I ka wā e nānā aku ai kekahiʻoihana i kāu hōʻike kālā hoʻoili, ua hoʻokumuʻia kahi noiʻi ma kāu hōʻike e hōʻike ana i ka mahina a me ka makahiki i hoʻopaʻaʻia kāu hōʻike kālā. ʻAʻole mālama nā pole'ai'ē i nā nīnau no kou lokomaikaʻi a iʻole nāʻoihana e nānā i kāu hōʻike kālā i ka wā e hiki mai ana. ʻO kaʻoiaʻiʻo,ʻo ka Fair Credit Reporting Act e koi ana i nā kālepa hoʻokele e mālama i ka papa inoa o nāʻoihana e nānā i kāu hōʻike kālā.
Ke nānāʻoe i kāu hōʻike kālā , eʻikeʻoe i ka papa inoa o kēia mau nīnau e pili ana i ka hopena o kāu hōʻike kālā.
ʻOiai uaʻikeʻia nā nīnau a pau i loko o kahi papa inoa,ʻelua mauʻano loiloi hōʻike noiʻi: nīnau koʻikoʻi a me nā nīnauʻeleʻele.
He aha keʻano o ka nīnau pale?
Hiki paha iāʻoe ke hopohopo no kaʻikeʻana i nā nīnau mai nāʻoihana āu i noiʻole ai. ʻO kekahi paha he mauʻoihana āu i loheʻole ai. Mai huhū nuiʻoe; hiki paha i nā nīnau noiʻi haʻahaʻa aʻaʻole iʻoi aku ka hewa e like me kou manaʻo.
I kekahi manawa e nānā aiʻoe i kāu hōʻike hoʻoili kālā, he nīnau maʻalahi, i kekahi manawa e nānāʻoe i kāu hōʻike kālā, hoʻopili kahiʻoihana i kāu hōʻike kālā no nā hoʻolālā hoʻolauleʻa, a iʻole kekahiʻoihana āu i kāleka ai me ka nānāʻana i kāu hōʻike kālā. Eia kekahi laʻana, hiki i kahi hui kāleka kāleka ke noi i kāu hōʻike kālā e hoʻoholo ai inā e hoʻouna iāʻoe i kahi hāʻawi kālā kāleka i'āpono muaʻia. Me kaʻokoʻa o kāu noi pono'ī no kāu hōʻike kālā, hōʻikeʻia nā noiʻi mālie me kāuʻaeʻole. ʻO ka mea pōmaikaʻi,ʻaʻole e pākuʻi kēia mau nīnauʻeleʻele i kāu helu'ai'ē me ka nui o nā mea iʻikeʻia.
ʻIkeʻia nā nīnau koʻikoʻi , ma kaʻaoʻao'ē aʻe, ma kāu hōʻike kālā i ka wā e nānā ai kahiʻoihana i kāu hōʻike kālā hōʻoia e'āpono i kāu noi no kahi kāleka hōʻai'ē, hōʻai'ē a iʻole lawelawe lawelawe'ē aʻe. ʻIke i nā nīnau ikaika no 10% o kāu helu'ai'ē. ʻOiai lākou e noho ma kāu hōʻike kālā no nā makahikiʻelua, hiki i nā nīnauʻeleʻele wale nō ka hopena i kāu helu heluʻai no hoʻokahi makahiki.
I kekahi manawa, e nānā kahiʻoihana i kāu hōʻike kālā no nā kumu'ē aʻe ma mua o ka hāʻawiʻana iāʻoe i ka hōʻai'ē. Eia kekahi laʻana, hoʻokaʻawale nā poʻe kaʻa kua'āina i kekahi manawa keʻoleʻoe e hoʻohana ana i kahi kāleka hōʻai'ē nui. Inā he mau nīnau kāu e pili ana inā he paʻakikī a maʻalahi paha ka huliʻana, hiki iāʻoe ke nīnau i ka hui e hāpai ana i kāu hōʻike kālā. E makemake anaʻoe e hōʻemi i nā noiʻi ikaika inā e ho'āʻo neiʻoe e mālama i ka heluʻai maikaʻi maikaʻi a me ka mea inā e hoʻolālāʻoe e noi no kahi loina nui.
Peheaʻoe e pili ai i nā manaʻo noʻonoʻo
Uaʻike muaʻoeʻaʻole i hoʻokomoʻia nā nīnauʻeleʻele i kāu helu'ai'ē. ʻO ia hoʻi,ʻaʻoleʻoe e hopohopo e pili ana i kēia mau noiʻi e uku ana iāʻoe i nā heluʻai. I ka wā e nānā nā mea loiloi i kāu hōʻike kālā,ʻaʻole lākou eʻike i nā nīnau ninini. Ma kahi a, eʻike wale lākou i nā nīnau paʻakikī i hanaʻia i ka wā i hoʻomaka aiʻoe i kahi noi no nā lawelawe hōʻai'ē a iʻole i ka lawelawe kālā. ʻO ka'euakai maikaʻi,ʻo kēlā mau huna a pauʻole i kāu heluʻai'ai'ēʻaʻole e helu iāʻoe i ka manawa e noi aiʻoe no ka hōʻai'ē.
Ināʻoe, e huki i kahi kope o kāu hōʻike kālā a hāʻawi iā ia no kahiʻoihana e nānā ai, eʻikeʻia nā nīnau'eleʻaleʻa ma hope o ka hōʻoiaʻana o kāu hōʻike kālā.