E loaʻa i kahi hōʻike hōʻike kīpī i kēlā Me kēia Makahiki
ʻO kāu hōʻike kālā kālā kekahi o nā mea nui loa o kāu ola kālā. Aia i loko o ia moʻolelo ka moʻolelo kūikawā o kāu mau hōkei kālā me ka lā i wehe aiʻoe i ka moʻokāki, ka palekana o kēia manawa, a me ka moʻolelo hoʻomanaʻo no kaʻike.
Ma muli o ka nui o nāʻoihana e hoʻohana ana i kāu loiloi kālā no ka hoʻoholoʻana e pili ana iāʻoe, he mea nuiʻoe e nānā i kāu loiloi kālā ma lalo o hoʻokahi manawa i ka makahiki e maopopo ai ka pololei o kaʻike i loko o kāu hōʻike kālā.
ʻO kēlā me kēia o nā bureaus nui aie (nā hui nāna e hōʻuluʻulu i kāu hōʻike kālā) hāʻawi i kāu hōʻike hōʻai'ē no ke kūʻai, akā, aia kekahi mau hana e hiki iāʻoe ke loaʻa i kahi hōʻike kālā kīnāʻole mai kēlā me kēia o nā burea.
Hoʻokahi Makahiki ma o ka AnnualCreditReport.com
ʻO ka Act Fair Actual Transactions Act 2003 (FACTA) ua hiki iāʻoe ke loaʻa i kahi hōʻike hoʻolālā piliʻole. Ma o FACTA hiki iāʻoe ke loaʻa i kahi kope kope o kāu hōʻike hōʻike kālā mai kēlā me kēia o nā uku nui bureaus-Equifax, Experian, a me TransUnion-i kēlā me kēia makahiki. Ponoʻoe e hoʻohana i kēia pono ma o ka hoʻonohonohoʻana i kāu hōʻike loiloi a hoʻohanaʻia me ia e nānā i kāu mōʻaukala hoʻokele .
Aia kekahi mauʻano maʻamau e loaʻa ai kahi hōʻike loiloi makahikiʻole e hāʻawiʻia ma lalo o ka FACTA.
- Online, ma ke kipa 'ana i www.annualcreditreport.com.
- Ma ke kelepona, ma ke kāheaʻana i 877-322-8228.
- Ma o ka leka uila, ma ka paipalaʻana i kahi palapala noi (e nānā i kaʻike Adobe) a me ka lekaʻana i ka helu i heluʻia ma keʻano.
Mai hoʻokaʻaʻike aku i nā bureaus hōʻai'ē no kāu hōʻike hōʻike kālā makahikiʻole.
Ke kauoha nei i kāu hōʻike FC Report FCRA
Hāʻawi ka Fair Credit Reporting Act iāʻoe i ke kuleana e hōʻike i ka loiloi kālāʻole ma kekahi mauʻano. ʻO kēia me ka hoʻohuiʻana i kāu hōʻike hōʻike kālā makahikiʻole. ʻO kēia mauʻano:
- Ua hōʻoleʻia kāu noi no kaʻike e pili ana i kāu hōʻike kālā. Loaʻa kēia i ka hōʻai'ē, hoʻokele, a me nā noi hana. Loaʻa iāʻoe he 60 mau lā mai ka lā āu i aʻo ai no ka hōʻoleʻana e noi aku i kope kope o kāu hōʻike hōʻai'ē. Na ka hui e hoʻouna aku iāʻoe i kahi leka hoʻomaopopo e komo pū ana me kaʻike hulina no kaʻaha hana kālā nāna i hoʻolako i ka hōʻike i hoʻohanaʻia i ka hoʻoholoʻana.
- Loaʻaʻoleʻoe i ka hana a hoʻolālā e hoʻomaka i kahi hana i loko o 60 mau lā.
- Aiaʻoe ma ka pono.
- Loaʻaʻoe i kaʻaihue a me kaʻike pololeiʻole i kāuʻikepili i kāu hōʻike pili kālā.
Hōʻike Pūnaewele Pūnaewele Moku'āina
Aia kekahi mau kānāwai i kaʻaeʻana e loaʻa iāʻoe kahi hōʻike loiloiʻole me ka pūnaewele hōʻike makahikiʻole āu i kuleana ai e ke kānāwai Pekelala.
| Moku'āina | Ka uku | ʻO ka pinepine |
|---|---|---|
| ʻO Colorado | E uku, a $ 8 | Hoʻokahi no ka makahiki |
| Keokia | Free, a $ 11.50 | Elua mau makahiki no ka makahiki |
| Maine | E uku, a $ 5 | Hoʻokahi no ka 12 mau mahina |
| ʻo Maryland | E uku, a $ 5 | Hoʻokahi no ka 12 mau mahina |
| Massachusetts | E uku, a $ 8 | Hoʻokahi no ka makahiki |
| ʻO New Jersey | E uku, a $ 8 | Hoʻokahi no ka 12 mau mahina |
| Pokoliko | Free, a $ 11.50 | Hoʻokahi no ka 12 mau mahina |
| ʻO Vermont | Free, a $ 7.50 | Hoʻokahi no ka 12 mau mahina |
Ua ho'ēmi nā states i lalo i nā kumukūʻai no nā pūʻulu pili kālā.
- Kaleponi - $ 8
- Connecticut - $ 5 no ka hōʻike hōʻike kālā mua i kēlā me kēia makahiki, a laila, $ 7.50.
- Minnesota - $ 3 no ka hōʻike hōʻike kālā mua i kēlā me kēia makahiki, a laila, $ 11.50;
- Montana - $ 8.50
- Mokupuni Virgin - $ 1
Ponoʻoe e hoʻonohonoho i kāu hōʻike hōʻike kālā FCRA kūikawā a iʻole kāu hōʻike loiloi kūikawā kūpono ma o nā bureaus credit:
- Equifax
- Experian a hea aku paha i ka helu 1-866-200-6020
- ʻO TransUnion
E loaʻa i kahi hōʻike pūnaewele hōʻoia me kaʻole inoa inoa a iʻole ka hōʻai'ē kālā
Ke hāʻawi nei kekahi mau pūnaewele i hoʻokahi pūnaewele hōʻailona piliʻole.
Hoʻokomo kēia mau pūnaewele i ke kālā ma o ka hoʻolahaʻana i mea hiki iā lākou ke hāʻawi iāʻoe i ka hōʻike hoʻolālā no ka nele. E kākau inoa me kēia mau pūnaewele no ka loaʻaʻana o kahi kope o kāu hōʻike hoʻoili halaʻole:
- CreditKarma.com
- ʻO CreditSesame.com
- Quizzle.com
- WalletHub.com
ʻAʻole e makemake ana kēia mau pūnaewele iāʻoe e komo i kahi helu kāleka kāleka aiʻole e kākau inoa i loko o ka palapala hoʻonāʻana e loaʻa ai kāu hōʻike loiloiʻole.
Ka Hoʻonaʻauao Loa Loa
Hoʻomaopopo i ka manawa e maopopo ai i keʻano o ka hōʻai'ē a me ka hopena o kāu mau helu hōʻai'ē ma kāu mau hana i hanaʻia ma mua, e wehe ana i kahi laina hou.
ʻO Fair Isaac Tools-nā mea hoʻokumu o ka FICO ka helu'ai'ē -have i nā mea hana likeʻole e hiki ke kōkua iāʻoe e hoʻomaopopo i nā helu'ai'ē, e like me ka mea koho kuhiʻaiʻole a me ka helu moʻomanaʻo kālā.
Loaʻa ke nānāʻana i ka nānāʻana
Nui aku nā hui-CreditKarma, CreditSame-nāna lākou e hāʻawi aku i ka nānāʻana i ka leʻaleʻaʻole.
Mālama pono ke nānā aku i kāu heluʻai uku hiki ke kōkua ināʻoe e hana ikaika e hoʻonui i kāu heluʻai'ai'ē aiʻole e hopohopo e pili ana i ka'ikehue .
I kekahi manawa e hāʻawi aku nā kamaliʻi iāʻoe i hoʻokahi makahiki a iʻole mau makahiki o ka nānāʻana i ka hoʻoiliʻoleʻana i ka wā i hoʻololiʻia kāuʻike kālā no ka wāwahiʻana i kā lākou pūnaewele hūnā.
E hopohopo no kekahi mau haʻawina kālā hōʻai'ē
E makaʻala i nā pūnaewele e hāʻawi nei i kahi hōʻike hōʻai'ēʻole aiʻoleʻole i hōʻoleʻia, akā noiʻoe e komo i kāu helu kāleka kāleka e kākau inoa no ka hoʻokolohuaʻana. ʻO kēia mau pūnaewele ke kākau inoa nei iāʻoe i loko o ka hoʻopiʻi ho'āʻoʻana i kahi lawelawe hoʻomanaʻo hōʻai'ē a hoʻomakaʻoe e koi iāʻoe i kēlā me kēia mahina ināʻaʻoleʻoe e hōʻole i ke kau inoa ma mua o ka pauʻana o ka hoʻokolokolo.