Ikhodi Yokuziphatha ye-CBA Yabasebenzisi Bedatha Yesikweletu

Wonke uchwepheshe wezikweletu eNingizimu Afrika ofinyelela idatha ye-bureau - kungaba nge-Experian, TransUnion, Datanamix, XDS, noma Compuscan - ungaphansi kwemithetho yokuthi leyo datha ingasetshenziswa, igcinwe, futhi yabiwe kanjani. I-Credit Bureau Association (CBA) ibeka Ikhodi Yokuziphatha elawula ukuziphatha kwawo womabili ama-bureau kanye nababhalisile. Ukuqonda le mithetho kubalulekile kunoma iyiphi inkampani edonsa imibiko yezikweletu njengengxenye yemisebenzi yayo.

Ikhodi Yokuziphatha iwuhlaka oluzilawulayo oluhambisana noMthetho Kazwelonke Wezikweletu kanye ne-POPIA, lusungula amazinga aqondene nemboni ethile mayelana nekhwalithi yedatha, izilawuli zokufinyelela, kanye nokusetshenziswa kolwazi lwezikweletu ngendlela efanele. Nakuba i-NCA ihlinzeka ngesisekelo esingokomthetho sokulawulwa kwezikweletu futhi i-POPIA ibusa ukuvikelwa kwedatha, Ikhodi ye-CBA yengeza izidingo ezinemininingwane mayelana nendlela idatha yehhovisi okufanele isingathwe ngayo. Kubahlinzeki bezikweletu, abeluleki ngezikweletu, kanye nabathengi bezikweletu, ukuthobela Ikhodi ye-CBA akuyona into yokuzikhethela — ukwephulwa komthetho kungaholela ekulahlekelweni kokungena kuma-bureau, okuvimbela ngempumelelo amafemu ekusebenzeni embonini yezikweletu.

Lesi sihloko sichaza ukuthi iyini i-Credit Bureau Association, ukuthi Ikhodi Yokuziphatha idingani, nokuthi ihlangana kanjani nezinye izibopho zakho zokulawula. Okubaluleke nakakhulu, kubonisa ukuthi lezi zidingo zihumusha kanjani amazinga okusebenza asebenzayo okufanele inkampani yakho ihlangabezane nawo nsuku zonke. Lapho konke ukudonsa kwehhovisi kufanele kuthethelelwe, konke ukufinyelela kwedatha kufanele kufakwe, futhi zonke izinyathelo zokuphepha kufanele ziboniseke, amasistimu ahlelekile akha ukuthobelana nokugeleza komsebenzi abaluleke kakhulu kunokuba abe ngokuzikhethela.

Iyini Inhlangano Yezikweletu

I-Credit Bureau Association yaseNingizimu Afrika iyinhlangano yezimboni emele izikhungo zezikweletu ezinkulu ezisebenza ezweni: i-Experian, i-TransUnion, i-Datanamix, i-XDS, ne-Compuscan (i-Consumer Profile Bureau). I-CBA yasungulwa ukuze ikhuthaze ukusetshenziswa okufanele kolwazi lwekhredithi, igcine amazinga ekhwalithi yedatha, futhi iqinisekise ukuthi idatha ye-bureau isebenzela izinjongo ezisemthethweni kuyilapho ivikela amalungelo abathengi.

Iqhaza leNhlangano lidlulela ngalé kokumeleleka okulula. Ibeka izindinganiso zomkhakha zekhwalithi yedatha, ukunemba, nokuphelela. Isungula imihlahlandlela yokuthi ama-bureau kufanele azisingathe kanjani izingxabano zabathengi, agcine amarekhodi, futhi anikeze ukufinyelela olwazini lwezikweletu. Futhi ibeka izindinganiso zababhalisi - amafemu afinyelela idatha ye-bureau - mayelana nezinjongo ezivumelekile, ukuvikeleka kwedatha, kanye nokusetshenziswa kolwazi lwezikweletu ngendlela efanele.

Ikhodi Yokuziphatha iyithuluzi eliyinhloko le-CBA lokuzilawula. Akuwona umthetho, kodwa usebenza ngokuhambisana noMthetho Kazwelonke Wezikweletu kanye ne-POPIA ukuze kwakhiwe uhlaka oluphelele lokulawulwa kwedatha yezikweletu. I-Bureaux engamalungu e-CBA izibophezela ekulandeleni Ikhodi, futhi ababhalisile abafinyelela idatha ye-bureau ngamalungu e-CBA kulindeleke ukuthi bathobele izibopho zababhalisile ezibekwe kuKhodi.

Ikhodi ihlanganisa izindawo ezimbalwa ezibalulekile: ikhwalithi yedatha kanye nezimfuneko zokunemba, inhloso evumelekile yokufinyelela idatha, amalungelo omthengi ahlanganisa ukufinyelela nokuxazulula izingxabano, amazinga okuphepha kwedatha, ukusetshenziswa kolwazi lwekhredithi ngendlela efanele, kanye nokuphathwa ngendlela efanele kwabathengi. Lezi zidingo zisebenza kuwo womabili ama-burea kanye nababhalisile, okwenza izibopho zawo wonke umuntu ku-ecosystem yedatha yekhredithi.

Kochwepheshe bezikweletu, ukuqonda indima ye-CBA kusiza ukucacisa ukuthi kungani izimfuneko ezithile zikhona nokuthi zingena kanjani endaweni ebanzi yokulawula. Ikhodi ayiyona into engasho lutho — ibonisa izinqubo ezingcono kakhulu zemboni kanye nokulindelwe yimithetho, futhi isiza ekuqinisekiseni ukuthi idatha yehhovisi ihlala ithembekile, ivikelekile, futhi isetshenziswa ngendlela efanele kuyo yonke imboni yezikweletu.

Izimiso Ezibalulekile Zendlela Yokuziphatha

Ikhodi Yokuziphatha ye-CBA isungula izimiso ezimbalwa ezibalulekile ezilawula indlela idatha yehhovisi okufanele isingathwe ngayo. Le migomo isebenza kuwo womabili ama-bureau kanye nababhalisile, okwenza uhlaka lokusebenzisa idatha ngendlela efanele kuyo yonke imboni yezikweletu.

Ikhwalithi yedatha nokunemba kuyisisekelo. I-Bureaux kufanele igcine ulwazi lwezikweletu olunembile, oluphelele, nolwakamuva. Kumelwe babe nezinqubo ezikhona zokuqinisekisa idatha ngaphambi kokuba irekhodwe, ukulungisa amaphutha ngokushesha lapho ekhonjwa, kanye nokuqinisekisa ukuthi ulwazi oluphelelwe isikhathi luyasuswa noma lubuyekezwa ngendlela efanele. Ababhalisile abahambisa idatha kuma-bureaux kufanele baqinisekise ukuthi ulwazi abalunikezayo lunembile futhi luphelele. Kochwepheshe bezikweletu abadonsa imibiko, lokhu kusho ukuthembela kudatha okufanele ithembeke, kodwa futhi kusho ukuqonda ukuthi amaphutha angenzeka nokuthi izinqubo zokuphikisa zikhona ngesizathu.

Inhloso evumelekile yokufinyelela idatha iwumgomo obalulekile. Idatha yehhovisi ingafinyelelwa kuphela ngezinjongo zebhizinisi ezisemthethweni ezihlobene ngokuqondile nokuhlolwa kwekhredithi, ukuphathwa kwe-akhawunti, ukuqoqwa kwezikweletu, noma eminye imisebenzi evunyelwe ngokucacile ngaphansi Kwekhodi kanye Nomthetho Kazwelonke Wezikweletu. Ukudonsa imibiko ngaphandle kwesizathu esizwakalayo kwephula Ikhodi futhi kungaholela ekulahlekelweni kokufinyelela ehhovisi. Konke ukudonsa kwehhovisi kufanele kuxhunyaniswe nenhloso yebhizinisi ethize, ebhalwe phansi - kungakhathaliseki ukuthi lokho ukuhlola isicelo sesikweletu, ukuphatha i-akhawunti ekhona, ukwenza ukuhlolwa kokwelulekwa ngezikweletu, noma omunye umsebenzi ovunyelwe.

Amalungelo abathengi ayisisekelo seKhodi. Abathengi banelungelo lokufinyelela ulwazi lwabo lwekhredithi, lokuphikisa idatha enganembile, lokuthola izilungiso lapho kutholakala amaphutha, nokuqonda ukuthi idatha yabo isetshenziswa kanjani. I-Bureaux kufanele inikeze izindlela zokuthi abathengi bathole imibiko yabo, balethe izingxabano, futhi bathole izimpendulo phakathi nezikhathi ezibekiwe. Ababhalisile kufanele bahloniphe la malungelo futhi akufanele basebenzise idatha yehhovisi ngezindlela ezephula ubumfihlo babathengi noma izimiso zokuphatha ngendlela efanele.

Ukuvikeleka kwedatha akuxoxiswana ngakho. Ikhodi idinga ukuthi idatha yehhovisi ivikelwe ekufinyeleleni okungagunyaziwe, ekulahlekeni, noma kudalulwe. Lokhu kusebenza kuzo zombili izikhungo kanye nababhalisile. Ochwepheshe bezikweletu abafinyelela idatha yehhovisi kumele basebenzise izinyathelo zokuphepha ezifanele ezihlanganisa ukubethela, izilawuli zokufinyelela, nesitoreji esivikelekile. Ikhodi ayinikezi izindinganiso ezithile zobuchwepheshe, kodwa idinga ukuthi izinyathelo zokuphepha zifanele ukuzwela kwedatha - futhi idatha yekhredithi iphakathi kwezigaba ezibucayi kakhulu zolwazi lomuntu siqu.

Ukusetshenziswa ngokunesibopho kolwazi lwekhredithi kusho ukuthi idatha kufanele isetshenziselwe izinjongo okwafinyelelwa ngayo kuphela, akufanele kwabelwane ngayo ngaphandle kwezinkampani ezigunyaziwe, futhi kufanele isingathwe ngezindlela ezihlonipha ubumfihlo nesithunzi sabathengi. Ikhodi iyakwenqabela ukusebenzisa idatha ye-bureau ngokuhlukumeza, ukucwasa, noma ezinye izenzo ezingalungile. Kudinga ukuthi idatha isetshenziswe ngendlela efanele futhi esobala, nokuthi abathengi baqonde ukuthi ulwazi lwabo lusetshenziswa kanjani.

Ukuphathwa kahle kwabathengi kudinga ukuthi ochwepheshe bezikweletu basebenzise idatha ye-bureau ukuze benze izinqumo ezinobulungiswa, ezingaguquki. Ikhodi iyakwenqabela ukusebenzisa ulwazi lwezikweletu ngezindlela ezibandlulula ngokungafanele noma eziphatha abathengi abafanayo ngendlela ehlukile ngaphandle kwezizathu. Lo mgomo usekela umgomo obanzi wokuqinisekisa ukuthi izimakethe zezikweletu zisebenza ngendlela efanele nokuthi abathengi baphathwa ngokulinganayo.

Lezi zimiso zisebenza ndawonye ukuze kwakhe uhlaka lokusebenzisa idatha yekhredithi ngendlela efanele. Azizona izidingo ezihlukene - zingamazinga axhumene okufanele ochwepheshe bezikweletu bahlangabezane nazo kanyekanye. Ukuqonda le migomo kusiza amafemu akhe izinqubo nezinhlelo ezihambisana neKhodi ngokwemvelo esikhundleni sokuthatha ukuthobelana njengento ehlukile.

Inhloso Evumelekile — Lapho Ungakwazi Ukudonsa Umbiko

Ikhodi Yokuziphatha ye-CBA icacile: idatha yehhovisi ingafinyelelwa kuphela ngenjongo evumelekile. Le mfuneko ayiyona into esemthethweni — ingumthetho oyisisekelo ovikela ubumfihlo bomthengi futhi oqinisekisa ukuthi ulwazi lwezikweletu lusetshenziswa ngendlela efanele. Ukuqonda ukuthi yini eyakha inhloso evumelekile kubalulekile kunoma yimuphi uchwepheshe wezikweletu ofinyelela idatha ye-bureau.

Inhloso evame kakhulu evunyelwe ukuhlola isicelo sesikweletu. Lapho umthengi efaka isicelo sekhredithi - kungaba imalimboleko, ikhadi lesikweletu, i-akhawunti yesitolo, noma enye indawo - umnikezi wesikweletu angase adonse umbiko wehhovisi ukuze ahlole ukufaneleka kwekhredithi, aqinisekise ubunikazi, futhi anqume ukukhokhela. Le nhloso ivunyelwe ngokusobala ngaphansi kokubili kweKhodi ye-CBA kanye noMthetho Kazwelonke Wezikweletu, odinga abahlinzeki bezikweletu ukuthi benze ukuhlola okufanele ngaphambi kokwelula isikweletu.

Ukuphatha i-akhawunti enye inhloso evumelekile. Uma umnikezi wesikweletu ephethe i-akhawunti ekhona - ukubuyekeza imikhawulo yekhredithi, ukuhlola ubungozi, noma ukwenza izinqumo mayelana nemibandela ye-akhawunti - ukufinyelela idatha ye-bureau kungase kuthetheleleke. Kodwa-ke, le nhloso kufanele icace futhi ibhalwe phansi. Ukuqapha okujwayelekile ngaphandle kwesizathu esicacile sebhizinisi kungase kungafaneleki njengenjongo evumelekile, ikakhulukazi uma kwenzeka njalo ngaphandle kwezizathu.

Imisebenzi yokuqoqa izikweletu ingase ivumele ukufinyelela kwehhovisi lapho umqoqi edinga ukuthola umthengi, aqinisekise ubunikazi, noma ahlole amandla okukhokha. Kodwa-ke, iKhodi idinga ukuthi imisebenzi yokuqoqwa kwezikweletu iqhutshwe ngendlela efanele futhi nokuthi imininingwane yehhovisi ingasetshenziselwa ukuhlukumeza noma imikhuba engalungile. Inhloso evumelekile kufanele kube ukuqoqwa kwezikweletu okusemthethweni, hhayi nje ukufinyelela idatha ukuze icindezele abathengi.

Ukuhlolwa kokuqashwa kuyinjongo evumelekile ezimeni ezinomkhawulo. Uma isikhundla sibandakanya isibopho sezezimali noma ukufinyelela ezinsizeni zezezimali, abaqashi bangase bafinyelele imibiko yezikweletu njengengxenye yokuhlolwa kwesizinda. Kodwa-ke, le njongo ikhawulelwe kakhulu kunokuhlola izikweletu, futhi abaqashi kufanele baqinisekise ukuthi ukuhlolwa kwezikweletu kuyadingeka futhi kuhambisana nendima. IKhodi idinga ukuthi ukuhlolwa kokuqashwa kwenziwe ngendlela efanele futhi abathengi baqonde ukuthi kungani ulwazi lwabo lwezikweletu lufinyelelwa.

Ukuhlolwa kokwelulekwa kwezikweletu kuvunyelwe ngokusobala. Uma umeluleki wezikweletu ehlola ukungena ezikweletini komthengi ngokweqile, ethuthukisa iziphakamiso zokuhlela kabusha, noma ephethe udaba lokubuyekezwa kwezikweletu, ukufinyelela imibiko ye-bureau kuyadingeka futhi kuvunyelwe. Umthetho Kazwelonke Wezikweletu udinga ukuthi abeluleki bezikweletu benze ukuhlola okufanele, futhi imininingwane ye-bureau ibalulekile kule njongo.

Imfuneko eyinhloko ukuthi yonke i-bureau edonsayo kufanele ixhunywe nenhloso yebhizinisi ethize, ebhaliwe. Ukudonsa imibiko “uma kwenzeka nje” noma yokuqapha jikelele ngaphandle kwesizathu esicacile kwephula Ikhodi. Ochwepheshe bezikweletu kumele bakwazi ukuchaza ukuthi kungani umbiko ngamunye ukhishwe, ukuthi ufeze yiphi injongo, nokuthi usetshenziswe kanjani. Le mfuneko yamadokhumenti isekela kokubili ukuthobela kwe-CBA kanye nezibopho ezibanzi Ukuhambisana noMthetho Wezikweletu Kazwelonke.

IKhodi futhi iyakwenqabela ukusetshenziswa okuthile. Idatha yehhovisi ngeke isetshenziselwe izinjongo zokumaketha ngaphandle kwemvume ecacile. Angeke yabiwe nezinkampani zangaphandle ezingagunyaziwe. Angeke isetshenziselwe ukuhlukumeza, ukucwasa, noma ezinye izenzo ezingalungile. Lokhu kwenqatshelwa kucacile, futhi ukwephulwa komthetho kungaholela ekulahlekelweni kokufinyelela kumahhovisi kanye nesenzo sokulawula esingaba khona.

Kochwepheshe bezikweletu, okushiwo ukuthi konke ukudonsa kwe-bureau kumele kuthethelelwe futhi kubhalwe phansi. Amasistimu angena ngokuzenzakalelayo ukuthi ubani okhiphe umbiko, nini, futhi ngasiphi isicelo noma icala asekela le mfuneko. Uma kwenzeka ukucwaninga kwamabhuku noma kuvela izikhalazo, amafemu kufanele akwazi ukukhombisa ukuthi konke ukufinyelela bekungokwenhloso evumelekile nokuthi inhloso yayibhalwe phansi ngesikhathi sokufinyelela.

Ukunemba Kwedatha kanye Nokuxazululwa Kwezingxabano

Ikhodi Yokuziphatha ye-CBA igcizelela kakhulu ukunemba kwedatha futhi inikeza izindlela zokuthi abathengi baphikise ulwazi olungalungile. Lokhu kugxila kukhombisa ukubaluleka okubalulekile kwedatha yekhredithi ethembekile kubo bobabili abathengi kanye nezingcweti zezikweletu. Uma imininingwane ye-bureau ingalungile, abathengi bangase banqatshelwe isikweletu ngokungafanele, futhi ochwepheshe bezikweletu bangenza izinqumo ngokusekelwe olwazini olungalungile.

I-Bureaux kufanele igcine amarekhodi anembile. IKhodi idinga ukuthi izikhungo ziqinisekise idatha ngaphambi kokuyiqopha, ibuyekeze imininingwane ngokushesha lapho izinguquko zenzeka, futhi isuse imininingwane ephelelwe yisikhathi ngokufanele. I-Bureaux kufanele ibe nezinqubo ezikhona zokuqinisekisa ikhwalithi yedatha, okuhlanganisa ukuhlola kokuqinisekisa, ukubuyekezwa okuvamile, nezindlela zokuhlonza nokulungisa amaphutha. Kochwepheshe bezikweletu, lokhu kusho ukuthi imibiko yehhovisi kufanele ithembeke, kodwa futhi kusho ukuqonda ukuthi amaphutha angenzeka nokuthi izinqubo zokungaboni ngaso linye zikhona ngesizathu.

Ochwepheshe bezikweletu abahambisa idatha kuma-bureaux banezibopho futhi. Lapho unikeza umlando wokukhokha, isimo se-akhawunti, noma olunye ulwazi kuma-bureaux, ababhalisile kufanele baqinisekise ukuthi idatha inembile futhi iphelele. Ukuhambisa idatha engalungile kwephula Ikhodi futhi kungalimaza abathengi. Abahlinzeki bezikweletu kufanele babe nezinqubo zokuqinisekisa idatha ngaphambi kokuthunyelwa kanye nokulungisa amaphutha ngokushesha lapho ekhonjwa.

Abathengi banelungelo lokuphikisa ulwazi olungalungile. Ikhodi idinga ukuthi ama-bureau ahlinzeke ngezindlela ezicacile ukuze abathengi balethe izingxabano, ukuthi izingxabano ziphenywe ngokushesha, nokuthi abathengi bathole izimpendulo phakathi nezikhathi ezibekiwe. Uma umthengi ephikisana nolwazi, i-bureau kufanele iphenye, ithinte umhlinzeki wedatha uma kunesidingo, futhi ilungise ulwazi noma ichaze ukuthi kungani ingxabano ingasekelwanga.

Inqubo yokuxazulula izingxabano ngokuvamile ibandakanya izinyathelo ezimbalwa. Umthengi uhambisa ingxabano, ngokuvamile esebenzisa iwebhusayithi ye-bureau noma imigudu yesevisi yamakhasimende. I-bureau iphenya ingxabano, engabandakanya ukuxhumana nombolekisi noma umhlinzeki wedatha othumele ulwazi. Uma ingxabano ivumelekile, i-bureau ilungisa ulwazi futhi yazise umthengi. Uma ingxabano ingavunyelwa, ihhovisi lichaza isinqumo futhi linikeze ulwazi mayelana nezinketho zokuthola usizo.

Izikhathi zokuxazulula izingxabano zibalulekile. Ikhodi idinga ukuthi izikhungo ziphendule ezingxabanweni phakathi nezikhathi ezifanele, ngokuvamile zingakapheli izinsuku zebhizinisi ezingama-20. Lokhu kuqinisekisa ukuthi abathengi bathola isixazululo ngesikhathi kanye nokuthi ulwazi olungalungile aluqhubeki ngokungadingekile. Ochwepheshe bezikweletu abathola izaziso zezingxabano kuma-bureau kufanele baphendule ngokushesha ukuze basekele inqubo yokuxazulula.

Kochwepheshe bezikweletu, ukuqonda inqubo yengxabano kusiza ngezindlela ezimbalwa. Lapho abathengi beveza ukukhathazeka mayelana nemibiko yabo yezikweletu, ochwepheshe bezikweletu bangachaza ukuthi bazithumela kanjani izingxabano nokuthi yini okufanele bayilindele. Lapho izingxabano zixazululwa futhi imibiko ilungiswa, ochwepheshe bezikweletu kungase kudingeke babuyekeze izinqumo ebezisekelwe olwazini olungalungile lwangaphambilini. Ukuqonda ukuthi idatha ye-bureau ingaphikiswa futhi ilungiswe kusiza ochwepheshe bezikweletu ukuthi basebenzise leyo datha ngendlela efanele nangendlela efanele.

IKhodi futhi idinga ukuthi ama-bureau agcine imigudu yokucwaningwa kwamabhuku yezingxabano kanye nezilungiso. Lokhu kuqinisekisa ukuthi izinguquko olwazini lwekhredithi ziyabhalwa futhi ziyalandeleka, okusekela ikhwalithi yedatha futhi kusize ukuxazulula izingxabano ezizayo. Kochwepheshe bezikweletu, lokhu kusho ukuthi ulwazi olulungisiwe kufanele lwethembeke nokuthi inqubo yengxabano yakhelwe ukuthuthukisa ukunemba kwedatha ngokuhamba kwesikhathi.

Ukunemba kwedatha akuyona nje imfuneko yokuthobelana - kubalulekile ezimakethe zezikweletu ezinobulungiswa. Uma idatha ye-bureau inembile, ochwepheshe bezikweletu bangenza izinqumo ezinolwazi, abathengi bathole ukuphathwa ngendlela efanele, futhi izimakethe zezikweletu zisebenze kahle. Ukugxila kweKhodi ye-CBA ekunembeni nasekuxazululeni izingxabano kusekela lezi zinhloso ngokuqinisekisa ukuthi amaphutha ayatholwa futhi ayalungiswa ngokushesha.

Izibopho zababhalisile

Njengomuntu obhalisile - inkampani efinyelela idatha yehhovisi - unezibopho ezithile ngaphansi Kwekhodi Yokuziphatha ye-CBA. Lezi zibopho azikho ongazikhethela zona, futhi ukwephulwa komthetho kungaholela ekulahlekelweni kokufinyelela ehhovisi, okuvimbela inkampani yakho ekusebenzeni embonini yezikweletu. Ukuqonda lezi zibopho kanye nokuzakhela emisebenzini yakho kubalulekile ukuze ugcine ukungena kwehhovisi nokusebenza ngokusemthethweni.

Kufanele usebenzise idatha kuphela ngezinjongo ezivumelekile. Yonke imizamo yehhovisi kumele ixhunyaniswe nenhloso yebhizinisi ethize, ebhalwe phansi efaneleke njengenhloso evumelekile ngaphansi kweKhodi. Ukudonsa imibiko ngaphandle kwesizathu esizwakalayo kwephula Ikhodi. Lokhu kusho ukuthi amasistimu akho kufanele asekele imibhalo yezinjongo, futhi abasebenzi bakho kufanele baqonde ukuthi yini eyakha inhloso evumelekile uma kuqhathaniswa nalokho okungenjalo. Ukuqeqesha abasebenzi ngezimfuneko zenjongo evumelekile kubalulekile, kanye nezinhlelo ezikhuthaza ukubhalwa kwenhloso ngesikhathi sokuthobela ukusekela kokufinyelela.

Kufanele ugcine ukuvikeleka okwanele. Ikhodi idinga ukuthi idatha yehhovisi ivikelwe ekufinyeleleni okungagunyaziwe, ekulahlekeni, noma kudalulwe. Lokhu kusho ukusebenzisa izinyathelo ezifanele zobuchwepheshe nezenhlangano ezihlanganisa ukubethela lapho uphumule futhi usendleleni, izilawuli zokufinyelela, isitoreji esivikelekile, futhi lapho kufanele khona, ukuqinisekiswa kwezinto eziningi. Izinyathelo zokuphepha kufanele zilingane nokuzwela kwedatha, futhi idatha yekhredithi iphakathi kwezigaba ezibucayi kakhulu. Amasistimu asebenzisa izilawuli zokufinyelela ezisekelwe endimeni kanye namalogi okuhlola abanzi asekela lezi zibopho zokuphepha.

Kufanele uqeqeshe abasebenzi ngokuphathwa kwedatha ngendlela efanele. Akuwona wonke umsebenzi odinga ukuqonda yonke imininingwane yeKhodi, kodwa abasebenzi abafinyelela idatha yehhovisi kufanele baqonde izimfuneko ezivunyelwe zezinjongo, izibopho zokuphepha, kanye nemikhawulo ekwabelaneni ngedatha. Ukuqeqeshwa kufanele kube njalo, kubhalwe phansi, futhi kubuyekezwe lapho izidingo zishintsha. Abasebenzi abephula Ikhodi bangadala isibopho senhlangano yakho yonke, ngakho ukuqinisekisa ukuthi wonke umuntu uyaziqonda izibopho zabo kubalulekile.

Akumele wabelane ngedatha yehhovisi ngaphandle kwezinjongo ezigunyaziwe. Imibiko yehhovisi ngeke yabiwe nabanye abantu ngaphandle uma ukwabelana kudingekile ngenjongo evunyelwe futhi kugunyazwe ngaphansi Kwekhodi. Lokhu kusho ukuthi ukwabelana ngemibiko nozakwethu, abathengisi, noma ezinye izinhlangano ngaphandle kwesizathu esicacile kwephula Ikhodi. Uma udinga ukwabelana ngedatha nabahlinzeki besevisi, izivumelwano ezifanele nokugunyazwa kufanele kube khona, futhi ukwabelana kufanele kudingeke ngenjongo yebhizinisi esemthethweni.

Kufanele uhambisane nezidingo zokugcinwa. Ikhodi ayizicacisi izikhathi eziqondile zokugcina - lezo zibekwe yi-Credit Bureau Regulations - kodwa idinga ukuthi idatha ingagcinwa isikhathi eside kunesidingo nokuthi izinqubomgomo zokugcinwa zicace futhi zibhalwe phansi. Izidingo zokugcina amarekhodi ngaphansi koMthetho Kazwelonke Wezikweletu kungase kudinge ukugcinwa isikhathi eside kunezikhathi eziNCAne ezishiwo emithethweni, ngakho-ke kufanele ulinganisele izidingo eziningi. Amasistimu aphatha ngokuzenzakalelayo ukugcinwa ngokusekelwe kuzinqubomgomo asekela ukuthobelana ngokuphumelelayo kunezinqumo zokugcinwa mathupha.

Kufanele uphendule izicelo zabathengi ngendlela efanele. Uma abathengi becela ukufinyelela kudatha yabo yekhredithi noma behambisa izingxabano, kufanele uphathe lezi zicelo ngokushesha nangokungakhethi. Nakuba ama-bureau esingatha ukusebenzelana okuningi kwabathengi ngokuqondile, ababhalisile bangase bathole izicelo noma badinge ukuhlinzeka ngolwazi ukuze basekele ukuxazululwa kwezingxabano. Ukuba nezinqubo zokusingatha lezi zicelo kusekela kokubili ukuthobela Ikhodi kanye nesevisi enhle yamakhasimende.

Kufanele unakekele izindlela zokucwaninga. Ikhodi idinga ukuthi ukufinyelela kudatha ye-bureau kufakwe futhi kulandeleke. Lokhu kusho ukurekhoda ukuthi ubani okhiphe imuphi umbiko, nini, futhi ngayiphi injongo. Izindlela zokuhlola eziphelele asekela kokubili ukuthobela Ikhodi kanye nezibopho zokulawula ezibanzi, futhi amasistimu angena ngokuzenzakalelayo kukho konke ukufinyelela adala izindlela zokucwaninga ezinamandla kunokugcina amarekhodi mathupha.

Ukwephulwa kwezibopho zababhalisile kungaholela ekulahlekelweni kokufinyelela kwehhovisi. I-Bureaux ingase imise noma inqamule ukufinyelela kwamafemu ezephula Ikhodi, ikakhulukazi ngenxa yokwephulwa okubucayi njengokufinyelela idatha ngaphandle kwenjongo evunyelwe, ukwabelana ngedatha ngokungafanele, noma ukwehluleka ukugcina ukuvikeleka okwanele. Ukulahlekelwa ukufinyelela kuma-bureau kuvimbela ngempumelelo amafemu ekusebenzeni embonini yezikweletu, ngakho ukuthobela umthetho akukona ukuzikhethela.

Okushiwo okungokoqobo ukuthi izibopho zababhalisile kufanele zakhelwe emisebenzini yakho yansuku zonke. Amasistimu angena ngokuzenzakalelayo ukufinyelela, atshela amadokhumenti ngenjongo, asebenzisa izilawuli zokufinyelela, futhi aphathe ukuthobelana nokusekelwa kokugcinwa ngempumelelo kunezinqubo ezenziwa mathupha. Abasebenzi abaqeqeshayo, izinqubomgomo zokubhala, kanye nokwenza ukubuyekezwa okuvamile kuqinisekisa ukuthi izibopho ziyahlangatshezwana nazo. Uma ukuthobela kwakhelwa ekugelezeni komsebenzi kunokuba kuthathwe njengokukhathazeka okuhlukile, izibopho zomhlangano zababhalisile ziba ngokwemvelo kunokuba zibe umthwalo.

Indlela Ikhodi Ye-CBA Ihlangana Ngayo Ne-NCA kanye ne-POPIA

Ikhodi Yokuziphatha ye-CBA ayitholakali yodwa. Isebenza ngokuhambisana noMthetho Kazwelonke Wezikweletu kanye ne-POPIA, idala uhlaka oluphelele lokulawula lokulawula idatha yezikweletu. Ukuqonda ukuthi lezi zinhlaka ezintathu zihlangana kanjani kubalulekile kochwepheshe bezikweletu okufanele bahambisane nazo zonke ngesikhathi esisodwa.

Umthetho Kazwelonke Wezikweletu unikeza isisekelo esingokomthetho sokulawula izikweletu. Isungula izimfuneko zokuhlolwa kwekhredithi, izibalo zokukwazi ukukhokhela, ukudalulwa, nokugcinwa kwamarekhodi. Iyakwenqabela ukuboleka imali ngobudedengu futhi idinga abahlinzeki bezikweletu ukuthi benze ukuhlola okufanele ngaphambi kokwelula isikweletu. I-NCA futhi isungula inqubo yokubuyekezwa kwezikweletu futhi ibeke izidingo zabeluleki bezikweletu. Kochwepheshe bezikweletu, ukuthobela i-NCA kuyisibopho futhi kuphoqelelwe UMlawuli Kazwelonke Wezikweletu.

I-POPIA ilawula ukuvikelwa kwedatha. Isungula izimo zokucutshungulwa okusemthethweni kolwazi lomuntu siqu, idinga izinyathelo zokuphepha ezifanele, futhi inikeza izihloko zedatha amalungelo ahlanganisa ukufinyelela, ukulungisa, nokuphikisa. I-POPIA isebenza kulo lonke ulwazi lomuntu siqu, okuhlanganisa nedatha yekhredithi, futhi idinga abantu abanomthwalo wemfanelo ukuthi basebenzise izinyathelo zobuchwepheshe nezenhlangano zokuvikela idatha. Ukuthobela i-POPIA kuyimpoqo futhi kuphoqelelwa nguMlawuli Wolwazi.

Ikhodi ye-CBA yengeza amazinga aqondene nomkhakha wedatha yehhovisi. Isungula izimfuneko zekhwalithi yedatha, injongo evumelekile, amalungelo omthengi, nokuvikeleka okuqondene ngqo nolwazi lwe-credit bureau. Nakuba Ikhodi iyazilawula kunokuba ibe ngokomthetho, isebenza kanye ne-NCA kanye ne-POPIA ukuze kudaleke izidingo ezinemininingwane yokuthi idatha yehhovisi kufanele isingathwe kanjani ngokuqondile.

Zontathu izinhlaka zisebenza kanyekanye. Lapho umhlinzeki wezikweletu edonsa umbiko we-bureau ukuze ahlole isicelo, izimfuneko ze-NCA zilawula indlela ukuhlolwa okufanele kwenziwe ngayo, izimfuneko ze-POPIA zibusa ukuthi idatha kufanele ivikelwe kanjani, futhi izimfuneko Zekhodi ye-CBA zilawula ukuthi idatha ye-bureau kufanele isetshenziswe kanjani ngokuqondile. Ukuthobela uhlaka olulodwa akuqinisekisi ukuthobelana nolunye - kodwa izidingo eziningi ziyedlulana, zidale amathuba ezindlela zokuthobelana ezididiyelwe.

Izilawuli zokufinyelela ziyisibonelo esihle sokugqagqana. I-NCA idinga ukuthi ukuhlolwa kwezikweletu kulandeleke futhi namarekhodi agcinwe. I-POPIA idinga ukuthi ukufinyelela kulwazi lomuntu siqu kulawulwe futhi kufakwe. Ikhodi ye-CBA idinga ukuthi ukufinyelela kwedatha yehhovisi kufakwe nokuthi izinyathelo zokuphepha zanele. Uhlelo olulodwa olusebenzisa izilawuli zokufinyelela ezisekelwe endimeni kanye namalogi okucwaninga aphelele asekela zonke izimfuneko ezintathu kanyekanye.

Izidingo zokunemba kwedatha nazo ziyagqagqana. I-NCA idinga ukuthi ukuhlolwa kwezikweletu kusekelwe olwazini olunembile. I-POPIA idinga ukuthi ulwazi lomuntu siqu lunembile futhi lube sesikhathini samanje. Ikhodi ye-CBA idinga ukuthi idatha ye-bureau inembe futhi izingxabano zixazululwe ngokushesha. Ukusebenzisa imibiko yamanje yehhovisi, ukuqinisekisa ulwazi, kanye nokulungisa amaphutha lapho kukhonjwa kusekela ukuhambisana nazo zontathu izinhlaka.

Izidingo zokugcinwa ziyashayisana kodwa zingahluka. I-Credit Bureau Regulations icacisa ubuNCAne bezikhathi zokugcinwa kwedatha yekhredithi. I-NCA idinga ukuthi amarekhodi agcinwe isikhathi esinqunyiwe. I-POPIA idinga ukuthi idatha ingagcinwa isikhathi eside kunesidingo. Ochwepheshe bezikweletu kufanele balinganisele lezi zidingo, bagcine idatha isikhathi eside ngokwanele ukuze bahlangabezane nezibopho ze-NCA kuyilapho bengayigcini isikhathi eside kunesidingo ngaphansi kwe-POPIA. Ikhodi ye-CBA idinga ukuthi izinqubomgomo zokugcina zicace futhi zibhalwe phansi, okusekela ukuthotshelwa kwazo zombili izimfuneko ze-NCA kanye ne-POPIA.

Amalungelo omthengi agqagqene kakhulu. I-NCA inika abathengi amalungelo mayelana nezivumelwano zezikweletu kanye nokubuyekezwa kwezikweletu. I-POPIA inikeza abathengi amalungelo mayelana nolwazi lwabo lomuntu siqu. Ikhodi ye-CBA inika abathengi amalungelo mayelana nolwazi lwe-credit bureau yabo. La malungelo ayaphelelisana, futhi ochwepheshe bezikweletu kufanele bawahloniphe wonke.

Ukuqonda okubalulekile ukuthi ukuthobela umthetho kufanele kuhlanganiswe kunokuba kubekwe eceleni. Amasistimu asekela ukuthobela i-NCA ngokugcina imigudu yocwaningo kanye nemibhalo futhi asekela ukuthobela kwe-POPIA ngokungena ngemvume nokulawula ukusetshenziswa kwedatha, futhi asekela ukuthotshelwa kweKhodi ye-CBA ngokuqinisekisa imibhalo yenjongo evumelekile nokuphepha. Ukuphatha ukuthobela njengokukhathazeka okudidiyelwe esikhundleni sezinhlu zokuhlola ezintathu ezihlukene kusebenza kahle kakhulu futhi kusebenza kangcono.

Nokho, kukhona umehluko. I-NCA igxile ekuhloleni izikweletu kanye nezinqubo zokuboleka. I-POPIA igxile ekuvikelweni kwedatha kanye nobumfihlo. Ikhodi ye-CBA igxile kakhulu ekusetshenzisweni kwedatha yehhovisi. Ukuqonda lo mehluko kusiza ochwepheshe bezikweletu ukuthi babone lapho izidingo ezithile zisebenza khona nalapho izindlela ezididiyelwe zingenzeka khona.

Kochwepheshe bezikweletu, okushiwo okungokoqobo ukuthi amasistimu okuthobelana kufanele asekele zonke izinhlaka ezintathu ngesikhathi esisodwa. Lapho idatha ye-bureau ifinyelelwa, isistimu kufanele ibhale ukufinyelela (i-POPIA nekhodi ye-CBA), ibhale phansi injongo evumelekile (Ikhodi ye-CBA), ikuxhumanise nokuhlola (i-NCA), futhi iqinisekise ukuthi izinyathelo zokuphepha zanele (i-POPIA nekhodi ye-CBA). Ukuthobela imithetho okudidiyelwe kusebenza kahle kakhulu kunokuphatha uhlaka ngalunye ngokwehlukana, futhi kunciphisa ubungozi bezikhala noma ukungahambisani.

Imithelela Esebenzayo Yefemu Yakho

Ikhodi Yokuziphatha ye-CBA idala izidingo ezithile zokusebenza okufanele wonke uchwepheshe wezikweletu ahlangabezane nazo. Lezi zidingo aziyona ithiyori - zihumushela emisebenzini yansuku zonke okufanele inkampani yakho iyisebenzise futhi iyinakekele. Ukuqonda imithelela esebenzayo kukusiza ukuthi wakhe ukuthobela imisebenzi yakho kunokuba ukuthathe njengomthwalo ohlukile.

Konke ukudonsa kwe-bureau kumele kuthethelelwe futhi kubhalwe phansi. Lokhu kusho ukuthi amasistimu akho kufanele asekele imibhalo yezinjongo ngesikhathi sokufinyelela, futhi abasebenzi bakho kufanele baqonde ukuthi yini eyakha inhloso evumelekile. Lapho umhloli edonsa umbiko, kufanele atshelwe ukuthi asho inhloso - ukuhlola isicelo, ukuphatha i-akhawunti, ukwenza ukuhlolwa kokwelulekwa ngezikweletu, noma esinye isizathu esivunyelwe. Le mibhalo kufanele igcinwe futhi ibuyise ukucwaningwa kwamabhuku noma izikhalazo. Amasistimu azisa ngokuzenzakalelayo ukubhalwa kwenhloso futhi akuxhumanise nehhovisi elidonsayo asekela le mfuneko ngempumelelo kakhulu kunezinqubo ezenziwa ngesandla.

Abasebenzi kumele baqonde ukuthi yini eyakha inhloso evumelekile. Lokhu kudinga ukuqeqeshwa okuchaza izidingo zeKhodi, okuhlinzeka ngezibonelo zokusetshenziswa okuvunyelwe nokunqatshelwe, futhi kucacise ukuthi ukufinyelela kwabehhovisi kufaneleka nini uma kungenjalo. Ukuqeqeshwa kufanele kube njalo, kubhalwe phansi, futhi kubuyekezwe lapho izidingo zishintsha. Abasebenzi abangaziqondi izimfuneko zenhloso ezivumelekile bangase bephule Ikhodi bengahlosile, bese bedala ubungozi kuyo yonke inhlangano yakho.

Ukuvikeleka kwedatha akuyona inketho. Ikhodi idinga izinyathelo zokuphepha ezifanele, futhi idatha yekhredithi iphakathi kwezigaba ezibucayi kakhulu zolwazi lomuntu siqu. Lokhu kusho ukusebenzisa ukubethela lapho uphumule futhi usendleleni, izilawuli zokufinyelela ezisekelwe endimeni, isitoreji esivikelekile, futhi lapho kufanele khona, ukuqinisekiswa kwezinto eziningi. Lezi zinyathelo kufanele zibonakale - kufanele ukwazi ukukhombisa abacwaningi mabhuku noma abalawuli ukuthi ukuphepha kwenele. Amasistimu asebenzisa ukuphepha ngokuklama asekela le mfuneko ngempumelelo kunezinyathelo zokuphepha ezifakwe kabusha.

Idatha yehhovisi kufanele igcinwe ngokuphephile ngezilawuli zokufinyelela. Lokhu kusho ukuthi imibiko akufanele igcinwe kumadrayivu abiwayo angabetheliwe, amasistimu e-imeyili, noma kwezinye izindawo ezingavikelekile. Ukufinyelela kufanele kukhawulelwe kubasebenzi abakudingayo ukuze benze imisebenzi yabo, futhi konke ukufinyelela kufanele kufakwe. Amasistimu ahlanganisa idatha ye-bureau, asebenzise ukubethela, futhi ahlinzeke ngezilawuli zokufinyelela ezisekelwe endimeni zisekela lezi zidingo ngempumelelo kunokugcinwa kwamafayela ahlakazekile.

Isistimu eloga ukuthi ubani odonse ini, nini, futhi ngayiphi injongo esekela ukuthobela kwe-CBA, i-NCA, ne-POPIA kanyekanye. Lo mkhondo wokucwaninga ubalulekile ekuboniseni ukuthobela, ukuphendula izicelo zabathengi, nokuvikela izinqumo ngesikhathi sokuhlolwa kwamabhuku noma izikhalazo. Ukungena ngokuzenzela kujwayele ukuba namaphutha futhi ngokuvamile akupheleli, kuyilapho ukugawula okuzenzakalelayo kuqinisekisa ukuthi akukho okugejiwe nokuthi amarekhodi awashintshile. Amasistimu angena ngokuzenzakalelayo kukho konke ukufinyelela kwe-bureau adala izindlela zokucwaninga ezinamandla kunezinqubo ezenziwa ngesandla.

Izinqubomgomo zokugcina kufanele zicace futhi zibhalwe phansi. Ikhodi idinga ukuthi izinqubomgomo zokugcina zisungulwe futhi zilandelwe, futhi kufanele zilinganisele izimfuneko Zekhodi Ye-CBA, Imithetho Yehhovisi Lezikweletu, izimfuneko zokugcinwa kwamarekhodi e-NCA, kanye nezimfuneko ze-POPIA zokuthi idatha ingagcinwa isikhathi eside kunesidingo. Amasistimu aphatha ngokuzenzakalelayo ukugcinwa ngokusekelwe kuzinqubomgomo asekela ukuthobelana ngokuphumelelayo kunezinqumo zokugcinwa mathupha.

Izicelo zabathengi kufanele zisingathwe ngokushesha. Uma abathengi becela ukufinyelela kudatha yabo yekhredithi noma behambisa izingxabano, kufanele uphendule ngendlela efanele. Ngenkathi ama-bureaux ephatha ukusebenzelana okuningi kwabathengi ngokuqondile, ungase uthole izicelo noma udinga ukuhlinzeka ngolwazi ukuze usekele ukuxazululwa kwengxabano. Ukuba nezinqubo zokusingatha lezi zicelo kusekela kokubili ukuthobela Ikhodi kanye nesevisi enhle yamakhasimende.

Inzuzo ebonakalayo yokwakha ukuthobela imisebenzi yakho inciphisa ubungozi kanye nengcindezi. Uma konke ukudonsa kwehhovisi kufakwe ngokuzenzakalelayo, konke ukufinyelela kulawulwa, futhi yonke inhloso ibhaliwe, ukukhombisa ukuthobelana kuba lula. Uma kwenzeka ukucwaninga kwamabhuku noma kuvela izikhalo, ungakhipha amarekhodi aphelele ngokushesha esikhundleni sokuklolodela ukuze uhlanganise amadokhumenti. Ukuthobelana kuba umsebenzi esikhundleni sokuphatha, kunciphisa kokubili umzamo nobungozi.

Okunye - ukuphatha ukuthobela njengento ehlukile - kudala umthwalo oqhubekayo nobungozi. Uma ukuthobela kubuyiselwa emuva, imibhalo ayiphelele, futhi izinqubo ziyi-ad hoc, ukubonisa ukuthobela kuba nzima futhi kucindezele. Amafemu akha ukuthobelana nokusebenza kwawo kwansuku zonke agwema lo mthwalo futhi anciphise ubungozi bokwephulwa komthetho.

Kochwepheshe bezikweletu, umlayezo ucacile: ukuthobela Ikhodi ye-CBA akuyona inketho, futhi kufanele yakhelwe ekusebenzeni esikhundleni sokuphathwa njengokucatshangelwa kwamuva. Amasistimu asekela amadokhumenti enjongo evunyelwe, ukuphepha, izilawuli zokufinyelela, izindlela zokucwaninga, nokuphathwa kokugcinwa kwemithetho kushintsha ukuthobelana kusuka umthwalo kube umphumela wemvelo wemisebenzi emihle.

Hlala Uthobela Lapho Usebenzisa Idatha Yehhovisi

Ikhodi Yokuziphatha ye-CBA isungula izidingo ezicacile zokuthi idatha yehhovisi kufanele ifinyelelwe, isetshenziswe, futhi ivikelwe kanjani. Lezi zidingo zisebenza kuwo wonke uchwepheshe wezikweletu odonsa imibiko evela ku-Experian, TransUnion, Datanamix, XDS, noma Compuscan. Ukuthobela umthetho akukona ukuzikhethela - ukwephulwa komthetho kungaholela ekulahlekelweni kokufinyeleleka kwe-bureau, okuvimbela ngempumelelo amafemu ekusebenzeni embonini yezikweletu.

IKhodi isebenza ngokuhambisana noMthetho Kazwelonke Wezikweletu kanye ne-POPIA, kwakha uhlaka oluphelele lokuphatha idatha yezikweletu. Ukuqonda ukuthi lezi zinhlaka zihlangana kanjani kusiza ochwepheshe bezikweletu bakhe izindlela zokuthobelana ezididiyelwe ezisekela zonke izimfuneko ngesikhathi esisodwa. Lapho konke ukudonsa kwe-bureau kufaneleka, konke ukufinyelela kufakiwe, futhi zonke izinyathelo zokuphepha ziyaboniswa, ukuthobelana kuyaqala ukusebenza esikhundleni sokuphatha.

Xhumana ukuze ubhukhe idemo futhi ubone ukuthi ukufinyelela kwedatha okuhlelekile kwehhovisi, ukungena kwezinhloso ezivumelekile, nezilawuli ezisekelwe endimeni kuzisekela kanjani izibopho zakho zokuthobela i-CBA.