Hoʻopili pū nā pūʻulu hōʻuluʻulu i nāʻikepili e pili ana i kāu moʻaukala pilina
ʻO nā burea o nā Credit, i kapaʻiaʻo nā pūnaewele hōʻike hōʻai'ē,ʻo ia nā hui e hōʻiliʻili a mālama i kaʻike kālā kālepa a laila kūʻai aku i nāʻoihana'ē aʻe ma keʻano o kahi hōʻike kālā. ʻO lākou a pau nā pāʻoihana lehulehu, nāʻoihana uku-kālā-ʻaʻohe kuleana o ke aupuni. Eia naʻe, ua loaʻa i ke aupuni kahi kānāwai-ʻo ka Fair Report Reporting Act (FCRA) -e hoʻoponopono nei i ka pili a me ka hanaʻana o nāʻoihana hoʻokele.
Ka mea a nāʻAha'Iha Kū'ē Kū'ē e ... a me ka meaʻaʻole lākou e hana
Pili nā kumukūʻai uku nui i nāʻike pilikino mai nā kamupene e hana neiʻoe me kaʻoihana. Hoʻokomo pinepine lākou i nā moʻolelo kūikawā kūpono , e like me ka pili pili kālā a me nāʻike banekorupa, a hoʻokomo i kēia ma kāu hōʻike kālā.
A laila, ke kūʻai aku neiʻoe i kāuʻike hōʻai'ē i nāʻoihana i loaʻa ka mana kūpono e nānā ai i kēia. Eia kekahi laʻana,ʻo kahi hui āu i noi ai no ka hōʻai'ē e loaʻa ka pono kūpono e nānā i kāu mōʻaukala hoʻokele. Hiki ke kūʻaiʻia aku paha kāuʻike i nā kamaliʻi e makemake ana e hoʻolako iāʻoe no kā lākou huahana a me nā lawelawe.
Akā, hiki i nā keʻena hoʻopiʻi hōʻailona ke hāʻawi i nāʻikeʻike a me nā mea hoʻopuka helu e kōkua ai i nāʻoihana e hana i nā hoʻoholo e pili ana i ka hāʻawiʻana iāʻoe i ka hōʻai'ē a me keʻano o ka uku pānaʻi e pono iā lākou ke kauoha iāʻoe. ʻAʻole nā koi i hana i kēlā mau'ōlelo hoʻoholo.
ʻO nāʻAhahui HoʻokaʻaʻikeʻIkeʻIkeʻia nā Kuleana Kūkaʻawale
He mau pilina pili kālā kālepa me nā kāleka, nā hoʻopuka kāleka kāleka, a me nāʻoihana'ē aʻe e hiki ai iāʻoe ke loaʻa nā kālā.
E hōʻikeʻia ka mōʻaukala pūnaewele ma kahi hoʻokahi a iʻole paha o kāu mau'ōlelo hoʻoili kālā mai kēia mau keʻena no kēia mau pilina.
ʻAʻole i hoʻokaʻawale nā keʻenaʻike kālā i kāuʻike pilikino me kēlā me kēia. Hiki i kāu poʻe'ai'ē ke hōʻike i nā kumukūʻai ukuʻekolu a iʻole paha i kekahi o lākou no lailaʻaʻole e likeʻole kekahi o nāʻike ma kāu faile loina me kēlā me kēia.
He mea nui e nānā i kēlā me kēia manawa i kāu mau hōʻike mai ka nui o nā pūʻulu e hiki ai ke hōʻoia i ka pololei o nā mea a pau.
Ke hiki i nā mea hōʻai'ē a me nā mea kālā e hōʻiliʻili i kāu hōʻai'ē, hiki iā lākou ke huki i ka loiloi kālā a kēlā me kēiaʻoihana ma mua o ka nui o lākou. ʻO kaʻoihana maʻamauʻole ka uku no nāʻoihana e nānā i hoʻokahi hōʻike hoʻoili.
Kūʻai kekahi mau hana i kahi hōʻike kūikawā
Ke hoʻolaleʻale nei kekahi o nā pūnaewele hōʻai'ē i kekahiʻano o ka hōʻikeʻana i nā mea e hāʻawi ana i nā mea hoʻoili a iʻole nā hui i nā pūʻulu kūʻai mai iā lākou ma mua o ka poʻe'ē aʻe, e like me kā lākou mau pono. Eia kekahi laʻana, PRBC / MicroBilt e lawelawe nui i nā mea hoʻolale kālā i ka poʻe eʻae nei e hoʻolako i nā haʻawina i nā poʻe liʻiliʻi a me ka poʻe i loaʻaʻole ka hōʻai'ē kūlohelohe. 'Ikovis wale nō kaʻikeʻikepili e kōkua i ka hōʻoiaʻana i kouʻike no nā kumu o ka hana a me kaʻikeʻana i nā tinihanga.
'Aʻole paha e hōʻiliʻili kēia mau' ahahui kūikawā i nā ' ike a pau e pili ana i kāu mōʻaukala pili kālā akā wale nō ka' ike e pili ana i ko lākou kikowaena. Eia kekahi laʻana, kekahi mea maʻalahi i ka nānāʻana i nā limahana hana a nā mea'ē aʻe e mālama i nā moʻolelo hokele no nā konohiki. Aia nā pūnaewele waiwai i kā lākou pūnaewele pūnaewele pono'ī, e like me Telechek a me ChexSystems, ke nānā aku nei i nā hana kīmī kālā e like me nā overdrafts.
ʻO kekahi o nā keʻena e kū hoʻokahi i nāʻoihana pilikino a mea hoʻokele paha.
Ponoʻoe e kelepona i nā Burea Credit
Loaʻa iāʻoe ke kuleana e nānā i kāu loiloi kālā a hiki iāʻoe ke kauoha i kahi hōʻike kūʻokoʻa mai kēlā me kēia o nā keʻena hōʻike hōʻai'ē nui i kēlā me kēia makahiki. E hele wale aku i AnnualCreditReport.com e hana i ka noi. Hiki iāʻoe ke loaʻa kekahi kope o kāu hōʻike me ka ukuʻole inā ua hoʻololiʻiaʻoe no ka hōʻai'ē, akā, ponoʻoe e noi i loko o 60 mau lā.
Hiki iāʻoe ke kūʻai i kāu hōʻike hōʻai'ē mai kekahi o nā pūʻulu hōʻike hōʻai'ē i kēlā me kēia manawa. ʻElua mau keʻena nui,ʻo Equifax a Experian, e hāʻawi i nā pūʻulu hōʻailona e loaʻa ai nāʻike mai nā keʻena nui o ka hōʻike hōʻai'ē nui ma kahi palapala hoʻokahi.
Keʻike nei i kaʻike i kāu Pūʻulu
Hiki paha iāʻoe ke noi aku i kahi leka hoʻopalekana pololei i ka hihia piliʻole i loaʻa i kāu hōʻike, aiʻole e kūʻai i kāu helu'ai'ē.
Heʻokoʻa kēia ma kāu hōʻike kālā. Loaʻa kāu helu mai kaʻike i loko o kāu hōʻike kālā.
Hiki paha iāʻoe ke hele aku i kahi lālā hōʻike hōʻai'ē e waiho i kahi hoʻomanaʻo kolohe a palekana paha i kāu hōʻike kālā inā loaʻa iāʻoe ke kumu e manaʻo ai he mea hihiaʻoe i kaʻaihue.
Hoʻokaʻaʻike
Aia kekahi mau keʻena hōʻike hōʻai'ē ma ka US, akāʻo ka hapanui o nā poʻe i maʻa i nā mea nuiʻekolu:
- Equifax : PO Box 740241, Atlanta, GA 30374-0241, 1-800-685-1111
- Experian : PO Box 2104, Allen, TX 75013-0949, 1-888-EXPERIAN (397-3742)
- TransUnion - PO Box 1000, Chester, PA 19022, 1-800-916-8800
ʻO kaʻike hulina no nāʻoihana bureaʻai'ē aʻe:
- PMBC / Microbilt: PO Box 440693, Kennesaw, GA 30160, 1-888-222-7621
- SageStream: PO Box 503793, San Diego, CA 92150, 1-888-395-0277 (koho 1)
ʻAʻoleʻo FICO'IlepaʻImiʻIke
ʻO ka Fair Isaac Corporation (FICO) kahiʻupena nui'ē aʻe ma kaʻoihana hana kālā. Ua hoʻokumu a mālamaʻo FICO i ka FICO uku'ai'ē , akā,ʻaʻole ia he lālā hōʻai'ē. ʻOiai ka FICO e hōʻiliʻili i nā heluʻikepili e pili ana i nāʻikepili mai nā kumukūʻai uku nui,ʻaʻole lākou e hōʻiliʻili i kaʻike pūnaewele hōʻike no lākou iho.