ʻO kahiʻano nui o ka pale pilikino kahi palekana iʻikeʻia . E like me kāu e hana ai i kekahi mau mea e pale ai i kouʻohana, ola, home, a waiwai paha, ponoʻoe e hōʻoia i ka mea hoʻokahi wale nō e hoʻohana ana i kouʻike maoli,ʻoʻoe.
Ma keʻano he akamai i ka meaʻaihue a me kaʻoihana palekana, ua pilikia au i kekahi mau mea hana a me nā lawelawe e koi nei e pale i nā kānaka mai kaʻikeʻole i kaʻike.
Aia ka nele i ka lihi ma nā huahana i laila, akā he mea nui no kēia mau mea e maopopo loa. Ma nā'ōlelo'ē aʻe, ponoʻoe eʻike i kāu mea e loaʻa ai, i kāna mea e hana ai, a me keʻano a me ke kumu paha e pono aiʻoe.
ʻO ka hapa nui o nā lawelawe i loaʻa no ka paleʻana i kaʻikeʻana i ke kaʻawale, heʻano ia o ka inikua, a iʻole he mea e hōʻoiaʻiʻo ai, me ka hoʻohoihoi hou, ka hoʻouka, a me ka nānāʻana. Eia naʻe, hikiʻole ke loaʻa nā kiko'ī e pili ana i kahi mākaʻikaʻi o ka lawelawe. Hiki ke hoʻohālikelike i kekahi mea mai kaʻimi pūnaewele i ka pūnaewele i ka nānāʻana i ka hoʻokele.
Ke koi pinepine nei kēia mau lawelawe e kōkua i nā kānaka e hōʻaihoʻi mai i kaʻaihue maoli, akā, e hoʻomaopopoʻia ka pepa maikaʻi e hoʻopauʻia ka hopena i ka mea e mālama ai lākou, a laila, hele a pāʻani inā pau ka lawelawe. ʻO kēlā'ōlelo, eʻoi aku ana kahiʻoihana ma waho o ka pepa maikaʻi a kōkua hoʻi i ka wā e hikiʻole ai iā lākou ke lawelawe iāʻoe. No laila e nīnau i nā nīnau.
ʻO kekahi mau hiʻohiʻona e pili ana i ka hoʻomaopopoʻana iāʻoe i kaʻikeʻana o kaʻike pilikino, e like me ka helu mālama ola, inoa, kahe, a me ka helu aie.
ʻO kaʻike pono i ka mālamaʻana i ka palekana e pono ke holo wikiwiki me ka pānaʻi hewa hewa e ulu nei, a hāʻawiʻia i nā māhele o kaʻike, ka mākaʻikaʻi, nā leka a me kaʻike pilikinoʻike.
ʻO kekahi mau lawelawe hoʻomalu hoʻokipaʻike wale nō,ʻo ia wale nō nāʻoihana kālepa i hoʻokumu i kēia manaʻo me kaʻikeʻole i ka mālama pono maoli .
Ke kuhi nei lākou i ka poʻe kūʻai i kā lākou lawelawe, e uku ana i $ 100 - $ 200 i ka makahiki, akā naʻeʻaʻole lākou e haʻi iāʻoe,ʻo ka nānā wale lākou i ka Internet e nānā nei i kāuʻike, a inā i kaʻi hopeʻia kouʻike, e hāʻawi wale lākou i nā'ōlelo aʻo e pili ana. hoʻoponopono iā ia.
Uku nā 'ōke kālā, nā hui kāleka kāleka, a me nā hui' inimahi palekana pilikino. Akā, he nui ka hapanui o nā lawelawe inoa inoa keʻokeʻo.
Ke kohoʻoe e kāpili i kahi palekana hilahilaʻole, mai hinaʻoe no ke kālepa kūʻai. Ma kahi maikaʻi, koho i kahi hui paʻa e pale aku iāʻoe.
Ponoʻoe e hōʻoiaʻiʻo i kaʻike inoa?
Uaʻike paha pahaʻoe i kekahi mau pāhahalaha no ka paleʻana i kaʻaihue iʻikeʻia, akā ua hanaʻoe i ka manaʻo e hoʻololiʻoleʻia kouʻike. Eia naʻe, loaʻa iaʻu nā lono noʻoe ... pono mākou e palekana i kaʻike!
Inā hiki iāʻoe ke paneʻia "ʻAe" i kekahi o nā nīnau ma lalo nei, aʻaʻoleʻoe e hoʻomalu iāʻoe iho,
- Loaʻa iāʻoe a kāu keiki paha kahi helu mālama ola?
- Loaʻa iāʻoe kekahi mau pili, e like me ka haʻawina, kōkua, kāleka kāleka a iʻole kelepona pūnaewele, i loko o kou inoa?
- Heleʻoe i ka niho a me ke kauka?
- Ke hoʻoili neiʻoe i kaʻauhauʻauhau?
- Ua hoʻomauʻia pahaʻoe i kahi maʻi ma kahi haukapila?
- Ke hoʻohana neiʻoe i ka pūnaewele?
- Loaʻa iāʻoe kekahi laikini kaʻa?
- Loaʻa kāu pūleke kālā?
- Loaʻa kāu hōʻai'ē maikaʻiʻoleʻaʻohe kālā?
- Loaʻa a hoʻohanaʻole pahaʻoe i nā kāleka kāleka?
- Ke ola neiʻoe?
Loaʻa iāʻoe kahi helu maʻaneʻi; keʻoleʻoe e noho i loko o nā ululāʻau,ʻaʻoleʻoe i hoʻokuʻu i loko o ke kaiāulu, ua make, hūnāʻole, hoʻolako i kāu olakino a olaʻole me ka waiwaiʻole, ua pilikiaʻoe. Inā nōʻoe he home home, hikiʻoe i ka mea i loaʻa i kahi mea hihia.
Hiki iāʻoe ke kōkua kōkua maahi kālā?
ʻO ka luhi kālā he hōʻailona e hiki ke laka i nā faila'ai'ē a kekahi mea i hikiʻole i ka mea nāna ke uku ke nānā i kā lākou hōʻai'ē. He ala maikaʻi kēia e pale aku ai i ka poʻe hewa e wehe ana i nāʻike hou ma lalo o ka inoa a iʻole ka helu mālama ola o kekahi mea nāna i hoʻonoe i ka hōʻai'ē. Inā hikiʻole i kekahi mea nāna e uku a me ka mea'ai'ē ke nānā i kahi hōʻai'ē o kekahi, hikiʻole iā lākou ke hoʻonui i ka hōʻai'ē, hiki iā ia ke pale aku iāʻoe.
No kēia hana, e koi anaʻoe i ka hōʻai'ē e hoʻokuʻuʻia mai kēlā me kēia o nā bureaus nama. ʻO keʻano o ka hōʻailona hoʻolimalima e komo i loko o ka palapala hōʻike me ka inoa o kahi kanaka, ka helu mālama ola, ka helu a me kahi kope o ka bila. Hiki i nā kumukūʻai hoʻolimalimaʻekolu ke hoʻolimalima i kahi uku liʻiliʻi no kēia lawelawe, a hiki i $ 15, akā,ʻaeʻole kekahi, ma muli o ka moku'āina āu e noho nei.
Ke hoʻopauʻia ka noi, ua hoʻopiʻi loaʻia kouʻikeʻana e pili ana i kahi kuhi pūnaewele hou. Akā, e hoʻomanaʻo, aia kekahi mau hana'ē aʻe e pono ai kāu e lawe i mea e hōʻoia ai i kaʻike a me nāʻike pilikino e mālama nei.
Aia ma kahi o 10 miliona mau mea i loaʻa i ka mea iʻaihueʻia i kēlā me kēia makahiki maʻAmelika Hui PūʻIa. Uaʻike ka hapa nui o nā mea i loaʻa ua hoʻohana nā meaʻino i kaʻike pilikino, e like me kahi helu mālama ola, e wehe i nāʻike inoa ma ko lākou inoa. Akā, me ka palekana palekana, akā naʻe,ʻaʻole paha e hiki kēia.
Me ka palekana palekana ma kahi o nā kumukūʻai ukuʻekolu,ʻaʻole hiki i ka meaʻaihue ke wehe i kahi lekapila hou mai ka mea hikiʻole i ka mea kūʻai aku a iʻole ka mea'ai'ē ke nānā i ka faile waihona. Ināʻoʻoe kēia, a ponoʻoe e noi no ka hōʻai'ē, hiki iāʻoe ke hoʻonui i ka hoʻolālā no kekahi manawa me ka hoʻohanaʻana i kahi PIN, no laila hiki ke hanaʻia kekahi noi loiloi kūpono.
ʻOiai he pono ka luhi kālā a he mea nui hoʻi, hiki ke hana maʻalahi no kekahi poʻe.
E hoʻomanaʻo wale i ka mea maʻalahi ka hanaʻana i ka luhi kālā, a ke kōkua nei lākou e pale i kouʻike,ʻaʻole lawa i ka mālama ponoʻana iāʻoe. Aia kekahi mau mea'ē aʻe āu e hana ai ma waho aʻe o ka malohi. Eia nā pane i nā nīnau maʻamau a nā kānaka e pili ana i nā pili kālā:
I ka wā hea e hoʻolimalima ai ka hōʻai'ē i ka manaʻo maikaʻi?
Ināʻoe he 18 makahiki a loaʻa iāʻoe ka hōʻike hoʻoili, aiʻoleʻoe ma lalo o 18 a hiki i kou moku'āina eʻae iā ia a / aiʻole iʻole kahi i'ikehueʻia e like me kaʻikeʻoleʻiaʻana, he manaʻo maikaʻi.
He aha ka mea e noʻonoʻo ai ke kanaka ma mua o ka loaʻaʻana o ka hōʻai'ē kālā?
Mai noʻonoʻo i kekahi mea. Pono e hoʻomauʻia ke kala ma luna o ka papa. Eia naʻe, ua hoʻolimalima nā mea kūʻai, nā'auleʻa, a me nā mea hāʻawi kālā i ka miliona miliona no ka hoʻopauʻana, no ka mea, e hōʻemi i ka hōʻai'ē manawa a kēia mau hui e hāʻawi ai, a ke koi nei nā hui i kēia "mau kiko" i ka pūnaewele hāʻawi.
Ehia nā kumukūʻai o ka hōkei kālā?
ʻO ke kumukūʻai o ka hoʻolimalima hōʻai'ē mai ke kaʻawale aiʻole i kahi $ 15 ma ka papa hana. ʻO kēia kumukūʻai e pili ana i ka hana a ka Loio Nui o kou moku'āina i hanaʻia me nā bureaus credit. Loaʻa paha kahi uku i pili i ka hōʻikeʻana i nā kumukūʻai, kahi i kaʻaʻole mai i ka $ 5.00. Hanaʻia kēia inā makemakeʻoe e noi no ka hōʻai'ē hou.
Pehea kaʻahaʻaina i ka hoʻolimalimaʻana i ka hōʻai'ē?
ʻO kaʻoiaʻiʻo,ʻaʻole hiki keʻae kūpono kahi hōkei kālā. Akā naʻe,ʻaʻole kēia he nui nui, akā. He mau minuke wale nō ia a me kahi'āpana liʻiliʻi e kākau inoa no lākou, a ma kahi oʻelima mau minute wale nō e wehe ai. He kumukūʻaiʻuʻuku kēia e uku ai no ka palekana o kouʻike.
'Akeʻia e kaʻu hōʻai'ē kuʻu hōʻai'ē'ai'ē?
ʻAʻole
Pehea eʻokoʻa ai kahi alana hoʻopunipuni ma kahi hoʻolimalima kālā.
ʻO kahi leka hoʻopunipuni wale nō e hala ana no 90 mau lā, aʻaʻole lākou e hoʻokuʻu i kāu hōʻai'ē. Ma kahi wale nō, e hoʻouna wale aku lākou i kahi leka i nā mea hāʻawi kālā i loaʻa paha iāʻoe kaʻike i'ikehueʻia. ʻAʻole naʻe kēia e hōʻoki i ka mea nāna e hāʻawi mai i ka hāʻawi kālā. ʻO nā leka hoʻopunipuni , ma kahi maikaʻi, he "hoʻomaopopo" wale nō i hiki ai ke hewa i kouʻikeʻana, akā,'ōlelo wale nō ia e pono i kahi mea nāna e hāʻawi aku iāʻoe ke hōʻike aku iāʻoe ma mua o ka hoʻokumuʻana i kahi hōʻai'ē ma kou inoa. I kekahi'ōlelo'ē aʻe, he mea wahaheʻeʻo ka palekana.
Ma hea e hiki ai iaʻu ke hoʻokuʻu i kuʻu hōʻai'ē?
E hoʻolālā i kou hōʻai'ē ma ke kāomiʻana i ka inoa o kēlā me kēia keʻena:
- Experian
- Equifax
- Ke kalo
He aha ka mālamaʻana i ke kālā?
ʻO ka nānāʻana i kaʻikeʻana he lawelawe ia i loaʻa e like me keʻano inoa inoa inoa ma waena o kahi hui mālama pale.
Aiaʻekolu mau poʻomanaʻo nui e mālama nei i ka moʻokāki pūnaewele o kāu moʻolelo moʻolālā pilikino. ʻAʻole hiki i ka hapanui ke nānā i ko lākou hōʻai'ē a hiki i ka wā e pono ai lākou a laila ua huli lākou. Me ka nānāʻana i ka hōʻai'ē, ma ka liʻiliʻi hoʻokahi, a me ka manaʻolana o nāʻekolu, o kāu waihona kelepona kālā e nānāʻia no ka meaʻikeʻole aʻikeʻole paha. A laila e hoʻomaopopoʻiaʻoe e ka'alekana palekana / hilinaʻiʻike ināʻikeʻia ka hana.
He aha ka mea kānana Alert?
ʻO ka leka hoʻopunipuni ka lawelawe e hāʻawiʻia ana ma nāʻoihana bila. Hoʻopili hou ia kahi papa o ka palekana i kouʻike. Inā noiʻoe, a iʻole kekahi mea'ē aʻe no ka hōʻai'ē me ka hoʻohanaʻana i kou inoa, e hoʻolālāʻia ka mea hōʻai'ē a mea hāʻawi paha e hōʻoia i kouʻike ma mua o ka hāʻawiʻana iāʻoe i kahi launa.
ʻAʻole pōkole wale nō ka weheweheʻana, a make lākou ma hope o 90 mau lā. ʻOiai he mea maikaʻi kēia,ʻaʻole lōʻihi ka manawa e manaʻoʻia he kumukūʻai lōʻihi.
Ināʻoe he kanaka i hoʻokomo mua i ko lākou manaʻo, hiki iāʻoe ke hōʻano hou i kahi huakaʻi nui o Victim Alert. No ka hanaʻana i kēia, e hoʻouna i kope o ka hōʻike i ka'onahue i waihoʻia me ke kānāwai. E mālamaʻia kēiaʻike maka noʻehiku mau makahiki.
Eia hou, inā he lūlū koa ikaikaʻoe, hiki iāʻoe ke noi i kahi Aleka Aleka Hana Duty. E waiho kēia ma kāu pūnaewele no ka makahiki.