadi elisha lesikweletu, futhi kungaba nesici ekunqumeni izinga lesithakazelo oyokhokha ngalo. Isikweletu sakho sekhredithi esibalwe yi-ejenti yokubika ngesikweletu sitholakala kuwe kodwa kuphela ngemali. Ungase ube nesithakazelo ekufundeni amaphuzu akho esikweletu uma usola ukuthi kudingeka uthuthukiswe noma uma uhlela ukufuna isikweletu noma esinye isikweletu eminyakeni embalwa ezayo.