Riaan 
Igama elithi credit bureau lenza abathengi abaningi bazizwe bengakhululekile, ikakhulukazi ngoba abazi ngempela ukuthi ama-credit bureaus asebenza kanjani. Banovalo futhi ngokugcina besohlwini olunegama elibi oluzobavimbela ekutholeni izikweletu futhi kwezinye izimo, ngisho nemisebenzi noma ukufinyelela esikoleni esizimele sezingane zabo.
Ngokuvamile uthola kuphela ukuthi uvinjelwe lapho ufaka isicelo sesikweletu futhi isicelo sakho senqatshwa. Yize imboni ixwaya igama elithi “blacklist”, ukusho leli gama kungase kuholele ekutheni abathengi baqhume umjuluko obandayo.
Uhlu oluvinjelwe
Uhlu oluvinjelwe alukho ngempela. Leli gama lalisetshenziswa ngaphambilini lapho ama-credit bureaus egcina ulwazi olungeluhle ngabathengi, kodwa lokhu akusenjalo. Ama-credit bureaus manje nawo agcina yonke imininingwane yakho yezikweletu ekhombisa ukuthi uyakwazi ukukhokha izikweletu zakho.
FUNDA FUTHI: Isikweletu nomthetho: Nawa amalungelo okufanele wazi ngawo
Umthetho Wezikweletu Kazwelonke
Isigaba sama-43 soMthetho Kazwelonke Wezikweletu sibeka ukuthi ama-credit bureau angaqoqa futhi agcine ulwazi mayelana nawe:
- Izicelo zekhredithi
- Izivumelwano zezikweletu
- Umlando wokukhokha noma amaphethini okukhokha
- Ulwazi lwekhredithi.
Abahlinzeki bezikweletu basebenzisa imininingwane yakho yezikweletu ukuze bahlole umlando wakho wokukhokha futhi babone ukuthi usibuyisele kanjani futhi wasiphatha kanjani isikweletu sangaphambilini ukuze babone ukuthi buyoba bukhulu kangakanani ubungozi bokukuboleka imali nokuthi uzokwazi yini ukusikhokha. Kubalulekile ukukhumbula ukuthi umnikezi wesikweletu nguyena onqumayo ukuthi uthola yini izikweletu hhayi i-credit bureau.
Ulwazi lwakho lwekhredithi
Isigaba sama-70 soMthetho sichaza ulwazi lwezikweletu zomthengi njengomlando wakho wesikweletu, ohlanganisa izicelo zekhredithi, izivumelwano zezikweletu oziphothule, indlela yakho yokukhokha, ukuhlelwa kabusha kwezikweletu, izinyathelo zokuphoqelela ukukhokha kanye nezimo lapho kuphothulwa khona izivumelwano zezikweletu.
Umlando wakho wezezimali nawo uyingxenye yolwazi lwakho lwekhredithi futhi uhlanganisa:
- iholo lakho lakudala nelamanje,
- izimpahla nezikweletu,
- nolunye ulwazi mayelana namakhono akho ezezimali, amathuba kanye nezibopho,
- ukuqeqeshwa, ukuqashwa, umsebenzi kanye nomlando womsebenzi noma webhizinisi,
- umazisi wakho, igama, usuku lokuzalwa, inombolo kamazisi, isimo somshado kanye nobudlelwano bomndeni,
- ikheli langaphambili nelamanje, kanye
- eminye imininingwane yokuxhumana.
FUNDA FUTHI: Ungaqala kanjani ukwakha umlando wezikweletu onempilo
Abahlinzeki bezikweletu kanye nama-credit bureaus
Abanikezeli bezikweletu bayakhokha ukuze balethe ulwazi lwezikweletu nokusebenzisa ulwazi lwezikweletu zabathengi oluphuma kuma-credit bureaus.
NgokoMthetho, ama-credit bureaus kufanele athathe izinyathelo ezifanele zokuqinisekisa ukuthi ulwazi lwezikweletu lwabathengi abalutholayo lulungile, ukuthi baphethe ulwazi isikhathi esinqunyiwe futhi basuse ngokushesha imininingwane enqunyiwe yezikweletu zomthengi kumarekhodi abo, angeke aqoshwe ngokuhambisana nemithethonqubo. .
Kufanele futhi banikeze ulwazi kubanikezeli bezikweletu lapho ufaka isicelo sesikweletu noma ucela irekhodi lakho lesikweletu futhi unganikezi ulwazi olungalungile. Ama-credit bureaus nawo awavunyelwe ukwenza isiphetho esibi mayelana nokufaneleka kwakho isikweleti uma ingenalo ulwazi ngawe.
Amalungelo akho mayelana nolwazi lwakho lwekhredithi
Isigaba 72 soMthetho Wezikweletu sibeka ukuthi unelungelo lokwaziswa umnikezi wesikweletu (wemali-mboleko) zingakapheli izinsuku ezingama-28 ngaphambi kokuthi ubike ku-credit bureau nganoma yiluphi ulwazi olubi olubekiwe ngawe. Unelungelo futhi lokucela ikhophi futhi uthole ikhophi yamahhala yerekhodi lakho lesikweletu kanye ngonyaka ukuze uhlole ukuthi yonke imininingwane ilungile yini.
Ungaphinda uphikise ukunemba kwanoma yiluphi ulwazi oluqukethwe embikweni wakho wezikweletu, ulindele ukuthi i-credit bureau kanye nabahlinzeki bezikweletu baphenye futhi balungise noma yimaphi amaphutha futhi ulindele abahlinzeki bezikweletu abanikeza ulwazi olungalungile kuma-credit bureaus ukuthi bakubuyiselele izindleko zokulungisa ulwazi.
Unelungelo futhi lokulindela ukuthi i-credit bureau ingasebenzisi imininingwane ephikiswayo njengengxenye yolwazi olunikezile, iphikise imininingwane ngokugcwalisa kanye nokudlulisela amafomu anqunyiwe e-credit bureau bese ukhononda ku-Credit Ombud uma ungayitholi impendulo kungakapheli iminyaka engama-20. izinsuku.
Abahlinzeki bezikweletu nabo ngeke balindele ukuthi uthole umbiko kwabe-credit bureau lapho ufaka isicelo sesikweletu. Umnikezi wesikweletu kufanele azenzele yena.
FUNDA FUTHI: Ungaqala kanjani ukuqeda isikweletu sakho
Ulwazi lwakho
Izinhlobo ezimbalwa zolwazi olubi zihlala kurekhodi lakho lesikweletu izikhathi ezahlukene. Ulwazi mayelana nezikweletu ongazikhokhi, ukukhokha sekwephuzile, onyamalale ngaphandle kokukhokha, ukhokha kancane noma ongeke uthintwe, kuhlala kurekhodi lakho lesikweletu unyaka wonke, kuyilapho ulwazi mayelana nokuqoqwa kwezikweletu ngabanikezeli bezikweletu, njengokuthatha izinyathelo zomthetho noma ukubhala. isikweletu sakho, sihlala iminyaka emibili.
Uma usukhokhe i-akhawunti oyedlulelwe yisikhathi ngokugcwele, isikweletu asisuswa ngokushesha ohlwini, kodwa kuboniswa ukuthi ukhokhile.
Izikhungo zezikweletu azinalo ulwazi mayelana nohlanga lwakho, ubuzwe bakho, imibono yezombusazwe, izinkolelo, ubulungu ezinyunyaneni zabasebenzi, impilo yakho, okuthandwa nguwe, noma amacala obugebengu.
‘Ulihlanza’ kanjani irekhodi lakho
Ngokwesigaba 71 soMthetho, uma usihlele kabusha isikweletu sakho futhi wasikhokha, ungafaka isicelo kumeluleki wezikweletu ukuze uthole isitifiketi sokugunyazwa, osithumele kwabe-credit bureau. I-credit bureau kufanele-ke iyisuse kumarekhodi ayo.
