Ingxelo yeTyala yeTransUnion eMzantsi Afrika

ITransUnion lelinye lawona maziko amatyala makhulu kwaye anexesha elide elisekiwe eMzantsi Afrika, kwaye iingxelo zawo ziyinxalenye yegalelo eliqhelekileyo kubacebisi ngamatyala, ababolekisi bamatyala, kunye nabanikezeli bamatyala kwilizwe liphela. Njengezinye iziphumo zeofisi, iingxelo zeTransUnion zihlala zifika njengeePDF, nto leyo ethintela ukuba idatha inokuhlalutywa, ithelekiswe, kwaye iphinde isetyenziswe kuzo zonke iimeko. Kubasebenzi bekhredithi abaxhomekeke kwidatha yeTransUnion imihla ngemihla, ukuqonda ukuba yintoni ingxelo equlethweyo kunye nendlela yokuhamba ukusuka ekufundeni amaxwebhu ukuya kuhlalutyo olucwangcisiweyo kubalulekile. Esi sikhokelo sicacisa amacandelo aphambili engxelo yetyala leTransUnion kumxholo waseMzantsi Afrika, imida yokusebenza yohlalutyo lwemanuwali lwePDF, kunye nendlela ukwakhiwa kwedatha efanayo eyijika ibe yi-asethi elungele isigqibo.

Ziqulathe ntoni iiNgxelo zeTransUnion

Ingxelo yetyala leTransUnion eMzantsi Afrika yakhiwe kumacandelo amaninzi, ngalinye lisebenzela injongo ethile yomngcipheko kunye novavanyo lwesazisi. I-TransUnion ibambe iinkcukacha ezinzulu zomda worhwebo ngenxa yentatho-nxaxheba ebanzi yababolekisi ngemali kurhwebo loMzantsi Afrika, kwaye iingxelo zayo zondla kwiinkqubo ezininzi zokuthatha izigqibo zababolekisi. Ukwazi ukuba lithetha ukuthini icandelo ngalinye kukunceda utolike ingxelo ngokuchanekileyo kwaye ubone ukuba yintoni ebalulekileyo kwimeko yakho yosetyenziso. Ngomxholo obanzi malunga nemveliso yeofisi yokutolika, bona isikhokelo sethu ku- indlela yokufunda ingxelo yetyala ngobuchule.

Iiakhawunti zetyala kunye nezibonelelo (zivuliwe kwaye zivaliwe)

Ingxelo idwelisa zombini ii-akhawunti zetyala ezivulekileyo nezivaliweyo: amakhadi evenkile, imali-mboleko yomntu, imali yemoto, imali mboleko yezindlu, kunye nezinye izibonelelo. Kwi-akhawunti nganye ubona igama lombolekisi, inombolo ye-akhawunti (ihlala igqunywe ngokuyinxenye), umhla wokuvula, yangokuibhalansi, umda wetyala okanye isixa sokuqala, kunye nobume be-akhawunti (umzekelo, yangoku, esemva, evaliweyo). Ukwahlula okuvulelekileyo kwiiakhawunti ezivaliweyo kubalulekile xa kubalwa umlinganiselo wetyala-kwingeniso, ukuvavanya ukufikeleleka, okanye ukwakhiwa kwesindululo sohlengahlengiso lwetyala. Kwifomu yePDF, olu lwazi ludla ngokusasazwa kuzo zonke iitheyibhile nakwimihlathi, ngoko ke ukukhupha uluhlu olucocekileyo lwazo zonke izixhobo zomthengi omnye kudla ngokufuna ukuskena ngesandla kunye nokukopa. Ukhuselo lorhwebo olubanzi lweTransUnion luthetha ukuba ungabona umfanekiso opheleleyo wokuvezwa kwabathengi okanye iziko lorhwebo kubo bonke ababolekisi abathatha inxaxheba.

Imitya yeprofayile yentlawulo kunye nembali yokuziphatha

Imbali yentlawulo yenye yezona ndawo zinempembelelo kwingxelo. I-TransUnion iyibonisa kwiintambo zeprofayili yentlawulo ehleliweyo esebenzisa iikhowudi zamanani: umzekelo, i-0 ibonisa okwangoku, i-1 ibonisa inyanga enye kwi-arrears, i-2 ibonisa iinyanga ezimbini, njalo njalo. Ezi ntambo zikuvumela ukuba ubone iipatheni ngokuhamba kwexesha-intlawulo kade, ukungagqibeki okuphindaphindiweyo, okanye ukuphuculwa kwamva nje. Kubacebisi ngamatyala, oku kubalulekile xa ubeka phambili ii-akhawunti okanye ucacisela umxhasi ukuba kutheni ii-akhawunti ezithile zifakwe iflegi. Kubathengisi kunye nababolekisi, iqhuba umdla womngcipheko. Kwi-PDF, le mitya yimibhalo nje; ngaphandle kokwahlulahlula, awukwazi ukuthelekisa ngokulula kubo bonke abathengi okanye sebenzisa imithetho (umzekelo iflegi ukuba nayiphi na iakhawunti ibonisa iinyanga ezintathu okanye ngaphezulu ezilandelelanayo ngasemva). Ukuqonda iskimu sokukhowuda linyathelo lokuqala lokusebenzisa indlela yokuziphatha yentlawulo ngokucwangcisiweyo.

Izigwebo, ukungagqibeki, kunye noluhlu olubi

Izigwebo (imiyalelo yenkundla) kunye nokusilela (ukusilela okusesikweniisimo kunye nombolekisi) zivela njengamangeno ahlukeneyo okanye iiflegi kwingxelo. Banempembelelo ethe ngqo ekuzuzeni ityala kwaye kaninzi ekufanelekeni kwetyala elitsha okanye iziphumo zokuphononongwa kwetyala. Iingxelo zeTransUnion zibonisa imihla, iimali, kunye negama lombolekisi okanye inkundla. Ukuthobela kunye neengxoxo zabaxumi, kufuneka wazi ngokuthe ngqo ukuba zeziphi izigwebo kunye nokusilela ezikhoyo kwaye zarekhodwa nini. Kwifomathi yePDF, olu lwazi lungcwatywa kwiibhloko ezibalisayo okanye zetafile; ukutsala uluhlu oluhambelanayo kuye wonke umxhasi kuyadika kwaye kunempazamo. Oku kuyasebenza nakwezinye izintlu ezingalunganga ezinokuvela phantsi komthengi weTransUnion okanye idatha yorhwebo.

Imibuzo (inzima kwaye ithambile)

Ingxelo ibandakanya uluhlu lwemibuzo-ngubani oye wafikelela kwifayile yekhredithi yomboleki kwaye nini. Imibuzo enzima (umzekelo, izicelo zekhredithi) inokuchaphazela amanqaku kunye nenjongo yomqondiso wokuthatha amatyala amaninzi. Imibuzo ethambileyo (umzekelo, izibonelelo ezivunywe kwangaphambili okanye ufikelelo lwefemu yakho) ayidli ngokuyenza. Kubacebisi ngamatyala kunye nabarhwebi, icandelo lophando likunceda ukuba ubone umsebenzi wamva nje wesicelo kwaye uphephe ukutsalwa kabini; kubabolekisi, yazisa ubuqhophololo kunye nomngcipheko wesikhundla. KwiPDF olu luluhlu nje olunokufundwa ngesandla—awunakuhluza ngokulula ngohlobo, umhla, okanye ukubuza kwiingxelo ezininzi.

Amanqaku etyala kunye nezalathi zomngcipheko (TransUnion Empirica)

Amanqaku eTransUnion’s Empirica asetyenziswa kakhulu kwimarike yoMzantsi Afrika yokuboleka imali. Ingxelo inokubandakanya eli nqaku okanye ezinye izalathisi zomngcipheko ezishwankathela ukufaneleka kwetyala. Ziluncedo njengomqondiso okhawulezayo kodwa kufuneka ziqondwe ngokomxholo: amanqaku ewodwa akabonisi ukuba kutheniumntu unobungozi obuphezulu okanye obuphantsi. Uhlalutyo olufanelekileyo, udinga amacandelo angaphantsi (iiakhawunti, imbali yokuhlawula, izigwebo, imibuzo) ukuze ukwazi ukusebenzisa imithetho yakho yesigqibo kwaye uchaze iziphumo kubaxhasi kunye nabaphicothi-zincwadi. Kwifomu yePDF, amanqaku linani elikwiphepha; awunakuyitreka ekuhambeni kwexesha okanye uyithelekise ngokucwangcisiweyo kuyo yonke incwadi yakho. Xa ukuthelekisa iiofisi, amandla eTransUnion aquka idatha yawo yorhwebo ebanzi, imbali ende kwimarike yaseMzantsi Afrika, amanqaku e-Empirica, kunye nentatho-nxaxheba ebanzi yombolekisi.

Isazisi kunye nedatha yokuqinisekisa idilesi

Iingxelo zeTransUnion eMzantsi Afrika ziquka iinkcukacha ezinxulumene nesazisi ezisetyenziselwa ukuqinisekiswa: amagama, iinombolo zesazisi, kwaye ngamanye amaxesha iidilesi okanye iinkcukacha zoqhagamshelwano. Oku kuxhasa i-KYC kunye neetshekhi zokulwa nobuqhetseba. Kubasebenzi bekhredithi, ukuthelekisa idatha yesazisi sengxelo kwifayile yakho yomxhasi lulawulo olusisiseko; iiyantlukwano kufuneka ziphandwe. I-bureau ibamba idatha yabathengi kunye neyorhwebo, ngoko ke isazisi kunye nolwazi lwedilesi lunokuvela kumacandelo ahlukeneyo ngokuxhomekeke kwimveliso. Kwi-PDF, iindawo zesazisi zixutywa kunye nayo yonke ibali, ngoko ke akukho ndlela icwangcisiweyo yokuzijonga kwisikali.

Idatha kwingxelo yeTransUnion ixabisekile kwaye inegunya. Unyino asiloziko; kukuba kwifomu yePDF idatha ayikalungeli isigqibo. Awunakuthembela kwimithetho ezenzekelayo, uthelekise abathengi, okanye wenze utshintsho kwimbali ngaphandle kokuguqula umxholo ube yidatha ecwangcisiweyo.

Imida yokuSebenza yoHlahlo lweManuwali

IiPDF ziyilelwe ukujongwa nokuprintwa, hayi ukuhlalutya okanye ukuzenzela. Olo yilo ludala ngokweneneimida yokusebenza yakhe nabani na oqhuba ingxelo yeTransUnion (okanye elinye i-bureau) ngokomthamo.

Okokuqala, ukuhambelana phakathi kwamalungu eqela kuyahlupheka. Ingxelo inokubonakala njengetafile, kodwa kwinkqubo yiseti yemigca, iimilo, kunye neebhloko zeteksti. Akukho ntsimi yendalo yebhalansi, umtya wentlawulo, okanye umhla wokugweba-ngoko ke ngalo lonke ixesha umntu efuna ukusebenzisa olo lwazi, kufuneka ayifunde kwaye ayichwetheze kwenye indawo. Omnye umhlalutyi unokugxila kwindlela yokuziphatha yentlawulo yakutshanje; omnye unokulinganisa ukungagqibeki kwembali kakhulu. Umfaki-sicelo omnye okanye umxhasi unokuphathwa ngokwahlukileyo kuxhomekeke ekubeni ngubani ophonononga ifayile. Ngaphandle kokutsalwa okucwangcisiweyo, umgaqo ofanayo wesigqibo usetyenziswa ngokungaguqukiyo ekusebenzeni.

Okwesibini, isantya kunye nomngcipheko wephutha ukhula kunye nomthamo. Ukukopa iibhalansi, iikhowudi zokuhlawula, kunye nemihla ukusuka kwiiPDF ukuya kwispredishithi okanye iifayile zetyala ziyaphindaphindwa kwaye zithande ukuchwetheza, ukuthelekisa iakhawunti engalunganga, kunye namanani aphelelwe lixesha. Xa inani elinye lingalunganga, izibalo ezisezantsi kunye nezindululo zinokungalunganga nazo. Kwimeko elawulwayo, ezo mpazamo zinokujongela phantsi ukuthenjwa kwabathengi kunye neziphumo zophicotho. Oko kusebenzele iqaqobana lamatyala ngenyanga ayilawuleki xa ulungisa amakhulu eengxelo.

Okwesithathu, ukulandelela utshintsho ekuhambeni kwexesha kunzima. Ukubona indlela iprofayile yomthengi etshintsha ngayo—iiakhawunti ezintsha, ii-akhawunti ezihlawulwayo, ukuba mandundu okanye ukuphucula indlela yokuhlawula—kufuneka ugcine kwaye uthelekise idatha yengxelo ekuhambeni kwexesha. NgeePDF, oko kuthetha ukugcina ingxelo nganye njengefayile eyahlukileyo kwaye uzithelekise ngesandla xa kufuneka. Akukho khonkco eyakhelwe-ngaphakathi phakathi kotsalo olunye kunye nolulandelayo, ngokouhlalutyo lwentsingiselo kunye neembono zangaphambili/emva kokuba zinzima kakhulu kwaye zihlala zingagqitywanga.

Okwesine, ukuthotyelwa kunye nemingeni yophicotho-zincwadi iyaphindaphindeka. Xa i-NCR okanye umphicothi-zincwadi wangaphakathi ebuza ukuba isincomo sifikelelwe njani na, kufuneka ubhekisele kwidatha echanekileyo esetyenzisiweyo kunye nokuba itsalwe nini. NgeePDFs, oko kuthetha ukufumana ifayile elungileyo, ukuyivula, kwaye unethemba lokuba inguqulelo onayo yeyona isetyenziselwe isigqibo. Ugcino, uguqulelo, kunye “yeyiphi ingxelo esiyisebenzisileyo kweli tyala?” ibe ngumthwalo omkhulu njengoko umthamo ukhula.

I-takeaway: i-bottleneck ayifane ibe semgangathweni wedatha ye-TransUnion-kukuba idatha ebalaseleyo inikezelwa ngefomathi engaxhasi uhlalutyo olucwangcisiweyo, uthelekiso, okanye uphicotho. Ukulungisa loo msantsa wefomathi yinto evumela iifemu ukuba zisebenzise idatha yeTransUnion ngokufanelekileyo kwisikali.

Ukusuka kuXwebhu ukuya kwiNkxaso yesiGqibo

Xa idatha yeTransUnion (okanye enye i-bureau) icwangcisiwe-ihlaziywe kwiinkalo ezihambelanayo kwaye igcinwe kwinkqubo eqondayo ii-akhawunti, iintambo zokuhlawula, izigwebo, imibuzo, kunye namanqaku-ingxelo efanayo iba yinto eyahlukileyo ye-asethi.

Idatha eyakhiweyo ivumela ukutolika ngokukhawuleza kunye nokusetyenziswa komgaqo ongaguqukiyo. Endaweni yokuskrola kwiPDF, ubona isishwankathelo: ukuvezwa ngokupheleleyo, inani leeakhawunti ezisemva, ubukho bezigwebo okanye ukungagqibeki, ubalo lombuzo wamva nje. Imithetho efana “neflegi ukuba iprofayili yentlawulo ibonisa iinyanga ezintathu okanye ngaphezulu ezilandelelanayo kwi-akhawunti kuyo nayiphi na i-akhawunti” okanye “ingabandakanyi kunikezelo ukuba kukho isigwebo esingahlawulwanga kwiinyanga ezingama-24 ezidlulileyo” inokusetyenziswa ngendlela efanayo kumxhasi ngamnye. Oko kunciphisa ukungahambelani kunye nokuthambekela kwintengisohoc ingcaciso. Idatha yomthombo iseyiTransUnion; indlela oyisebenzisa ngayo iyaphinda kwaye ikhuseleke.

I-Case-to-case-consistency kunye namaxwebhu ayaphucula. Xa wonke umxhasi evavanywa usebenzisa isakhiwo kunye nemithetho efanayo, unokuthethelela izigqibo ngokucacileyo ngexesha lophicotho. Unokukhomba iinkcukacha ezichanekileyo ezisetyenzisiweyo, imigaqo esetyenzisiweyo, kunye nesitampu sexesha lengxelo-zonke ziphuma kwinkqubo enye. Ikhonkco phakathi kwedatha ye-bureau kunye nesiphumo sicacile, esomeleza ukuthotyelwa kunye nokunciphisa ingozi yomthetho kunye negama.

Ukuhamba komsebenzi kuyatshintsha ukusuka kwi-reactive ukuya kwi-proactive. Endaweni yokuvula iPDF nganye, uyifunde, kwaye unethemba lokuba akukho nto iphosiweyo, inkqubo ibeka iinyani eziphambili, isebenzisa imithetho yakho, kwaye igcina umkhondo ocacileyo wophicotho. Ungalandelela ukuvela kwetyala ngokuhamba kwexesha kumxhasi ngamnye ngokugcina ingxelo nganye itsalwa njengedatha ecwangcisiweyo kwaye uyidibanise nomxhasi kunye nomhla. Oko kuxhasa zombini iimeko zolawulo (umzekelo, inkqubela-phambili yokucetyiswa ngamatyala) kunye nolawulo lomngcipheko (umzekelo, isilumkiso kwangethuba xa iprofayile yomxhasi isiba mandundu). Ukuthathwa kwezigqibo okukhawulezileyo kuthatha indawo yokufunda ngokuqhubekayo.

Idatha yomthombo ayitshintshi: iseyingxelo yetyala yeTransUnion. Yintoni utshintsho kukusetyenziswa. Yiloo ndlela inkqubo yedatha ecwangcisiweyo ijika imveliso yeofisi ibe yinzuzo yokwenene kwiingcali zekhredithi zaseMzantsi Afrika.

Ngubani ofuna uHlahlelo lweTransUnion oluLungisiweyo

Uhlalutyo olucwangcisiweyo lwedatha yeTransUnion (kunye nezinye i-bureau) ifanelekile kuyo nayiphi na ifemu esebenzisa iingxelo zekhredithi ngokuphindaphindiweyo kwaye idinga ukuhambelana, isantya kunye nokuphicothwa.

Abacebisi ngamatyala baqhubela phambili iingxelo eziphinda-phindayo zovavanyo,uhlengahlengiso, kunye nokukhutshwa kufuneka kuthelekiswe idatha kubo bonke abathengi kwaye ngokuhamba kwexesha, bhala indlela iingcebiso ezafikelelwa ngayo, kwaye ujongane nomthwalo okhulayo wamatyala ngaphandle kokukhula ngokulinganayo kumsebenzi wezandla. Idatha eyakhiwe ixhasa yonke loo nto. Umgca worhwebo onzulu weTransUnion kunye nedatha yembali yokuhlawula iluncedo kakhulu ekwakheni uluhlu lwamatyala achanekileyo kunye nokubeka phambili iiakhawunti.

Abathengisi bamatyala abafaki-zicelo abafanelekileyo kwaye babafanise nababolekisi kufuneka bafunde umngcipheko kunye nokufikeleleka ngokukhawuleza, ukunqanda ukuphinda kufakwe izitshixo kwiiPDF, kwaye babonise inkqubo yobuchwephesha, engaguqukiyo. Xa idatha yeTransUnion icwangcisiwe, izikhombisi eziphambili kunye nomxholo wenqaku le-Empirica unokugqithiswa kunye nenye idatha ye-bureau kwindawo enye, ngoko ke uvavanyo lukhawuleza kwaye luhambelana.

Ababoneleli ngetyala ukwenza izigqibo zokubolekisa kufuneka basebenzise imigaqo yomgaqo-nkqubo ngokungaguqukiyo, balandelele umngcipheko wepotfoliyo, kwaye banelise iimfuno zophicotho-zincwadi lwangaphakathi nolulawulayo. Idata yeTransUnion izondla kwiinkqubo ezininzi zokuthatha izigqibo zababolekisi eMzantsi Afrika; xa loo datha ifanayo yakhiwe ngaphakathi kwindlu, ingqiqo yesigqibo ingasetyenziswa ngokufanayo kwaye icaciswe ngokucacileyo kuzo zombini izigqibo ezizenzekelayo kunye nezandla.

Amaqela ezigqibo zemali kwiibhanki, abathengisi, okanye ababolekisi beengcali abafuna ukulungelelana kubo bonke abavavanyi kunye nexesha lonke baxhamla kumbono omnye wedatha ye-bureau, kunye nemithetho kunye nembali kwindawo enye. Umboleki weTransUnion kunye noshishino olugubungelayo luyenza ibaluleke kuzo zombini izigqibo zetyala lomntu kunye neshishini.

Ngamafutshane: nayiphi na ifemu eqhuba idatha yekhredithi ephindaphindiweyo ngevolumu-nokuba ivela kwiTransUnion yodwa okanye isuka kwiTransUnion ecaleni kwe-Experian, Datanamix,okanye abanye-baya kubetha imida ye-PDF-based workflows. Abo baqulunqa idatha banokuyihlalutya ngokufanelekileyo, balinganise ngaphandle kwe-proportional overhead, kwaye bagcine izigqibo zikhuselekile kwaye zithobela.

Jonga indlela uhlalutyo olucwangcisiweyo olusebenza ngayo kwiZenzo

Iingxelo zetyala leTransUnion zisisiseko sovavanyo lwamatyala eMzantsi Afrika. Ukuzisebenzisa ngokufanelekileyo kuthetha ukuhamba ngaphaya kweePDF ezingatshintshiyo kunye nokuguqula idatha ye-bureau ibe yingcaciso ecwangcisiweyo, enokuthelekiseka, kunye nenokuphicothwa.

Dibana no ukubhukisha idemo kwaye ubone indlela esebenza ngayo indlela yohlalutyo olucwangcisiweyo: indlela izikhombisi eziphambili ezivela kwiTransUnion (kunye nezinye iiofisi) zivela ngokukhawuleza, imithetho yesigqibo isetyenziswa njani ngokuqhubekayo, kunye nendlela iqela lakho elinokuzihlalutya ngayo iingxelo zekhredithi ngokufanelekileyo-ngaphandle kokuphazamiseka ngesandla.