Pehea ka Credit Cureaus Exploit Borrowers Ma o ke alakaʻiʻana
Mai hoʻokuʻuʻia e kaʻikeʻole e lilo i alakaʻi. Ke hāʻaha nei nā mea a pau.
E'ōleloʻoe e kūʻai i kahi home a loaʻa kahi moraki . No laila, kāheaʻoe i kekahi mea hoʻolale moraki i hāʻawiʻia iāʻoe e kou Realtor , he lālā o kaʻohana, a he hoaaloha paha. Malia paha he mea lawe kālā loea kaulana kēia me ka mea āu i hana ai i ka wā ma mua. Hoʻopihaʻoe i kahi noi noi a loaʻa kahi leka o ka preapproval .
A laila, mai loko mai o ka'ōuli ulaula, ke noi aku nei kekahi mea hoʻoili'āina'ē aʻe iāʻoe.
Hiki i ka mea noi ke'ōlelo aku ua pili pū lākou me kahi keʻena hoʻolimalima kālā a hāʻawi paha i kekahi kumu kumu hae no ke kāheaʻana. Kuhiʻia kou mau manaʻo. Mahaloʻoe, pehea lā lākou iʻike ai e loaʻa ana iāʻoe he moraki a no ke aha lā lākou e kāhea aku ai iāʻoe?
Ke noiʻoe no ka hōʻai'ē, ua kāʻili aku kāu mea moemoeka i kope o kāu hōʻike kālā . He mea nīnau kēia. Ke huli nei kaʻene kelepona a kūʻai aku i kou inoa i kekahi mauʻoihana moraki'ē aʻe. ʻAʻole ia i kū'ē i ke kānāwai no nā kālepa hōʻai'ē e kūʻai i kāuʻike i nā mea kūʻai'ē aʻe. Kāheaʻia kēia i kahi alakaʻi makai.
Ke kāohi nei i nā alakaʻi
Makemakeʻoe e komo i kekahi o kaʻoihana nui loa o kou ola, aʻo ka mea hope loa āu e makemake ai he hōʻai'ē loan e kāhea iāʻoe a hāʻawi mai i nā kumukūʻai o ka phony. Hana me kahiʻoihana hilinaʻi,ʻaʻole kekahi mau telemarket. Mai kūʻai i kahi mea ma ke kelepona.
Eia nāʻaoʻaoʻekolu e ho'ōki ai i ka hopena i ke kumu hoʻopilikia:
- E kau i kou inoa a me kāu helu kelepona ma ka National Registry Call. Hiki iāʻoe ke hoʻopaʻa inoa i kāu helu kelepona. Hana i kēia ma kahi o hoʻokahi mahina ma mua o kou noiʻana no kahi hōʻai'ē no ka mea he 31 mau lā e lilo ai i mea maikaʻi. E hana i kahi leka no ke kākau houʻana i nā makahiki heʻelima no ka pauʻana o ke kauoha i ka pauʻana o nā makahikiʻelima.
- I mea e hōʻole ai i nā mea uku ukana mai ka hoʻounaʻana iāʻoe i ka leka uila, ponoʻoe e kākau inoa me ka Association Mail Mail. Ināʻoe e hoʻopaʻa inoa ma ka pūnaewele a iʻole ma ka leka uila, e liloʻoe i $ 1.00, hiki ke ukuʻia i kāu kāleka kāleka. E kākau inoa i ka hopena no ka mea ke hāʻawi nei ka DMA i kāna mau papa helu iʻehā kua'āina, i hiki ai iā ia ke lilo i kekahi manawa e lilo i mea maikaʻi. He maikaʻi kēia inoa inoa no nā makahikiʻelima.
- E hōʻoia no OptOutPrescreen. Mālama kēia i nā'eleʻaleʻaʻehā mai ka kūʻai aku i kou inoa ma keʻano he alakaʻi alakaʻi. ʻO lākou nei: Equifax, Experian, Innovis a me TransUnion. Hāʻawi ka Fair Credit Reporting Act i ke kūʻaiʻana i kou inoa, akā,ʻo ka pukaʻana i ka hopena e hoʻomaha i nā alakaʻi alakaʻi no nā makahikiʻelima.
Ua haʻi mai nā lenders iaʻu ma ka kohoʻana, hiki iāʻoe ke hoʻonui i 10 a 15 mau helu i kāu helu'ai'ē! No ka hoʻomalu mau loa, ponoʻoe e leka uila i kāu leka inoa, a i loaʻa ma ka pūnaewele OptOut.
Hiki iāʻoe ke hāʻawi aku i kāu mea pili i ka moraki i mea e hiki ai iāʻoe ke pale i kou inoa mai ka liloʻana i alakaʻi. Hiki iāʻoe ke hāʻawi iāʻoe i kahi palapala e hōʻole ai i ke kūʻaiʻana i kāuʻike pilikino, i hiki iāʻoe ke hōʻailona i ka manawa e loaʻa ai iāʻoe ka moraki. No ka mea, ke hoʻomauʻia ke kūʻai aku i kāuʻike pilikino i hope o ka hāʻawiʻiaʻana o ka moraki a paniʻia. ʻO wai ka meaʻike, hiki paha iāʻoe ke koho i ka moho no ka hoʻolimalimaʻana i ka moraki ?
ʻO kēia kekahi o nā kumu i loaʻa ai iaʻu kaʻu kāne a me aʻu ke kuleana ma ka hana i ko mākou home a me ka moraki i wahine a me kāne ma mua o ke kāne a me ka wahine. Ma waho aʻe o ka hōʻoiaʻiʻoʻana i nā kuʻuna a me ka hana iki i nā mea iʻoi aku ka paʻakikī i ka poʻe e holo nei i ke kūlana status quo, e hōʻoiaʻiʻo ana ua hoʻounaʻia mai nā meli a pau iaʻu.
A keʻike nei auʻaʻohe mea e hiki ai i kaʻu kāne e hoʻonāukiuki iā ia. ʻAʻohe mea makemake e lilo i alakaʻi a kūʻai aku i mea kūʻai, akā,ʻo ka nalu o ka wā e hiki mai ana. ʻO ka mea maikaʻi loa e hiki iā mākou ke hana,ʻo ia ke ho'āʻo e hoʻemi i nā hopena.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, CalBRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.