IKhowudi yokuZiphatha yeCBA yabasebenzisi beDatha yeTyala | Isikhokelo soMzantsi Afrika
Qonda iCredit Bereau Association Code of Conduct kunye nokuba ithetha ukuthini kwabo basebenza ngetyala abafikelela kwaye basebenzise iinkcukacha zamaziko eMzantsi Afrika.
Wonke umntu osebenza ngetyala eMzantsi Afrika ofikelela kwidatha ye-bureau - nokuba kunge-Experian, TransUnion, Datanamix, XDS, okanye iCompuscan - ixhomekeke kwimithetho emalunga nendlela loo datha ingasetyenziswa, igcinwe, kwaye kwabelwane ngayo. I-Credit Bureau Association (CBA) imisela iNdlela yokuziPhatha elawula ukuziphatha kwawo omabini amaziko kunye nababhalisi bawo. Ukuqonda le migaqo kubalulekile kuyo nayiphi na ifemu etsala iingxelo zetyala njengenxalenye yemisebenzi yayo.
Umgaqo wokuziPhatha yinkqubo-sikhokelo yokuzilawula eyongeza uMthetho weNtengo weSizwe kunye nePOPIA, ukuseka imigangatho engqamene neshishini lomgangatho wedatha, ulawulo lokufikelela, kunye nokusetyenziswa ngenkathalo kolwazi lwetyala. Ngelixa i-NCA ibonelela ngesiseko esisemthethweni solawulo lwetyala kwaye iPOPIA ilawula ukhuseleko lwedatha, iKhowudi ye-CBA yongeza iimfuno ezineenkcukacha malunga nendlela i-bureau data ekufuneka iphathwe ngayo. Kubaniki-nkonzo yeentengo zemboleko, abacebisi ngamatyala, kunye nabathengi bamatyala, ukuthotyelwa kweKhowudi ye-CBA akunyanzelekanga - ukunyhashwa kwemithetho kunokukhokelela ekuphulukaneni ne-bureau, nto leyo ethintela ngokusebenzayo ukuba iifemu zisebenze kushishino lwamatyala.
Eli nqaku licacisa ukuba yintoni i-Credit Bereau Association, yintoni efunwa yiNdlela yokuziPhatha, kwaye idibana njani nezinye izibophelelo zakho zolawulo. Okubaluleke ngakumbi, ibonisa indlela ezi mfuno ziguqulela ngayo kwimigangatho yokusebenza esebenzayo ekufuneka ifem yakho ihlangabezane nayo yonke imihla. Xa utsalo ngalunye lweziko kufuneka luthethelelwe, lonke ufikelelo lwedatha kufuneka lufakwe, kwaye yonke imilinganiselo yokhuseleko kufuneka ibonakaliswe, iinkqubo ezicwangcisiweyo ezakha ukuthotyelwa kokuhamba komsebenzi zibaluleke kakhulu kunokuba zikhethe.
Yintoni uMbutho weKhredithi-mali
I-Credit Bereau Association of South Africa liqumrhu leshishini elimele awona maziko amatyala aphambili asebenza kweli lizwe: Experian, TransUnion, Datanamix, XDS, and Compuscan (Consumer Profile Bureau). I-CBA yamiselwa ukukhuthaza ukusetyenziswa ngokufanelekileyo kolwazi lwetyala, ukugcina imigangatho yomgangatho wedatha, kunye nokuqinisekisa ukuba idatha ye-bureau ifezekisa iinjongo ezisemthethweni ngelixa ikhusela amalungelo abathengi.
Indima yoMbutho inabela ngaphaya komelo olulula. Ibeka imigangatho yoshishino yomgangatho wedatha, ukuchaneka, kunye nokuphelela. Iseka izikhokelo zendlela amaziko afanele ukusingatha iingxabano zabathengi, agcine iirekhodi, kwaye abonelele ngokufikelela kulwazi lwekhredithi. Ikwabeka imigangatho kubabhalisi - iifemu ezifikelela kwidatha ye-bureau - malunga neenjongo ezivumelekileyo, ukhuseleko lwedatha, kunye nokusetyenziswa ngokufanelekileyo kolwazi lwekhredithi.
UMgaqo wokuZiphatha sesona sixhobo siphambili se-CBA sokuzilawula. Ayingomthetho, kodwa isebenza kunye noMthetho weNtengo weSizwe kunye nePOPIA ukwenza isakhelo esibanzi solawulo lwedatha yetyala. I-Bureaux engamalungu e-CBA azibophelele ekulandeleni iKhowudi, kwaye ababhalisi abafikelela kwiinkcukacha zeziko ngamalungu e-CBA kulindeleke ukuba bathobele izibophelelo zababhalisi ezichazwe kwiKhowudi.
IKhowudi ibandakanya iinkalo ezininzi eziphambili: umgangatho wedatha kunye neemfuno zokuchaneka, injongo evumelekileyo yokufikelela kwidatha, amalungelo omthengi kuquka ukufikelela kunye nokusombulula iingxabano, imigangatho yokhuseleko lwedatha, ukusetyenziswa ngokufanelekileyo kolwazi lwekhredithi, kunye nokuphathwa ngokufanelekileyo kwabathengi. Ezi mfuno zisebenza kuzo zombini ii-ofisi kunye nababhalisi, idala izibophelelo kumntu wonke okwi-ecosystem yedatha yekhredithi.
Kubasebenzi bekhredithi, ukuqonda indima ye-CBA kunceda ukucacisa ukuba kutheni iimfuno ezithile zikhona kwaye zingena njani kumhlaba obanzi wolawulo. IKhowudi ayifuni ngqiqweni - ibonisa ezona zenzo zigqwesileyo kushishino kunye nokulindelweyo kulawulo, kwaye inceda ekuqinisekiseni ukuba iinkcukacha zamaziko zihlala zithembekile, zikhuselekile, kwaye zisetyenziswa ngokufanelekileyo kulo lonke ishishini lamatyala.
ImiGaqo ePhambili yeNdlela yokuziPhatha
UMgaqo wokuZiphatha we-CBA useka imigaqo emininzi esisiseko elawula indlela idatha yeziko emaziphathwe ngayo. Le migaqo isebenza kuwo omabini amaziko kunye nababhalisi, ukudala isakhelo sokusetyenziswa kwedatha ngenkathalo kulo lonke ishishini letyala.
Umgangatho wedatha kunye nokuchaneka kusisiseko. I-Bureox kufuneka igcine ulwazi lwetyala oluchanekileyo, olupheleleyo, nolwahlaziywayo. Mababe neenkqubo zokungqinisisa idatha phambi kokuba irekhodwe, balungise iimpazamo ngokukhawuleza xa bechongiwe, nokuqinisekisa ukuba ingcaciso ephelelwe lixesha iyasuswa okanye ihlaziywe ngokufanelekileyo. Ababhalisi abangenisa idatha kwii-bureaux kufuneka baqinisekise ukuba ulwazi abalunikezayo luchanekile kwaye luphelele. Kubasebenzi bekhredithi abatsala iingxelo, oku kuthetha ukuthembela kwidatha efanele ukuthembeka, kodwa ikwathetha ukuqonda ukuba iimpazamo zingenzeka kwaye iinkqubo zengxabano zikhona ngesizathu.
Injongo evumelekileyo yokufikelela kwidatha ngumgaqo obalulekileyo. Idatha ye-Bureau inokufikelelwa kuphela ngeenjongo zoshishino ezisemthethweni ezinxulumene ngqo novavanyo lwetyala, ulawulo lwe-akhawunti, ukuqokelelwa kwamatyala, okanye eminye imisebenzi evunyelwe ngokucacileyo phantsi kweKhowudi kunye noMthetho wamaTyala weSizwe. Ukutsala iingxelo ngaphandle kwesizathu esibambekayo kwaphula iKhowudi kwaye kunokukhokelela ekuphulukaneni nofikelelo kwiziko. Utsalo ngalunye lweziko kufuneka lunxulunyaniswe nenjongo ethile, ebhaliweyo yeshishini — nokuba kukuvavanya isicelo setyala, ukulawula i-akhawunti esele ikho, ukwenza uvavanyo lokucetyiswa ngamatyala, okanye omnye umsebenzi ovunyelweyo.
Amalungelo abathengi angundoqo kwiKhowudi. Abathengi banelungelo lokufikelela kulwazi lwabo lwetyala, ukuphikisa idatha engachanekanga, ukufumana izilungiso xa iimpazamo zifunyenwe, kunye nokuqonda indlela idatha yabo esetyenziswa ngayo. I-Bureox kufuneka ibonelele ngeendlela zokufikelela kubathengi kwiingxelo zabo, bangenise iingxabano, kwaye bafumane iimpendulo ngexesha elibekiweyo. Ababhalisi kufuneka bahloniphe la malungelo kwaye akufuneki basebenzise idatha ye-bureau ngeendlela ezaphula ubumfihlo bomthengi okanye imigaqo yonyango enobulungisa.
Ukhuseleko lwedatha aluxoxiswana. IKhowudi ifuna ukuba idatha ye-bureau ikhuselwe ekufikeleleni okungagunyaziswanga, ilahleko, okanye ukubhengezwa. Oku kusebenza kuzo zombini ii-bureaux kunye nababhalisi. Iingcali zekhredithi ezifikelela kwidatha ye-bureau kufuneka ziphumeze amanyathelo okhuseleko afanelekileyo kuquka ukufihla, ukulawula ukufikelela, kunye nokugcinwa okukhuselekileyo. IKhowudi ayifuni imigangatho ethile yobugcisa, kodwa ifuna ukuba amanyathelo okhuseleko afaneleke uvakalelo lwedatha - kunye nedatha yekhredithi iphakathi kweendidi ezinzulu zolwazi lomntu.
Ukusetyenziswa kolwazi lwekhredithi ngenkathalo kuthetha ukuba idatha kufuneka isetyenziselwe kuphela iinjongo ebifikelelwe kuzo, akufuneki kwabelwane ngayo ngaphaya kwamaqela agunyazisiweyo, kwaye kufuneka iphathwe ngeendlela ezihlonipha ubumfihlo kunye nesidima somthengi. IKhowudi iyakuthintela ukusetyenziswa kwedatha ye-bureau ukuhlukumeza, ucalucalulo, okanye ezinye izenzo ezingalunganga. Ifuna ukuba idatha isetyenziswe ngokufanelekileyo nangokucacileyo, kwaye abathengi baqonde ukuba ulwazi lwabo lusetyenziswa njani.
Ukuphathwa ngokufanelekileyo kwabathengi kufuna ukuba iingcali zekhredithi zisebenzise idatha yeofisi ukwenza izigqibo ezinobulungisa, ezingaguqukiyo. IKhowudi iyakuthintela ukusebenzisa ulwazi lwekhredithi ngeendlela ezicalula ngokungafanelekanga okanye eziphatha abathengi abafanayo ngokwahlukileyo ngaphandle kwesizathu. Lo mgaqo uxhasa injongo ebanzi yokuqinisekisa ukuba iimarike zeentengo zemboleko zisebenza ngokufanelekileyo kwaye abathengi baphathwa ngokulinganayo.
Le migaqo isebenzisana ukwenza isakhelo sokusetyenziswa kwedatha yetyala ngenkathalo. Ayizizo iimfuno ezahlukileyo — ziyimigangatho enxibeleleneyo ekufuneka iingcali zekhredithi zihlangabezane nazo ngaxeshanye. Ukuqonda le migaqo kunceda iifemu zakha iinkqubo kunye neenkqubo ezithobela iKhowudi ngokwendalo endaweni yokuphatha ukuthotyelwa njengenkxalabo eyahlukileyo.
Injongo Evumelekileyo — Xa Unokuthi Utsale Ingxelo
IKhowudi yokuZiphatha ye-CBA icacile: iinkcukacha zeofisi zinokufikelelwa kuphela ngeenjongo ezivumelekileyo. Le mfuneko ayingomthetho - ngumgaqo osisiseko okhusela ubumfihlo bomthengi kwaye uqinisekisa ukuba ulwazi lwekhredithi lusetyenziswa ngokufanelekileyo. Ukuqonda ukuba yintoni injongo evumelekileyo kubalulekile kuyo nayiphi na ingcali yekhredithi efikelela kwiinkcukacha ze-bureau.
Eyona njongo iqhelekileyo evumelekileyo luvavanyo lwesicelo setyala. Xa umboleki efaka isicelo sekhredithi—enoba yimali-mboleko, ikhadi letyala, iakhawunti yevenkile, okanye olunye uncedo—umniki-nkonzo yeentengo zemboleko usenokutsala ingxelo ye-bureau ukuze ahlole ukufaneleka kwetyala, aqinisekise ubuni, aze aqinisekise ukuba unokufikeleleka na. Le njongo ivunyelwe ngokucacileyo phantsi kweKhowudi ye-CBA kunye noMthetho weSizwe weTyala, odinga ukuba abaniki-nkonzo yeentengo zemboleko benze uhlolo olululo phambi kokwandiswa kwetyala.
Ulawulo lwe-akhawunti yenye injongo evumelekileyo. Xa umniki-nkonzo yeentengo zemboleko elawula i-akhawunti esele ikho - ukuphonononga imida yekhredithi, ukuhlola umngcipheko, okanye ukwenza izigqibo malunga nemigaqo ye-akhawunti - ukufikelela kwiinkcukacha ze-bureau kunokuthetheleleka. Nangona kunjalo, le njongo kufuneka icace kwaye ibhalwe. Ukubeka iliso okuqhelekileyo ngaphandle kwesizathu esicacileyo seshishini akunakufaneleka njengenjongo evumelekileyo, ngakumbi ukuba kwenzeka rhoqo ngaphandle kwesizathu.
Imisebenzi yokuqokelela amatyala isenokuthethelela ufikelelo kwiziko xa umqokeleli efuna ukukhangela umthengi, aqinisekise ukuba ungubani, okanye avavanye ukukwazi ukuhlawula. Nangona kunjalo, iKhowudi ifuna ukuba imisebenzi yokuqokelela amatyala iqhutywe ngokufanelekileyo kwaye idatha ye-bureau ingasetyenziselwa ukuhlukumeza okanye izenzo ezingalunganga. Injongo evumelekileyo kufuneka ibe yingqokelela yetyala elisemthethweni, hayi ukufikelela kwidatha kuxinzelelo lwabathengi.
Ukuhlolwa kwengqesho yinjongo evumelekileyo kwiimeko ezilinganiselweyo. Xa isikhundla sibandakanya uxanduva lwezemali okanye ukufikelela kwimithombo yemali, abaqeshi banokufikelela kwiingxelo zekhredithi njengenxalenye yokuhlola imvelaphi. Nangona kunjalo, le njongo ithintelwe ngakumbi kunovavanyo lwekhredithi, kwaye abaqeshi kufuneka baqinisekise ukuba ukuhlolwa kwamatyala kuyimfuneko kwaye kuhambelana nendima. IKhowudi ifuna ukuba ukuhlolwa kwengqesho kuqhutywe ngokufanelekileyo kwaye abathengi baqonde ukuba kutheni ulwazi lwabo lwekhredithi lufikelelwa.
Uvavanyo lokucetyiswa kwetyala luvunyelwe ngokucacileyo. Xa umcebisi wamatyala evavanya ukutshona ematyaleni omboleki ngokugqithisileyo, ephuhlisa izindululo zohlengahlengiso, okanye elawula ityala lokuphononongwa kwamatyala, ukufikelela kwiingxelo ze-bureau kuyimfuneko kwaye kuvunyelwe. I-National Credit Act ifuna ukuba abacebisi ngamatyala benze uhlolo olululo, kwaye iinkcukacha ze-bureau zibalulekile kule njongo.
Imfuneko ephambili kukuba yonke i-bureau pull kufuneka inxulunyaniswe nenjongo ethile, ebhaliweyo yeshishini. Ukutsala iingxelo “ukuba kunokwenzeka” okanye ukubeka iliso ngokubanzi ngaphandle kwesizathu esicacileyo kwaphula iKhowudi. Iingcali zamatyala kufuneka zikwazi ukucacisa ukuba kutheni ingxelo nganye itsaliwe, yeyiphi injongo eyenzekileyo, kwaye isetyenziswe njani. Le mfuneko yamaxwebhu ixhasa ukuthotyelwa kwe-CBA kunye nezibophelelo ezibanzi Ukuthotyelwa kweNational Credit Act.
IKhowudi ikwalela ukusetyenziswa okuthile. Idatha ye-Bureau ayinakusetyenziselwa iinjongo zokuthengisa ngaphandle kwemvume ecacileyo. Akunakwabelwana ngayo namaqela angaphandle angagunyaziswanga. Ayinakusetyenziselwa ukuxhatshazwa, ucalucalulo, okanye ezinye izenzo ezingafanelekanga. Ezi zithintelo zicacile, kwaye ukwaphulwa kungakhokelela ekuphulukaneni nokufikelela kwi-bureau kunye namanyathelo okulawula anokubakho.
Kubasebenzi beentengo zemboleko, intsingiselo esebenzayo yeyokuba lonke utsalo lwe-bureau kufuneka lungqinelwe kwaye lubhalwe. Iinkqubo eziloga ngokuzenzekelayo ngubani otsale ingxelo, nini, kwaye yeyiphi isicelo okanye imeko exhasa le mfuneko. Xa uphicotho-zincwadi lwenzeka okanye kuvela izikhalazo, iifemu kufuneka zibe nakho ukubonisa ukuba konke ukufikelela bekusenzelwa injongo evumelekileyo nokuba injongo ibibhalwe phantsi ngexesha lofikelelo.
Ukuchaneka kwedatha kunye noSombululo lweMbango
IKhowudi yokuZiphatha ye-CBA ibeka ugxininiso olubalulekileyo ekuchanekeni kwedatha kwaye ibonelela ngeendlela zokusebenzisa abathengi ukuba baphikise ulwazi olungachanekanga. Olu gxininiso lubonisa ukubaluleka kwedatha ethembekileyo yekhredithi kubo bobabini abathengi kunye neengcali zekhredithi. Xa idatha ye-bureau ingachanekanga, abathengi banokunganikwa ikhredithi ngokungafanelekanga, kwaye abaqeqeshi bekhredithi banokwenza izigqibo ngokusekelwe kulwazi olungachanekanga.
Iofisi kufuneka igcine iirekhodi ezichanekileyo. IKhowudi ifuna ukuba amaziko aqinisekise idatha phambi kokuba ayirekhodwe, ahlaziye ulwazi ngokukhawuleza xa kukho utshintsho, kwaye asuse ulwazi oluphelelwe lixesha ngokufanelekileyo. I-Bureox kufuneka ibe neenkqubo zokuqinisekisa umgangatho wedatha, kubandakanywa ukuhlolwa kokuqinisekiswa, ukuphononongwa rhoqo, kunye neendlela zokuchonga kunye nokulungisa iimpazamo. Kubasebenzi bekhredithi, oku kuthetha ukuba iingxelo ze-bureau kufuneka zithembeke ngokubanzi, kodwa kukwathetha ukuqonda ukuba iimpazamo zingenzeka kwaye iinkqubo zengxabano zikhona ngesizathu.
Iingcali zekhredithi ezingenisa idatha kwii-bureaux zinezibophelelo ngokunjalo. Xa unikezela ngembali yokuhlawula, isimo se-akhawunti, okanye olunye ulwazi kwi-bureaux, ababhalisi kufuneka baqinisekise ukuba idatha ichanekile kwaye iphelele. Ukungenisa idatha engachanekanga kwaphula iKhowudi kwaye inokulimaza abathengi. Abaniki-nkonzo zeentengo zemboleko kufuneka babe neenkqubo zokuqinisekisa iinkcukacha phambi kokungeniswa kunye nokulungisa iimpazamo ngokukhawuleza xa zichongiwe.
Abathengi banelungelo lokuphikisa ulwazi olungachanekanga. IKhowudi ifuna ukuba i-bureau ibonelele ngeendlela ezicacileyo kubathengi ukuba bangenise iingxabano, ukuba iingxabano ziphandwe ngokukhawuleza, kwaye abathengi bafumane iimpendulo ngexesha elibekiweyo. Xa umthengi ephikisana nolwazi, i-bureau kufuneka iphande, iqhagamshelane nomnikezeli wedatha ukuba kukho imfuneko, kwaye mhlawumbi ilungise ulwazi okanye ichaze ukuba kutheni ingxabano ingaxhaswanga.
Inkqubo yokusombulula ingxabano ibandakanya amanyathelo amaninzi. Umthengi ungenisa impikiswano, rhoqo ngewebhusayithi ye-bureau okanye amajelo eenkonzo zabaxumi. I-bureau iphanda ingxabano, enokuthi ibandakanye ukuqhagamshelana nombolekisi okanye umboneleli wedatha ongenise ulwazi. Ukuba impikiswano isemthethweni, i-bureau ilungisa ulwazi kwaye yazise umthengi. Ukuba ingxabano ayixhaswanga, i-bureau ichaza isigqibo kwaye ibonelele ngolwazi malunga nolunye ukhetho lokubuyisela.
Amaxesha amisiweyo okusombulula iingxabano abalulekile. IKhowudi ifuna ukuba amaziko akhoyo aphendule kwiingxabano phakathi kwamaxesha afanelekileyo, ngokwesiqhelo phakathi kweentsuku zokusebenza ezingama-20. Oku kuqinisekisa ukuba abathengi bafumana isisombululo kwangethuba kwaye ulwazi olungachanekanga aluqhubeki ngokungeyomfuneko. Iingcali zekhredithi ezifumana izaziso zeengxabano ezivela kuma-bureaux kufuneka ziphendule ngokukhawuleza ukuxhasa inkqubo yokusombulula.
Kubasebenzi bekhredithi, ukuqonda inkqubo yengxabano kunceda ngeendlela ezininzi. Xa abathengi bephakamisa iinkxalabo malunga neengxelo zabo zekhredithi, iingcali zekhredithi zinokuchaza indlela yokungenisa iingxabano kunye noko kufuneka kulindelwe. Xa iingxabano zisonjululwe kwaye iingxelo zilungiswa, abaqeqeshi bekhredithi banokufuna ukuhlaziya kwakhona izigqibo ezisekelwe kulwazi olungachanekanga ngaphambili. Ukuqonda ukuba idatha ye-bureau inokuphikiswa kwaye ilungiswe inceda iingcali zekhredithi zisebenzise loo datha ngokufanelekileyo nangokufanelekileyo.
IKhowudi ikwafuna ukuba amaziko agcina amaziko agcine iindlela zophicotho-zincwadi zeengxabano kunye nezilungiso. Oku kuqinisekisa ukuba utshintsho kulwazi lwekhredithi lubhalwe kwaye luyalandeleka, oluxhasa umgangatho wedatha kwaye lunceda ukusombulula iingxabano ezizayo. Kubasebenzi bekhredithi, oku kuthetha ukuba ulwazi olulungisiweyo kufuneka luthembeke kwaye inkqubo yengxabano yenzelwe ukuphucula ukuchaneka kwedatha ekuhambeni kwexesha.
Ukuchaneka kwedatha ayisiyomfuneko nje yokuthotyelwa - ibalulekile kwiimarike zamatyala ezinobulungisa. Xa idatha ye-bureau ichanekile, iingcali zekhredithi zingenza izigqibo ezinolwazi, abathengi bafumana impatho enobulungisa, kwaye iimarike zekhredithi zisebenza ngokufanelekileyo. Ugqaliselo lweKhowudi ye-CBA ekuchanekeni nasekusonjululweni kweengxabano ixhasa ezi njongo ngokuqinisekisa ukuba iimpazamo zichongiwe yaye zilungiswa ngokukhawuleza.
IziBonelelo zababhalisile
Njengombhalisi - ifemu efikelela kwidatha yeofisi - unezibophelelo ezithile phantsi koMgaqo wokuZiphatha weCBA. Ezi zibophelelo azikhethi, kwaye ukwaphulwa kungakhokelela ekuphulukaneni nokufikelela kwi-bureau, nto leyo ethintela ngokufanelekileyo inkampani yakho ekusebenzeni kwishishini lekhredithi. Ukuqonda ezi zibophelelo kunye nokuzakhela kwimisebenzi yakho kubalulekile ekugcineni ufikelelo lweofisi kunye nokusebenza ngokusemthethweni.
Kufuneka usebenzise idatha kuphela ngeenjongo ezivumelekileyo. Utsalo ngalunye lweziko kufuneka ludityaniswe nenjongo ethile, ebhaliweyo yeshishini ekufanelekelayo njengenjongo evumelekileyo phantsi kweKhowudi. Ukutsala iingxelo ngaphandle kwesizathu esibambekayo kwaphula iKhowudi. Oku kuthetha ukuba iisistim zakho kufuneka zixhase amaxwebhu eenjongo, kwaye abasebenzi bakho kufuneka baqonde ukuba yintoni na eyenza injongo evumelekileyo ngokuchasene noko kungavumelekanga. Uqeqesho lwabasebenzi kwiimfuno zenjongo evumelekileyo luyimfuneko, kunye neenkqubo ezikhuthaza ukubhalwa kwenjongo ngexesha lokuthotyelwa kwenkxaso yokufikelela.
Kufuneka ugcine ukhuseleko olwaneleyo. IKhowudi ifuna ukuba idatha ye-bureau ikhuselwe ekufikeleleni okungagunyaziswanga, ilahleko, okanye ukubhengezwa. Oku kuthetha ukuphumeza imilinganiselo efanelekileyo yobugcisa neyombutho equka uguqulelo oluntsonkothileyo ekuphumleni nasekuhambeni, ulawulo lofikelelo, ugcino olukhuselekileyo, kwaye apho kufanelekileyo, uqinisekiso lwezinto ezininzi. Amanyathelo okhuseleko kufuneka ahambelane novakalelo lwedatha, kwaye idatha yekhredithi iphakathi kwezona ndidi zinovakalelo. Iisistim eziphumeza ulawulo lofikelelo olusekwe kwindima kunye nophicotho zincwadi olubanzi zixhasa ezi zibophelelo zokhuseleko.
Kufuneka uqeqeshe abasebenzi ngendlela eyiyo yokuphatha idatha. Asinguye wonke umqeshwa ekufuneka aqonde zonke iinkcukacha zeKhowudi, kodwa abasebenzi abafikelela kwiinkcukacha zeziko kufuneka baqonde iimfuno zenjongo evumelekileyo, izibophelelo zokhuseleko, kunye nezithintelo ekwabelweni kwedatha. Uqeqesho kufuneka lube rhoqo, lubhalwe, kwaye luhlaziywe xa iimfuno zitshintsha. Abasebenzi abaphula iKhowudi banokudala uxanduva kumbutho wakho uphela, ukuqinisekisa ukuba wonke umntu uyaziqonda izibophelelo zabo kubalulekile.
Akufunekanga wabelane ngedatha ye-bureau ngaphandle kweenjongo ezigunyazisiweyo. Iingxelo ze-Bureau akunakwabelwana ngazo namaqela esithathu ngaphandle kokuba ukwabelana kuyimfuneko ngenjongo evumelekileyo kwaye kugunyaziswe phantsi kweKhowudi. Oku kuthetha ukuba ukwabelana ngeengxelo namaqabane, abathengisi, okanye amanye amaqela ngaphandle kwesizathu esicacileyo kwaphula iKhowudi. Ukuba ufuna ukwabelana ngedatha kunye nabanikezeli benkonzo, izivumelwano ezifanelekileyo kunye nezigunyaziso kufuneka zibe khona, kwaye ukwabelana kufuneka kube yimfuneko ngenjongo yoshishino olusemthethweni.
Kufuneka uhambelane neemfuno zokugcina. IKhowudi ayiwakhankanyi ngokuthe ngqo amaxesha okugcina - lawo amiselwa yiMigaqo yeKhredithi Bhurosi - kodwa ifuna ukuba idatha ingagcinwa ixesha elide kunemfuneko kwaye imigaqo-nkqubo yokugcinwa icace kwaye ibhalwe. Iimfuno zokugcina iirekhodi phantsi kweNational Credit Act inokufuna ukugcinwa ixesha elide kunelona xesha lincinane lichazwe kwimimiselo, ngoko ke kufuneka ulungelelanise iimfuno ezininzi. Iinkqubo ezilawula ngokuzenzekelayo ukugcinwa ngokusekelwe kwimigaqo-nkqubo zixhasa ukuthotyelwa ngokufanelekileyo kunezigqibo zokugcina ngesandla.
Kufuneka uphendule ngokufanelekileyo izicelo zabathengi. Xa abathengi becela ukufikelela kwidatha yabo yekhredithi okanye bangenise iingxabano, kufuneka uziphathe ezi zicelo ngokukhawuleza nangobulungisa. Ngelixa i-bureaux ijongana nonxibelelwano oluninzi lwabathengi ngokuthe ngqo, ababhalisi banokufumana izicelo okanye bafuna ukubonelela ngolwazi ukuxhasa ukusonjululwa kwengxabano. Ukuba neenkqubo zokusingatha ezi zicelo kuxhasa ukuthotyelwa kweKhowudi kunye nenkonzo elungileyo yabathengi.
Kufuneka ugcine iindlela zophicotho. IKhowudi ifuna ukuba ufikelelo kwidatha ye-bureau lufakwe kwaye lulandeleke. Oku kuthetha ukurekhoda ukuba ngubani okhuphe ingxelo, nini, kwaye ngayiphi injongo. Iindlela zophicotho olubanzi zixhasa ukuthotyelwa kweKhowudi kunye nezibophelelo ezibanzi zolawulo, kunye neenkqubo eziloga ngokuzenzekelayo zonke ukufikelela zenza iindlela zophicotho ezinamandla kunokugcina irekhodi ngesandla.
Ukwaphulwa kwezibophelelo zababhalisi kunokubangela ilahleko yokufikelela kwi-bureau. I-Bureaux inokunqumamisa okanye iphelise ukufikelela kwiifemu ezaphula iKhowudi, ngakumbi ngenxa yolwaphulo-mthetho olumandla olufana nokufikelela kwidatha ngaphandle kwenjongo evumelekileyo, ukwabelana ngedatha ngokungafanelekanga, okanye ukusilela ukugcina ukhuseleko olwaneleyo. Ukulahleka kofikelelo kwiziko kuthintela ngokufanelekileyo iifemu ekusebenzeni kushishino lwamatyala, ngoko ke ukuthobela akukhethi.
Intsingiselo esebenzayo kukuba izibophelelo zababhalisi kufuneka zakhelwe kwimisebenzi yakho yemihla ngemihla. Iinkqubo ezingena ngokuzenzekelayo ukufikelela, ukukhawuleza kumaxwebhu eenjongo, ukuphumeza ulawulo lokufikelela, kunye nokulawula ukuthotyelwa kwenkxaso yokugcinwa ngokufanelekileyo kuneenkqubo zezandla. Abasebenzi abaqeqeshayo, imigaqo-nkqubo yokubhala, kunye nokuphononongwa rhoqo kuqinisekisa ukuba izibophelelo ziyahlangatyezwa. Xa ukuthotyelwa kwakhelwe kukuhamba komsebenzi kunokuba kuthathwe njengenkxalabo eyahlukileyo, uxanduva lokuhlangana lwababhalisile luba yinto yendalo kunokuba luxanduva.
Indlela iKhowudi ye-CBA eHlanganelana ngayo neNCA kunye nePOPIA
UMgaqo wokuZiphatha we-CBA awukho wodwa. Isebenza kunye noMthetho weSizwe weTyala kunye nePOPIA, idala isikhokelo solawulo esibanzi solawulo lwedatha yetyala. Ukuqonda ukuba ezi zikhokelo zintathu zidibana njani kubalulekile kubasebenzi bekhredithi ekufuneka bazithobele zonke ngaxeshanye.
I-National Credit Act ibonelela ngesiseko esisemthethweni solawulo lwetyala. Imisela iimfuno zovavanyo lwetyala, ukubala ukufikeleleka, ukubhengeza, kunye nokugcinwa kweerekhodi. Iyakuthintela ukuboleka imali ngokungenankathalo kwaye ifuna ukuba abaniki-nkonzo beentengo zemboleko benze uhlolo olululo phambi kokwandiswa kwetyala. I-NCA ikwaseka inkqubo yophononongo lwamatyala kwaye ibeke iimfuno zabacebisi ngamatyala. Kubasebenzi beentengo zemboleko, ukuthotyelwa kweNCA kunyanzelekile kwaye kunyanzeliswe nguMlawuli weSizwe weTyala.
I-POPIA ilawula ukhuseleko lwedatha. Imisela iimeko zokusetyenzwa ngokusemthethweni kolwazi lomntu, ifuna amanyathelo afanelekileyo okhuseleko, kwaye inika abantu abanolwazi ngamalungelo kuquka ukufikelela, ukulungisa, kunye nokuchaswa. I-POPIA isebenza kuzo zonke iinkcukacha zomntu, kuquka iinkcukacha zekhredithi, kwaye ifuna amaqela anoxanduva ukuba aphumeze amanyathelo obugcisa kunye nombutho ukukhusela idatha. Ukuthotyelwa kwePOPIA kunyanzelekile kwaye kunyanzeliswe nguMlawuli woLwazi.
IKhowudi ye-CBA yongeza imigangatho engqamene noshishino lwedatha ye-bureau. Iseka iimfuno kumgangatho wedatha, injongo evumelekileyo, amalungelo abathengi, kunye nokhuseleko oluthe ngqo kulwazi lwe-credit bureau. Ngelixa iKhowudi iyazilawula kunokuba ibe semthethweni, isebenza kunye ne-NCA kunye nePOPIA ukudala iimfuno ezineenkcukacha malunga nendlela i-bureau data ekufuneka iphathwe ngayo.
Zontathu izakhelo zisebenza ngaxeshanye. Xa umniki-nkonzo yeentengo zemboleko etsala ingxelo ye-bureau ukuhlola isicelo, iimfuno ze-NCA zilawula indlela uhlolo ekufuneka luqhutywe ngayo, iimfuno ze-POPIA zilawula indlela idatha emele ikhuselwe ngayo, kwaye iimfuno zeKhowudi ye-CBA zilawula indlela i-data ye-bureau efanele isetyenziswe ngayo. Ukuthotyelwa kwesakhelo esinye akuqinisekisi ukuthotyelwa kwezinye - kodwa iimfuno ezininzi ziyadibana, zidala amathuba eendlela zokuthobela ezihlanganisiweyo.
Ulawulo lofikelelo ngumzekelo omhle wokudibana. I-NCA ifuna ukuba uvavanyo lwekhredithi lulandeleke kwaye iirekhodi zigcinwe. I-POPIA ifuna ukuba ukufikelela kwinkcazelo yobuqu kulawulwe kwaye kufakwe. IKhowudi ye-CBA ifuna ukuba kufikelelwe kwidatha ye-bureau kwaye amanyathelo okhuseleko anele. Inkqubo enye ephumeza ulawulo lofikelelo olusekwe kwindima kunye nemibhalo yophicotho-zincwadi ebanzi ixhasa zonke iimfuno ezintathu ngaxeshanye.
Iimfuno zokuchaneka kwedatha nazo ziyadibana. I-NCA ifuna ukuba uvavanyo lwekhredithi lusekelwe kulwazi oluchanekileyo. I-POPIA ifuna ukuba iinkcukacha zobuqu zichaneke kwaye zibe sexesheni. IKhowudi ye-CBA ifuna ukuba iinkcukacha zeziko zichaneke kwaye iimbambano zisonjululwe ngokukhawuleza. Ukusebenzisa iingxelo ze-bureau zangoku, ukungqinisisa ulwazi, kunye nokulungisa iimpazamo xa zichongiwe kuxhasa ukuthotyelwa kwazo zontathu izikhokelo.
Iimfuno zokugcina ziyadibana kodwa zinokwahluka. IMimiselo ye-Credit Bureau ichaza ubuncinane bexesha lokugcinwa kwedatha yekhredithi. I-NCA ifuna ukuba iirekhodi zigcinwe ngamaxesha amiselweyo. I-POPIA ifuna ukuba idatha ingagcinwa ixesha elide kunemfuneko. Iingcali zekhredithi kufuneka zilungelelanise ezi mfuno, zigcine idatha ixesha elide ngokwaneleyo ukuhlangabezana nezibophelelo zeNCA ngelixa zingayigcini ixesha elide kunemfuneko phantsi kwePOPIA. IKhowudi ye-CBA ifuna ukuba imigaqo-nkqubo yokugcina icace kwaye ibhalwe, exhasa ukuthotyelwa kweemfuno zeNCA kunye nePOPIA.
Amalungelo abathengi ayahambelana kakhulu. I-NCA inika abathengi amalungelo malunga nezivumelwano zeentengo zemboleko kunye nophononongo lwamatyala. I-POPIA inika abathengi amalungelo malunga neenkcukacha zabo zobuqu. IKhowudi ye-CBA inika abathengi amalungelo malunga nolwazi lwe-credit bureau. La malungelo ayaphelelisana, kwaye abachwephesha bamatyala kufuneka bawahloniphe onke.
Ukuqonda okuphambili kukuba ukuthotyelwa kufuneka kudityaniswe kunokuba kufakwe i-siloid. Iinkqubo ezixhasa ukuthotyelwa kweNCA ngokugcina iindlela zophicotho-zincwadi kunye namaxwebhu zikwaxhasa ukuthotyelwa kwePOPIA ngokuloga ukufikelela nokulawula ukusetyenziswa kwedatha, kwaye zixhasa ukuthotyelwa kweKhowudi ye-CBA ngokuqinisekisa amaxwebhu eenjongo ezivumelekileyo nokhuseleko. Ukuphatha ukuthobela njengenkxalabo ehlanganisiweyo kunoluhlu lokutshekisha oluthathu olwahlukeneyo lusebenza ngakumbi kwaye lusebenza ngakumbi.
Noko ke, kukho umahluko. I-NCA igxile kuvavanyo lwetyala kunye neendlela zokubolekisa ngemali. I-POPIA igxile ekukhuselweni kwedatha kunye nobumfihlo. IKhowudi ye-CBA ijolise ngokukodwa kusetyenziso lwedatha ye-bureau. Ukuqonda lo mahluko kunceda iingcali zekhredithi zichonge apho iimfuno ezithile zisebenza kwaye apho iindlela ezidibeneyo zinokwenzeka khona.
Kubasebenzi bekhredithi, intsingiselo ebonakalayo kukuba iinkqubo zokuthobela kufuneka zixhase zonke izikhokelo ezintathu ngaxeshanye. Xa idatha ye-bureau ifikeleleke, inkqubo kufuneka ifake ukufikelela (i-POPIA kunye neKhowudi ye-CBA), ibhale injongo evumelekileyo (iKhowudi ye-CBA), idibanise novavanyo (NCA), kwaye iqinisekise ukuba amanyathelo okhuseleko afanelekile (i-POPIA kunye neKhowudi ye-CBA). Ukuthotyelwa okuhlanganisiweyo kusebenza ngakumbi kunokuphatha isakhelo ngasinye ngokwahlukileyo, kwaye kunciphisa umngcipheko wezithuba okanye ukungahambelani.
Iimpembelelo ezisebenzayo kwiFirm yakho
UMgaqo wokuZiphatha we-CBA udala iimfuno ezithile zokusebenza ekufuneka wonke umntu oqeqeshelwe ngetyala kufuneka ahlangabezane nazo. Ezi mfuno azikho ithiyori - ziguqulela kwiinkqubo zemihla ngemihla ekufuneka ifem yakho izalisekise kwaye igcinwe. Ukuqonda iimpembelelo ezisebenzayo kukunceda ukuba wakhe ukuthotyelwa kwimisebenzi yakho kunokuba uyithathe njengomthwalo owahlukileyo.
Lonke utsalo lweziko kufuneka lungqinelwe kwaye lubhalwe. Oku kuthetha ukuba iisistim zakho kufuneka zixhase amaxwebhu enjongo ngexesha lofikelelo, kwaye abasebenzi bakho kufuneka baqonde ukuba yintoni na ebandakanya injongo evumelekileyo. Xa umvavanyi etsala ingxelo, kufuneka axelelwe ukuba achaze injongo—ukuhlola isicelo, ukulawula iakhawunti, ukwenza uvavanyo lokucebisa ngetyala, okanye esinye isizathu esivumelekileyo. La maxwebhu kufuneka agcinwe kwaye ahlaziywe ukwenzela uphicotho-zincwadi okanye izikhalazo. Iinkqubo ezithi zifune uxwebhu lwenjongo ngokuzenzekelayo kwaye ziqhagamshelwe kwiziko lokutsalwa kwe-bureau zixhasa le mfuno ngempumelelo kuneenkqubo ezenziwa ngezandla.
Abasebenzi kufuneka baqonde ukuba yintoni na eyenza injongo evumelekileyo. Oku kufuna uqeqesho olucacisa iimfuno zeKhowudi, lubonelele ngemizekelo yosetyenziso oluvumelekileyo noluthintelweyo, kwaye lucacise xa ufikelelo kwiziko luthetheleleka xa luthelekiswa naxa lungafanelekanga. Uqeqesho kufuneka lube rhoqo, lubhalwe, kwaye luhlaziywe xa iimfuno zitshintsha. Abasebenzi abangaziqondiyo iimfuno zeenjongo ezivumelekileyo bangophula iKhowudi bengenzi ngabom, bedala umngcipheko kumbutho wakho uphela.
Ukhuseleko lwedatha alukhethi. IKhowudi ifuna amanyathelo okhuseleko afanelekileyo, kwaye idatha yekhredithi iphakathi kwezona ndidi zibuthathaka kakhulu zolwazi lomntu. Oku kuthetha ukuphumeza uguqulelo oluntsonkothileyo ekuphumleni nasekuhambeni, ulawulo lofikelelo olusekwe kwindima, ugcino olukhuselekileyo, kwaye apho kufanelekileyo, uqinisekiso lwezinto ezininzi. La manyathelo kufuneka abonakaliswe - kufuneka ukwazi ukubonisa abaphicothi-zincwadi okanye abalawuli ukuba ukhuseleko lwanele. Iinkqubo ezizalisekisa ukhuseleko ngokuyila zixhasa le mfuno ngokufanelekileyo kunemilinganiselo yokhuseleko ehlaziyiweyo.
Idatha ye-Bureau kufuneka igcinwe ngokukhuselekileyo ngolawulo lofikelelo. Oku kuthetha ukuba iingxelo akufanele zigcinwe kwiidrive ekwabelwana ngazo ezingafihlwanga, iinkqubo ze-imeyile, okanye ezinye iindawo ezingakhuselekanga. Ufikelelo kufuneka luphelele kubasebenzi abalufunayo kwiindima zabo, kwaye lonke ufikelelo kufuneka lufakwe. Iinkqubo ezibeka kumbindi wedatha ye-bureau, ukuphumeza uguqulelo oluntsonkothileyo, kunye nokubonelela ngolawulo lofikelelo olusekwe kwindima zixhasa ezi mfuno ngokufanelekileyo kunokugcinwa kweefayile ezisasazekileyo.
Inkqubo eloga ukuba ngubani otsale ntoni, nini, kwaye ngayiphi injongo exhasa ukuthotyelwa kwe-CBA, NCA, kunye nePOPIA ngaxeshanye. Lo mkhondo wophicotho-zincwadi ubalulekile ekuboniseni ukuthotyelwa, ukuphendula izicelo zabathengi, kunye nokukhusela izigqibo ngexesha lophicotho-zincwadi okanye izikhalazo. Ukugawulwa kwemithi ngesandla kudla ngokuba neempazamo kwaye kaninzi akuphelelanga, ngelixa ukugawulwa kwemithi ngokuzenzekelayo kuqinisekisa ukuba akukho nto iphosakeleyo kwaye iirekhodi ziyahambelana. Iinkqubo ezilogisha ngokuzenzekelayo lonke ufikelelo lwe-bureau zenza iindlela zophicotho ezinamandla kuneenkqubo ezenziwa ngezandla.
Imigaqo-nkqubo yogcino kufuneka icace kwaye ibhalwe. IKhowudi ifuna ukuba imigaqo-nkqubo yokugcina isekwe kwaye ilandelwe, kwaye kufuneka ilungelelanise iimfuno zeKhowudi ye-CBA, iMimiselo ye-Credit Beregulations, iimfuno zokugcina irekhodi zeNCA, kunye neemfuno zePOPIA zokuba idatha ingagcinwa ixesha elide kunemfuneko. Iinkqubo ezilawula ngokuzenzekelayo ukugcinwa ngokusekelwe kwimigaqo-nkqubo zixhasa ukuthotyelwa ngokufanelekileyo kunezigqibo zokugcina ngesandla.
Izicelo zabathengi kufuneka zisingathwe ngokukhawuleza. Xa abathengi becela ukufikelela kwidatha yabo yekhredithi okanye bangenise iingxabano, kufuneka uphendule ngokufanelekileyo. Ngelixa i-bureaux ijongana ngqo nabathengi abaninzi, unokufumana izicelo okanye ufuna ukunika ulwazi ukuxhasa ukusonjululwa kwengxabano. Ukuba neenkqubo zokusingatha ezi zicelo kuxhasa ukuthotyelwa kweKhowudi kunye nenkonzo elungileyo yabathengi.
Inzuzo ebonakalayo yokwakha ukuthotyelwa kwimisebenzi yakho iyancipha umngcipheko kunye noxinzelelo. Xa utsalo ngalunye lweziko lulogiwe ngokuzenzekelayo, lonke ufikelelo luyalawulwa, kwaye yonke injongo ibhaliwe, ukubonisa ukuthotyelwa kuba yinto ecacileyo. Xa uphicotho lwenzeka okanye kuvela izikhalazo, unokuvelisa iirekhodi ezipheleleyo ngokukhawuleza endaweni yokukrazula ukuhlanganisa amaxwebhu. Uthotyelo lusebenza endaweni yolawulo, lunciphisa zombini iinzame kunye nomngcipheko.
Enye indlela - ukuphatha ukuthotyelwa njengenkxalabo eyahlukileyo - kudala umthwalo oqhubekayo kunye nomngcipheko. Xa uthotyelo lusebenza emva, uxwebhu aluphelelanga, kwaye iinkqubo zi-ad hoc, ukubonisa ukuthotyelwa kuba nzima kwaye kubangele uxinzelelo. Iifemu ezakha ukuthotyelwa kokuhamba kwazo kwemihla ngemihla ziwunqanda lo mthwalo kwaye zinciphisa umngcipheko wokuphulwa komthetho.
Kubasebenzi bekhredithi, umyalezo ucacile: ukuthobela iKhowudi ye-CBA ayikhethi, kwaye kufuneka yakhelwe kwimisebenzi kunokuba iphathwe njengento ecingelwayo. Iinkqubo ezixhasa uxwebhu lwenjongo evumelekileyo, ukhuseleko, ulawulo lofikelelo, iindlela zophicotho-zincwadi, kunye nolawulo lokugcinwa lujika ukuthotyelwa komthwalo lube sisiphumo sendalo semisebenzi elungileyo.
Hlala uthobela xa usebenzisa iDatha yeBureau
Umgaqo wokuziPhatha we-CBA umisela iimfuno ezicacileyo zendlela idatha yeziko emazifikelelwe ngayo, isetyenziswe, kwaye ikhuselwe. Ezi mfuno zisebenza kuwo wonke umntu oqeqeshelwe ngetyala otsala iingxelo kwa-Experian, TransUnion, Datanamix, XDS, okanye Compuscan. Uthotyelo alukhethi - ukunyhashwa kunokubangela ilahleko yokufikelela kwi-bureau, ethintela ngokusebenzayo iifemu ekusebenzeni kwishishini letyala.
IKhowudi isebenza kunye noMthetho weSizwe weTyala kunye nePOPIA, idala isakhelo esibanzi solawulo lwedatha yetyala. Ukuqonda ukuba ezi zicwangciso zihlangana njani kunceda abaqeqeshi bekhredithi ukuba bakhe iindlela zokuthobela ezihlangeneyo ezixhasa zonke iimfuno ngaxeshanye. Xa utsalo ngalunye lweziko lufanelekile, lonke ufikelelo lufakiwe, kwaye yonke imilinganiselo yokhuseleko iyabonakaliswa, ukuthotyelwa kuya kusebenza endaweni yolawulo.
Dibana no ukubhukisha idemo kwaye ubone indlela yofikelelo lwedata ecwangcisiweyo, ukuloga ngenjongo evumelekileyo, kunye nolawulo olusekelwe kwiindima ezixhasa izibophelelo zakho zokuthobela i-CBA.