Compuscan Credit Report South Africa | Umhlahlandlela Wokuhlaziya
Umhlahlandlela wochwepheshe wokuhlaziya imibiko yezikweletu zeCompuscan eNingizimu Afrika. Qonda okuqukethwe kombiko, imikhawulo, nokuthi idatha ehlelekile ikuthuthukisa kanjani ukugeleza komsebenzi.
I-Compuscan ingenye yezikhungo ezinkulu zezikweletu eNingizimu Afrika, enobukhona obuqinile kudatha yezikweletu zabathengi nabezentengiselwano kanye nedumela lokuhlaziya, ukuthola amaphuzu, kanye nokuhlola ukukwazi ukuthengeka. Njengeminye imibiko yehhovisi, imibiko yeCompuscan ivame ukufinyelela ochwepheshe bezikweletu njengama-PDF, okwenza ukuhlaziya okuphelele nokuqhathanisa kuwo wonke amakhasimende kube nzima. Lo mhlahlandlela uveza lokho okuqukethwe umbiko wezikweletu we-Compuscan esimweni saseNingizimu Afrika, imikhawulo engokoqobo yokusebenza ngama-PDF, nokuthi ukwakheka kwaleyo datha kusekela kanjani ukuhlaziya okungaguquki, okucwaningekayo kwabeluleki bezikweletu, abadayisi, nabahlinzeki bezikweletu.
Iquketheni Imibiko Ye-Compuscan
Umbiko wezikweletu zeCompuscan eNingizimu Afrika uthatha izigaba ezibanzi ezifanayo zolwazi njengezinye izikhungo, kodwa ukugcizelela kweCompuscan kumathuluzi wokuhlaziya, wokushaya amaphuzu, nakwazi ukuthengeka kusho ukuthi izinkomba zengcuphe nezinto ezisekela izinqumo ngokuvamile zibonakala zivelele. Ukuqonda isigaba ngasinye kukusiza ukuthi uhumushe umbiko ngendlela efanele futhi uwusebenzise ngokuhambisana nenqubo yakho. Ukuze uthole uhlaka olubanzi lokufunda noma yimuphi umbiko wezikweletu waseNingizimu Afrika, bheka umhlahlandlela wokufunda imibiko yezikweletu eNingizimu Afrika yethu.
Ama-akhawunti ezikweletu kanye nedatha yezohwebo
Umbiko ubala ama-akhawunti esikweletu nemigqa yokuhweba: izinsiza ezijikelezayo (isb. amakhadi esitolo, amakhadi esikweletu), izivumelwano zesitolimende (imalimboleko yomuntu siqu, imali yemoto), kanye nama-akhawunti ezindlu noma amabhondi. Ku-akhawunti ngayinye ngokuvamile ubona igama lomkweletwayo, inombolo ye-akhawunti (imvamisa ifihlwa kaNCAne), idethi yokuvula, ibhalansi yamanje, umkhawulo wesikweletu noma inani langempela, kanye nesimo se-akhawunti. Ukwehlukanisa okuvuliwe kuma-akhawunti avaliwe, nangohlobo, kubalulekile umaukubala izilinganiso zezikweletu nemali engenayo, ukuhlola ukufinyeleleka ngaphansi koMthetho Wezikweletu Kazwelonke (NCA), noma ukwakha isiphakamiso sokuhlelwa kabusha kwesikweletu. Ngefomu le-PDF, lolu lwazi lusatshalaliswa kuwo wonke amathebula nokulandisa; ukukhipha uhlu oluhlanzekile, oluqhathanisekayo lweklayenti ngalinye ngokuvamile kudinga ukuskena mathupha kanye nokhiye kabusha.
Amaphrofayela okukhokha namaphethini okuziphatha
Umlando wokukhokha ungenye yezingxenye ezinomthelela omkhulu kulo mbiko. I-Compuscan yethula ukuziphatha kokukhokha kuyunithi yezinhlamvu zephrofayela noma amakhodi abonisa ukuthi umthengi ukhokhe kanjani ngokuhamba kwesikhathi—ngokwesibonelo, iyunithi yezinhlamvu lapho isikhundla ngasinye simelela inyanga (isb. 0 = isesikhathini, 1 = inyanga eyodwa isalele emuva, 2 = izinyanga ezimbili, njalo njalo). Lezi zinhlamvu zephrofayela yokukhokha zembula amaphethini: izinkokhelo sekwephuzile, okuzenzakalelayo okuphindaphindiwe, noma ukuthuthukiswa kwakamuva. Kubeluleki bezikweletu, lokhu kuqhuba ukubekwa phambili kwama-akhawunti nezingxoxo zamaklayenti; kubadayisi nabahlinzeki bezikweletu, kubangela umdlandla wobungozi. Ku-PDF, lezi zintambo ziwumbhalo nje; ngaphandle kokuwahlukanisela ezinkambu ezihleliwe, awukwazi ukuwaqhathanisa kalula kuwo wonke amakhasimende noma usebenzise imithetho njengokuthi “hlaba umkhosi uma noma iyiphi i-akhawunti ibonisa izinyanga ezintathu noma ngaphezulu ezilandelanayo ezisilele emuva.”
Izahlulelo, okuzenzakalelayo, imiyalo yokuphatha, nokufakwa kuhlu okungalungile
Izahlulelo (imiyalelo yenkantolo), okuzenzakalelayo (isimo sokuzenzakalelayo esisemthethweni nomuntu okweletwayo), imiyalo yokuphatha, nokunye ukufakwa kuhlu okungalungile kuvela njengokufakiwe okuhlukene noma amafulegi. Zinomthelela oqondile ekufanelekeleni isikweletu nasekufanelekeleni ukuthola isikweletu esisha noma imiphumela yokubuyekezwa kwezikweletu. Imibiko yeCompuscan ibonisa izinsuku, amanani, kanye negama lomkweletisi noma lenkantolo. Okokuthobela kanye nekhasimendeEzingxoxweni, udinga uhlu olunembayo lapho kukhona izahlulelo nokungakhokhi kahle nokuthi zirekhodwa nini. Ngefomethi ye-PDF, lolu lwazi luhlala emabhuloki alandisayo noma ethebula; ukukhiqiza uhlu olungaguquki lwawo wonke amaklayenti kuyakhathaza futhi kujwayele ukwenza iphutha.
Umlando wophenyo
Umbiko uhlanganisa uhlu lwemibuzo—ubani ofinyelele ifayela lesikweletu lomthengi nokuthi nini. Imibuzo enzima (isb. izicelo zekhredithi) ingathinta amaphuzu kanye nenhloso yokuthatha isikweletu esengeziwe. Imibuzo ethambile (isb. imititilizo egunyazwe kusengaphambili noma ukufinyelela kwenkampani yakho) ngokuvamile ayikwenzi lokho. Kubeluleki bezikweletu nabathengi, isigaba sombuzo sikusiza ukuthi ubone umsebenzi wakamuva wesicelo futhi ugweme ukudonsa okuyimpinda; kubabolekisi, yazisa ukukhwabanisa kanye nobungozi bomthamo. Ku-PDF, imibuzo iwuhlu ongalufunda mathupha—awukwazi ukuhlunga kalula ngohlobo, idethi, noma ukubuza kuyo yonke imibiko eminingi.
Amaphuzu engcuphe nezinkomba zokukwazi ukuthengeka
ICompuscan yaziwa ngezibalo eziqinile namandla okushaya amagoli. Imibiko ingase ihlanganise amaphuzu ezingozi ze-bureau kanye nezinkomba ezihlobene nokuthengeka ezihambisana nezidingo ze-NCA futhi zisekele izinqumo zokuboleka ezinomthwalo wemfanelo. Lawa maphuzu nezinkomba ziwusizo njengesignali esheshayo kodwa kufanele ziqondwe kumongo: amaphuzu ewodwa awabonisi ukuthi kungani umuntu esengozini enkulu noma ephansi. Ukuze uthole ukuhlaziya okufanele, udinga izingxenye eziyisisekelo (ama-akhawunti, umlando wokukhokha, izahlulelo, imibuzo) ukuze ukwazi ukusebenzisa imithetho yesinqumo sakho futhi uchaze imiphumela kumakhasimende nakubacwaningi mabhuku. Ngefomu le-PDF, amaphuzu inombolo ekhasini; awukwazi ukuyithrenda ngokuhamba kwesikhathi noma uyiqhathanise ngendlela ehlelekile encwadini yakho yonke.
Ubunikaziukuqinisekiswa nokulandelela idatha
Imibiko yeCompuscan ihlanganisa idatha ehlobene nomazisi esetshenziselwa ukuqinisekiswa: amagama, izinombolo ze-ID, futhi ngezinye izikhathi amakheli noma imininingwane yokuxhumana. Lokhu kusekela i-KYC nokuhlola okulwa nokukhwabanisa. Kochwepheshe bezikweletu, ukufanisa idatha kamazisi yombiko kufayela leklayenti lakho kuwukulawula okuyisisekelo; ukungezwani kufanele kuphenywe. Ukulandelela idatha kungasiza ekutholeni abathengi ukuze bathole amaqoqo noma ukwelulekwa ngezikweletu. Ku-PDF, izinkambu zobunikazi kanye nokulandela umkhondo zihlanganiswa nakho konke ukulandisa, ngakho-ke ayikho indlela ehlelekile yokuzihlola esikalini.
Yini ehlukanisa iCompuscan kwamanye amahhovisi aseNingizimu Afrika
Amandla eCompuscan ahambisana kahle nezidingo zochwepheshe bezikweletu abathembele kokungaphezu kokufakwa kuhlu kwe-akhawunti okulula. I-bureau ihlinzeka ngamakhono aqinile okuhlaziya kanye namaphuzu, amathuluzi okuhlola ukukwazi ukukwazi ukukhokhela asekela izinqumo eziqondaniswe ne-NCA, kanye nokufakwa okujulile kwezingxenye zezikweletu zokubolekisa ngemali encane nezokudayisa. Njengelungu Lenhlangano YaseNingizimu Afrika Yokubika Ngezikweleti Nezingcuphe (i-SACRRA), iCompuscan ifaka isandla futhi ihlomule ohlakeni olufanayo lwemboni yokwabelana ngedatha njengezinye izikhungo ezinkulu. ICompuscan iphinde yandisa izinsiza zayo zedatha kanye nezibalo e-Afrika yonkana, okungaba usizo kumafemu anomlando wase-Afrika yonke. Ngakho-ke imibiko ihlanganisa izingxenye zehhovisi elijwayelekile nokuhlaziya okuthuthukisiwe; idatha ibalulekile, kodwa ngefomu le-PDF ayikalungeli isinqumo. Ukuze uthole ukubuka okuseceleni kokuthi amahhovisi aseNingizimu Afrika aqhathanisa kanjani, bheka ukuqhathaniswa kwe-credit bureau eNingizimu Afrika yethu.
Imikhawulo Yokusebenza nama-PDF eCompuscan
Ama-PDF enzelwe ukubukwa nokuphrinta, hhayi okoukuhlaziya noma ukuzenzela. Lowo mklamo udala imikhawulo yangempela yokusebenza lapho ucubungula imibiko ye-Compuscan (noma iyiphi i-bureau) ngevolumu.
Idatha ikhiyiwe ngefomethi emile. Umbiko ungase ubukeke njengethebula, kodwa ohlelweni isethi yemigqa, umumo, namabhulokhi wombhalo. Ayikho inkambu yomdabu yebhalansi, iyunithi yezinhlamvu zokukhokha, noma idethi yokwahlulela. Ngaso sonke isikhathi lapho udinga ukusebenzisa lolo lwazi, othile kufanele alufunde futhi alukhiye kabusha, noma kufanele kwakhiwe futhi kunakekelwe umhlahleli wangokwezifiso. Lokho kuncika ekukhishweni okwenziwa mathupha noma ekuhlukaniseni okuyi-brittle kubambezela ukugeleza komsebenzi futhi kwandisa ithuba lamaphutha.
Ukuhumusha okwenziwa ngesandla kuholela ekuphikiseni. Ngemibiko eminingi noma engamakhulu, ephendula ukuthi “yimaphi amakhasimende anesahlulelo ezinyangeni eziyi-12 ezedlule?” noma “kushintshe kanjani ukuchayeka ngokuphelele kwaleli klayenti phakathi kwekota edlule naleli?” kusho ukuvula i-PDF ngayinye bese ubheka ngesandla. Ayikho indlela yokuqalisa umbuzo noma isihlungi. Omunye umhlaziyi angase agxile ezigabeni ezithile, omunye angase aphuthelwe okumisiwe, futhi isimiso sesinqumo esifanayo sisetshenziswa ngendlela ehlukile ekusebenzeni.
Ayikho indlela eyakhelwe ngaphakathi yokuqhathanisa kuwo wonke amaklayenti noma izikhathi. Ukuze ulandelele ukuthi iphrofayela yekhasimende yezikweletu ishintsha kanjani—ama-akhawunti amasha, ama-akhawunti akhokhelwayo, ukuba kubi kakhulu noma ukuthuthukisa ukuziphatha kokukhokha—kudingeka ugcine futhi uqhathanise idatha yombiko ngokuhamba kwesikhathi. Ngama-PDF, lokho ngokuvamile kusho ukulondoloza umbiko ngamunye njengefayela elihlukile futhi uwaqhathanise mathupha lapho kudingeka. Asikho isixhumanisi esakhelwe phakathi “kombiko kaJanuwari” kanye “nombiko ka-April,” ngakho ukuhlaziya izitayela kanye nokubukwa kwangaphambi/kwangemuva kudinga abasebenzi abaningi futhi ngokuvamile akuphelele.
Izinselelo zokuthobela kanye nokucwaninga zikhula ngezinga.Uma i-NCR noma umcwaningi mabhuku wangaphakathi ebuza ukuthi isincomo sifinyelelwe kanjani, udinga ukukhomba idatha eqondile kanye nemithetho esetshenzisiwe. Ngama-PDF, lokho ngokuvamile kusho ukuthola ifayela elilungile, ukufunda kabusha umbiko, nokwakha kabusha ingqondo. Isitoreji, ukwenza inguqulo, kanye “nemuphi umbiko esiwusebenzisele lesi sinqumo?” iba ama-overheads amakhulu njengoba ivolumu ikhuphuka. Uma idatha ye-bureau ingcono, kukhungathekisa kakhulu lapho leyo datha ingakwazi ukusetshenziswa ngendlela ehlelekile.
Ibhodlela ayivamisile ikhwalithi yedatha yeCompuscan. Iwukuthi idatha enhle kakhulu ilethwa ngefomethi engasekeli ukuhlaziywa okuhlelekile, ukuqhathanisa, noma ukuhlolwa. Ukubhekana nalelo gebe lefomethi yikho okuvumela amafemu ukuthi asebenzise idatha yeCompuscan ngendlela efanele esikalini.
Ukuhlela Idatha ye-Compuscan Yokuhlaziya
Lapho idatha ye-Compuscan (noma enye i-bureau) ihlelwa—ihlukaniswa izinkambu ezingashintshi futhi igcinwe kusistimu eqonda ama-akhawunti, izintambo zokukhokha, izahlulelo, imibuzo, nezikolo—umbiko ofanayo uba uhlobo oluhlukile lwempahla.
Izinkambu ezibalulekile zingahlukaniswa zibe amafomethi afanayo, aqhathanisekayo. Esikhundleni sokuskrola ku-PDF, ubona isifinyezo: ukuchayeka okuphelele, inani lama-akhawunti aselele emuva, ukuba khona kwezahlulelo noma okumisiwe, inani lemibuzo yakamuva. Lokho kusheshisa ukunquma nokubekwa phambili ukuze amacala anobungozi obukhulu noma azwela isikhathi athole ukunakwa kuqala.
Imithetho yezinqumo ingasetshenziswa ngokufanayo. Ngokwesibonelo: “hlaba umkhosi uma iphrofayela yokukhokha ibonisa izinyanga ezintathu noma ngaphezulu ezilandelanayo ezisilele emuva kunoma iyiphi i-akhawunti,” noma “ungabandakanyi okunikezwayo uma kunesahlulelo esingakhokhelwa kulezi zinyanga ezingu-24 ezidlule.” Leyo mithetho isebenza ngendlela efanayo kuwo wonke umuntuiklayenti, kuncishiswe ukungahambisani kanye nokuchema ekutolikeni kwesikhashana. Idatha yomthombo ihlala ingeyeCompuscan; indlela oyisebenzisa ngayo iba yinto ephindaphindwayo futhi evikelekayo.
Idatha yekhredithi ingaba umlando wokuhlaziywa kwethrendi. Ngokugcina umbiko ngamunye njengedatha ehlelekile futhi uyixhumanise neklayenti nosuku, ungakwazi ukuqhathanisa okuthi “bese” kanye “manje”: amabhalansi akhokhelwe phansi, okumisiwe okusha, ukuthuthukiswa kokuziphatha kokukhokha. Lokho kusekela kokubili ukuphathwa kwecala (isb. inqubekelaphambili yokwelulekwa ngezikweletu) kanye nokulawulwa kwezingcuphe (isb. isixwayiso kusenesikhathi lapho iphrofayela yeklayenti iwohloka).
Izindlela zokucwaningwa kwamabhuku kanye nokuhambisana kuyaqiniswa. Uma i-NCR noma umcwaningi mabhuku wangaphakathi ebuza ukuthi isincomo sifinyelelwe kanjani, ungakhomba idatha enembile esetshenzisiwe, imithetho esetshenzisiwe, nesitembu sesikhathi sombiko—konke ngohlelo olulodwa. Ukuxhumana phakathi kwedatha yehhovisi kanye nomphumela kucacile, okunciphisa ubungozi bezomthetho nesithunzi.
Idatha yomthombo ayishintshi: kusengumbiko wesikweletu weCompuscan. Yini izinguquko ukusetshenziswa. Ukuhamba komsebenzi kuyasuka kokusebenza kabusha (i-PDF evuliwe, funda, thayipha, ngethemba ukuthi akukho okuphuthelwe) kuya ekusebenzeni (isistimu iveza amaqiniso abalulekile, isebenzisa imithetho yakho, futhi igcina umkhondo wokuhlola ocacile). Ngaleyo ndlela indlela ehlelekile yedatha ye-Compuscan iguqula idatha ye-bureau ibe inzuzo yangempela kochwepheshe bezikweletu baseNingizimu Afrika.
Ubani Okufanele Ahlele Idatha Ye-Compuscan
Ukuhlela idatha ye-Compuscan (nenye i-bureau) ibalulekile kunoma iyiphi inkampani esebenzisa imibiko yezikweletu ngokuphindaphindiwe futhi idinga ukungaguquguquki, isivinini, kanye nokufundeka kalula.
Abeluleki ngezikweletu bacubungula imibiko ephindaphindayo yokuhlola, ukuhlelwa kabusha, kanyeimvume idinga ukuqhathanisa idatha kuwo wonke amaklayenti futhi ngokuhamba kwesikhathi, ibhale phansi ukuthi izincomo zafinyelelwa kanjani, futhi isingathe ama-caseloads akhulayo ngaphandle kokukhula ngokulinganayo emsebenzini wezandla. Idatha ehlelekile isekela konke lokho.
Abadayisi bezikweletu abafake izicelo abafanelekayo futhi babafanise nababolekisi kudingeka bafunde ubungozi kanye nokufinyeleleka ngokushesha, bagweme ukuphinda ukhiye kuma-PDF, futhi bethule inqubo engaguquki, yobungcweti. Idatha yombiko ohleliwe ingena ngqo kulokho kuhamba komsebenzi.
Ababolekisi abancane nabahlinzeki bezikweletu abadayiswayo abathembela kakhulu emandleni eCompuscan kulezo zingxenye kudingeka basebenzise imithetho yenqubomgomo ngokungaguquki, balandelele ubungozi bephothifoliyo, futhi banelise izimfuneko zokucwaninga zangaphakathi nezokulawula. Uma idatha ye-bureau yakhiwe, ingqondo yesinqumo ingasetshenziswa ngokufanayo futhi ichazwe ngokucacile.
Abahlinzeki bezikweletu ngobubanzi—amabhange, abathengisi, noma ababolekisi abangochwepheshe—amathimba abo adinga ukuvumelana kubo bonke abahloli futhi phakathi nesikhathi azuze ekubukeni okukodwa kwedatha yehhovisi, enemithetho nomlando endaweni eyodwa.
Ngamafuphi: noma iyiphi inkampani ecubungula idatha yekhredithi ephindaphindayo ngevolumu, kungakhathaliseki ukuthi ivela eCompuscan iyodwa noma evela eCompuscan eduze neTransUnion, Experian, Datanamix, noma ezinye, izofinyelela umkhawulo wokugeleza komsebenzi okusekelwe ku-PDF. Labo abakha idatha bangakwazi ukuyihlaziya kahle, balinganise ngaphandle kwe-overhead elinganayo, futhi bagcine izinqumo zivikelekile futhi zithobelana.
Izinyathelo Ezilandelayo
Imibiko yezikweletu ye-Compuscan ingumbono obalulekile wochwepheshe abaningi bezikweletu baseNingizimu Afrika. Ukuwasebenzisa ngempumelelo kusho ukwedlula ama-PDF amile futhi uguqule idatha yehhovisi ibe ulwazi oluhlelekile, oluqhathanisekayo nolufundekayo.Xhumana ukubhukha idemo futhi ubone ukuthi indlela yedatha ehlelekile isebenza kanjani: ukuthi izinkomba ezibalulekile zivela kanjani emibikweni yeCompuscan (nakwezinye izikhungo), ukuthi imithetho yezinqumo isetshenziswa kanjani ngokungaguquki, kanye nokuthi ithimba lakho lingayihlaziya kanjani imibiko yezikweletu ngendlela efanele—ngaphandle kokugoqa ngesandla.