Ii-Multi-Bureau Credit Pulls eMzantsi Afrika | Isizathu Sokuba Kubalulekile
Jonga ukuba kutheni ukutsalwa kweengxelo zamaziko amaninzi kuphucula ukubonakala komngcipheko eMzantsi Afrika, kunciphisa iindawo ezingaboniyo, kwaye kuxhase izigqibo ezithembekileyo zokuboleka imali.
Uninzi lwabachwephesha bamatyala eMzantsi Afrika baphuma kwiziko elinye ngaphandle kwemikhwa, iindleko, okanye imiqobo yenkqubo yelifa. Olo khetho luyaqondakala, kodwa ludala iindawo ezingaboniyo ezichaphazela umgangatho wezigqibo, amandla okuthotyelwa, kunye neziphumo kubaxhasi. Ukuthembela kwiziko elinye kuthetha ukwamkela umfanekiso ongaphelelanga ngokungathi uphelele. Kubacebisi ngamatyala, abarhwebi, kunye nababoneleli ngetyala abawuthathela phezulu umsebenzi wabo wokukhathalela, oko kwamkelwa kuya kuba nzima ukukuthethelela.
Ingxaki yeZiko elinye
UMzantsi Afrika unamaziko amahlanu amakhulu agcina amatyala—i-Datanamix, i-Experian, iTransUnion, i-XDS, neCompuscan—onke abhaliswe kwi-NCR nangamalungu e-SACRRA. Ngamnye ubambe idatha ebalulekileyo, kodwa akukho ofisi enye ibamba yonke into. Ukuphatha utsalo olunye njengokwaneleyo kuyayihoya indlela esebenza ngayo imarike.
Ukhuselo lwedatha olungaphelelanga
Ababolekisi kunye nabanye ababoneleli ngedatha banika ingxelo kumaqumrhu ngokuzithandela okanye phantsi kwesivumelwano. Akukho mgaqo wokuba wonke umntu otyalwayo axele kwi-bureau nganye. Ibhanki inokunika ingxelo kwiTransUnion kunye ne-Experian kodwa kungekhona kwiDatanamix; umthengisi unokunika ingxelo kuphela kwi-XDS; umbolekisi omncinci angatyisa iCompuscan. Isiphumo kukuqhekeka kwesakhiwo. Umthengi ofanayo unokuba neeakhawunti ezivela kwingxelo ye-bureau kwaye kungekhona enye. Umcebisi wamatyala esakha uhlengahlengiso ukusuka kutsalo olunye lweTransUnion angaphosa ii-akhawunti ezivela kuphela ku- Experian okanye Datanamix. Umthengisi ovavanya ukufikeleleka ukusuka ku- Datanamix yedwa unokuba yimfama ekuvezeni ukuba TransUnion okanye XDS uyayibamba. Ukuthembela kwiziko elinye ayilokhetho lolondolozo; Kukubheja ukuba i-bureau oyitsalileyo yenzekeukubamba yonke i-akhawunti yezinto eziphathekayo. Olo kubheja ludla ngokungalunganga.
Ukwahluka kwamanqaku kuzo zonke iiofisi
Umthengi omnye unokuba namanqaku omngcipheko awohlukileyo ngokwahlukileyo kwii-ofisi ezahlukeneyo. I-bureau nganye isebenzisa imodeli yayo yamanqaku kunye neseti yayo yedatha. Amanqaku e-TransUnion’s Empirica, izibonakaliso zengozi ye-Experian, kunye neempawu zokulinganisa ze-Datanamix azifani ngokuthe ngqo, kwaye akufuneki bavumelane. Umthengi obonakala emkelekile kwinqaku le-bureau unokujongeka esecaleni okanye engamkelekanga kwelinye. Ukuseka isigqibo kwinqaku elinye kukuhoya oko kungangqinelani. Yenza ukuba iziphumo zixhomekeke ekubeni leliphi na iziko elithe latsalwa kunokuba kumngcipheko osisiseko. Ukwenzela izigqibo ezingaguqukiyo, ezikhuselayo, kufuneka ubone idatha ngasemva kwamanqaku kwaye, apho kunokwenzeka, ukuqwalasela idatha evela kumthombo ongaphezulu kwesinye ukwenzela ukuba ukuhluka kwamanqaku akuchazi iziphumo ngengozi.
Uluhlu olungalunganga oluphosiweyo
Izigwebo, ukusilela, kunye nemiyalelo yolawulo ayibonakali ngaxeshanye kuwo onke amaziko. Ukunika ingxelo, izivumelwano zokwabelana ngedatha, kwaye zeziphi iinkundla okanye ababolekisi banika ingxelo apho iiofisi zithetha ukuba uluhlu olubi lunokuvela kwiintsuku okanye iiveki ngaphambi kokuba luvele kwelinye. Ekuqaleni komjikelo wokunika ingxelo, ukutsalwa kwesebe elinye kunokuphosa isigwebo okanye ukusilela ngokupheleleyo. Ngokucetyiswa ngamatyala, oko kunokuthetha ukwenza isindululo sohlenga-hlengiso olungabandakanyi isigwebo samva nje. Ukuboleka, kunokuthetha ukuvuma ikhredithi xa umfanekiso opheleleyo ubunokukhokelela kwisigqibo esahlukileyo. Umngcipheko awukho ithiyori; ivela kwindlela idatha embi ehamba ngayo kwinkqubo. Ukuthembela kwenyei-bureau yonyusa amathuba okuba ulwazi olungalunganga lwemathiriyeli lungabikho kwingxelo oyisebenzisileyo.
Yintoni i-Multi-Bureau etsalayo eneneni bonisa
Ukutsalwa kwiiofisi ezininzi akukho malunga nokuqokelela amaphepha amaninzi. Kumalunga nokuvala izikhewu apho i-single-bureau reliance ishiya ivulekile.
Imbonakalo egcweleyo yokutyhileka iyonke
Ukudibanisa idatha kwii-akhawunti ze-bureaux ezinokuthi zingabikho kuwo nawuphi na umthombo. Umthengi unokuba nekhadi levenkile kwi-Experian, imali-mboleko yobuqu kwi-TransUnion, kunye ne-micro-mboleko kwi- XDS. Akukho ngxelo inye ebonisa zonke zontathu. Ukudityaniswa kweengxelo kunika ibhalansi iyonke echanekileyo, izavenge zizonke, kunye nenani lilonke le-akhawunti. Oko kubalulekile ekufikeleleni: uMthetho weSizwe weTyala ufuna uhlolo lwezibophelelo zomthengi, kwaye ezo zibophelelo aziphelelanga kwisiqwenga se-bureau esinye semarike. Ikwabalulekile nokucetyiswa ngamatyala, apho inani elichanekileyo lokuchasa lisisiseko saso nasiphi na isindululo sohlengahlengiso. Idatha ye-Multi-bureau ayiqinisekisi ukugqibelela-ezinye iiakhawunti zisenokungaxelwa naphina-kodwa zikusondeza kakhulu kune-bureau enye.
Ukuqinisekiswa okunqamlezileyo kokuziphatha kwentlawulo
Xa kuvela i-akhawunti enye kwi-bureau engaphezulu kwesinye, ungajonga indlela yokuhlawula. Ukunika ingxelo ngokungaguqukiyo kuwo onke amaziko omeleza ukuzithemba kwidatha; iiyantlukwano (umzekelo, iimeko ezahlukeneyo zokungahlawulwa kwemali, imihla eyahlukeneyo yokusilela) iqinisekisa uphando phambi kokuba kwenziwe isigqibo. Apho iiakhawunti zivela kwiofisi enye kuphela, ubuncinci uyazi ukuba ujonge ngaphaya komthombo omnye. Olo qeqesho lunciphisa umngcipheko wesisekoiingcebiso kwidatha yokuziphatha engaphelelanga okanye engahambelaniyo.
Uvavanyo olungcono lokufikeleleka
Iimfuno zokufikeleleka kwe-NCA zifuna ukuba abaniki-nkonzo yeentengo zemboleko kunye nabacebisi bamatyala bahlole ukuba umboleki unako na ukuhlawula ikhredithi ecetywayo okanye uhlengahlengiso. Olo vavanyo kufuneka lusekelwe kweyona mbono ipheleleyo yezibophelelo ezikhoyo. Ukuba ii-akhawunti zezinto eziphathekayo zikhona kwelinye i-bureau, ukungabandakanyi ekubaleni kujongela phantsi uvavanyo. I-Multi-bureau idonsa inkxaso yomfanekiso ochanekileyo ngakumbi wezibophelelo zenyanga kunye nengeniso elahlayo, ethi ixhase ukuthotyelwa. Ukufikeleleka asingomsebenzi wokuphawula ibhokisi; ngumsebenzi obalulekileyo. Ukuyizalisekisa ngokufanelekileyo kukuthanda ukusebenzisa eyona seti yedatha epheleleyo onokuthi uyifumane ngokufanelekileyo.
Uvavanyo oluchaneke ngakumbi olungalunganga
Ukutsala kwimithombo emininzi kunciphisa umngcipheko wokuphulukana nesigwebo, umyalelo wolawulo, okanye ukusilela. Akukho ziko line-monopoly kwidatha engalunganga; Iinkundla nabatyalwayo banika ingxelo kumaziko ahlukeneyo ngamaxesha ahlukeneyo. Indlela yokujongana nee-multi-bureau ayiliphelisi ithuba lokuphoswa kuluhlu, kodwa iyalinciphisa ngokubonakalayo. Kwiifemu ezivavanya iziganeko ezimbi phambi kokuba zibonelele ngetyala okanye phambi kokugqiba uphononongo lwamatyala, oko kuncitshiswa kuyinzuzo ethe ngqo kumgangatho wesigqibo kunye nolawulo lomngcipheko.
Iingqwalasela zokuthobela kunye noLawulo
Imeko yokutsalwa kwee-multi-bureau ayihlalutyi kuphela; iyalawula. UMthetho weNtengo yeSizwe kunye nolindelo lwe-NCR luxhasa uluvo lokuba uvavanyo kufuneka lube nzulu kwaye lusekwe kulwazi olulungele injongo.
Iimfuno zokufikeleleka kweNCA kunye noxanduva lokuVavanya ngokupheleleyo
ICandelo lama-81 loMthetho weSizwe weTyala lifuna ukuba abaniki-nkonzo yeentengo zemboleko bahlole ukufikeleleka phambi kokuba benze isivumelwano sentengo yemboleko. Uvavanyo kufuneka luthathele ingqalelo iindlela zemali ezikhoyo zomthengi, amathemba kunye nezibophelelo. Ukuxhomekeka kwi-bureau enye xa abanye bebambe idatha yemathiriyeli kunzima ukwenza isikwere kunye nomsebenzi wokuvavanya ngokufanelekileyo. Ukuba umboleki unee-akhawunti ezibonakala kuphela kwiziko ongakhange uzitsale, imbono yakho yezibophelelo zabo ayiphelelanga, kwaye isiphelo sakho sokufikeleleka sinokuba nesiphene. Idatha ye-Multi-bureau ayibonakali ngokwayo ukuthobela, kodwa ibonisa ukuba i-firm ithathe amanyathelo afanelekileyo ukuze ifumane umfanekiso opheleleyo wesikhundla sekhredithi yomthengi. Oko komeleza zombini umgangatho wovavanyo kunye nokhuseleko lwayo.
Okulindelekileyo kwe-NCR kuvavanyo olucokisekileyo
I-National Credit Regulator ilindele ukuba abaniki-nkonzo yeentengo zemboleko kunye nabacebisi bamatyala benze uhlolo olubanzi kwaye basebenzise idatha eyilungele injongo. Umgaqo-nkqubo wokuthembela kwi-single-bureau, xa ulwakhiwo lwemarike luthetha ukuba akukho shishini lilodwa linedatha epheleleyo, kunzima ukuyikhusela “njengebanzi.” Iifemu ezitsala kwii-ofisi ezininzi kwaye zisebenzise loo datha ngendlela ecwangcisiweyo zibekwe ngcono ukubonisa ukuba zidibene nomgangatho. I-NCR ayichazi inani elithile le-bureau lidonsa, kodwa isalathiso sokuhamba sicacile: ukucokiseka kunye nokusetyenziswa kwedatha eyaneleyo kulindeleke.
Ukhuselo lophicotho
Xa umphicothi-zincwadi okanye i-NCR ibuza ukuba isigqibo sifikelelwe njani na, ukukwazi ukubonisa ukuba imithombo yamaziko amaninzi kwadityanwa nayo kwaye yalungelelaniswa yomeleza uphicotho-zincwadi.umzila. Ibonisa ukuba inkampani ayizange ithembele kwiseti enokuthi ingaphelelanga yedatha xa imboniselo epheleleyo ifumaneka ngokufanelekileyo. Idatha ye-Multi-bureau, idibene nemithetho ecacileyo kunye namaxwebhu endlela loo datha isetyenziswe ngayo, ixhasa ingxelo yokuba i-firm ithathe amanyathelo afanelekileyo okuvavanya umthengi ngokufanelekileyo. Loo nto ibalisayo ibalulekile kulawulo kunye nomngcipheko wodumo.
Umngeni wokuSebenza kuHlahlelo lwamaZiko amaninzi
Ukuvuma iinzuzo zokutsalwa kwee-multi-bureau yinto enye; ukusebenza kuzo yenye. Umqobo oyintloko awukho iindleko zokutsalwa okongeziweyo kodwa ubunzima bokusebenza kokuguqula iingxelo ezininzi zibe ngumbono omnye, osebenzisekayo.
Iifomathi zengxelo ezahlukeneyo kuwo onke amaziko
Iziko ngalinye linikezela ngeengxelo ngokoyilo lwalo, ukulandelelana kwecandelo, kunye nokulebhile. Datanamix, Experian, TransUnion, XDS, kunye Compuscan zonke zibonelela ngeendidi ezifanayo ezibanzi zolwazi-ii-akhawunti, indlela yokuhlawula, udweliso olubi-kodwa indlela oluchazwe ngayo iyahluka. Imitya yeprofayile yentlawulo inokusebenzisa iikhowudi ezahlukeneyo; amacandelo esigwebo anokuba kwiindawo ezahlukeneyo; amagama emimandla kunye namaqela ayahluka. Nabani na oye wathelekisa i-Datanamix PDF kwi-TransUnion PDF uyazi ukuba “uhlobo olufanayo” lwedatha alukho kwindawo enye okanye ifomathi. Oko kungangqinelani ngowona mthombo mkhulu wengxabano xa amaqela ezama ukusebenza kuwo onke amaziko amaninzi.
Ulungelelwaniso lwezandla kuzo zonke iiPDF ezininzi kubuhlungu kwaye kuyathandeka
Ngaphandle kwesakhiwo esiqhelekileyo, abahlalutyi kufuneka bavule ingxelo nganye, bafumane amacandelo afanelekileyo, kwaye ngokwengqondo okanye ngesandla badibanise ukuvezwa, ukuziphatha kunye nokungalunganga.idatha. Ii-akhawunti eziphindwe kabini (kwaloo ndawo inye ekuxelwe kuyo kwiziko elingaphezulu kwesinye) kufuneka ichongwe kwaye idinyulwe. Ibhalansi kunye nezavenge kufuneka zihlanganiswe ngaphandle kokubalwa kabini. Ukuziphatha kwentlawulo kunye noluhlu olubi kufuneka zidityaniswe kumbono omnye. Ukwenza oku ngesandla kwiiPDF ezimbini okanye ezintathu kumxhasi ngamnye kuyacotha kwaye kulula ukwenza iimpazamo. Njengoko ivolumu ikhula, iba yinto engapheliyo. Iifemu ezininzi zigqiba kwelokuba i-multi-bureau “ngumsebenzi omninzi kakhulu” kwaye ibuyela ekuthembekeni kwe-single-bureau hayi ngenxa yokuba zithandabuza ixabiso ledatha engaphezulu kodwa ngenxa yokuba iindleko zokusebenza zokudibanisa iiPDF ezahlukeneyo ziphezulu kakhulu.
Ukuqwalaselwa kweendleko
Ukutsalwa kwiiofisi ezininzi kubiza ngaphezulu kokutsalwa kwenye. Iziko ngalinye lihlawulisa ukufikelela kunye nokutsalwa kwengxelo, kunye nezikali zeendleko kunye nomthamo. Iifemu kufuneka zibone imbuyekezo ecacileyo: izigqibo ezingcono, zimbalwa izintlu ezingalunganga eziphosiweyo, ukuthotyelwa okunamandla, kunye nomkhondo wophicotho okhuselekayo. Imbuyekezo ikhona, kodwa iqondwa kuphela ukuba idatha ingasetyenziswa ngokwenene. Ukuba idatha ye-multi-bureau ihleli kwiiPDF ezahlukeneyo ekungekho mntu unexesha lokuzidibanisa, iindleko ezongezelelweyo zithenga kancinci. Ixabiso le-multi-bureau livuliwe xa idatha iqhelekile kwaye ithelekiseka; ngaphandle koko, iindleko ziba sisizathu sokunamathela kwi-bureau enye ngaphandle kwemida.
Imfuno yolwazi oluqhelekileyo, olucwangcisiweyo ukwenza uhlalutyo lwamaqumrhu amaninzi lusebenze
Umenzi wokwenene wohlalutyo lwamaziko amaninzi akakulungela ukufunda iiPDF; iguqula idatha esuka kwi-bureaux eyahlukeneyo ibe ngumelo omnye, ongaguqukiyo. Xa utyhilekile, indlela yokuhlawula, kunye noluhlu olubi oluvela kwiDatanamix, Experian,I-TransUnion, i-XDS, kunye neCompuscan zifakwe kwimephu ye-schema eqhelekileyo, imigaqo efanayo ingasetyenziswa kungakhathaliseki ukuba ngumthombo. Iiakhawunti eziphindwe kabini zinokufunyanwa kwaye zidityaniswe. Iitotali zingabalwa kanye. Ukuhlolwa okungalunganga kunokuhamba kwisethi edibeneyo. Iindleko ezisezantsi zokongeza omnye umthombo we-bureau ziwa xa ukungeniswa kunye nomgangatho oqhelekileyo sele ukhona. Kude kube lelo xesha, i-multi-bureau isasebenza nzima kwaye iifemu ezininzi zinamathela ngokufanelekileyo kwiofisi enye ngaphandle kokuyazi imida.
Ukwenza uHlahlelo lwee-Multi-Bureau lusebenze
Idatha eyakhiweyo iyayitshintsha i-equation. Ayitshintshi ingxelo ye-bureaux; iyatshintsha indlela enokusetyenziswa ngayo loo datha.
Ukulungelelanisa idatha esuka kwiiofisi ezahlukeneyo ukuya kwimbono enye kuthetha ukuba nokuba ingxelo yemvelaphi isuka Datanamix, Experian, TransUnion, XDS, okanye Compuscan, iingqikelelo ezifanayo-itotal exposure, intlawulo yokuziphatha-indlela yokuziphatha, ulwakhiwo olubi oludibeneyo affords affordable listings, afforded structure afforded afforded field listings. Abahlalutyi kunye neenkqubo banokusebenza ngembono enye enengqiqo endaweni yamaxwebhu amaninzi angahambelaniyo.
Ukusebenzisa imigaqo engaguqukiyo kungakhathaliseki ukuba ivela phi kuba lula. Imigangatho efana ne “iflegi ukuba isigwebo kwiinyanga ezingama-24 ezidlulileyo” okanye “iisavenge zizonke kufuneka zingadluli x% yengeniso” ziqhuba ngendlela efanayo kwidatha evela kulo naliphi na iziko. Oko kuhambelana kuphucula umgangatho wesigqibo kunye nokuphicothwa. Kwakhona kwenza ukuba kube yinto enokwenzeka ukongeza elinye i-ofisi: wakuba umbhobho wohlengahlengiso ukho, ukungeniswa kwefomathi entsha yeziko ngumbandela wokwandisa umbhobho kunokuqeqesha abasebenzi kolunye uyilo lwePDF.
Ukwenza imbaliidatha yamaziko amaninzi ixhasa uhlalutyo lwentsingiselo. Xa utsalo ngalunye-ukusuka kuyo nayiphi na i-bureau-igcinwe njengedatha ecwangcisiweyo kwaye idibaniswe nomxhasi kunye nomhla, unokuthelekisa ukuvezwa kunye nokuziphatha ngokuhamba kwexesha nangona umxube wemithombo ye-bureau utshintsha. Oko kuxhasa zombini ulawulo lwemeko kunye nokubeka iliso kwipotfoliyo yomngcipheko.
Ukunciphisa iindleko ezisezantsi zokongeza omnye umthombo we-bureau sisiphumo sendalo. Iindleko ezisisigxina kukwakha kunye nokugcina umaleko wesiqhelo; iindleko eziguquguqukayo zokutsala i-bureau eyongezelelweyo kunye nokuyondla kwimbono efanayo iphantsi. Iifemu ezenze olo tyalo-mali ziyakwazi ukutsala kumaziko amaninzi ngaphandle kokukhula ngokulinganayo kwinzame zezandla. Xa ufuna uthelekiso oluneenkcukacha lokuba amaziko amakhulu ahluka njani kwaye angena njani kwiqhinga lamaziko amaninzi, bona eyethu Uthelekiso lweziko lamatyala eMzantsi Afrika. Ngombono osisiseko wendlela yokutolika iziphumo zeofisi nokuba isuka phi na, jonga isikhokelo sethu ku indlela yokufunda ingxelo yetyala ngobuchule.
Amanyathelo Alandelayo
Ukuthembela kwi-bureau enye lilifa lesiqhelo kunye nesithintelo sokusebenza, hayi eyona ndlela ilungileyo. I-bureau landscape yaseMzantsi Afrika yahlulwa luyilo; ababolekisi abahlukeneyo banika ingxelo kwii-bureaux ezahlukeneyo, kwaye umthengi ofanayo unokujonga ngokwahlukileyo ukusuka kwingxelo ukuya kwelandelayo. Iingcali zekhredithi ezixhomekeke kwi-bureau enye zamkela iindawo ezingaboniyo ekugqunyweni kwedatha, ukwahluka kwamanqaku, kunye novavanyo olubi. I-NCA kunye ne-NCR zilindele uvavanyo olunzulu, oluqhutywa yidatha; ukuhlangabezana nokulindela kulula xa idatha oyisebenzisayo iphelele njengoko unokuyenza ngokufanelekileyo. Ii-Multi-bureau pulls, ezidityaniswe nohlalutyo oluqhelekileyo, olucwangcisiweyo, guqula olo kuzaliseka lube yinto ethileiyalawuleka. Ukuba ungathanda ukubona ukuba indlela ecwangcisiweyo, yamaziko amaninzi angakuxhasa njani ukuqhutywa komsebenzi wakho, dibana nedemo.