Imvume yePOPIA yokuTshwa kweTyala

Ukutsala ingxelo yetyala ngaphandle kwemvume esebenzayo yenye yeendlela ezikhawulezayo zokwaphula iPOPIA kunye nokutsala ingqalelo yolawulo. Abacebisi ngamatyala, abanikezeli bekhredithi, kunye nabathengi bamatyala bonke baxhomekeke kwidatha ye-bureau evela kwi-Experian, Datanamix, TransUnion, kunye namanye amaziko - kwaye yonke into kufuneka ixhaswe ngokusemthethweni. Kuninzi lwetshekhi zekhredithi eMzantsi Afrika, oko kuthetha ukuba imvume ye-POPIA yokutshekisha ikhredithi izibophelelo kufuneka zifezekiswe: umboleki kufuneka abe uvumelene ngendlela ngokuzithandela, ecacileyo, kunye nokwaziswa. Nangona kunjalo iifemu ezininzi zisebenzisa ulwimi lwemvume engacacanga, imvume yebhanti kunye neminye imiqathango, okanye ziyasilela ukurekhoda ukuba ifunyenwe nini kwaye njani imvume. Xa i-Information Regulator okanye i-NCR icela ubungqina, iirekhodi zemvume ezilahlekileyo okanye ezinganelanga zidala umngcipheko omkhulu.

Esi sikhokelo sichaza oko kuqulathwe yimvume esebenzayo yokutshekishwa kwetyala phantsi kwePOPIA, ukuba ifomu yakho yemvume kufuneka iqulathe ntoni, imvume ihlala isebenza ixesha elingakanani, kunye nendlela yokugcina iingxelo ezisindayo xa kuphicothwa. Ibhalelwe nabani na otsala idatha ye-bureau - nokuba kuvavanyo lokufikeleleka, uphononongo lwamatyala, ukufaneleka kwangaphambili, okanye ukubekwa kweliso okuqhubekayo. Ngomfanekiso obanzi wokuthobela, bona i- Isikhokelo sokuthotyelwa kweNational Credit Act.

Kutheni i-POPIA imvume yokuTshekwa kweTyala ibalulekile

UMthetho woKhuseleko lweNgcaciso yoMntu (uMthetho 4 ka-2013) ufuna ukuba iinkcukacha zobuqu ziqwalaselwe ngokusemthethweni. Idatha ye-Credit bureau - iimbali zentlawulo, uluhlu olubi, iinkcukacha zesazisi, kunye nokuziphatha kwemali - lulwazi lomntu. Ukufikelela kuyo ngaphandle kwesiseko esisemthethweni kukwaphulwa kwePOPIA. Iziphumo zezokwenene: i-Information Regulator inokuwisa izohlwayo zolawulo ezifikelela kwi-R10 million, kwaye amatyala anzima anokukhokelela ekubeni avalelwe ukuya kutsho kwiminyaka eli-10. Ngaphaya kwezohlwayo, iifemu ezaphula iPOPIA zisemngciphekweni wokuphulukana nokufikelela kwiziko phantsi kwezivumelwano zababhalisi, amabango oluntu avela kwizifundo zedatha, kunye nomonakalo ongapheliyo kwisidima. Ukuze ufumane isishwankathelo esipheleleyo sezibophelelo zePOPIA xa uphethe idatha yekhredithi, bona I-POPIA yokuthotyelwa kwedatha yekhredithi.

Imvume yenye yeziseko ezininzi ezisemthethweni zokuqhubekeka. Xa ufumana imvume efanelekileyo phambi kokuba utsale ingxelo yekhredithi, useka isiseko esicacileyo somthetho. Xa imvume ingekho, ingacacanga, okanye irekhodwe ngokungafanelekanga, lonke utsalo lwe-bureau luba lulwaphulo olunokubakho. Abachwephesha bamatyala abaphatha imvume njengebhokisi yophawu lokukorekisha bafumanise sele kusemva kwexesha ukuba iifomu zabo azifikeleli kwiimfuno zePOPIA okanye abanakuvelisa ubungqina bemvume xa beceliwe.

Yintoni Ebandakanya Imvume Esemthethweni Phantsi kwePOPIA

I-POPIA ayichazi imvume kwigatya elinye, kodwa iimeko zokusetyenzwa ngokusemthethweni kunye nesikhokelo esivela kuMlawuli woLwazi zenza ukuba iimfuno zicace. Imvume esebenzayo yokutshekishwa kwekhredithi mayibe ngu-** ngokuzithandela**, ethe ngqo, kwaye yaziswe.

Ngokuzithandela kuthetha ukuba isihloko sedatha asinyanzeliswanga okanye sinyanzeliswe ngokungafanelekanga. Imvume ayinakuba yimeko yenkonzo enganxulumananga nokusetyenzwa - umzekelo, ukufuna imvume yokuthengisa ukuze ufake isicelo setyala kusenokuba yingxaki ukuba ezi zimbini zidityanisiwe. Ukutshekisha ngetyala, imvume idla ngokuba yimeko ethe ngqo yesicelo, eyamkelekileyo kuba itshekhi iyimfuneko kwinkonzo. Into ephambili kukuba umthengi wayenokukhetha ngokwenene kwaye akazange alahlekiswe.

Specific ithetha imvume inxulumene nenjongo echazwe ngokucacileyo. Imvume ngokubanzi “yokuqhubekekisa ulwazi lwam lobuqu” akwanelanga. Imvume kufuneka ichaze ukuba ingxelo yekhredithi iza kufunyanwa, ngeyiphi injongo (umzekelo, uvavanyo lokufikeleleka, uphononongo lwetyala, ukufaneleka kwangaphambili), kwaye ngokufanelekileyo ukuba yeyiphi i-bureaux okanye iintlobo zedatha ye-bureau eza kusetyenziswa. Ukuchaneka kunqanda ukutyhutyha komda kwaye ixhasa imeko yonyino lokusetyenzwa phantsi kwePOPIA.

Ukwaziswa kuthetha ukuba isihloko sedatha siyiqonda into ebesivumelana nayo. Kufuneka bazi ukuba iinkcukacha zabo zekhredithi ziya kufumaneka, ngubani oza kufikelela kuzo (ifemu yakho kunye, apho kufanelekileyo, i-bureaux), kunye nendlela eza kusetyenziswa ngayo. Imvume engcwatyiweyo ngokwemiqathango nemiqathango ende, okanye ulwimi olungacacanga okanye olusemthethweni, lujongela phantsi imvume enolwazi. Ulwimi olucacileyo kunye necandelo lemvume elizinikeleyo liphucula ukuthotyelwa kunye nokukhusela.

Imvume mayibhalwe ibhalwe. Ukuba awukwazi ukubonisa ukuba imvume yanikelwa nini, njani, kwaye yeyiphi injongo, awukwazi ukubonisa inkqubo esemthethweni. Ukugcinwa kweerekhodi akunyanzelekanga.

Imvume ye-NCA kunye ne-POPIA — Indlela Ezidibana ngayo kwaye Zahluke Njani

I-National Credit Act kunye nePOPIA zisebenza kunye. I-NCA ayithathi ndawo imfuno yokusetyenzwa ngokusemthethweni phantsi kwePOPIA; inokuthi, kwezinye iimeko, ibonelele ngesiseko esongezelelweyo okanye eyongezelelweyo.

ICandelo lama-81 le-NCA lifuna ukuba abaniki-nkonzo yeentengo zemboleko benze uhlolo lokufikeleleka phambi kokuba kwandiswe ityala. Olo vavanyo lufuna idatha ye-credit bureau. Ngoko ke i-NCA idala imfanelo esemthethweni yokusebenzisa idatha yekhredithi kuloo njongo. Phantsi kwePOPIA, ukusetyenzwa okuyimfuneko ukuze kuthotyelwe isibophelelo somthetho kunokuba sisiseko esisemthethweni nangaphandle kwemvume. Oko akuthethi ukuba imvume ayinamsebenzi. Ngokwesiqhelo, abaniki-nkonzo yeentengo zemboleko kunye nabacebisi bamatyala basafumana imvume kuba: yenza injongo icace kumthengi, yonelisa izivumelwano ezininzi zababhalisi beziko, kwaye ihambelana neNdlela yokuziPhatha ye-CBA kunye nokulindelweyo elubala. Ukuthembela kuphela “kwisibophelelo somthetho” ngaphandle kokwazisa umthengi okanye imvume yokurekhoda kunokukushiya ubhengeziwe ukuba injongo iyacelwa okanye ukuba usebenzisa idatha kuyo nantoni na engaphaya kwenjongo engqongqo ye-NCA.

Ngemisebenzi engafunwa ngokungqongqo yi-NCA - efana ne-pre-qualification phambi kwesicelo esisemthethweni, ukubeka iliso kwi-akhawunti eqhubekayo ngaphaya kovavanyo lokuqala, okanye ukwabelana ngedatha ye-bureau kunye namaqela esithathu - imvume okanye esinye isiseko esisemthethweni siyafuneka. I LINK_0_ kunye Iimfuno zokugcina iirekhodi zeNCA zibeka ukuba uvavanyo kunye nezibophelelo zogcino zingena njani kwisakhelo esibanzi.

Kufuneka iqulathe iFomu yeMvume yokuKhangela ngetyala

Ifomu yemvume okanye igatya lemvume elisetyenziselwa ukutshekishwa kwamatyala kufuneka libandakanye ezi zinto zilandelayo. Ukuziyeka kwandisa umngcipheko wokuba imvume iya kufunyanwa ingekho mthethweni okanye awukwazi ukubonisa imvume esebenzayo.

Injongo yokutshekisha ngetyala

Chaza ngokucacileyo ukuba kutheni ifunyenwe ingxelo yetyala: umzekelo, “ukuvavanya ukufikeleleka kwakho kwimveliso yekhredithi oyenze isicelo sayo,” “ukuvavanya ukuba netyala kwakho ngokugqithisileyo njengenxalenye yophononongo lwamatyala,” okanye “ukulungiselela kwangaphambili ukuba ufumane izibonelelo zekhredithi.” Amagama angacacanga afana nelithi “ngeenjongo zoshishino” okanye “ukusetyenzwa kwesicelo sakho” akonelanga.

Ngawaphi amaziko aya kubuzwa

Xela amaziko okuthenga ngetyala owasebenzisayo, okanye uchaze ukuba unokubuza kwiziko elibhalisiweyo lamatyala (umz. Experian, TransUnion, Datanamix, XDS, Compuscan). Oku kuxhasa imvume enolwazi kwaye ihambelana nezibophelelo zababhalisi. Ngolwazi oluthe kratya malunga nokuba i-bureaux yahluka njani kwaye ungasebenzisa nini ngaphezu kwesinye, bona Uthelekiso lwe-credit bureau eMzantsi Afrika.

Yeyiphi idatha eya kufunyanwa

Cacisa ukuba ingxelo ingabandakanya ulwazi lwesazisi, imbali yentlawulo, izibophelelo zekhredithi esele zikhona, uluhlu olubi, kunye nedatha ehambelanayo. Awudingi ukudwelisa yonke indawo, kodwa umthengi kufuneka aqonde uhlobo kunye novakalelo lolwazi.

Uya kuyigcina ixesha elingakanani idatha

Cacisa ixesha lokugcinwa okanye uya kugcina idatha ngokuhambelana neemfuno zomthetho nezolawulo (kwaye uchaze ukuba ziphi na ezo, okanye apho umthengi angazifumana khona). Oku kuxhasa imeko yePOPIA yokuba idatha ingagcinwa ixesha elide kunemfuneko kwaye inceda ukubeka okulindelekileyo.

Amalungelo esihloko sedatha

Yazisa umthengi ngamalungelo abo phantsi kwePOPIA: ilungelo lokufikelela kulwazi lwakhe lobuqu, ilungelo lokulungisa iinkcukacha ezingachanekanga, ilungelo lokuchasa ukusetyenzwa phantsi kweemeko ezithile, kunye nelungelo lokufaka isikhalazo kuMlawuli woLwazi. Ingxelo emfutshane, ecacileyo kunye nomfowunelwa (umzekelo, igosa lakho lolwazi okanye i-imeyile ekhethiweyo) yanele.

Ukuzikhethela kodwa kuyacetyiswa: qinisekisa ukuba imvume inokurhoxiswa (kwaye uchaze naziphi na iziphumo, ezinjengokungakwazi ukuqhubeka nesicelo okanye inkonzo) kwaye umthengi unokucela ikopi yengxelo yakhe kwiziko. Kwisikhokelo esijongene nomxhasi, ungabhekisa ku- ifundwa njani ingxelo yetyala eMzantsi Afrika.

Ihlala Ixesha Elingakanani Imvume?

I-POPIA ayimiseli “ukuphelelwa lixesha” okusisigxina kwemvume. Imvume ihlala isebenza de irhoxiswe okanye de injongo ebinikwe yona ifezekiswe kwaye awusenaso isiseko sokugcina okanye sokusebenzisa idatha. Enyanisweni, oku kuthetha:

Isicelo setyala esinye: Imvume yovavanyo olunye ikholisa ukusebenza kweso sicelo kuphela. Ukuba umthengi uphinde enze isicelo emva kwexesha, okanye utsala ingxelo entsha yesicelo esinye emva kokulibaziseka, qinisekisa ukuba imvume yakho yamagama igubungela oko (umzekelo, “yasesi sicelo kunye naluphi na uvavanyo kwakhona ngexesha lokusetyenzwa kwaso”) okanye ufumane imvume entsha.
Ukubeka iliso okuqhubekayo: Ukuba utsala idatha ye-bureau ngamaxesha athile kulawulo lwe-akhawunti okanye ukubeka iliso kumngcipheko, imvume kufuneka ikhusele ngokuthe gca iitshekhi eziqhubekayo kunye nezihlandlo okanye izinto ezibangela (umzekelo “sinokufumana iingxelo zekhredithi kumaxesha ngamaxesha ngelixa i-akhawunti yakho isebenza”). Ukuxhomekeka kwimvume yesicelo sokuqala iminyaka yokubeka iliso ngaphandle kwamagama acacileyo kudala umngcipheko.
Uphononongo lwetyala: Imvume efunyenwe ekuqaleni kohlaziyo lwetyala kufuneka ichaze ngokucacileyo ukuba iingxelo ze-bureau zinokufunyanwa ngexesha lenkqubo kunye neenjongo ezinxulumeneyo (umzekelo, ukulungiselela izindululo, ukuhlaziya uhlolo). Ukuba inkqubo ithatha ixesha elide, qinisekisa ukuba ifomu yakho igubungela umjikelo opheleleyo wobomi okanye ufumane imvume ehlaziyiweyo ukuba umda uyatshintsha.
Isiqinisekiso sangaphambili: Imvume yokutshekishwa kwangaphambili kufuneka iphelele kuloo njongo. Ukusebenzisa ingxelo efanayo okanye imvume yesicelo esisemthethweni inokwamkeleka ukuba ifom ichaze ukuba ulwazi lungasetyenziselwa isicelo esilandelayo kunye nababoneleli abafanayo okanye ababiziweyo; kungenjalo, fumana imvume entsha kwinqanaba lesicelo.

Xa ungathandabuzi, fumana imvume ebotshelelwe ngokucacileyo kwinjongo ethile kunye nobude bexesha lokusetyenzwa. Ukuba injongo okanye umda uyatshintsha, funa imvume entsha okanye ubhale esinye isiseko esisemthethweni.

Imvume yeemeko ezahlukeneyo

Isicelo sokuqala setyala

Eyona meko ixhaphakileyo. Umboleki ufaka isicelo sentengo yemboleko; udinga ingxelo ye-bureau yokuhlola ukufikeleleka. Imvume kufuneka ifunyanwe kwindawo okanye phambi kwendawo yesicelo, kugqunywe kwiziko olisebenzisayo, kwaye uchaze ukuba ingxelo iya kusetyenziselwa uvavanyo lokufikeleleka kunye nezigqibo zetyala. Kufuneka iboniswe ngokucacileyo (umzekelo, ibhokisi yophawu lokukorekisha okanye utyikityo) kwaye igcinwe kunye nesicelo.

Ukubeka iliso okuqhubekayo

Abanye abaniki-nkonzo zeentengo zemboleko kunye nabaphathi beepotfoliyo batsala idatha ye-bureau rhoqo ukujonga abathengi abakhoyo. Imvume yale nto kufuneka icace kwaye ihluke kwimvume yesicelo sokuqala ngaphandle kokuba ifom yokuqala ichazwe ngokucacileyo ukuba unokufumana iingxelo ngexesha lobomi bobudlelwane. Chaza ukuba kangaphi okanye phantsi kweziphi iimeko oza kutsala (umzekelo, ngonyaka, okanye xa uphonononga imida) kwaye ugcine ubungqina bemvume.

Uphononongo lwetyala

Abacebisi bamatyala bafuna iingxelo ze-bureau ukuze bahlole ukutshona kakhulu kwamatyala kunye nokulungiselela nokuhlaziya izindululo. Imvume kufuneka ifunyanwe ekuqaleni kwenkqubo kwaye kufuneka ichaze ukuba iingxelo zinokufunyanwa kwelinye okanye ngaphezulu kwiziko ngenjongo yokuphonononga amatyala kunye nonxibelelwano olunxulumeneyo nabanikezeli bekhredithi. Imvume yekhonkco kwifayile yetyala kwaye uyigcine ngexesha elinye nezinye Ukugcinwa kweerekhodi zeNCA kunye umkhondo wophicotho iimfuno.

Isiqinisekiso sangaphambili

Abarhwebi kunye nababolekisi ngamanye amaxesha baqhuba “i-soft” okanye i-pre-qualification check phambi kokuba kufakwe isicelo esipheleleyo. Imvume kufuneka ichaze ukuba ingxelo yekhredithi inokufumaneka kwi-pre-qualification kwaye icacise ukuba ingxelo efanayo okanye idatha ingasetyenziselwa isicelo esisemthethweni esilandelayo. Ukuba isiqinisekiso sangaphambili sineziko elahlukileyo kunomboleki wokugqibela, qinisekisa ukuba imvume igubungela ukwabelana nombolekisi okanye ufumane imvume kwakhona kwisicelo.

Ukugcinwa-Ukugcinwa kweMvume

Kufuneka ube nakho ukubonisa *ukuba *imvume inikwe, nini, kwaye ngayiphi injongo. Oko kuthetha ukugcina ifomu yemvume okanye imvume yokubamba (umzekelo, ifom esayiniweyo, imvume ye-elektroniki efakwe isitampu sexesha, okanye irekhodi yesicelo equka igatya lemvume) ngendlela eyinxulumanisa kumthengi othile kunye ne-bureau ethile yokutsala okanye uvavanyo.

Eyona ndlela ilungileyo kukudibanisa imvume kwifayile efanayo nengxelo yetyala kunye nesigqibo. Xa i-NCR okanye i-Information Regulator icela ubungqina bokusebenza ngokusemthethweni, kufuneka ukwazi ukuphinda ufumane imvume kunye nengxelo kunye nesigqibo esihambelanayo kwindawo enye. Iinkqubo ezigcina iindlela zophicotho lwetyala kunye Ukugcinwa kwerekhodi okuhambelana ne-NCA zixhasa oku ngokugcina imvumelwano yedata ecaleni kwengxelo kunye novavanyo. Amaxesha okugcinwa kweerekhodi zemvume kufuneka ahambelane nokuba ugcina ixesha elingakanani ingxelo yetyala enxulumeneyo kunye nedatha yovavanyo.

Indlela yokuziphatha kunye neMvume yeCBA

I-Credit Bereau Association Code of Conduct ibophelela ii-ofisi kunye nababhalisi bazo. Ifuna ukuba idatha yeziko ifumaneke kuphela ngeenjongo ezivumelekileyo kwaye ababhalisi bathobele umthetho osebenzayo, kubandakanywa iPOPIA. IKhowudi iyayibethelela into yokuba utsalo ngalunye lweziko kufuneka lube nenjongo esemthethweni, ebhaliweyo. Imvume esebenzayo yenye yeendlela zokumisela loo njongo kunye nokubonisa iziko (kunye ne-CBA) ukuba usebenzisa idatha ngokusemthethweni. Ngolwazi oluthe kratya malunga neemfanelo zomrhumo kunye nenjongo evumelekileyo, bona i- IKhowudi yokuZiphatha ye-CBA yabasebenzisi bedata kwiziko lamatyala.

Iintsilelo zeMvume eqhelekileyo kunye nendlela yokuZiphepha

Imvume engacacanga okanye eqhelekileyo: Ulwimi olufana noluthi “ndiyavumelana nemiqathango” okanye “ndiyavuma ukusetyenzwa kolwazi lwam” aluchazi utsheki lwekhredithi okanye injongo yalo. Sebenzisa amagama acacileyo abhekiselele kwiingxelo zetyala, iiofisi kunye nenjongo.

Imvume ehlanganisiweyo: Imvume yokutshekishwa kwekhredithi mayingaqhaganiswa neemeko ezinganxulumananga (umz. “Ndiyavuma ukufumana ukuthengiswa kunye nokutshekishwa kwamatyala”). Ukwahlula imvume yokutshekisha ngetyala, okanye wenze imvume yokutshekisha ngetyala yahluke ngokucacileyo kwaye ayixhomekekanga kwimvume yokuthengisa.

Iirekhodi ezingekhoyo: Ukuba awukwazi ukuvelisa ifomu yemvume okanye irekhodi ethembekileyo yemvume ngexesha lokutsalwa, awukwazi ukungqina ukusetyenzwa ngokusemthethweni. Ukuphumeza inkqubo yokubamba kunye nokugcina imvume kunye nesicelo okanye ifayile yetyala kwaye esinda kubasebenzi kunye neenguqu zenkqubo.

Iphelelwe lixesha okanye imvume engaphandle komda: Ukusebenzisa imvume yenjongo okanye ubude bexesha obungachazwanga (umzekelo, ukutsala ingxelo kwiminyaka kamva yemveliso entsha xa imvume yokuqala ibiyeyesicelo esinye) kudala umngcipheko. Lungelelanisa amagama emvume kunye nosetyenziso lokwenene, kwaye ufumane imvume entsha xa injongo okanye ububanzi buguquka.

Akukho lwazi malunga namalungelo okanye ukugcinwa: Ukusilela ukuxelela umthengi ngamalungelo abo e-POPIA okanye ukuba ugcina ixesha elingakanani idatha kwenza buthathaka ukungafihli kwaye kunokuphakanyiswa kwisikhalazo. Bandakanya amalungelo amafutshane kunye nengxelo yokugcina ngaphakathi okanye ecaleni kwemvume.

Iingcebiso eziSebenzayo zeMvume eThotyelwayo

Sebenzisa icandelo lemvume enikezelweyo ukukhangela ikhredithi kwiifomu zesicelo okanye ngokwemiqathango, ngolwimi olulula, kunye nebhokisi yokuphawula ecacileyo okanye utyikityo.
Chaza injongo kunye namaziko (okanye udidi lwamaziko) kwisicatshulwa semvume.
**Bandakanya ukugcinwa kunye namalungelo esihloko sedatha ** kwisaziso sakho sabucala okanye kwifomu yemvume kwaye uyigcine ihlaziywa.
**Gcina imvume kunye nesicelo okanye imeko ** kwaye uyidibanise ne-bureau yokutsala kunye novavanyo kwindlela yakho yophicotho.
**Jonga kwakhona amagama emvume ** xa usongeza i-bureau entsha, imveliso, okanye imeko yokusetyenziswa (umzekelo, ukufaneleka kwangaphambili, ukubeka iliso).
Abasebenzi bakaloliwe ukuze kungabikho mntu utsala ingxelo ngaphandle kokuqinisekisa ukuba imvume esemthethweni ikwifayile. Qinisekisa Ukubhaliswa kwe-NCR kunye nezibophelelo eziqhubekayo zihlangatyeziwe ukuze umbutho wakho ugunyaziswe ukuqhuba imisebenzi ofumene imvume yayo.

Khusela ukuziqhelanisa kwakho nemvume efanelekileyo

Imvume yePOPIA esebenzayo yokutshekishwa kwamatyala eMzantsi Afrika sisiseko sosetyenziso olusemthethweni lweziko. Ukufumana ifomu ngokufanelekileyo kunye nokugcina iirekhodi ezingqina imvume kuya kukhusela inkampani yakho kuphicotho-zincwadi kunye nezikhalazo.

Jonga ukuba uvavanyo lwetyala olucwangcisiweyo kunye namaxwebhu emvume anokuxhasa njani ukuhamba kwakho kokuthotyelwa