Nhoroondo yako yekwereti inhoroondo yekubata kwako nevakweretesi. Zvikwereti zvekubhadhara chikwereti zvichengetedza ruzivo rwakadai sekukweretesa kwakawanda kupi, iwe uri pedyo sei nekuwedzera chikwereti chako chekwereti, kana iwe kana iwe usina nhoroondo yekushaiwa mari, kana iwe une ruzivo kubhadhara marudzi akasiyana-siyana emitengo , uye kwenguva yakareba sei wakabudirira (kana kuti haabudiriri) kusangana nemitemo yako yezvemari kuvakweretesi.
Mabhangi kana mamwe masangano evatengi ari kukufungai nezvechikwereti kana zvimwe zvinhu zvemari achaongorora chikwereti chenhoroondo yako kuti uvabatsire kuziva kuti ingozi yakawanda sei ndeyokuti iwe haugone kuripa zvakare nenguva.
Chikonzero Nei Unofanira Kuongorora Zvaunenge Uchida Kubhadhara
Taura zviri nyore, iwe unofanira kunge uchitarisa iwe pachako zvikwereti zvemari nokuda kwezviratidzo zvekutambudzika. Neine ruzivo rwakanyanya pamusoro pevaKanadia vakawanda vanoenda mberi nekunze pakati pebazi rekubika chikwereti nevakweretesi, zvikanganiso dzimwe nguva zvinogadzirwa. Iwe unofanirwa kuongorora iwe pachako zvikwereti zvekwereti kamwechete pagore kuti uone kuti vanonyatsoratidza ruzivo rwenyu pachavo uye nhoroondo yako yechikwereti. Chimwe chinhu chaunofanirwa kutsvaga chiratidzo chekudzivirira. Kana pane nhoroondo dzakazara dzokuti iwe hausi wezvakanyorwa pane imwe mushumo kana kana pane rekodhi yemibvunzo yakagadzirwa pamusoro pekwereti yako yekwereti inobva kumakambani asina kuita chero bhizinesi, iwo angave akanganisa kana angave chinoratidza kuti mumwe munhu ari kuita zvekutengesa mari pasi pezita rako.
Kuwana Zvinyorwa Zvako Zvokuda Kubhadhara
Kune mahofisi maviri makuru ekubhadhara chikwereti muCanada - TransUnion neEquifax - uye iwe unofanira kunge uchitarisa mitsara yako kubva kuna vose (Experian akashandisa kupa zvikwereti zvekwereti zvakare, asi kubvira ipapo akapedza basa iroro). Maviri emakambani aya anopa kubhadhara kuwanika kwemashoko ako (zvakanyatsoratidzwa pane mawebsite), nemasangano anobva pane imwe nguva-pfupi achitarisa yako ikozvino chikwereti chikamu kune huri kuramba huri huzivi hwekuvhara mari yechikwereti.
Asi nemutemo, iwe unobvumirwawo kugamuchira kopi yako purogiramu yako yechikwereti nemeyili yekusununguka. Kuti iwe unosarudza here kana kuti usasarudza kubhadhara zvimwe zvehutano zvinoenderana nemamiriro ako ezvinhu, asi kunze kwekuti iwe uchinzwa kudiwa kwekuona iwe ruzivo rwako pakarepo funga kutanga nekusununguka kutarisa mharidzo yako yezvino uye enda kubva ikoko.
Pasi pane nzira dzinowanikwa mumasangano maviri makuru. Kune zvikumbiro zvose zvekwereti chekwereti, iwe uchada kupa zvikamu zviviri zvekutsanangurwa (photocopied mberi uye kumashure kwekukumbira ma-mail).
TransUnion Canada
- Mushumo wekusununguka unogona kukumbirwa nepositi kana uri munhu (ofisi yeOntario iri muHamilton).
- Bhinda fomu kubva pawebsite (famba pasi uye chengeta "Ungakwanisa sei kubhadhara mari yechikwereti chepachena" pasi peCredit Reporting Options).
Equifax Canada
- Mharidzo yekusununguka inogona kukumbirwa ne-mail, fax kana foni 1-800-465-7166.
- Nekutumira / faxed inokumbira kubudisa fomu kubva pawebsite (Click "Taura nesu" pedyo nepamusoro peji).
Kugadzirisa Zvikanganiso Mukutora Musoro Wako
Paunogamuchira mharidzo yako neyokutumira iwe uchawana fomu yave yakabatanidzwa iwe kuti ushandise kugadzirisa chero zvikanganiso zvaunowana. Kana mashoko asina kukodzera achiita seanoratidza kuti iwe wakamborwa nehupombwe, zvisinei, haungatariri kumirira iwe apo pepa iri kuita nzira yayo kuburikidza nemakadhi.
Taura nehurumende iyo mharidzo yawawana nayo ruzivo munguva pfupi kana iwe uchifungidzira kubata. Dana TransUnion Canada pa 1-800-663-9980 uye Equifax Canada pa 1-800-465-7166.
Mashoko Akarurama Haagoni kubudiswa
Cherechedza kuti kunyange zvikwata zvekupa zvikwereti zvichange zvichigadzirisa kana kubvisa izvo zvinoratidzika kuva mhosho, haugoni kuwana ruzivo rwakarurama rwunobviswa nekuda kwekuti iwe hauna kufara nazvo - uye hakuna mumwe munhu anogona. Kune dzimwe makambani anopa "kugadzirisa" chikwata chako chekwereti nemari, asi haagoni kuita zvimwezve kuchinja kune yakaipa-asi-yakarurama chikwereti chinyorwa kupfuura iwe unogona.
Your Credit Report Vs. Your Credit Score
Chikwereti chenhamba yako nhamba imwe chete iyo inokurumidza kuratidza hutano huripo hwekodzero yekwereti iri muhupoti yako yechikwereti - yakakwirira nhamba iri nani.
TransUnion uye Equifax vanoshandisa chiyero pakati pe300 ne900, asi vanogona kupa chikwereti nemamwe masangano vanogona kushandisa purogiramu yavo yehurongwa. Mari yako yechikwereti inogona kushandiswa kwete chete kana mumwe munhu ari kusarudza kana kuti kwete kukubvumira iwe chikwereti kana kadhi kadhi rechikwereti, iro rinogonawo kuva chikonzero pakugadzirisa chikwereti chaunotora iwe chaucharipa. Chikwereti chako chikoro icho chave chakaverengwa nenhengo dzekubika zvikwereti zvinowanikwa kwauri asi chete pamutengo. Unogona kunge uchifarira kudzidza chikwereti chako kana iwe uchifungidzira kuti inoda kuvandudzwa kana iwe uri kuronga kutsvaka chikwereti kana chimwe chikwereti chitsva mumakore mashomanana anotevera.