ʻOiai, uaʻikeʻoe i kahiʻaʻai'ai'ē āu i'ai'ē ai no ka mea ua kāhea aku lākou, hoʻouna i nā leka, a ua kākau paha i ka helu ma kāu hōʻike kālā. Eia nō naʻe, hiki ke loaʻa kahi hiʻohiʻona kahi eʻike aiʻoe he waihona kāu i loko o nā koina, akā,ʻaʻoleʻoe iʻike i keʻano o kaʻahahui. Eia nāʻaoʻaoʻehā e hiki ai iāʻoe keʻike i kahi o kaʻaila aiʻole nā keʻena e pono ana iāʻoe.
E noi i ka mea kūʻai mua
Ināʻikeʻoe i kāu'ai'ē i hoʻounaʻia i kahi hui pūnaewele, hiki iāʻoe keʻike i kahi o nā pūʻulu hoʻokele e uku aiʻoe ma ke kāheaʻana i ka mea hoʻopuka kumu mua -ʻo kaʻoihana i loaʻa iāʻoe i ka helu pū me.
E hiki iā ia ke haʻi iāʻoe i kahi o ka'ānena kālepa i hoʻonohonohoʻia a kūʻaiʻia paha.
Ma muli o ka hāʻawi 'ia a kūʻai' ia paha ka 'aie i kekahi luna' āpana a mea paha i kūʻai aku i ka mea nāna i hōʻai'ē, hikiʻole i ka mea nāna i uku ka uku e uku mai iāʻoe aiʻole e kūkākūkā pū meʻoe. Inā makemakeʻoe e mālama i ka moʻokāki, hiki iāʻoe ke hoʻokaʻaʻike i kaʻaila koho eʻike ai i kāu mea aie a me pehea e uku ai.
Eʻike i kāu hōʻike kālā
ʻO kahi alaʻelua eʻike ai i kahiʻupena kāleka āu e koi nei e nānā i kāu hōʻike kālā . ʻO ka hapa nui o nā hōʻai'ē pūnaewele hōʻiliʻili i nā bureaus credit , pēlāʻoe e loaʻa ai ka inoa a me ka helu kelepona o ka pūnaewele hōʻiliʻili ma kahi kope kope o ka hōʻike kālā. ʻAʻohe ala eʻike ai inā hōʻikeʻia kahi pūnaewele hōʻailona i kāu'ai'ē i hoʻokahi kelepona kālā aʻekolu paha, no laila, e nānāʻoe i kāu pūnaewele hōʻai'ē me kēlā me kēia o nā bureaus nui: Equifax, Experian, a me TransUnion.
Ke nānāʻoe i kāu hōʻike kālā, hiki iāʻoe keʻike i nā hōʻiliʻili kālā'ē aʻe āu iʻikeʻole ai. Hana i ka papa inoa o nā hōʻiliʻili a pau e hiki ai iāʻoe ke hoʻomaka e mālama iā lākou. Ināʻikeʻoe i nā hōʻiliʻili hōʻai'ē i kūponoʻole aiʻoleʻaʻoleʻoe, e hoʻopaʻa'ē iā lākou me nā bureaus hōʻai'ē e hoʻokuke iā lākou mai kāu hōʻike kālā.
E hoʻopaʻa i kāu mea kani a me ka helu kelepona
Ināʻoe e loaʻa ana i nā kelepona mai kahi kāpena'ai'ē, hiki iāʻoe keʻike i ka inoa o kaʻaila ohi. Hiki iāʻoe keʻimi i kahi hui pūnaewele a me ka helu kelepona wale nō mai kāu mea nīnau inoa a iʻole ka leka uila ma ka hanaʻana i ka helu i kahi pūnaewele huli. Hiki i nā hualoaʻa kiʻi ke loaʻa nāʻaoʻao mai 800notes.com aiʻole whocalled.us kahi i haʻi like ai nā kānaka'ē aʻe no ka mea i kāheaʻia mai kēlā helu a me keʻano o ka piila.
Ke mālama nei kekahi mauʻahahui hōʻiliʻili i kekahiʻano o ka hōʻai'ē, e like me ka hōʻai'ē lapaʻau a iʻole nā pālākiō pili pono i hala. Keʻimi nei i ka helu kelepona o ka 'oihana hoʻolālā e hiki iā ia ke kōkua iāʻoe e noʻonoʻo i kāu mea kālā a me ke kumu.
Hiki iāʻoe ke hoʻihoʻi mai i ka leka uila o ka hui kālepa, akā e noʻonoʻo e kāhea i nā kāpena hōʻai'ē me ka hoʻomākaukau muaʻole. E manaʻo e ho'āʻo ka mea hōʻai'ē e hōʻiliʻili i kāu uku mai ka wā e loaʻa iāʻoe ma ke kelepona.
E kali iā lākou e hea iāʻoe
Inā hikiʻole iāʻoe keʻike i kekahi mea mai ka mea i uku maoliʻia,ʻaʻole i heluʻia ka aie ma kāu hōʻike kālā, aʻaʻoleʻoe i loaʻa nā leka uila e pili ana i ka hōʻai'ē, hiki iāʻoe ke kali wale no ka mea hōʻai'ē e hoʻokaʻaʻike iāʻoe. Hiki i nā kuhi mua ke hoʻololi i nā lālāʻokoʻa'ē aʻe i loko o kekahi mau mahina, no laila, e neʻe aku ka'ai'ē i kahi hui ukali e hiki ke loaʻa ma kahi o nāʻano i hōʻikeʻia ma luna nei.