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Mabungwe angongole alengeza kukulitsidwa kwa mwayi wopeza malipoti angongole sabata iliyonse – Mlangizi wa Forbes

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Mabungwe atatu adziko lonse angongole adalengeza pa Seputembara 23 kuti awonjezera mwayi wopeza malipoti angongole sabata iliyonse mpaka Disembala 2023.

Kupeza kwa ogula pamalipoti atatu aliwonse abungwe langongole – Experian, Equifax ndi TransUnion – kukonzedwa kuti dzuwa lilowe kumapeto kwa chaka.

Polengeza limodzi, akulu akulu a maofesi atatuwa ati ganizo lawo lokulitsa pulogalamuyo ndi chifukwa cha kukwera mtengo kwa moyo komanso momwe mliriwu ukukulira.

“Kupereka lipoti la ngongole kumathandiza kwambiri pa thanzi la zachuma, ndipo kupereka malipoti a mlungu ndi mlungu kwa ogula kwaulere ndi njira ina yomwe tingathandizire maphunziro a zachuma ndi kukhazikika kwa anthu ku United States panthawi yovutayi,” adatero.

Chifukwa chiyani kupeza ngongole kuli kofunika?

Malipoti a ngongole amakhudza mwayi wachuma.

Malipotiwa samawonetsa zigoli zangongole, koma amapereka mbiri yazachuma chanu, kuphatikiza mbiri yolipira, ndalama zama kirediti kadi, ngongole zanyumba, ndi ngongole.

Zomwe zili pa lipoti lanu la ngongole zingakutsimikizireni ngati mwavomerezedwa kubwereka ngongole ndi makhadi a ngongole, kuchuluka kwa ndalama zomwe mumalipira kuti mubwereke ndalama, ndalama za inshuwalansi ya galimoto, luso lanu lopeza nyumba, kaya mukuyenerera ntchito zina ndi zina.

Koma Epulo 2020 isanafike – pomwe mabungwe angongole adakulitsa mwayi wopeza malipoti kuti athandize ogula kuyang’anira momwe maakaunti awo azachuma atapezeka ndi Covid-19 – ogula amatha kuwona malipoti aulere kamodzi pachaka pa bureau iliyonse, katatu kwaulere. malipoti.

Kupitirizabe kuwonjezereka kumatanthauza kuti ogula adzakhala ndi mphamvu zambiri pazachuma chawo.

Mneneri wa Consumer Data Viwanda Association (CDIA), bungwe lazamalonda lamakampani owonetsa ngongole za ogula, adatero m’mawu omwe adatumizidwa kwa mlangizi wa Forbes.

“Zitha kuthandizanso kuzindikira chilichonse chomwe mwina chaperekedwa molakwika ndikuwonetsetsa kuti zolipira zimaperekedwa munthawi yake,” adatero wolankhulirayo.

Kuwunikanso malipoti anu ndikofunikira kuti mugwire ndikukonza zidziwitso zolakwika, ndipo ndi vuto lomwe likukula kwa ogula.

Malingana ndi Consumer Financial Protection Bureau (CFPB), yomwe imasonkhanitsa ndikufufuza madandaulo a ogula, ogula amadandaula zambiri za zolakwika mu malipoti a ngongole kuposa vuto lina lililonse.

Ndipo ndicho chifukwa chimodzi chomwe buku lopanda phindu, Consumer Report, limayitanitsa mwayi wopeza malipoti angongole. M’kalata yomwe idatumizidwa mu Seputembala ku mabungwe atatu angongole, Consumer Reports adapempha mwayi waulere, wokhazikika komanso kuti mabungwe aziwongolera kulondola kwa malipoti awo. Consumer Reports adafalitsanso pempho lofuna mwayi wopezeka kwanthawi zonse komanso wopanda malire wa malipoti angongole, omwe anali ndi siginecha pafupifupi 38,000 kuyambira pa Seputembara 23.

“Kuwonjezera mwayi waulere wa sabata kwa malipoti a ngongole kwa chaka china ndi sitepe yabwino, koma malipoti a ngongole ayenera kukhala aulere nthawi zonse,” Syed Ejaz, katswiri wa ndondomeko ku Consumer Reports, adatero m’mawu ake. Palibe chifukwa chomveka cholipiritsa ogula kuti apeze zikalata zawo zachuma. Ogula ayenera kuyang’ana malipoti awo a ngongole popanda mtengo uliwonse pamene akufuna kuti athe kuona mosavuta zolakwika zowononga ngongole.”

Momwe mungapezere ndikugwiritsa ntchito malipoti anu a ngongole aulere

Mutha kukoka malipoti anu a ngongole zaulere poyendera AnnualCreditReport.com, tsamba lokhalo lovomerezeka ndi boma lomwe limapereka malipoti aulere a FCRA. Mutha kuyimbanso 877-322-8228 ndikutumizirani malipoti.

Lipoti lililonse la ngongole yanu likhoza kukhala ndi zambiri zosiyana, choncho ndikofunika kuunikanso malipoti atatuwa kuti mudziwe:

Mvetsetsani mbiri yanu yangongole

Malipoti anu a ngongole ndi chithunzi cha thanzi lanu la ngongole. Akhoza kukuwonetsani zomwe mukuchita bwino ndi zomwe zikufunika kukonza.

Ngati mukufuna kukonza zinthu, izi zitha kukuthandizani kuti mukhale ndi thanzi labwino langongole ndikuwonjezera ngongole zanu:

  • Lipirani nthawi yake kumakhadi anu angongole ndi ngongole
  • Chepetsani ndalama za kirediti kadi
  • Pemphani kuti pempho la ngongole ndi ngongole zikhale zochepa
  • Pewani ngongole za kusonkhanitsa mwa kukhala pamwamba pa renti, mabilu a ntchito ndi zina zowononga

Konzani zolakwika

Zolakwa zina za lipoti la ngongole ndizofala komanso zopanda vuto, monga adilesi yanyumba yolakwika kapena dzina lapakati lolembedwa molakwika. CDIA yati mitundu iyi ya zolakwika zaunsembe sizikhudza chiwongola dzanja cha ogula. Koma zinthu zotsatirazi ziyenera kukonzedwa:

  • Dzina lanu lapano silikuwoneka
  • Dzina la wachibale limapezeka pa lipoti lanu
  • Tsiku lanu lobadwa ndilolakwika
  • Malipiro ochedwa adanenedwa molakwika
  • Akaunti yamagulu mu lipoti si yanu
  • Akaunti yomwe idanenedwa molakwika ngati yosalipidwa

Muli ndi ufulu wotsutsa ndikuchotsa zolakwika za lipoti la ngongole. Mutha kupereka mkangano kwaulere ndipo zitha kuchitika pa intaneti mkati mwa mphindi zochepa.

Kuti muchite izi, funsani a ofesi ya ngongole pogwiritsa ntchito malangizo a mkangano pa lipoti lanu. Akatumizidwa, mabungwe a ngongole nthawi zambiri amakhala ndi masiku 30 oti afufuze ndi masiku ena asanu kuti atumize mayankho awo.

Dziwani kuti mkangano wanu ukhoza kupambana ngati mutapereka umboni, monga lisiti la ngongole yomwe mudalipira.

Mudzakhalanso opambana ngati mutadzilemba nokha, m’malo motsatira njira wamba yobwereka kampani yokonza ngongole.

Tsoka ilo, makampani ena okonza ngongole amabera ogula polonjeza zabodza kuti atha kutsutsa zinthu zolakwika ndikuchotsa malipoti awo angongole, ngakhale zidziwitsozo zili zolondola,” adatero mneneri wa CDIA.

Pezani zizindikiro zachinyengo

Zinthu zotsatirazi pa lipoti lanu la ngongole zitha kukhala zizindikiro zakuba kapena zachinyengo pa kirediti kadi, ndipo zimafunika kuchitapo kanthu mwachangu:

  • Mayina omwe simukuwadziwa ndipo simunawagwiritsepo ntchito
  • Nambala ya Chitetezo cha Anthu Ndi Yolakwika
  • Maakaunti omwe si anu
  • Mabanki aakaunti apamwamba kuposa ndalama zonse zomwe mwapeza m’miyezi yaposachedwa
  • Mafunso ozama kapena zopempha zamaakaunti zomwe simunapemphe

Pali masitepe ambiri ofunikira kuti muyambirenso kuba zidziwitso, koma muyenera kuyamba kuyimbira ofesi yofananira ndi ngongole kuti muyike chenjezo lachinyengo pa lipoti lanu la ngongole nthawi yomweyo.

Kodi mungapeze kuti zambiri zangongole zaulere?

AnnualCreditReport.com ndiye gwero lokhalo lodalirika la malipoti athunthu angongole, koma mutha kukhala ndi mwayi wowonjezera chidziwitso chanu changongole ndi zigoli kwina. Onetsetsani kuti mudutsa ku bungwe lomwe mumalikhulupirira, chifukwa malo owonetsera ngongole zabodza ndichinyengo chofala. Nazi njira zingapo:

  • Kuchotsa ngongole kamodzi. Muli ndi ufulu wochotsa lipoti laulere la ngongole ngati muyika chenjezo lachinyengo pa lipotilo kapena ngati ngongole yanu kapena inshuwaransi yakanidwa m’masiku 60 apitawa.
  • Akaunti yanu yaku banki kapena akaunti ya kirediti kadi. Mabanki ena ndi makhadi a ngongole amapereka kuyang’anira ngongole kwaulere ndipo akhoza kukupatsani mwayi wodziwa zambiri kuchokera ku lipoti limodzi kapena angapo a ngongole zanu.
  • Ntchito zowunikira ngongole. Ntchito yowunikira ngongole ngati Credit Karma imatha kukupatsani mwayi wopeza ngongole za VantageScore kapena sankhani zambiri kuchokera kumalipoti anu angongole, komabe mutha kukumana ndi zotsatsa zomwe zili ngati malingaliro anu pazogulitsa zachuma.

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