ʻIke o kāu hōʻike hōʻike
Pehea e hoʻohana ai i ke kālā i kāu hōʻike kālā?
Hoʻomaopopoʻia nāʻike pilikino e nāʻoihana i kapaʻiaʻo nā bureaus credit a iʻole nā pūnaewele hōʻike hōʻai'ē.
MaʻAmelika Hui Pūʻia,ʻekolu mau poʻomanaʻo koʻikoʻi nui: Equifax, Experian, a me TransUnion. Uaʻae nā kamaliʻi i kālepaʻoe me kaʻaeʻana e hoʻouna aku i kāu'ike'ē i nā bureaus (ma ka liʻiliʻi o kekahi o lākou aʻekolu paha) a laila e hoʻololi i kēlāʻike i loko o kāu hōʻike kālā. ʻO ka hapa nui o kāu hōʻai'ē kāleka a hōʻai'ē pūnaewele e hōʻano houʻia i kāu hōʻike kālā i kēlā me kēia mahina
ʻO kekahi mauʻoihanaʻaʻole e hōʻoia i kāu hōʻike kālā me kāu uku mahina, akā e hōʻike i nā kālepa kālā i ka wā e lilo aiʻoe i mea kolohe loa i kāu uku. No ka laʻana,ʻaʻole hoʻokomo ponoʻia kāu palapala laina kāpili i kāu hōʻike hoʻoili, akā ināʻoe e hāʻule ma mua oʻeono mahina ma hope o kāu uku, hiki ke heluʻia ka pālākiō ma kāu hōʻike kālā kālā e like me ka hōʻiliʻili kālā.
He aha keʻano o kaʻike i loko o ka hōʻike kālā?
Nā hōʻikeʻike kālā me nāʻikeʻike maʻalahi e like me kou inoa, kāu helu wahi, a me kāu wahi hana.
Hiki ke heluʻia nā Misspellings o kou inoa a me nā helu mua a me nā poʻe hana ma kāu hōʻike kālā. I kekahi manawa no ka hewa o kaʻoihana i haʻi i kāuʻike. A iʻole, hiki ke hōʻailona o ka meahuehue .
Loaʻa i kāu hōʻike kālā kālā kahiʻike piha e pili ana i kāu mau kāleka kāleka a me kāu loans.
No nā kāleka kāleka, kāu palekana, palena palena kālā,ʻano pilikino, kahi pilikino, a me ka moʻolelo kuhiʻana i loko o kāu hōʻike hōʻike kālā. 'Elepa kālā hōʻai'ē, ka hōʻai'ē kālā mua, aʻikeʻia ka moʻolelo hoʻokele i kāu hōʻike kālā.
ʻO nā moʻolelo o ka lehulehu e like me ka banekorupa, hana paʻa, mea waiwai, a me nā pilina pili kālā e heluʻia ma kahi mahele o kāu hōʻike kālā.
Aia i loko o nā hōʻike kālā kahi papa inoa o nāʻoihana i hoʻokaʻina houʻia i kāu moʻolelo loiloi ma muli paha o kahi noi āu i hana ai a iʻole kahi hoʻolālā kūkala. Uaʻikeʻia kēia mau hōʻai'ē kālā e like me nā nīnau. ʻO kāu hōʻike o kāu hōʻike hōʻike kālā e hōʻike i nā nīnau mai nā mea a pau i huki i kāu hōʻike kālā, a me nāʻoihana e nānā i kāu hōʻike no nā hana hoʻolaha. ʻO ka hōʻailona o kāu mea hōʻai'ē hōʻike wale nō i nā nīnau i hanaʻia inā hoʻokomoʻoe i kekahiʻano o ka noi.
Hiki iāʻoe (a me kāu) keʻike i kāu hōʻike kālā
Ponoʻoe e kauoha i kāu hōʻike hōʻai'ē ma kahi o hoʻokahi a ma ka makahiki eʻike pono i kaʻike i hoʻopaʻaʻia ma luna o ia. Inā manaʻoʻoe he mea hihiaʻoe i kaʻaihueʻana, ponoʻoe e nānā i kāu hōʻike loiloi pinepine.
Hiki iāʻoe ke kauoha i kāu hōʻike hōʻai'ē iʻoi aku pinepine aku ma mua o kēlā me kēia inā e ho'āʻo neiʻoe e hoʻoponopono i kāu hōʻai'ē aiʻole inā makemakeʻoe e noi no kahi loina nui.
Hiki iāʻoe ke hoʻonohonoho i kāu loiloi kālā ma kekahi mauʻano: no ke kaʻawale ma o ka pūnaewele i hoʻonohonohoʻia e ke aupuni no ia kumu, no ka mea kelepaʻi ma o ka hoʻolaha hoʻolaha, aiʻole ma o ka kūʻaiʻana mai kekahi o nā kumukūʻai ukuʻekolu.
No ke kumu e pono ai kāu hōʻikeʻike kālā
Nui nāʻoihana'ē aʻe e nānā i kāu hōʻike kālā e hoʻoholo e pili ana iāʻoe. E nānā nā keʻena i kāu hōʻike hōʻai'ē ma mua o ka hōʻoiaʻana iāʻoe no nā kāleka kāleka a me nā loina, e like me ka moraki a me ka hōʻai'ē kālā. ʻIkeʻia e kāu poʻe konohiki ka hōʻike kālā hoʻoholo e hoʻoholo ai inā e uku iāʻoe. Nānā kekahi poʻe loea e nānā i nā hōʻike kālā kālā ma keʻano he wahi o ka papa hana noi.
ʻO kāu loiloi kālā e pili ana i nā hapa he nui o kou ola, no laila, he mea nui kaʻimi i loko o kaʻike a pololei.
ʻO kāu hōʻike kālā kālā kahi kumu kumu o kaʻike no kāu helu'ai'ē -ʻo kekahi mau mea hāʻawi manawaleʻa i kekahi manawa ma kahi o kahi a iʻole paha i kāu pūʻulu hoʻoili. ʻO ka heluʻikeʻai he helu heʻekolu-helu keʻano o nā mākau i kāu hōʻike kālā. Hōʻike nā hōʻike kiʻekiʻe kiʻekiʻe i kouʻike maikaʻiʻana i kāu hōʻike kālā i ka hōʻikeʻana i nā heluʻai haʻahaʻa i kaʻike o kaʻikeʻole.