Uzifunda njani iiNgxelo zeTyala eMzantsi Afrika

Iingxelo zetyala zisisiseko somsebenzi wetyala wobungcali eMzantsi Afrika. Abacebisi kumatyala emboleko, abathengisi bamatyala, kunye nabaniki-nkonzo yeentengo zemboleko baxhomekeke kubo ukuze bavavanye ukufikeleleka kwabo phantsi kweNational Credit Act, kwiziphakamiso zokuphonononga amatyala, kunye nezigqibo zokuboleka imali. UMzantsi Afrika usebenzisa i-multi-bureau landscape: amaziko amaninzi okuthenga ngetyala abhalisiweyo abambe kwaye anike ingxelo ngedatha yabathengi, kwaye abasebenzi bafuna ukutsala kwaye batolike iingxelo ezivela kwimithombo emininzi. Esi sikhokelo sichaza indlela yokufunda ingxelo yetyala kwimeko yobungcali, ukuba i-bureau nganye ibonelela ngantoni, ngawaphi amacandelo abalulekileyo ekuhlalutyweni, kunye nendlela yokuhamba ukusuka kwiiPDF ezingatshintshiyo ukuya kuvavanyo olulungelelanisiweyo, oluphindaphindwayo.

Indima yeeNgxelo zeTyala kubuNgcali bokuSebenza

Iingxelo zekhredithi ayizoncedo nje kubasebenzi; ziyimfuneko yolawulo nesebenzayo. I-National Credit Act (NCA) ifuna ukuba ikhredithi yandiswe kuphela emva kovavanyo lokufikeleleka. Olo vavanyo luxhomekeke kulwazi oluchanekileyo, lwangoku malunga nezibophelelo ezikhoyo zomthengi, indlela yokuhlawula, kunye namandla. Iingxelo zetyala ezisuka kumaziko abhalisiweyo zibonelela ngedatha engundoqo yolo vavanyo. Ngamagalelo afunekayo kwizicelo zokuphononongwa kwetyala, kuhlolo lwee-broker xa ethelekisa abathengi neemveliso, kunye nakubaniki-nkonzo yeentengo zemboleko xa besenza isigqibo sokuba banike okanye bayala na ikhredithi.

I-National Credit Regulator (NCR) yongamela ukubhaliswa nokuziphatha kwamaziko amatyala eMzantsi Afrika. I-Bureox kufuneka ithobele iimfuno ze-NCR kunye noMthetho woKhuseleko loLwazi loBuqu (POPIA) xa uphethe iinkcukacha zabathengi.Abasebenzi abasebenzisa idatha ye-bureau kulindeleke ukuba bayisebenzise ngokufanelekileyo, ngokungaguquguqukiyo, kwaye ngokuhambelana nemigaqo-nkqubo yabo kunye nokulindelweyo ngolawulo. Kukho umahluko ocacileyo phakathi komthengi ojonga ingxelo yakhe yokwazisa kunye nengcali ehlalutya ingxelo ukuxhasa isigqibo setyala, isindululo sohlengahlengiso lwetyala, okanye isindululo somthengisi. Le yokugqibela ifuna indlela ecwangcisiweyo, ebhaliweyo kunye nokuqonda icandelo ngalinye lengxelo, hayi nje amanqaku okanye iskena esikhawulezayo.

IQumrhu lezamaTyala laseMzantsi Afrika

UMzantsi Afrika awunalo nalinye iziko lamatyala lesizwe. I-NCR ibhalisa amaziko amaninzi, kwaye iSouth African Credit Bureau Association (SACRRA) iququzelela ukwabelana ngedatha nemigangatho kulo lonke ushishino. Iziko ngalinye ligcina ugcino-lwazi lwalo, imifuziselo yamanqaku, kunye noyilo lwengxelo. Ababoneleli ngeenkcukacha banika ingxelo kwi-bureaux phantsi kwesivumelwano, ngoko ke akukho ziko lilodwa liphethe iakhawunti nganye okanye wonke umbolekisi. Iingcali zekhredithi zihlala zisebenza kunye namaziko amaninzi kwaye kufuneka baqonde ukuba yintoni eyenza ngalinye lahluke. Ukubona icala necala lokuba zahluka njani, bona i-Uthelekiso lweziko lamatyala eMzantsi Afrika inqaku lethu. Oku kulandelayo sisishwankathelo esifutshane se-bureau enkulu nganye; nganye inesikhokelo esizinikeleyo sohlalutyo olunzulu.

Umphengululi

I-Experian isebenza kwihlabathi jikelele naseMzantsi Afrika njengenye yee-arhente ezinkulu zokunika ingxelo ngetyala. Iingxelo zayo zaseMzantsi Afrika zibonelela ngedatha ebanzi yomgca worhwebo kwaye ziyinxalenye yegalelo eliqhelekileyo kubaboneleli beentengo zemboleko kunye nabarhwebi abamiselweyo. Umxholo weNgxelo uquka ii-akhawunti ezivulekileyo nezivaliweyo, iintambo zeprofayili yentlawulo, izigwebo, ukungagqibeki, imibuzo, kunye nomngciphekoizalathisi. Ukufumana ucazululo olupheleleyo lwamacandelo engxelo kunye nendlela yokuwahlalutya, bona i-Ingxelo yamatyala anolwazi eMzantsi Afrika isikhokhelo sethu.

TransUnion

ITransUnion lelinye i-ofisi enkulu yehlabathi enobukho obuqinileyo eMzantsi Afrika. Iingxelo zayo zibandakanya izinto ezingundoqo ezifanayo-ii-akhawunti, ukuziphatha kwentlawulo, uluhlu olubi, imibuzo, kunye namanqaku-kodwa uyilo kunye nokunikezelwa kwedatha kuyahluka kwi-Experian. Abasebenzi abatsala zombini i-Experian kunye neTransUnion bahlala befumanisa ukuba idatha inokwahluka kumthengi omnye, kuba ayizizo zonke iifenishari ezibika kuzo zombini. LINK_2_ Isikhokelo sethu sibandakanya ubume bengxelo kunye notoliko ngokweenkcukacha.

Datanamix

I-Datanamix ngumboneleli wedatha ophambili waseMzantsi Afrika ogxile kakhulu ekufikeleleni kunye nedatha engenye. Iingxelo zayo zibandakanya amacandelo e-bureau asemgangathweni kodwa igxininisa izalathisi zokufikeleleka kunye nedatha enxulumene namandla, ehambelana kakuhle neemfuno zokufikeleleka kweNCA kunye nokuhamba komsebenzi wokucebisa amatyala. Ukufumana iinkcukacha ezithe vetshe malunga neengxelo zeDatanamix kunye nendlela yokuzisebenzisa, bona i-Uhlalutyo lwengxelo yetyala leDatanamix isikhokelo sethu.

XDS

I-XDS ibonelela ngamacandelo awohlukileyo aquka ukubolekwa kwemali encinci kunye nokuthengisa ngetyala. Idatha yayo kunye nefomathi yengxelo inokwahluka kwi-bureaux enkulu yabathengi, kodwa imigaqo efanayo yokufunda okucwangcisiweyo kunye nokutolika okungaguqukiyo kusebenza. Abasebenzi abasebenza kwimboleko yexesha elifutshane okanye ngetyala lokuthengisa bahlala bedibana neengxelo ze-XDS ecaleni kwe-Experian okanye iTransUnion. LINK_4_ Isikhokelo sethu sichaza umxholo wengxelo kunye nohlalutyo.

ICompuscan

ICompuscan ibonelela ngetyala kunye nedatha ehambelanayo kubabolekisi kunye nabanye ababhalisi. Njenge-XDS, yinxalenye ye-bureau ebanziimbonakalo-mhlaba apho iingcali zekhredithi zinokufuna ukuyitolika xa zitsala kwimithombo emininzi. Ngolwakhiwo lwengxelo kunye nendlela yokufunda imveliso yeCompuscan, bona i-Ingxelo yetyala leCompucan eMzantsi Afrika isikhokhelo sethu. Xa urhola ukutsalwa kwiiofisi ezingaphezulu kwesinye, indlela ingxelo yekhredithi yamaziko amaninzi eMzantsi Afrika ibalulekile ukuze idatha esuka kwimithombo eyahlukeneyo ithelekiswe kwaye ibe yesiqhelo.

Amacandelo angundoqo eNgxelo yeTyala

Nokuba leliphi na iziko elinike ingxelo, ingxelo nganye yekhredithi eMzantsi Afrika iqulethe iseti yamacandelo angundoqo. Ukuqonda icandelo ngalinye kubalulekile kuhlalutyo lobungcali.

Isazisi somthengi kunye nedatha yokuqinisekisa

Ingxelo iqala ngokuchongwa komthengi: igama, inombolo yesazisi, kwaye ihlala idilesi imbali. Eli candelo lisetyenziselwa ukuqinisekisa ukuba ingxelo yeyomntu ochanekileyo kunye nokuxhasa ukuhlolwa kwesazisi okufunekayo phantsi kweendlela zokuchasa ukuthutyeleziswa kwemali kunye nokwazi-umthengi wakho. Ukwahluka kwamagama okanye iidilesi kuzo zonke iingxelo okanye ngokuchasene nedatha yesicelo kufuneka kuqatshelwe kwaye, apho kufanelekileyo, kucaciswe kunye nomthengi.

Iiakhawunti zetyala kunye nezibonelelo

Intliziyo yengxelo luluhlu lweeakhawunti zetyala kunye nezibonelelo. Oku kuquka ikhredithi ejikelezayo (umzekelo, amakhadi okuthenga ngetyala, amakhadi evenkile), izivumelwano zezavenge (imali-mboleko yobuqu, imali yemoto), iimali zokubambisa (imali-mboleko yendlu), kunye nezinye izinto. Kwi-akhawunti nganye, ingxelo ibonisa igama lombolekisi, uhlobo lwe-akhawunti, umhla wokuvula, ibhalansi yangoku, umda wetyala okanye inani lokuqala, kunye nesimo se-akhawunti. Ukwahlula okuvulelekileyo kwii-akhawunti ezivaliweyo kubalulekile xa kubalwa utyhileko olupheleleyo kunye nomlinganiselo wetyala-kwingeniso yokufikeleleka.Iintlobo zeakhawunti nazo zibalulekile: imali mboleko yendlu ichaphazela umthamo ngokwahlukileyo kwikhadi levenkile, kwaye abacebisi ngamatyala bafuna umfanekiso ocacileyo wazo zonke izibophelelo xa kusakhiwa isindululo sohlengahlengiso.

Iiprofayile zentlawulo kunye nembali yokuziphatha

Imbali yentlawulo iboniswe ngokwemitya yeprofayile yentlawulo esemgangathweni. Isikhundla ngasinye kumtya ngokuqhelekileyo simele inyanga, kwaye iikhowudi zamanani zibonisa isimo sentlawulo yaloo nyanga. Utoliko olusemgangathweni ngu: 0 lithetha langoku okanye langoku; I-1 ithetha inyanga enye esemva; I-2 ithetha iinyanga ezimbini ngasemva; Isi-3 nangaphezulu zibonisa amatyala angaphaya. Ezi khowudi zisetyenziswa ngokubanzi kuwo onke amaziko aseMzantsi Afrika, nangona unikezelo oluchanekileyo lunokwahluka. Ukuhlalutya umtya kutyhila iipatheni: ukuqhutywa kwamva nje kwee-zeros emva kwexesha lokungahlawulwa kwemali kuphakamisa ukuphuculwa; phindaphinda i-2 okanye i-3s isibonakaliso esiqhubekayo sokubandezeleka. Kuvavanyo lobuchwephesha, umtya opheleleyo ubaluleke ngaphezu kwesnapshot enye, kuba ubonisa intsingiselo kunye nokuziphatha ngokuhamba kwexesha.

Iyonke ukutyhileka kunye neebhalansi

Iingxelo zidla ngokushwankathela okanye zivumela ukufunyanwa kokutyhileka okupheleleyo: isixa seebhalansi kuzo zonke iindawo ezivulekileyo. Ezinye iingxelo zibandakanya iitotali eziphantsi ngohlobo lwemveliso okanye itotali enye. Eli nani lingena ngqo kubalo lokufikeleleka nakwizindululo zophononongo lwamatyala. Ibhalansi kufuneka ifundwe kunye nemida (yezibonelelo ezijikelezayo) kunye nokuziphatha kwentlawulo: ibhalansi ephezulu enembali yeentlawulo zangexesha ayifani nebhalansi ephezulu kunye namatyala aphindaphindiweyo.

Izigwebo, ukungagqibeki, kunye noluhlu olubi

Uluhlu olubi lunefuthe elithe ngqo ekukufanelekeleni ukuba netyala kunye nakuninzi lokuboleka imalikunye nezigqibo zokuhlengahlengisa. Isigwebo ngumyalelo wenkundla, odla ngokuba setyala; ivela kwingxelo eneenkcukacha zenkundla, umhla kunye nesixa. Ukungahlawulisi simo esisemthethweni sokusilela esirekhodiweyo ngumbolekisi xa umboleki esilele ukuhlangabezana nesivumelwano. Zombini zihlala kwingxelo ngamaxesha amiselweyo phantsi kweNCA kunye nokusebenza kwamaziko. Ii-odolo zolawulo kunye namanye amalungiselelo asemthethweni zinokuvela nazo. Iingcali kufuneka zichonge zonke izigwebo kunye nokusilela, zibhale imihla kunye nezixa-mali, kwaye ziziqwalasele xa zivavanya umngcipheko kwaye xa zichaza iziphumo kubathengi okanye kubaphicothi-zincwadi. Ukuphoswa kwamangeno angalunganga xa uskena iPDF yimpazamo eqhelekileyo kunye nebi kakhulu.

Imbali yophando

Ingxelo idwelisa ukuba ngubani ofikelele kwifayile yekhredithi yomboleki kwaye nini. Imibuzo isoloko ihlelwa njengenzima (umzekelo, izicelo zentengo yemboleko, ezinokuchaphazela amanqaku kunye nophawu olunenjongo yokuthatha amatyala amaninzi) okanye ezithambileyo (umzekelo. Izibonelelo ezivunywe kwangaphambili okanye ukufikelela komthengi ngokwakhe). I-spike kwimibuzo enzima inokubonisa izicelo ezininzi zamva nje okanye ukuthenga ngetyala; kubacebisi ngamatyala kunye nee-brokers, ikwanceda ukuphepha ukutsalwa kabini kwaye ixhasa ubuqhophololo kunye nokwazisa ngezakhono. Idatha yombuzo wodwa ayithethi ngokupheleleyo kodwa kufuneka ifundwe kunye nee-akhawunti kunye nokuziphatha kwentlawulo.

Amanqaku ekhredithi kunye nezalathi zomngcipheko

Uninzi lweengxelo ziquka amanqaku ekhredithi enye okanye ngaphezulu okanye izalathi zomngcipheko ezishwankathela ukufaneleka kwetyala. Ezi ziluncedo njengophawu olukhawulezayo kodwa akufuneki lusetyenziswe ngokwalo. Amanqaku athathwe kwidatha efanayo esisiseko (ii-akhawunti, imbali yentlawulo, uluhlu olubi, imibuzo); abakwenzi okocacisa ukuba kutheni umthengi enobungozi obuphezulu okanye obuphantsi. Ukuziqhelanisa nobungcali kufuna ukuhlalutya idatha esisiseko kunye nokusebenzisa imigaqo yomgaqo-nkqubo wakho. Amanqaku anokwazisa, kodwa amacandelo aqhuba isigqibo kunye nomkhondo wophicotho.

Idatha yokufikeleleka

Apho iziko liyalixhasa, iingxelo zinokubandakanya idatha enxulumene nokufikeleleka okanye izalathisi. Oku kubaluleke kakhulu kwiiofisi ezifana neDatanamix egxile ekufikeleleni. Xa ikhoyo, le datha kufuneka idluliselwe kwi-akhawunti kunye nolwazi lwebhalansi kwingxelo efanayo ukuze kuqinisekiswe umbono ohambelanayo wamandla ngaphambi kokuba uyisebenzise kuvavanyo lokufikeleleka.

Ukufunda iNgxelo yeTyala ngeNyathelo

Ukuhamba komsebenzi okuhambelanayo kunciphisa iimpazamo kwaye kuxhase ukuthotyelwa. Lo myalelo ulandelayo ulandelelwano olusebenzayo lohlalutyo lobuchwephesha.

Qala ngesiqinisekiso sesazisi

Qinisekisa ukuba ingxelo inxulumene nomsebenzisi ochanekileyo. Khangela igama, inombolo yesazisi, kunye nedilesi ngokuchasene nesicelo okanye ifayile yomxhasi. Qaphela nakuphi na ukungangqinelani kolandelelo. Ukutsiba eli nyathelo kunokukhokelela kwizigqibo ezisekelwe kwidatha yomntu ongalunganga.

Vavanya utyhileko olupheleleyo kunye nobume beakhawunti

Chonga zonke ii-akhawunti ezivulekileyo kunye neebhalansi zazo. Isimbuku sesimbuku esipheleleyo kunye neentlobo ze-akhawunti yenqaku. Ukwahlula okujikelezayo kwi-invevement kunye ne-mortgage credit. Qinisekisa ukuba zeziphi ii-akhawunti ezikhoyo kwaye zeziphi ezingahlawulwanga okanye ezivaliweyo. Oku kunika isiseko sokufikeleleka kunye nalo naluphi na uhlengahlengiso.

Hlalutya iindlela zokuziphatha kwentlawulo

Funda imitya yeprofayile yentlawulo yeakhawunti nganye. Khangela iipateni: imeko yangoku ezinzileyo, ukuwohloka kwangoku, okanyeukuphucuka emva kokusilela. Iiakhawunti zeflegi ezine-2 eziphindaphindiweyo okanye ezi-3. Eli nyathelo lazisa umngcipheko kunye nokubekwa phambili kwaye lixhasa iingxoxo zabaxumi.

Jonga uluhlu olubi kunye nezigwebo

Hlaziya icandelo lezigwebo kunye nokusilela ngokupheleleyo. Dwelisa zonke izigwebo kunye nokusilela kunye nomhla kunye nemali. Qwalasela iminyaka yabo kunye nefuthe kumthamo wangoku kunye nokufaneleka kwemveliso. Qinisekisa ukuba akukho nto iphoswayo xa usebenza kwiPDF eshinyeneyo.

Hlaziya umsebenzi wokubuza

Skena imibuzo yakutshanje, ngakumbi imibuzo enzima. Qaphela izicelo ezininzi ngexesha elifutshane okanye iipateni ezingaqhelekanga. Sebenzisa oku ukulungelelanisa yonke ingxelo kunye nokuxhasa ubuqhophololo okanye ukuhlolwa kwamandla.

Vavanya amanqaku ngokomxholo

Sebenzisa amanqaku axeliweyo okanye isalathisi somngcipheko njengegalelo elinye phakathi kwabaninzi. Musa ukuthembela kuyo yodwa. Thelekisa umfanekiso osuka kwii-akhawunti, indlela yokuhlawula, kunye noluhlu olubi. Apho amanqaku abonakala ephikisana nedatha ephantsi, idatha ephantsi kufuneka iqhube isigqibo kunye nenkcazo.

Iireferensi ezinqamlezileyo ngedatha yokufikeleleka

Ukuba ingxelo ibandakanya idatha yokufikeleleka okanye izikhombisi, zitshekishe ngokuchasene ne-akhawunti kunye nolwazi lwebhalansi osele ulukhuphile. Sombulula nakuphi na ukungangqinelani phambi kokusebenzisa idatha kuvavanyo lokufikeleleka okanye isindululo.

Imigibe eqhelekileyo kuHlahlelo lweManuwali

Uhlalutyo lwezandla lweengxelo zekhredithi ye-PDF lunempazamo kwaye alusebenzi kwisikali. Imigibe emininzi iphinda ivele ekusebenzeni.

Ukutolikwa okungahambelaniyo kumalungu eqela kuqhelekile xa kungekho nkcazo ekwabelwana ngayo malunga nendlela yokufunda imitya yentlawulo, indlela yokuhlela iiakhawunti, okanye njani.ukunyanga amatyala asemdeni. Omnye umhlalutyi unokubala iakhawunti njengevulekileyo xa omnye eyiphatha njengevaliweyo, okanye omnye angaphoswa ngungeniso olubi oluya kuphawulwa ngomnye. Iziphumo zizigqibo ezingalinganiyo kunye neendlela ezibuthathaka zophicotho.

Iiakhawunti ezingekhoyo okanye amangeno angalunganga xa uskena iiPDF ngumngcipheko othe ngqo. Iingxelo zinde kwaye zixinene; ulwazi olungundoqo lungcwatywe kwiitheyibhile kunye nengxelo. Ngaphandle kokutsalwa okucwangcisiweyo, kulula ukuyihoya iakhawunti okanye isigwebo, ngakumbi xa kusetyenzwa iingxelo ezininzi ngosuku. Isiphumo sinokuba luvavanyo lokufikeleleka olujongela phantsi ityala okanye uhlengahlengiso olushiya umbolekisi obalulekileyo.

Ukungaphumeleli ukuthelekisa iingxelo ngamaxesha onke kunciphisa ixabiso ledatha yembali. Izikhundla zabathengi ziyatshintsha; ukubona kuphela ingxelo yamva nje ngaphandle kwedatha ehamba phambili kwenza kube nzima ukubona ukuwohloka okanye ukuphuculwa kunye nokubhala ukuba kutheni isigqibo sitshintshile.

Ukuthembela kumanqaku kuphela ngaphandle kwedatha engaphantsi ngumngcipheko wokulawula kunye nodumo. I-NCA kunye ne-NCR zilindele ukuba izigqibo zisekelwe kuvavanyo olufanelekileyo lokufikeleleka kunye nomngcipheko. Amanqaku awathathi ndawo kolo vavanyo kwaye akanakusetyenziselwa ukucacisela umxhasi okanye umphicothi-zincwadi ukuba kutheni ikhredithi yaliwe okanye indlela uhlengahlengiso olwenziwe ngayo.

Amaxwebhu angalunganga apho idatha isazi ukuba sesiphi isigqibo esijongela phantsi ukuthotyelwa kunye nokukhusela kwiingxabano. Xa uhlalutyo lwenziwa ngeso kwi-PDF, ikhonkco phakathi kwamanqaku athile edatha kunye nesiphumo asisoloko sirekhodwa. Loo nto yenza kube nzima ukubonisa ukuba inkqubo ibinobulungisa, ayiguquguquki, kwaye iyaphinda.

Ukusuka kwiPDF ukuya kuHlahlelo oluLungisiweyo

Ingxaki yefomathiifumaneka jikelele kuwo onke amaziko aseMzantsi Afrika: iingxelo zihanjiswa ngokwesiqhelo njengeePDF. IiPDF ziyafundeka ngabantu kodwa azinakubuzwa ngoomatshini. Ngalo lonke ixesha ipraktishi efuna ukukhupha iibhalansi, ukucazulula uluhlu lwentlawulo, okanye uluhlu lwamangenelo angathandekiyo, makaskene aze aluskene kwakhona uxwebhu. Ulwakhiwo lwedatha yekhredithi ilungisa le mida.

Idatha eyakhiwe kulo mxholo ithetha ukucazululwa, iindawo eziqhelekileyo ezinokubuzwa kwaye zisetyenziswe kwimigaqo. Iibhalansi zeakhawunti, iintambo zeprofayili yentlawulo, imihla yesigwebo kunye namaxabiso, kunye neentlobo zokubuza zitsalwa kwiinkalo ezihambelanayo (umzekelo, ibhalansi, ikhowudi yentlawulo, usuku lokugweba). Xa sele ikuloo fomu, ingqiqo efanayo inokusetyenziswa kwingxelo nganye: ii-akhawunti zeflegi ezineenyanga ezintathu okanye ezingaphezulu ezilandelelanayo zisemva, ukuvezwa kwesambuku ngohlobo lwemveliso, okanye kudweliswe zonke izigwebo kwiinyanga ezingama-24 ezidlulileyo. Ukuvumelana kuyaphucuka kuba imithetho icacile kwaye isetyenziswa ngokufanayo.

Idatha yembali ixhasa uhlalutyo lwentsingiselo. Xa utsalo ngalunye lugcinwe kunye nomhla, iingcali zinokuthelekisa indawo yomthengi ngokuhamba kwexesha-ukuvezwa ngoko kwaye ngoku, ukuziphatha kwentlawulo kwiinyanga ezidlulileyo ze-12-ngaphandle kokuphinda kufundwe iiPDF ezindala. Oko kuxhasa izigqibo ezingcono kunye namaxwebhu acacileyo.

Umkhondo wophicotho ulandela ngokuzenzekelayo. Xa idatha icwangcisiwe, inkqubo inokurekhoda ukuba yeyiphi imimandla esetyenziswe kuvavanyo olunikiweyo kunye nendlela edityaniswe ngayo. Oko kuxhasa i-NCR kunye nophononongo lokuthotyelwa kwangaphakathi kwaye inceda ekukhuseleni izigqibo ukuba zicelwa umngeni.

I-multi-bureau normalization iba yinto enokwenzeka. Iingxelo ezivela kwi-Experian, TransUnion, Datanamix, XDS, kunye neCompuscan zisebenzisa i-layouts ezahlukeneyo kwaye ngamanye amaxesha iilebula ezahlukeneyo. Kanye datayahlulahlulwe yaya kulwakhiwo oluqhelekileyo, inokuthelekiswa kwaye idityaniswe ukuze iingcali zisebenze kwimbono enye, engaguquguqukiyo yomthengi kuzo zonke ii-bureaux, endaweni yokulungelelanisa ngengqondo iiPDF ezininzi.

Amanyathelo Alandelayo okwenziwa kwakho

Ukufunda ingxelo yetyala ngokuchubekileyo eMzantsi Afrika kufuna ukuqondwa okucacileyo kwemo ye-multi-bureau, amacandelo angundoqo engxelo nganye, kunye nokuhamba komsebenzi okuqeqeshekileyo. Kukwafuna ukuhamba ngaphaya kokuskena ngesandla kwePDF apho kunokwenzeka, ukuze idatha efanayo iqhube uhlalutyo olungaguqukiyo, olunokuphicothwa kunye noluphindaphindwayo. Ukuba ungathanda ukubona ukuba uhlahlelo lwengxelo yetyala olucwangcisiweyo lunokuxhasa njani ukucetyiswa ngamatyala akho, ukurhweba, okanye ukubolekisa, unga-cela idemo ukuxoxa ngemeko yakho yosetyenziso kunye neemfuno zedatha.