Ua lilo ka moʻokāki i ka mea kahiko e hōʻikeʻia
ʻO ka pūnaeke āu e huli nei, ua emi paha mai kāu hōʻike kālā hōʻoia no ka halaʻana paha o ka palena manawa hōʻike hōʻai'ē aiʻole ka pauʻana o ka palena manawa hōʻike pūnaewele i kēlā me kēia pūʻulu.
Ua paʻa nā hōʻai'ē ma kahi kūponoʻole,ʻoiai ua hewaʻoe i ka pauʻana o ka helu, e hāʻule ana i kāu hōʻike kālā ma hope o nā makahikiʻehiku. ʻO ia ke kumu o ka palena manawa hōʻike hōʻai'ē e hōʻikeʻia e ka Fair Report Reporting Act.
E hāʻule ana nāʻike kālā'ē aʻe ma kāu hōʻike kālā ma hope o 10 mau makahiki a pēlā paha, e pili ana i ka lōʻihi o ka manaʻo o kaʻaha kālā e hōʻike i kēia mau pūʻulu. Aia kekahi kānāwai e kuhikuhi nei i ka nui o nā hōʻai'ē i paniʻia me ke kūlana maikaʻi e hāʻule i kāu hōʻike kālā.
ʻAʻole i hōʻike ka Pāʻoihana i kēlāʻIke Credit
Ma ka hōʻike hōʻike manaʻo hōʻai'ē, e koho nā pāʻoihana (ināʻaʻoleʻo nā meaʻelua) o nāʻoihana hoʻokele ukuʻekolu e kākauʻia ana e lākou.
ʻAʻole kāu hōʻike i kāu hōʻike ma kāu hōʻike kālā ināʻaʻole e hoʻokahua kaʻoihana i kekahi keʻena hana kālā. ʻO kēia ke kumu eʻike aiʻoe i kahi pūnaewele ma kahi wale nō o kāu pūnaeke hoʻoili kālā akāʻaʻole nā mea'ē aʻe.
ʻAʻole i hōʻike ka Pāʻoihana i kekahi KeʻenaʻIkepili
ʻAʻole paha he kālā moʻokāki ka moʻomeheu.
ʻIkeʻia e like me nā ponohana, nā lawelawe kelepona, kelepona, wai, a pēlā aku. Ma muli o ka hui a me ka moku'āina, hiki i kekahi mau pono ke hōʻike i nā bureaus hōʻai'ē, akāʻaʻole pono lākou e hana pēlā. ʻO ka mea pōʻino, hōʻikeʻia nā moʻolelo kuʻuna i ka wāʻaʻole e ukuʻia nā uku manawa kūpono. No laila, he mea nui e uku i ka manawa keʻoleʻoe eʻike i kaʻike i kāu hōʻike kālā.
ʻAʻoleʻike nui nā uku hoʻolimalima ma nā hōʻike hōʻike kālā,ʻoiai inā e hoʻolimalimaʻoe mai kahi konohiki liʻiliʻi. ʻO nā pūʻulu me nāʻoihanaʻoihana waiwai nui eʻike i nā hōʻike ma ka hōʻike hōʻike hoʻokele a Experian a TransUnion paha. ʻO ka mōʻaukala,ʻaʻole i hōʻikeʻia nā uku hoʻolimalima ma nā pūnaeke hōʻai'ē - koe wale nō ma nā hihia o ka hihia kūponoʻole - no laila, mai kāhāhāʻoe ināʻaʻole kāu loiloi hoʻoili ma kāu hōʻike kālā.
Pehea ka hoʻopukaʻiaʻana o ka hōʻailona hōʻai'ē i kāuʻikeʻike
ʻO ka helu heluʻai i hoʻonohonohoʻia wale nō ma kaʻike wale nō i kāu hōʻike kālā i ka manawa i hanaʻia ai ka helu'ai'ē. ʻAʻole ia e noʻonoʻo i nā mea i hoʻohanaʻia ma kāu hōʻike kālā i ka makahiki i hala a hala i ka pule hope loa. Ināʻaʻole i hōʻikeʻia kahi pūnaewele i kāu hōʻike kālā,ʻaʻole pono e hoʻololi i kāu heluʻai'ai'ē e pili ana i kāuʻano uku hoʻolālā me ia pūka'ī.
Eia naʻe, e nele ana pahaʻoe i ka hoʻokomoʻana i ka hoʻokūkū i nā helu kūpono mai ka uku manawa i ka helu.
Ma kekahiʻaoʻao, hiki i kāu heluʻai'ai'ē ke ala a hāʻule paha (pili i ka manawa hope loa āu i helu ai i kāu helu) inā pau ka helu i kāu hōʻike hōʻai'ē, no ka mea ua hala ka palena manawa hōʻike hōʻai'ē. He paʻakikī ke wānana i keʻano e hele ai kāu helu'ai'ē no ka mea ma muli o kaʻike i hāʻule a me nāʻike'ē aʻe a pau i kāu hōʻike kālā.
ʻAʻole pono nā pāʻoihana e hōʻike i nā bureaus credit; uaʻoluʻolu loa ia. Ināʻaʻole hōʻike kahi pūnaewele ma kāu hōʻike kālā a manaʻoʻoe he pono ia, e hoʻokaʻaʻike i kaʻoihana eʻike i nā kulekele hōʻuluʻulu manaʻo hōʻai'ē. Loaʻa i kahi kuhihewa i kāu moʻokāki a hiki i kaʻoihana ke hoʻololi i nā bureaus hōʻai'ē me kaʻike pololei.