ʻO ka Fair Credit Reporting Act (FCRA) pono kaʻoihana e loaʻa kahi kumu kūpono e komo ai i kāu hōʻike kālā. ʻO nā kumu kūpono e like me:
- E hāʻawi i ka hōʻai'ē. Inā noiʻoe no kahi kāleka kāleka, hōʻai'ē, a iʻole i nā lawelawe i hoʻokumuʻia ma ka hōʻai'ē, uaʻaeʻia kaʻoihana e hōʻoia i kāu hōʻike pili kālā e hoʻoholo ai inā ponoʻoe.
- E hōʻiliʻili i kahi hōʻai'ē. Hiki i nā Debt collectors ke hoʻohana i kāu loiloi kālā no ka loaʻaʻana o kaʻike, e like me kāu wahi noho aiʻole wahi hana, e kōkua iā lākou e hōʻiliʻili i kahi'ai'ē.
- E hoʻopaʻa inoa hoʻokele. Ke hoʻohana nei kekahi mau 'inikua pili i kāu heluʻai'ai'ē no ka hoʻomaopopo i ka likelika e hāʻawi i kahi kuleana.
- Kahi hana. Hiki i nā lā a me nā poʻe hana hana ke nānā i kāu loiloi kālā ma mua o ka hoʻolimalimaʻana iāʻoe no kekahi mau kūlana, ma kahi o nāʻoihana kālā a me nāʻoihana kiʻekiʻe.
- Hiki i kekahi keʻena o ke aupuni ke nānā i kāu loiloi kālā ma mua o ka hāʻawiʻana i kekahi palapala laikini.
- ʻO nā hanaʻoihana kūpono.
ʻO nā hui i komo i kāu hōʻike kālā ma lalo o nā hana kuhihewa a iʻole nā mea hoʻohana i ke kānāwai me kaʻaeʻole, ua kū'ē i nā kānāwai Pekelala. Hiki iāʻoe ke hoʻopiʻi i kekahi hui e kū'ē i kāu mau kuleana.
ʻElua Kūmole o nāʻIkeʻIke
ʻAʻole kekahi o nā nīnau noiʻi no kāu hōʻike hōʻike kālā i hoʻokomoʻia i kāu helu'ai'ē. Nā nīnau i hanaʻia no ka noi āu i hana ai no ka hōʻai'ē,ʻo ia ka mea e pili ana i kāu helu.
ʻO kēia mau nīnau noiʻi , a "paʻakikī paha," nā nīnau noiʻi wale nō i heluʻia i kāu heluʻai uku.
Ke nānāʻoe i kāu loiloi kālā, hiki iāʻoe ke hoʻomaopopo he nui nā nīnau noiʻi mai nāʻoihana āu i noiʻole ai no ka hōʻai'ē. Hiki i nāʻoihana'ē aʻe ke nānā i kāu hōʻike kālā no ka mea makemake lākou e hāʻawi aku i nā waiwai a me nā lawelawe iāʻoe.
Eia kekahi laʻana,ʻo nā mea hōʻai'ē e hoʻounaʻana i nā hoʻolaha kāleka mua "i'āpono"ʻia, uaʻike pinepineʻia kāu hōʻike kālā eʻike inā hālāwaiʻoe i nā kumu papa no ka kāleka kāleka.
Hoʻomaopopo pūʻia nā noiʻike kālā e nā poʻe hana pono, nāʻoihana i loaʻa iāʻoe i kēia manawa, a meʻoe iho. ʻAʻole kekahi o kēia mau nīnauʻoluʻolu i helu i kāu helu'ai'ē.
ʻO ka hōʻike o kāu hōʻike hōʻai'ē eʻikeʻoe i nā nīnau i hanaʻia i loko o kāu hōʻike kālā i loko o nā mahina he 24 i hala iho nei. (Kūleʻale kaʻelemakule maʻamau ma hope o nā mahina he 24). Ināʻike nā mea hōʻai'ē a me nā mea'ai'ē i kāu hōʻike kālā,ʻike waleʻia nā nīnau koʻikoʻi.
Pehea e nīnau ai nā nīnau i kāu helu
ʻO nā nīnau i kāu hōʻike hōʻai'ēʻo ia kekahi o nāʻano o ka hōʻai'ēʻana i nā hui kālā hōʻai'ē i ka hopena e hikiʻole iāʻoe ke paʻamau i nā kuleana hōʻai'ē hou. ʻO ka nui o nā nīnau e pili ana i ka nui o kāu aie a iʻoleʻoe i kekahiʻano pilikia kālā a keʻimi neiʻoe i ka hōʻai'ē e kōkua iāʻoe ma waho. Hiki i nā nīnau he hiki ke hoʻoemi i kāu helu'ai'ē.
Ma muli o ka nui o nāʻike i loaʻa iāʻoe ma kāu hōʻike hōʻike kālā, hikiʻole i kekahi hulina hou ke hoʻololi i kāu heluʻai uku ma nā mea a pau. I kekahiʻaoʻao'ē aʻe, inā he moʻolelo loiloi pokole wale nōʻoe me nā helu helu wale nō, hiki i kahi nīnau hou ke hoʻonui i kāu helu i kekahi mau kumu.
E hoʻomauʻia nā nīnau noiʻi i kāu hōʻike no nā makahikiʻelua, akāʻo nā mea wale nō i hanaʻia i loko o ka makahiki i hala iho nei ua hoʻokomoʻia i kāu helu helu heluʻai. ʻO nā nīnau noi loa i loaʻa ka hopena maikaʻi loa i kāu helu.
Nā nīnau a me nā kūʻai kūʻai
Ke holoʻoe a puni no ka moraki a me ka hōʻai'ē pūnaewele, makemakeʻoe e loaʻa ka hopena maikaʻi loa - aʻoʻoe. Hiki paha iāʻoe ke hopohopo no ka loaʻaʻana o kāu hōʻai'ē e kekahi mau mea'ai'ē hiki ke hōʻeha i kāu heluʻai.
ʻO kaʻeuanelio,ʻo ka heluʻana o nā helu helu hōʻailona mālama i nā moraki a me nā noiʻi pūnaewele he nīnau hoʻokahi,ʻoiai ka lōʻihi o nā nīnau i loko o kekahi manawa. No ka'ōnaehana hou o ka FICO , he 45 mau lā.