IiMfuno zoBhaliso lwe-NCR eMzantsi Afrika | Isikhokelo
Funda iimfuno zobhaliso lwe-NCR zabacebisi ngamatyala kunye nabanikezeli bekhredithi eMzantsi Afrika, ukusuka kumanyathelo ezicelo ukuya kwizibophelelo eziqhubekayo zokuthobela.
Ukusebenza njengomniki-nkonzo yeentengo zemboleko okanye umcebisi wamatyala eMzantsi Afrika ngaphandle kokubhaliswa kwe-NCR akukho mthethweni. I-National Credit Regulator liqumrhu elongamela abaniki-nkonzo yeentengo zemboleko, ii-ofisi, kunye nabacebisi bamatyala ukuqinisekisa ukuthotyelwa kwe-NCA. Ukubhaliswa akusiyo inkqubo yexesha elinye-ithwala izibophelelo eziqhubekayo ezifuna iinkqubo ezicwangcisiweyo, amaxwebhu afanelekileyo, kunye nokuthotyelwa okuqhubekayo. Iifemu ezithatha ubhaliso njengomsebenzi webhokisi yokukhangela kwaye zisilele ukugcina imigangatho yokusebenza i-NCR ilindele izilumkiso zobuso, izohlwayo, ukunqunyanyiswa, okanye ukucinywa kobhaliso. Ukuqonda ukuba ubhaliso lufuna ntoni, lufumaneka njani, kwaye lugcinwe njani kubalulekile kuye nawuphi na umntu oqeqeshelwe ngetyala ofuna ukusebenza ngokusemthethweni kwaye aphephe amanyathelo olawulo.
Inkqubo yobhaliso ngokwayo ithe ngqo kwithiyori kodwa ifuna ukusebenza. Kufuneka ubonise ukuba uyaziqonda izibophelelo zakho phantsi kwe- UMthetho wamaTyala weSizwe, ukuba unezixokelelwano endaweni yokuhlangabezana nazo, kwaye ungumntu okanye umbutho ofanelekileyo osebenza kushishino lwetyala. Kubaniki-nkonzo yeentengo zemboleko, oku kuthetha ukubonisa uzinzo lwemali, iziseko ezingundoqo zokuthobela, kunye nesakhono esifanelekileyo sokugcina iirekhodi. Kubacebisi ngamatyala, kuthetha ukugqiba uqeqesho olufunekayo, ukuphumelela iimviwo, kunye nokubonakalisa ubuchule kwiinkqubo zokuphonononga amatyala. Wakuba ubhalisiwe, kufuneka ulugcine olo bhaliso ngokuthi uhlaziywe rhoqo ngonyaka, uhlawule umrhumo, unike ingxelo yeenkcukacha-manani, kunye nokuthotyelwa okuqhubekayo kokulindelwe yi-NCR.
Yintoni i-NCR kwaye Kutheni kubalulekile uBhaliso
I-National Credit Regulator (NCR) yasekwa phantsi koMthetho wamaTyala weSizwe (uMthetho wama-34 ka-2005) ukuze wongamele kwaye ulawule ishishini lamatyala eMzantsi Afrika. Ibhalisa abaniki-nkonzo zeentengo zemboleko, amaziko agcina inkcazelo ngeentengo zemboleko, kunye nabacebisi bamatyala phambi kokuba basebenze ngokusemthethweni, ibeke iliso kuthotyelo, iphande izikhalazo, iqhube uphicotho-zincwadi, kwaye inyanzelisa uMthetho ngezohlwayo, ukunqunyanyiswa, nokucinywa kobhaliso. I-NCR inamagunya abanzi okuphanda izikhalazo, ukufuna amaxwebhu, ukuwisa izohlwayo, kwaye kumatyala anzima, idlulisele imiba kutshutshiso lolwaphulo-mthetho.
Ubhaliso luyimfuneko esemthethweni, hayi inyathelo lolawulo lokuzikhethela. ICandelo lama-40 loMthetho weSizwe weTyala liyabalela abaniki-nkonzo yeentengo zemboleko ekubeni bangene kwizivumelwano zeentengo zemboleko ngaphandle kokuba babhalisiwe kwi-NCR. Icandelo 44 liyabalela abacebisi ngamatyala ekuboneleleni ngeenkonzo zoluleko lwamatyala ngaphandle kokuba babhalisiwe. Ukusebenza ungabhaliswanga sisenzo solwaphulo-mthetho esinokubangela ukuba ubani atshutshiswe, ahlawuliswe imali okanye avalelwe entolongweni. Imisebenzi engabhaliswanga ayinakunyanzelisa ngokusemthethweni izivumelwano zeentengo zemboleko, kwaye abathengi banakho ukuphepha izibophelelo ezingenwe kuzo kunye nabanikezeli abangabhaliswanga.
I-NCR isebenzisa ubhaliso njengendlela yokuqinisekisa ukuba kuphela ngabantu abafanelekileyo nabafanelekileyo abangena kushishino lwetyala. Ngexesha lobhaliso, abafaki-zicelo kufuneka babonise ukuba bayaluqonda uxanduva lwabo, baneenkqubo zokuhlangabezana nazo, kwaye bayakwazi ukusebenza kakuhle ngokwemali nangokusebenzayo. Nje ukuba ibhalisiwe, iifemu zihlala ziphantsi kolawulo oluqhubekayo. I-NCR inokuphicotha amaqumrhu abhalisiweyo nangaliphi na ixesha, ifune amaxwebhu, iphande izikhalazo, ize ithabathe amanyathelo okuqinisekisa ukuba kufunyenwe ukungathotyelwa. Ukubhaliswa akukona ukuvunywa kwexesha elilodwa-luxanduva oluqhubekayo olufuna ukuba amafemu agcine imigangatho, angenise iingxelo, ahlawule iifizi, kwaye abonise ukuthotyelwa okuqhubekayo. Iifemu ezisilelayo ukuhlangabezana nezi zibophelelo zijongene nonyanzeliso oluqhubekayo: izilumkiso, izaziso zothotyelo, izohlwayo, ukunqunyanyiswa, kunye ekugqibeleni nokucinywa kobhaliso.
Ngubani oMakabhalise
I-National Credit Act ifuna iindidi ezininzi zabathathi-nxaxheba kwimarike ukuba babhalise kwi-NCR phambi kokuba basebenze ngokusemthethweni. Abaniki-nkonzo yeentengo zemboleko kufuneka babhalise phambi kokuba benze izivumelwano zeentengo zemboleko nababoleki. Oku kubandakanya iibhanki, ababolekisi-mali abancinci, ababoneleli-mali bezithuthi, abathengisi abanikezela ngetyala, kunye nalo naliphi na elinye iziko elandisa ityala. UMthetho umchaza ngokubanzi umniki-nkonzo yeentengo zemboleko-nemisebenzi emincinci enikezela ngetyala kufuneka ibhalise. Akukho kukhululwa kubabolekisi abangekho sikweni okanye kwimisebenzi emincinci.
Abaniki-nkonzo zeentengo zemboleko bahlelwa ngokweendidi ezine ngokususela kubungakanani bencwadi yemali-mboleko: uDidi A (lugqithise kwi-R500 yezigidi), uDidi B (i-R100 lezigidi ukuya kuma-R500 ezigidi), uDidi C (i-R10 lezigidi ukuya kwi-R100 yezigidi), kunye neCandelo D (ngaphantsi kwe-R10 yezigidi). Ezi ndidi zimisela imirhumo yobhaliso yonyaka kunye neemfuneko ezithile zokunika ingxelo, kodwa zonke iindidi kufuneka zihlangabezane neemfuno ezisisiseko ezifanayo: umntu ofanelekileyo nofanelekileyo, iziseko zophuhliso zokuthotyelwa, kunye neenkqubo ezifanelekileyo zokugcinwa kweerekhodi.
Abacebisi ngamatyala kufuneka babhalise ngabanye phambi kokuba babonelele ngeenkonzo zokucetyiswa ngamatyala. Ngokungafaniyo nabaniki-nkonzo yeentengo zemboleko, ababhalisa njengemibutho, abacebisi ngamatyala babhalisa njengabantu ngabanye. Umntu ngamnye obonelela ngeenkonzo zokucebisa ngetyala kufuneka agqibezele inkqubo yobhaliso, ahlangabezane neemfuno zemfundo, kwaye agcine ubhaliso lwakhe. Iifemu eziqeshe abacebisi ngamatyala amaninzi kufuneka ziqinisekise ukuba umcebisi ngamnye ubhalisiwe—awukwazi ukusebenza phantsi kobhaliso lomnye umntu.
Amaziko okuthenga ngetyala kunye nabathengisi bamatyala kufuneka nabo babhalise. Amaziko amakhulu eMzantsi Afrika—Experian, Datanamix, TransUnion, Compuscan, kunye neXDS—zonke zibhalisiwe, kodwa naliphi na iziko elisebenza njengeziko lamatyala kufuneka ligqibezele ukubhalisa. UMthetho awuboneleli ngokukhululwa kwimisebenzi emincinci, kubabolekisi abangekho sikweni, okanye amagcisa angesosigxina. I-NCR ibeka iliso kwimarike kwaye iphande imisebenzi engabhaliswanga, kwaye iziphumo zokusebenza ngaphandle kokubhaliswa zinzima.
IiMfuno zoBhaliso kubaBoneleli-tyala
Abaniki-nkonzo zeentengo zemboleko bajongene neemfuno ezibanzi zobhaliso ezidlulela ngaphaya kokugcwalisa uxwebhu lwesicelo. I-NCR ilindele ukuba abafaki-zicelo babonise uzinzo kwezemali, amandla okusebenza, iziseko ezingundoqo zokuthobela, kunye nobume bomntu obufanelekileyo nobufanelekileyo.
Inkqubo yesicelo iqala ngokungenisa iifomu ezifunekayo kunye namaxwebhu kusetyenziswa iphothali ye-intanethi ye-NCR. Kufuneka unikezele ngeenkcukacha ezithe vetshe malunga nombutho wakho, kuquka iinkcukacha zobhaliso lwenkampani, abalawuli kunye nabaninizabelo, imisebenzi yeshishini, kunye neenkcukacha zemali. Iimfuno zemali ziyahluka ngokweendidi: Ababoneleli boDidi A no-B kufuneka bangenise iingxelo-mali eziphicothiweyo, ngelixa ababoneleli beCandelo C no-D banokungenisa ii-akhawunti zolawulo, kodwa bonke mababonise inkunzi eyaneleyo ukuze basebenze ngokuthembekileyo.
Iimfuno zomntu ezifanelekileyo nezifanelekileyo zisebenza kubalawuli, abaninizabelo, kunye nabasebenzi abaphambili. I-NCR ihlola imvelaphi ukuqinisekisa ukuba abantu abakhange bagwetywe ngamatyala abandakanya ukunganyaniseki, abantu abatshonileyo bengahlawulwanga, kwaye abathintelwanga ekubeni basebenze kushishino lwetyala. I-NCR inokufuna ingcaciso eyongezelelweyo okanye udliwano-ndlebe ukuvavanya ukufaneleka kunye nobume obufanelekileyo.
Iimfuneko zokuthotyelwa kweziseko zophuhliso zithetha ukuba kufuneka ubonise iinkqubo kunye neenkqubo zokuhlangabezana nezibophelelo zakho phantsi koMthetho wamaTyala weSizwe. Oku kubandakanya iinkqubo zokwenza uvavanyo lokufikeleleka, ukugcinwa kweerekhodi, ukubonelela ngobhengezo kubathengi, kunye nokuphendula kwizikhalazo. I-NCR ilindele ubungqina bokuba uyaziqonda izibophelelo zakho kwaye uneenkqubo zokusebenza ezixhasa ukuthotyelwa. Kubanikezeli bekhredithi abasebenzisa isoftware ezinikeleyo, ukubonisa ukuba iinkqubo zakho zixhasa ukuthotyelwa kweNCA yinxalenye yenkqubo yesicelo.
Iinkqubo zokugcinwa kweerekhodi kufuneka zanele ukugcina amaxwebhu afunekayo phantsi koMthetho. I-NCR ilindele ukuba abaniki-nkonzo yeentengo zemboleko bagcine iirekhodi zezivumelwano zeentengo zemboleko, uhlolo lokufikeleleka, kunye namaxwebhu anxulumeneyo ngamaxesha amiselweyo. Isicelo sakho kufuneka sibonise iinkqubo zokugcina, ukufumana, kunye nokulawula ezi rekhodi ngokufanelekileyo. Izakhono zokuhlola ukufikeleleka kufuneka nazo zibonakaliswe—kufuneka ubonise iinkqubo zokuqinisekisa ingeniso, uvavanye iindleko, uphonononge iingxelo zeziko lamatyala, kwaye ubone ukuba abathengi banako na ukuhlawula ikhredithi ecetywayo.
Imirhumo yokubhalisa yonyaka isekelwe kudidi lwakho, kunye nababoneleli beCandelo A abahlawula imirhumo ephezulu. Zonke iindidi kufuneka zihlawule ngonyaka ukugcina ubhaliso. Inkqubo yokuphononongwa kwesicelo idla ngokuthatha iiveki ukuya kwiinyanga. Izizathu eziqhelekileyo zokulibaziseka okanye ukukhatywa zibandakanya amaxwebhu angaphelelanga, ukungaphumeleli ukubonisa iziseko zokuthotyelwa, iinkxalabo malunga nokufaneleka kunye nesimo esifanelekileyo somntu, okanye izibonelelo zemali ezingonelanga.
IiMfuneko zoBhaliso kubaCebisi kwezamaTyala
Abacebisi kumatyala emboleko bajongana neemfuno zobhaliso ezahlukeneyo kunabaniki-nkonzo yeentengo zemboleko kuba babhalisa njengabantu ngabanye endaweni yemibutho. Umntu ngamnye obonelela ngeenkonzo zokucetyiswa ngamatyala kufuneka agqibezele inkqubo yokubhalisa ngokuzimeleyo—awunakukwazi ukusebenza phantsi kobhaliso lomnye umcebisi okanye usebenze njengomncedisi ongabhaliswanga. Ukuba uqeshwe yifemu ebonelela ngeenkonzo zokucetyiswa ngamatyala, kusafuneka ubhalise ngokwakho.
Iziqinisekiso zemfundo zinyanzelekile. I-NCR ifuna ukuba abacebisi bamatyala babe neSiqinisekiso seSizwe seNqanaba lesi-5 le-NQF kwiNgcebiso kuMatyala eMboleko okanye isiqinisekiso esifana neso esivunywe yi-NCR. Esi siqinisekiso sibandakanya uMthetho weSizwe weTyala, iinkqubo zokuphonononga amatyala, uvavanyo lokufikeleleka, amalungelo abathengi, kunye neenqobo zokuziphatha zobungcali. Ukuba awunaso isiqinisekiso esifunekayo, kufuneka usigcwalise phambi kokuba ubhalise.
Ukuhlolwa kweerekhodi zolwaphulo-mthetho kwenziwa njengenxalenye yovavanyo olufanelekileyo nolufanelekileyo lomntu. I-NCR ifuna ukuba abacebisi bamatyala bangenise izatifikethi zamapolisa ezibonisa ukuba abakhange bagwetywe kumatyala abandakanya ukunganyaniseki okanye ubundlobongela. I-NCR ivavanya ukuba ngaba abafaki-zicelo banabo na ubuntu, isakhono, kunye nokuthembeka ekuboneleleni ngeenkonzo zokucetyiswa kwamatyala ngokufanelekileyo, ukuphonononga imbali yobungcali kunye nokujonga amanyathelo oluleko angaphambili.
Iimfuno zolawulo lokuziqhelanisa zithetha ukuba abacebisi bamatyala kufuneka babonise iinkqubo zokulawula ukusebenza kwabo ngempumelelo. Oku kubandakanya iinkqubo zokugcina iifayile zetyala, ukunxibelelana nabathengi kunye nabanikezeli bekhredithi, ukulawula imihla ebekiweyo, kunye nokugcinwa kweerekhodi. I-NCR ilindele ukuba abacebisi basebenze ngokuchubekileyo nangocwangco. Kubacebisi abasebenzisa isoftware ezinikeleyo, ukubonisa ukuba iinkqubo zakho zixhasa umsebenzi wobuchule yinxalenye yenkqubo yesicelo.
I-inshurensi yembuyekezo yobuchwephesha iyafuneka ngokuqhelekileyo, kwaye ukuqhubeka nophuhliso lobungcali kuyimfuno eqhubekayo. Inkqubo yokufaka isicelo ibandakanya ukungenisa iifomu, iziqinisekiso zemfundo, ukujongwa kwengxelo yolwaphulo-mthetho, kunye namanye amaxwebhu nge-intanethi ye-NCR. Inkqubo yophononongo ithatha iiveki ukuya kwiinyanga. Izizathu eziqhelekileyo zokulibaziseka okanye ukulahlwa ziquka iziqinisekiso ezingaphelelanga, iirekhodi zolwaphulo-mthetho, ukungaphumeleli ukubonisa ubuchule bolawulo lokuziphatha, okanye iinkxalabo malunga nesimo esifanelekileyo kunye nesifanelekileyo somntu. Bakuba bebhalisiwe, abacebisi ngamatyala kufuneka bagcine ubhaliso lwabo ngohlaziyo lonyaka, iintlawulo zentlawulo, kunye nokuthotyelwa okuqhubekayo. Ubhaliso lobuqu kwaye aludluliseli.
Inkqubo yesicelo
Inkqubo yesicelo sobhaliso lwe-NCR iqhutywa kwi-intanethi ngokusebenzisa i-website ye-NCR portal. Isicelo siqala ngokudala i-akhawunti kwaye ukhethe udidi lobhaliso olufanelekileyo. Kubanikezeli bekhredithi, ukhetha udidi lwakho ngokusekelwe kubungakanani bencwadi yemboleko. Kubacebisi ngamatyala, ukhetha ubhaliso lomntu. I-portal ikukhokela kwiifomu ezifunekayo kunye namaxwebhu, kodwa ukulungiselela amaxwebhu akho kwangaphambili kuyayikhawulezisa inkqubo kakhulu.
Amaxwebhu afunekayo ahluka ngokwamacandelo kodwa abandakanya izatifikethi zokubhaliswa kwenkampani kubaniki-nkonzo yeentengo zemboleko, amaxwebhu ezazisi, iziqinisekiso kunye nokuhlolwa kweerekhodi zolwaphulo-mthetho kubacebisi bamatyala, iingxelo zemali, izicwangciso zoshishino, imigaqo-nkqubo yokuthotyelwa, kunye nobungqina beenkqubo kunye neenkqubo. I-NCR ibonelela ngoluhlu lokukhangela oluneenkcukacha zodidi ngalunye. Amaxwebhu angekhoyo okanye angaphelelanga sesona sizathu sixhaphakileyo solibaziseko.
Amaxesha okusebenza ayahluka ngokuxhomekeke kububunzima besicelo sakho kunye nomthwalo womsebenzi we-NCR. Izicelo ezilula ezinamaxwebhu apheleleyo zinokujongwa kwiiveki ezine ukuya kwezintandathu, ngelixa izicelo ezinzima zinokuthatha iinyanga ezintathu ukuya kwezintandathu. I-NCR inokucela ulwazi olongezelelweyo ngexesha lenkqubo yokuphonononga, eyandisa amaxesha amisiweyo. Imirhumo yesicelo kufuneka ihlawulwe xa ufaka isicelo sakho kwaye ayibuyiswa. Imirhumo iyahluka ngokwamacandelo kwaye ipapashwa kwiwebhusayithi ye-NCR.
Izizathu eziqhelekileyo zokwaliwa okanye ukulibaziseka ziquka amaxwebhu angaphelelanga, ukusilela ukubonisa ukuthotyelwa kweziseko zophuhliso, iinkxalabo malunga nokufaneleka kunye nesimo esifanelekileyo somntu, izibonelelo zemali ezingonelanga, okanye ukungaphumeleli ukuhlangabezana neemfuno zemfundo. I-NCR inokundwendwela indawo okanye udliwano-ndlebe njengenxalenye yenkqubo yophononongo, ngakumbi kubaniki-nkonzo beentengo zemboleko abakhulu okanye xa kuvela iinkxalabo. Xa isicelo sakho samkelwe, ufumana isatifikethi sobhaliso kunye nenombolo yobhaliso ekufuneka iboniswe kwindawo yakho yeshishini kwaye ibandakanywe kuyo yonke imbalelwano.
Iimbophelelo eziqhubekayo emva koBhaliso
Ukubhalisa ayisosiganeko sexesha elinye-kudala izibophelelo eziqhubekayo omele uhlangane nazo ukuze ugcine ubhaliso lwakho kwaye uphephe isenzo sokulawula. Uhlaziyo lonyaka luyafuneka phambi komhla wokugqiba ukubhalisa. Kufuneka uhlawule umrhumo wonyaka, ungenise izicelo zohlaziyo, kwaye ubonise ukuthotyelwa okuqhubekayo. Ukungaphumeleli ukuhlaziya kwangexesha kunokubangela ukuba kunqunyanyiswe okanye kucinywe kubhaliso.
Iimbuyekezo zeenkcukacha-manani mazingeniswe rhoqo kwi-NCR. Ababoneleli ngetyala kufuneka banike ingxelo ngeencwadi zemali-mboleko, amaxabiso okusilela, kunye neemetrics zokusebenza. Abacebisi bamatyala kufuneka banike ingxelo malunga nomthamo wamatyala, iziphumo kunye nemiba ekuhlangatyenwe nayo. Ukungaphumeleli ukungenisa iimbuyekezo okanye ukungenisa ulwazi olungachanekanga kunokubangela izohlwayo okanye amanyathelo olawulo.
Ukugcina iziseko ezingundoqo zokuthobela kuthetha ukuba iinkqubo zakho neenkqubo kufuneka ziqhubeke ukuhlangabezana nolindelo lwe-NCR. I-NCR inokuphicotha imisebenzi yakho nangaliphi na ixesha, kwaye kufuneka ubonise ukuba iisistim zakho ziyakuxhasa ukuthotyelwa okuqhubekayo. Kubanikezeli bekhredithi, oku kuthetha ukugcina iinkqubo ezifanelekileyo zokugcina iirekhodi agcina amaxwebhu ngamaxesha amiselweyo. Kubacebisi ngamatyala, oku kuthetha ukugcina iifayile zetyala ezibonisa inkqubo efanelekileyo kunye namaxwebhu apheleleyo.
Ukuphendula kwimibuzo ye-NCR kunye nophicotho-zincwadi kunyanzelekile. Xa i-NCR icela amaxwebhu, iqhuba uphicotho, okanye iphande ngezikhalazo, kufuneka uphendule ngokukhawuleza nangokupheleleyo. Ukuba neenkqubo ezikuvumela ukuba ubuyise amaxwebhu ngokukhawuleza kwaye uvelise iimpendulo ezihambelanayo zophicotho kunciphisa uxinzelelo kwaye ubonise ubuchwephesha. Iindlela zophicotho oluzenzekelayo ezinxulumanisa idata yeofisi kuvavanyo kwizigqibo zenza iimpendulo zophicotho zikhawuleze kwaye zigqibelele.
Ukugcina iinkcukacha zobhaliso zihlaziyiwe kuyafuneka. Ukuba utshintsha abalawuli, abaninizabelo, idilesi yeshishini, okanye ezinye iinkcukacha zezinto eziphathekayo, kufuneka wazise i-NCR ngokukhawuleza. Iziphumo zokungathotyelwa kwemigaqo ziqhubela phambili: i-NCR idla ngokuqala ngezilumkiso okanye izaziso zokuthotyelwa, emva koko inokuwisa izohlwayo, ifune inyathelo lolungiso, okanye irhoxise ubhaliso. Kwiimeko ezimandundu ezibandakanya ukungathotyelwa kwemigaqo, ukuboleka imali ngokungakhathali, okanye ukonakaliswa kwabathengi, i-NCR ingazicima kubhaliso iifemu okanye ithumele imiba kutshutshiso lolwaphulo-mthetho. Iifemu ezakha ukuthobela kuhambo lwazo lwemihla ngemihla zikufumana kulula ukuhlangabezana nezibophelelo ngokuthe rhoqo.
Indlela uBhaliso oluQhagamshela ngayo kuThotyelo loMsebenzi
Ubhaliso sisiqalo, hayi umgca wokugqibela. I-NCR inokuphicotha nanini na, kwaye iinkqubo zakho zokusebenza-indlela ozitsala ngayo iingxelo zamaziko, ukuvavanya ukufikeleleka, izigqibo zamaxwebhu, kunye nokugcinwa kweerekhodi-kufuneka zixhase ukuthotyelwa okuqhubekayo. Kulapho iifemu ezininzi zisokola: ziyawuphumelela umqobo wobhaliso kodwa ziyasilela ukugcina imigangatho yokusebenza elindelwe ngu-NCR.
Ngexesha lobhaliso, ubonisa ukuba uneenkqubo zokuhlangabezana nezibophelelo zakho. Nje ukuba ubhalisiwe, kufuneka usebenzise ezo nkqubo rhoqo. I-NCR ilindele ukubona ukuba imisebenzi yakho yemihla ngemihla ihambelana noko uzibophelele kuko ngexesha lobhaliso. Ukuba ubanga ukuba uneziseko zoncedo zokuthobela, abaphicothi-zincwadi baya kuqinisekisa ukuba ziyasetyenziswa. Umsantsa phakathi kwezibophelelo zobhaliso kunye neenyani zokusebenza kulapho kuvela khona iingxaki ezininzi zokuthobela.
Iinkqubo zakho zokutsala iingxelo ze-credit bureau kufuneka zicwangciswe kwaye zilandeleke. Xa ucela iingxelo ezivela kwi-Experian, Datanamix, okanye TransUnion, ezo zicelo kufuneka zifakwe kunye ne-timestamps kunye ne-attribution. Iingxelo ngokwazo kufuneka zilondolozwe njengoko bezikho ngexesha lovavanyo, zingathatyathelw’ indawo ziinguqulelo zamva. Xa iingxelo zitsalwa kwiiphothali zeofisi kwaye zigcinwe njengeePDF ngaphandle kokugawulwa ngokucwangcisiweyo, ukulandeleka kuyaqhekeka kwaye umngcipheko wokuthotyelwa uyanda.
Iinkqubo zokuhlola ukufikeleleka kufuneka zihambelane kwaye zibhalwe. I-NCR ilindele ukubona ukuba iimeko ezifanayo zivavanywa ngokufanayo. Ukuhamba komsebenzi okusemgangathweni okhokela abavavanyi ngamanyathelo afunekayo kwaye ubakhuthaze ukuba babhale iziphumo zenza ukuhambelana kwendalo. Amaxwebhu ezigqibo kufuneka adibanise iziphumo kwidatha kunye novavanyo oluye lwabazisa. Nokuba isicelo samkelwe, sikhatyiwe, okanye sithunyelwe, ingqiqo kufuneka ibhalwe kwaye ibotshelelwe kwiingxelo ezithile ze-bureau kunye nezibalo. Oku kudala ikhonkco elikhuselayo elilindelwe ngabaphicothi-zincwadi: le datha iholele kolu vavanyo, olukhokelela kwesi sigqibo, ngenxa yezi zizathu.
Iisistim zokugcinwa kweerekhodi kufuneka zigcine amaxwebhu ngamaxesha amiselweyo kwaye zenze ukuba zifikeleleke ukwenzela uphicotho. Iinkqubo ezibeka kumbindi wedatha yentengo yetyala, ezinxibelelanisa uvavanyo kwizigqibo, kwaye zibonelele ngokufikeleleka okuphendlekileyo kwiirekhodi zembali zixhasa ukulungela uphicotho. Xa iirekhodi zisasazeke kwimisonto ye-imeyile, iidrive ekwabelwana ngazo, kunye neenkqubo eziqhawulwe, ukudibanisa iimpendulo zophicotho kudla ixesha kunye nempazamo. Ubhaliso lubophelela kwimigangatho ethile, kwaye imisebenzi yakho kufuneka ihambelane naloo migangatho ngokungaguqukiyo. Iifemu ezakha ukuthobela kuhambo lwazo lwemihla ngemihla zifumanisa ukuba ukuhlangabezana nolindelo lwe-NCR kuba yindalo kunokuba luxanduva.
Xhasa iziBonelelo zakho ze-NCR ngeZixhobo eziLungileyo
Ubhaliso kwi-NCR ludala izibophelelo eziqhubekayo ezifuna iinkqubo ezicwangcisiweyo, amaxwebhu afanelekileyo, kunye nothotyelo olungaguqukiyo. Iinkqubo zakho zokusebenza-indlela otsala ngayo iingxelo ze-bureau, ukuvavanya ukufikeleleka, izigqibo zexwebhu, kunye nokugcina iirekhodi-kufuneka zixhase ezi zibophelelo. Xa uhlolo ngalunye ludityaniswe nomthombo wedatha, isigqibo ngasinye sibhalwe ngengqiqo ecacileyo, kwaye yonke irekhodi iyafikeleleka kuphicotho-zincwadi, ukuhlangabezana nolindelo lwe-NCR iba sisiphumo sendalo semisebenzi kunokuba kube ngumthwalo owahlukileyo.
Dibana no ukubhukisha idemo kwaye ubone ukuba umsebenzi wovavanyo lwetyala olucwangcisiweyo kunye neendlela zophicotho oluzenzekelayo zixhasa izibophelelo zakho eziqhubekayo zokuthobela i-NCR.