He aha ka hana ināʻoe e kākau i nā'ake hewa?
Uaʻike ka hapanui o nā poʻe i nā hopena hopena o ka hanaʻana i nā mākaʻikaʻi :
- Nā kāki : kāu kāleka - aʻo kēlā mea kēia mea āu i kākau ai i ka leka iā - e uku i nā uku ma kahi o $ 35 aʻoi aku paha ke hoʻihoʻiʻia kahi kope. Ināʻoe e uku nei i kekahi mea me ka lā kūpono, e nānā pū nō hoʻiʻoe i nā uku "uku" (a me nā pilikia'ē aʻe e hiki mai ana).
- Nā heluʻai kālā: ʻaʻole pono koke ka hōʻailona bounced e hōʻino i kāu hōʻai'ē , akā ponoʻoe e hōʻoki i nā mea a me kāu uku. Inā lōʻihi lōʻihiʻoe, hiki i kāu mea'ai'ē (inā he keʻena kākapa, mea kālepa, a'āpana aupuni paha) ke hoʻouna aku i kāu moʻokāki i kahi hōʻuluʻulu lālā - a laila e loaʻa ana kāu hōʻai'ē.
- Ka pauʻana o ka hoʻopili helu: ma hope o ka nui o nā kāleka i hōʻeuʻeuʻia, hiki i kāu kāleka ke pani i kāu pūnaewele e hōʻemi i ka pilikia
Nā List HanaʻIke
Nuiʻole ka poʻe iʻike he nui nā hui hōʻike hoʻolaha kiʻi e mālama ana i kāuʻike moʻokāki. Ināʻoe e iho i lalo i kāu pūkekike ma mua o ka manawa wale nō, hiki i kēia mau hui ke hana i nā pilikia noʻoe. Hoʻoponoponoʻia ka nui o kēia mau hui i lalo o ka Fair Report Reporting Act (FCRA), e like me nā keʻena hōʻike hōʻai'ē nui .
ʻO nā kumu nuiʻelua o ka hoʻolālāʻana i pilikia ai:
- Mālama i kahi leka - ināʻoe e kākau i kahi leka, akā, ua hoʻihoʻiʻia mai ka ukuʻole i ka wā e ho'āʻo ai kekahi e waiho a hōkeo paha i ka helu
- Ka nui o ke kālā - inā uku nā kālā i kāu moʻokāki (me nā kāleka āu e kākau ai, a me nā hoʻoili kālā hoʻoili pūnaewele) e hōʻoia kāu helu helu i laloʻole
ʻO ChexSystems kekahi o nā hui e mālama ana i kāu hana kāleka. Ke hoʻohana muaʻia neiʻo ChexSystems e nā'ahakuʻa a me nā uniona kālā i ka manawa e loiloi ai inā e wehe aʻaʻole paha i kahi helu hōʻailona nou.
He kūponoʻole ka loaʻaʻana o nā hōʻai'ē hōʻailona o nā mea kūʻai, a nui nā kālepa e hoʻomau i ka huliʻana i nā mea kūʻai aku ma mua o ka weheʻana i nāʻike. ʻO nā hui'ē aʻe, e like me TeleCheck, Certegy, a me Early Systems Warning Systems ke hāʻawi aku i nā hōʻike like.
ʻO ka ChexSystems ke
Ke mālama neiʻo ChexSystems i nā moʻolelo e pili ana i nā poʻe i loaʻa (kekahi a me kekahi) e hoʻonui i ka kālā ma mua o ka loaʻaʻana i kā lākou helu kālā, a me nā mea i hōʻino i nā kulekele'ē aʻe. Inā ua hōʻoiaʻoe i nā loiloi i ka wā ma mua a iʻoleʻoe i kālā i kahi pēke, loaʻa kahi kūpono e noho neiʻoe ma kaʻikepili ChexSystems.
Hiki i nā 'ōkeke a me nāʻele kālā kālā ke hāʻawi aku i kaʻike e pili ana i kāu hana kālepa i ChexSystems, a me nā kumuhana'ē aʻe kekahi mea kōkua. A laila, kūʻai nā pūnaewele waiwai mai kā ChexSystems eʻike ai inā he mau pilikia i nāʻauwai'ē aʻe .
ʻO ka'ōlelo ChexSystems poʻokela wale nō kaʻikeʻole i kaʻike . I nā hua'ōlelo'ē aʻe, he moʻolelo wale nō kāu i loko o kēlā pūʻulu inā ua hōʻoiaʻoe i nā hōkeo a loaʻa paha i nā kāleka kāleka. Ināʻaʻohe mea i loko o kāu hōʻikeʻo ChexSystems, he mea maikaʻi loa ia - a heʻokoʻa ia i nā pūnaewele hōʻai'ē no ka hōʻai'ē , iʻoi aku ka maikaʻi inā hiki iāʻoe ke hōʻike i ka moʻolelo paʻa o ka borrowing a me ka uku .
Ua mālamaʻia nā moʻolelo kūikawā me ChexSystems noʻelima mau makahiki, aiʻole hiki i ke kāleka a iʻole kaʻahahui i hōʻike i ka pilikia e koi ana e laweʻia.
Eia naʻe, hiki ke hoʻopiʻiʻia nā palapala hoʻopunipuniʻole (e hoʻopauʻia ana inā hiki iāʻoe ke hāʻawi i ka hōʻoia kūpono o ka kuhihewa a iʻole kaʻaihueʻana).
ʻAʻole i hoʻoholoʻo ChexSystems inā uaʻaeʻoleʻiaʻoe e wehe i kahi waihona kālā. Hiki i nā 'Banks ke hoʻoholo i kēlā hoʻoholo e pili ana i kā lākou mau kulekele - akā eʻoi aku ka maikaʻi inā e hoʻomaʻemaʻeʻia kāu hōʻikeʻo ChexSystems.
Loaʻa i nā Scores a me nā hōʻike
E like me nā 'agena hōʻuluʻulu manaʻo kūʻai , makemakeʻiaʻo ChexSystems e hāʻawi iāʻoe i ka kope o kāu hōʻike i kēlā me kēia makahiki me ka ukuʻole. No nā kiko'ī no ke kauohaʻana i kahi pūʻulu, e kipa i ka pūnaewele ChexSystems. E hana anaʻo ChexSystems i kahi Consumer Score, he helu ia i hoʻohanaʻia e ho'āʻo a wānana i kāu hana e hiki mai ana. Hiki iāʻoe ke hoʻonohonoho i kāu helu, nā mea i hāʻawiʻokoʻaʻia e like me kēia palapala (akā uaʻaeʻia nā pūnaewele hōʻike kālā e uku i nā uku no nā helu).
Hōʻikeʻelua
Inā hōʻike ka hōʻikeʻo ChexSystems i ka paʻakikī i ka weheʻana i kahi moʻokāki, ponoʻoe eʻike i kahi kālā aʻaha kālā paha e makemake e hana pū meʻoe. Loaʻa iāʻoe nā koho.
ʻAʻohe nānā: ʻaʻole i hoʻohana nā kāʻei a pau i nā hōʻike a ChexSystems. Huli kekahi, aʻaʻole lākou e hoʻohuli iāʻoe ma muli o nā mea o nā hōʻike. ʻO nā kāleka liʻiliʻi liʻiliʻi a me nā uniona hōʻailona kāuʻoiʻoi akuʻoi loa.
E hōʻoia i kekahi manawa : i kekahi manawa e hiki ke hoʻopiʻi i kāu hihia - e wehewehe i ka mea i hanaʻia me kāu mau helu hōkeo i ka wā ma mua a no ke kumu i manaʻoʻole aiʻoe i nā mea like e hana ai i ka wā e hiki mai ana. Eia hou, ua maikaʻi kou kūlana me kahi kula liʻiliʻi.
ʻO ka lua o nā pahuhopu:ʻo kekahi o nā bank, ma ke kulekele, ua hauʻoli e wehe i nāʻike no ka poʻe ma ka papa inoa hōʻino. ʻIkeʻiaʻo "nā helu pilikino lua,"ʻo kēia mau moʻolelo ke hāʻawi nei iāʻoe i ke kūponoʻole e hoʻolimalima, akā ināʻaʻole hiki iāʻoe ke kākau inoa no ke kikowaena pololei , nā kālā mālama kālā, a loaʻa ka uku. Ma hope o ka manawa, hiki iāʻoe ke hana i kou ala e hoʻi i kahi pūnaeke kīʻaha piha.
Kāpae Bouncing Checks
No ka paleʻana i nā pilikia i ka wā e hiki mai ana, e mālamaʻoe i kahi kālā palekana i kāu kālā. E hoʻomaka pono e hoʻopili pono i kāu palapala helu no ka manawa a pau, aʻikeʻoe ināʻoi aku ka maikaʻi o nā hana uku'ē aʻe (e like me ka palapala hoʻopihapiha , ka mea e hōʻole kokeʻia ināʻaʻole lawa kāu kālā i kāu pūnaewele).