Pehea e nānā ai i kāu hōʻikeʻike piliʻole i kēlā me kēia makahiki
Pono nāʻike loiloi no ka mea hāʻawi lākou i nāʻike kuhi e komo i kāu heluʻai . He mea nui eʻike i nā mea i loko o kēia mau pūʻulu, a me kaʻike pono he pololei.
- E aʻo e pili ana i nā helu: Pehea ka Credit Scores Work
- Pehea e pili ana i nā heluʻaiʻole? Pehea e loaʻa ai kahi kūʻai kīnā
I ka wā ma mua,ʻaʻole i maʻalahi ka loaʻaʻana o kēiaʻike no ka mea kūʻokoʻa. Pono ka poʻe e kūʻai i ka hōʻike a iʻole e kūpono e pili ana i kekahi mau hana i loko o ka hōʻike hōʻike kālā (e like me ka hōʻoleʻana no ka hōʻai'ē ma muli o kāu helu). Manaʻo kekahi mau māhele e pono i nā poʻe noho ke kūleʻa i ka manawa kūʻokoʻa, akā ua hana ke kānāwai loea i ka'āina āpau.
Pehea iaʻu e loaʻa ai i kaʻu Hōʻike Pūnaewele Kū'ē?
Ua hui pū nā pūnaewele hōʻike hōʻeuʻeu o ka'āina a kūkulu i kahi pūnaewele āu e hoʻohana ai no ka loaʻaʻana o kāu hōʻike loiloiʻole. ʻO www.annualcreditreport.com ka pūnaewele. Ke hiki ma laila, e pane i nā nīnau he nui, a hiki iāʻoe ke koho i nā hōʻike e nānā. Hiki iāʻoe ke kelepona iā 877-322-8228 a noi i kope o kāu hōʻike kālā ma ke kelepona.
Ināʻaʻoleʻoe e pono i nāʻekolu a pau, e hoʻohana i kekahi papahana no ka nānāʻana i kāu hōʻai'ē i loko o ka makahiki.
Hiki iāʻoe ke loaʻa iʻekolu mau manawa, akā,ʻo kahi poʻe wale nō e hoʻonohonoho i kahi hōʻike loiloi hoʻokahi i ka manawa. ʻO ia ka mea e hiki ai iā lākou ke hoʻi mai i loko o kekahi mau mahina a hoʻonohonoho i kahi hōʻike hou mai kahiʻoihana hoʻokele'ē aʻe. Inā ua hoʻololi kekahi mea i kēlā mau mahina (ʻo ka ho'āʻoʻana i kaʻaihue i ka'ikehue, e like me keʻano), e loaʻa ka pilikia ma waho o ka pono e kali a hiki i ka makahiki e hiki mai ana.
Aia kekahiʻokoʻa ma waena o nāʻaha kālā hōʻoia, akā,ʻaʻole nui nāʻokoʻa - hiki i kekahi o nā meaʻekolu ke hōʻike iāʻoe inā eʻaihue kekahi i kouʻike ma ka weheʻana i kahi kāleka kāleka me kahi mea lawe nui.
Ke kāleka pololeiʻana i nā 'Aha Kū'ē
Inā makemakeʻoe, hiki iāʻoe ke kelepona i nā keʻena loina nui a noi aku i kahi hōʻike hōʻai'ē ma ka ukuʻole. Eia naʻe, hiki i ka FCRA i kauohaʻia " Hōʻike Hōʻike Kū'ē Makahiki Makahiki " wale nō ma o ka pūnaewele a me ka helu kelepona ma luna. I nā hua'ōlelo'ē aʻe, hiki iāʻoe ke uku ināʻoe e kelepona pololei i kahi laikini.
ʻAʻole hiki iaʻu ke hoʻokūkino loa i ke ala hoʻokahi e loaʻa ai kāu hōʻike kālā kālā makahiki āpau e hoʻohana i AnnualCreditReport.com aiʻole i ka helu kelepona ma luna. Inā heleʻoe i kekahi ala'ē aʻe, ponoʻoe e uku a e kākau i kahi lawelawe pilikino.
- E aʻo hou: Pehea e hoʻolālā ai nāʻAha Kālā
- E kākoʻo i nā bureaus hōʻai'ē:
He aha nāʻike e pono iaʻu?
Ponoʻoe e mākaukau me kou inoa, ka helu wahi, ka helu mālama ola, a me ka lā hānau. Ponoʻoe e pono i kekahi mau helu ma mua mai nā makahiki i hala iho nei. Ma hope, e noiʻiaʻoe e hōʻike i kahi mea āu eʻike ai (e like me ka nui o ka uku i hāʻawiʻia, e like me keʻano) e like me ke ana palekana.
Pehea e hiki ai iaʻu keʻike i kaʻu Hōʻike Pūnaewele Kū'ē?
I mea e mālama ai i ke kaʻina hana, hiki ke loaʻa ka loaʻa i kekahi mau'āpana ma kekahi mau manawa. Ma ka lā 1 o Kepakemapa, 2005, hiki i ka lāhui a pau ke komo i kahi hōʻike loiloiʻole.
Inā piʻi a holo ka'āina, hiki iāʻoe keʻike i kāu hōʻike loiloiʻole ma kēia pūnaewele (ma www.annualcreditreport.com). Inā hoʻohanaʻoe i ka helu kuhiʻole, hiki i 15 mau lā a pēlā paha a hiki i ka wā e loaʻa ai ka hōʻike.
ʻO ka mea e ponoʻole iaʻu eʻike e pili ana i nā hōʻike pili kālā piliʻole?
Nā rula i loaʻa iāʻoe wale nō e loaʻa i kahi hōʻike loiloiʻole -ʻaʻole i ka heluʻaiʻole aiʻole i kekahi lawelawe'ē aʻe. Ma kāu kauohaʻana i kāu pūʻuluʻana, e makaʻala i nā ho'āʻoʻana o ka sneaky e kūʻai aku i nā mea hou e uku i ke kālā.
Inā makemakeʻoe i nā kiko'ī nitty-gritty, e ho'āʻo i kēia mau kumuwaiwai:
- ʻO kaʻike hoʻopuka FTC:ʻO kou loaʻa i nā hōʻikeʻike pili kālā
- Ka FAQ o AnnualCreditReport.com
Pehea e pili ai i nā mea kūʻaiʻaiʻole?
ʻAʻohe mea e like me ka loaʻaʻana o ka hōʻai'ē aupuni āpau.
Eia hou, ke hāʻawi nei ke kānāwai loea i nā pūʻulu piliʻole - akāʻaʻole nā helu i hanaʻia mai nā helu.
I ke kaomiʻana i kāu pūnaewele kūikawā, hiki iāʻoe ke kūʻai i ka hōʻai'ē'ai'ē mai kēlā me kēlā me kēia keʻena hōʻike hoʻopili kālā inā makemakeʻoe - e maʻalahi iā lākou e hana pēlā, aʻikeʻoe i nā makana.
He aha kaʻokoʻa ma waena o nā helu a me nā pūʻulu ? Aia kekahi hōʻike i loko o kaʻike kuhi -ʻo kaʻike a nā mea hāʻawi kālā a me nā pūʻulu aupuni i hōʻikeʻia i nā bureaus credit, e like me:
- ʻO nā loina āu i hoʻohana ai ma mua
- ʻO kēlā me kēia lina e hoʻohana neiʻoe
- Ināʻoe i uku mua i nā loina
- Nā moʻolelo a pau e pili ana i kāu hōʻai'ē
No ka loaʻaʻana o kahi heluʻaiʻai, hoʻopuka kahi papahana kamepiula i nāʻike kūmole mai kāu pūnaewele, hoʻopiliʻana iā ia, a puka i ka helu. ʻO ka hapa nui o nā poʻe loina e hoʻohana i nā helu hoʻolālā no lailaʻaʻole pono nā limahana e heluhelu ma nā mea a pau a loiloi i nā pūnaewele hōʻailona. E aʻo hou e pili ana i nā helu hōʻai'ē .
ʻOiaiʻaʻole hiki iāʻoe ke loaʻa ka helu no ke kaʻawale i kēlā me kēia manawa a makemakeʻoe, aia nā ala eʻike ai inā he maikaʻi a maikaʻiʻole paha kāu kālā. Hiki iāʻoe keʻike i ka hopena o kāu helu'ai'ē inā noiʻoe no kahi hōʻai'ē a wehe i kahi pūkeke (akā pono pahaʻoe e noi - aʻaʻole pahaʻoe eʻike i kāuʻike e pili ana i ka mea āu e hana nei). ʻO kekahi mau pūnaewele pūnaewele hoʻi e hāʻawi nei i nā kālepa hōʻike a me nā heluʻai kālepa "unofficial" e hiki ai ke kōkua. No nāʻike hou aku, eʻike pehea e loaʻa ai nā helu hoʻokele haʻahaʻa .