Ngaba abanini bezoshishino bangafumana ingxelo yekhredithi yeehhafu kwi-intanethi rhoqo ngonyaka?
Ngelishwa, akukho mithetho yangoku efuna i-arhente zeentengo zemboleko zoshishino ukubonelela ingxelo yeekhredithi zentengiso yonyaka kwiinkampani. Siza kufikelela ngaphezulu malunga nale nto kwimzuzu nje.
Sonke siyazi iingxelo zeentengo zemboleko zichaphazela iinkalo ezininzi zobomi bethu. Ichaphazela izinga lokubambisa imali, ukuvunyelwa kwekhadi lesikweletu, iimali-mboleko ze-inshorensi, ukubolekwa kwemali-mboleko, okanye nokuba nakho ukufumana umsebenzi. Ukuphononongwa kweengxelo zakho zemali-mboleko kukukunceda ufumene iimpawu zokuba utywala ekuqaleni ukuze uphephe umonakalo omkhulu.
Nangona kukho ukungabikho kwamasayithi ajikelezayo kwi-intanethi ukufumana ukufikelela kwamahhala kwiingxelo zakho zemali-mboleko zodwa kunesayithi esisodwa esisemthethweni esisetyenziswe ngokucacileyo ngumthetho we-Federal ukubonelela; kuthiwa yi-Annual Credit Report.com. Esi siza kwenza abathengi bafumane iingxelo zabo zonyaka zamahhala ezivela kwii-arhente ezinkulu zokubhengisa iitaliti zonke kwi-intanethi.
Xa kuziwa kumashishini, kukho i-arhente ezinkulu ezintathu eziseDun & Bradstreet , Experiation yeCandelo, kunye ne-Equifax Small Business. Elinye leenkampani liqulethe iinkcukacha zezigidi zamashishini ekuhlanganiseni idatha kwizinto esiziwayo njengefayile yekhredithi okanye ingxelo.
Ababoleki, abathengi, abaxhasi, kunye namashishini afumana iingxelo zeentengo zemboleko zoshishino ezivela kwelinye okanye ngaphezulu kwale arhente ukuvavanya ukuboleka kwekhredithi yenkampani. Nangona iingxelo zemboleko zabathengi kunye namanqaku adlala indima enkulu ebomini bethu; Iingxelo zeentengo zemboleko zoshishino zidlala indima enkulu ebomini beenkampani zethu.
Ingxelo yengxelo yeentengo zemali ingayichazela ukuba kwaye ingaba inkampani iya kuvunyelwa ukuba yintoni, yiyiphi imigomo eya kuyifumana, kwaye ingaba inqanaba lomdla liya kulihlawula. Kwakhona kuthintela iiprojeyam ze-inshurensi zenkampani kwaye zinokuchaphazela ukukwazi ukukhusela amaqabane asebenzayo okanye abatyalo-mali.
Kuze kube ngumthetho wesigqeba ugunyazisa i-arhente yokubhengisa ngetyala ngeenjongo zokuvumela abanikazi bezentengiso ingxelo yebhanki yamashishini yonyaka, kukho ezinye iinkonzo zamahhala ezinikezela into elandelayo. Umzekelo, i-Dun & Bradstreet Credibility Corp inomkhiqizo wokuqala kunye nomhlaba kuphela kwimarike eyenzela ukufikelela kwamanqaku ekhredithi kwihishini le-free to changes in scores and ratings. Ibizwa ngokuthi yi-CreditSignal®, kwaye iyisilumko esibalulekileyo kwizaziso zokuphaphazela kwifayile yekredithi yenkampani yakho.
Le nkonzo yehhala inceda umnikazi webhishini ukuba aphathe kwaye alonge iifayile zawo kunye nokufumana izilumkiso kunoma yikuphi utshintsho kumanqaku okanye ukulinganisa. Kwakhona, umntu unokujonga ukuba iifayile zeenkampani zifikelele kangakanani ngokubuza ababolekisi, ababoneleli okanye amashishini.
Nangona kunjalo, ukuhlaziywa kwengxelo yeentengo zemarike yenkcazelo evela kwi-arhente enkulu yoshishino yentengiso kufuna umnini-shishini ukuba athenge ingxelo epheleleyo yomrhumo. Kuya kuba ngumdla wakho ukufumana ingxelo yengxelo yekredenti ubuncinane kanye emva kweenyanga ezintandathu.
Khangela naziphi na iimpazamo, ukungacaciswanga, okanye ulwazi olungapheliyo kwaye uhlaziye iifayile yakho ngokukhawuleza ngokuqhagamshelana ne-arhente yeentengo zemboleko. Kubalulekile ukuba uqaphele ukuba kuphelele kuwe ukuba upolise iingxelo zekredithi zebhizinisi lakho ukuqinisekisa ukuba zichanekile kwaye zifike ngoku.
Nangona i-arhente yokubika ngetyala ine-mining data nedatha yokuqokelela idatha ihlolwe kwaye iqinisekiswe ngokuqinisekileyo, iimpazamo zenzeka. Ngokubeka iliso kwiifayile zekredenti zenkampani rhoqo rhoqo kukuqinisekisa ukuba unokugcina ukhuseleko oluhle osebenze kanzima ukuba inkampani yakho yakhiwe.
Masithembele ukuba ingxelo yekhredithi yeekhredithi ye-intanethi ingafumaneka ngexesha elithile elizayo. Kodwa okwangoku, kuya kufuneka sigqibelele ukulungisa ingxelo yengxelo yemboleko ngexabiso. Qiniseka ukuba usebenzisa inkululeko yokungena kwiindawo zamashishini utshintsha utshintsho kunye neemveliso ezifana ne-CreditSignal®.
Kungcono ukwazi ngokwakho xa kukho utshintsho kubakho ukufumanisa emva koko xa ufaka isicelo sekhredithi.