I-Credit Bureau Ukuqhathanisa eNingizimu Afrika

INingizimu Afrika inamahhovisi amaningi ezikweletu abhalisiwe asebenza ngaphansi kokuqondisa kweNational Credit Regulator, futhi ochwepheshe bezikweletu bavame ukusebenza nabangaphezu koyedwa. Ukuqonda ukuthi i-Datanamix, i-Experian, i-TransUnion, i-XDS, ne-Compuscan ihluke kanjani ekufakweni kwedatha, amaphuzu, nokuqukethwe kombiko kusiza ochwepheshe ukuba bakhethe ukudonsa okulungile futhi bahumushe imiphumela ngokungaguquki. Lo mhlahlandlela uqhathanisa ama-bureau amakhulu, uveza amandla azo kanye namacala okusebenzisa ajwayelekile, futhi uyachaza ukuthi kungani umbono wamahhovisi amaningi kanye nokuhlaziya okuhlelekile kuyindaba yabeluleki bezikweletu, abadayisi, nabahlinzeki bezikweletu.

Indawo Yehhovisi Lezikweletu LaseNingizimu Afrika

INingizimu Afrika ayincikile ku-credit bureau kazwelonke eyodwa. I-NCR ibhalisa futhi yengamele ama-credit bureaux amaningana, ngalinye liqoqa, libambe, futhi libike idatha yabathengi neyezikweletu zezentengiselwano. Wonke ama-bureau amakhulu angamalungu e-South African Credit Bureau Association (SACRRA) futhi afaka isandla kumaqoqo edatha okwabelwana ngawo lapho kufanele khona, kodwa i-bureau ngayinye igcina isizindalwazi sayo, amamodeli wamaphuzu, namafomethi emibiko. Ababolekisi nabanye abahlinzeki bedatha babika kuma-bureau ngokuzithandela noma ngaphansi kwesivumelwano, okusho ukuthi ayikho i-bureau eyodwa ephethe yonke i-akhawunti noma wonke umbolekisi. Ukwakheka kwezwe kuhlanganisa amahhovisi amahlanu ochwepheshe bezikweletu abahlangana nawo njalo: I-Experian, TransUnion, Datanamix, XDS, kanye neCompuscan. Ezintathu zokuqala—i-Datanamix, i-Experian, ne-TransUnion—yizona ezivame ukusetshenziswa kakhulu ekuhloleni okubanzi kwezikweletu zabathengi kanye nokugeleza komsebenzi wokwelulekwa ngezikweletu, futhi yiwona okugxilwe kuwo ekuqhathaniseni okuningiliziwe okungezansi. I-XDS neCompuscan zimbozwe esigabeni esifushane, njengoba zinjalozinikeza amasegimenti ahlukene futhi ziya ngokuya zifaneleka ekubolekeni okuNCAne, izikweletu zokudayisa, kanye namacala okusetshenziswa aholwa yizibalo. Ukuze uthole umbono oyisisekelo wokuthi ungatolika kanjani okukhiphayo kwehhovisi ngokunganaki umthombo, bheka umhlahlandlela wethu kokuthi ungawufunda kanjani umbiko wezikweletu ngobungcweti.

I-Datanamix: Amandla nokugxila

I-Datanamix ingumhlinzeki wedatha yekhredithi yabathengi abahamba phambili eNingizimu Afrika egcizelela kakhulu ukufinyeleleka kanye nedatha ehlukile. Imibiko yayo isetshenziswa kakhulu abeluleki bezikweletu nabadayisi abadinga umbono ocacile wokuchayeka, ukuziphatha, namandla okukhokha.

Ukufakwa kwedatha nokubika

Imibiko ye-Datanamix ihlanganisa izingxenye eziyinhloko ze-bureau: ukuchayeka kwesikweletu (isamba sesikweletu, izinhlobo zama-akhawunti, amabhalansi), ukuziphatha kokukhokha kanye nochungechunge lwephrofayela yokukhokha, kanye nokufakwa kuhlu okungalungile okufana nezahlulelo, okuzenzakalelayo, nemiyalo yokuphatha. Lapho i-Datanamix igqama khona igxile ezinkomba zokuthengeka nenye idatha. Amasiginali okukwazi ukuthengeka kanye nedatha yesikhathi sangempela noma eseduze nesikhathi sangempela sokuthengeka kuyingxenye eyinhloko yomnikelo, ehambisana nezimfuneko zoMthetho Wezikweletu Kazwelonke zokuhlola ukuthi umthengi angakwazi yini ukukhokhela esinye isikweletu noma ukuhlelwa kabusha okuhlongozwayo. Eminye imithombo yedatha inganweba isithombe sidlule imigqa yokuhweba evamile, esiza kubathengi abanamafayela amancanyana noma imilando yezikweletu engajwayelekile. Ukuze uthole ukubuka okujulile kokuthi imibiko ye-Datanamix iquketheni nokuthi ungayihlaziya kanjani, bheka umhlahlandlela wethu Ukuhlaziywa kombiko wesikweletu seDanamix.

Izinkomba zamaphuzu nezingozi

I-Datanamix inikeza izinkomba zobungozi kanye nezici zamaphuzu ezifingqa ukufaneleka kwekhredithi. Njenganoma yimuphi umphumela we-bureau, lezi ziwusizo njengesignali esheshayo kodwa kufanele zisetshenzisweeceleni kwedatha eyisisekelo—ama-akhawunti, umlando wokukhokha, izinhlu ezingezinhle, nezinkomba zokukwazi ukuthengeka—ukuze amafemu akwazi ukusebenzisa eyawo imithetho yezinqumo futhi achaze imiphumela kumakhasimende nakubacwaningi mabhuku. Inhlanganisela yamamethrikhi engozi endabuko nedatha egxile ekuthengeni yenza imibiko ye-Datanamix ibe nolwazi ikakhulukazi ekuhloleni okusekelwe emandleni.

Ifaneleka kakhulu

I-Datanamix ifaneleka kakhulu iziphakamiso zokwakhiwa kabusha kwabeluleki bezikweletu kanye nanoma yimuphi uchwepheshe odinga ukuphendula “ingabe lo mthengi angakhokhela isikweletu esiningi?” Ukugcizelelwa kokukwazi ukuthengeka kusekela ukuhlolwa kokukwazi ukuthengeka okuhambisana ne-NCA futhi kufanelana nokugeleza komsebenzi lapho ukuchayeka namandla kumaphakathi. Abathengi nababolekisi abagxile ezinqumweni eziqhutshwa ukufinyeleleka bavame ukudonsa i-Datanamix eceleni kwehhovisi elilodwa noma ngaphezulu ukuze bathole kokubili ukujula komugqa wohwebo kanye namasiginali wokukwazi ukuthengeka.

Isazi: Amandla nokugxila

I-Experian isebenza emhlabeni jikelele naseNingizimu Afrika njengenye yezikhungo ezinkulu ezibika ngezikweletu. Imibiko yayo yaseNingizimu Afrika ihlinzeka ngedatha ebanzi yolayini bokuhweba futhi iwukufaka okuvamile kubanikezeli bezikweletu abaningi abasunguliwe kanye nabathengi.

Ukufakwa kwedatha nokubika

Imibiko yezikweletu yaseNingizimu Afrika ihlanganisa ama-akhawunti esikweletu avuliwe navaliwe (amakhadi esitolo, imalimboleko yomuntu siqu, imali yemoto, imali mboleko yezindlu, nezinye izinsiza), anamagama wabakweletisi, amabhalansi, imikhawulo, nesimo se-akhawunti. Umlando wokukhokha uvezwa kuyunithi yezinhlamvu zephrofayela yokukhokha ebonisa ukuziphatha kwenyanga nenyanga (isb. okwamanje, inyanga eyodwa usalele emuva, izinyanga ezimbili, njalo njalo). Izinqumo, okuzenzakalelayo, imibuzo (inzima futhi ithambile),izinkomba zobungozi noma amaphuzu, kanye nemininingwane yobunikazi nekheli nakho kukhona. Ububanzi nokwakheka kwedatha yomugqa wokuhweba kwenza imibiko ye-Experian isebenziseke kubabolekisi nabathengi abadinga umbono obanzi womlando wesikweletu womthengi. Ukuze uthole imininingwane eyengeziwe ngokuqukethwe kombiko nokutolikwa, bona Umbiko wezikweletu waseNingizimu Afrika inkomba yethu.

Izinkomba zamaphuzu nezingozi

I-Experian inikeza izinkomba zobungozi kanye nezikolo zezikweletu ezifingqa ukufaneleka kwekhredithi. Lokhu kungase kube amaphuzu e-generic bureau noma amaphuzu aqondene nomkhiqizo othile. Zisebenza njengesithenjwa esisheshayo kodwa azishintshi isidingo sokuhlaziya izingxenye eziwumsuka—ama-akhawunti, izintambo zokukhokha, izahlulelo, nemibuzo—lapho kusetshenziswa inqubomgomo yangaphakathi noma kuchazwa izinqumo. Amandla e-Experian kubasebenzisi abaningi alele ekujuleni kwedatha eyisisekelo kunokuba kumphumela owodwa.

Ifaneleka kakhulu

I-Experian ifaneleka kahle ezinqumweni ezibanzi zokuboleka kanye nakubahlinzeki bezikweletu abanobudlelwano obumisiwe be-bureau. Ukufakwa kwayo okuphelele komugqa wokuhweba kanye nengqalasizinda yehhovisi lomhlaba jikelele isekela ukuphathwa kwephothifoliyo, ukuhlolwa kwezicelo, nokuqapha ubungozi. Abeluleki bezikweletu nabadayisi baphinde basebenzisa i-Experian lapho bedinga isithombe esigcwele sama-akhawunti nomlando wokukhokha ovela ehhovisi elilodwa, ngokuvamile elihlanganiswe nenye i-bureau ukuze liphelele.

Inyunyana: Amandla nokugxila

I-TransUnion inomlando omude emakethe yaseNingizimu Afrika kanye nokubamba iqhaza okubanzi okuvela kubabolekisi, okuhumushela ekuhwebeni okujulile kanye nedatha yomlando wokukhokha. Isikolo sayo se-Empirica sisetshenziswa kakhulu emakethe yendawo yokuboleka.

Ukufakwa kwedatha nokubika

I-TransUnionImibiko yezikweletu eNingizimu Afrika iklelisa ama-akhawunti avuliwe navaliwe anemininingwane yabakweletwayo, amabhalansi, imikhawulo, nesimo. Iyunithi yezinhlamvu zephrofayela yokukhokha zisebenzisa amakhodi ezinombolo (isb. 0 ngokwamanje, 1 inyanga eyodwa esilele emuva) ukuze zibonise ukuziphatha ngokuhamba kwesikhathi. Ukwahlulela, okuzenzakalelayo, okunye ukufakwa kuhlu okuphambene, imibuzo, imininingwane yobunikazi nekheli, nezinkomba zobungozi noma amaphuzu afakiwe. Umlando ojulile we-TransUnion waseNingizimu Afrika nokubamba iqhaza okubanzi kwababolekisi kusho ukuthi kubathengi abaningi, umbiko we-TransUnion uzobonisa ingxenye enkulu yekhredithi yabo. Ukuthola incazelo egcwele yezigaba zombiko nokuthi zisetshenziswa kanjani, bheka umhlahlandlela wethu Umbiko wezikweletu weTransUnion waseNingizimu Afrika.

Izinkomba zamaphuzu nezingozi

Iphuzu le-TransUnion’s Empirica liyinkomba yengozi evamile kochwepheshe bezikweletu baseNingizimu Afrika. Njengamanye amaphuzu e-bureau, inikeza isignali yesifinyezo kodwa ayithathi indawo yokuhlaziywa kwedatha eyisisekelo. Amafemu asebenzisa i-Empirica ngokuvamile ayihlanganisa nemithetho yawo mayelana nokuziphatha kokukhokha, ukuchayeka, nokufakwa kuhlu okungalungile ukuze kufinyelelwe izinqumo ezingaguquki, ezivikelekayo. Isikolo siwusizo ekulinganiseni nasekuhambisaneni nesistimu yababolekisi asevele edla i-Empirica.

Ifaneleka kakhulu

I-TransUnion ikufanelekela kahle ukubolekwa kwendabuko, ukuphathwa kwephothifoliyo, nanoma yikuphi ukugeleza komsebenzi lapho umugqa ophelele wokuhweba nomlando wokukhokha kuyizinto eziza kuqala. Abeluleki ngezikweletu, abadayisi, nabahlinzeki bezikweletu abadinga umbono ogcwele wezinga le-akhawunti bavame ukudonsa i-TransUnion, futhi abaningi bayisebenzisa eduze kwe-Datanamix noma i-Experian ukuze bazuze ekuhlinzekeni kwamahhovisi amaningi. Isikhundla sayo esimisiwe emakethe sikwenza kube ukukhetha okuzenzakalelayo kubabolekisi abaningi kanye namafemu lokhoisidingo sokufanisa imithombo yedatha esezingeni lomkhakha.

XDS kanye neCompuscan

Ngale kwalezi zintathu ezinkulu, i-XDS kanye neCompuscan zidlala indima ebalulekile esimweni sezikweletu saseNingizimu Afrika futhi kufanelekile ukuqondwa lapho kwakhiwa isu le-bureau.

I-XDS igxile kakhulu ekubolekiseni ngemali encane kanye nekhredithi yokudayisa. Ukufakwa kwayo kwedatha kukhulile futhi kufaka phakathi imigqa yokuhweba kanye nolwazi olubi oluvela kubabolekisi ababambe iqhaza kulawa masegimenti. Ochwepheshe bezikweletu abasebenza ngokubolekisa ngemali yesikhashana, ezezimali zokudayisa, noma imalimboleko encane bavame ukuhlangabezana nemibiko ye-XDS futhi bangase badonse i-XDS ngaphezu kwe-Datanamix, Experian, noma TransUnion lapho behlola abafake izicelo kulezo zingxenye. Ukuze uthole okwengeziwe ngokuqukethwe kombiko we-XDS nezimo zokusebenzisa, bheka umhlahlandlela wethu Umbiko wezikweletu we-XDS waseNingizimu Afrika.

I-Compuscan ihlanganisa idatha ye-bureau nezibalo futhi yandise umlando wayo wase-Afrika. Inikeza amathuluzi okuthengeka nezixazululo zengozi ezihambisana nemibiko yehhovisi lendabuko. Amafemu adinga ukuhlaziya okugxile ekuthengeni noma ukubuka kuzo zonke izimakethe zase-Afrika angase asebenzise iCompuscan eceleni kwamanye amahhovisi. Ukuze uthole imininingwane ngeminikelo ye-Compuscan nokuthi ingena kanjani ohlelweni lwe-multi-bureau, bheka umhlahlandlela wethu Umbiko wezikweletu weCompuscan waseNingizimu Afrika.

Ayikho i-XDS noma i-Compuscan ethatha indawo yezintathu ezinkulu ekuhlolweni kwekhredithi yomthengi okujwayelekile; banweba ukufakwa futhi bengeze inani le-niche noma lokuhlaziya. Ukukhetha ukuthi iyiphi i-bureau ozoyidonsa kuncike kusisekelo sekhasimende lakho, isethi yomkhiqizo, kanye nezidingo zokuthobela imithetho.

Umehluko Obalulekile Obalulekile Kubasebenzi Bezikweletu

Ubukhulu obuningana buhlukanisa ama-bureaux futhi buthinta indlela osebenzisa ngayo idatha yabo.

Ukujula kwedatha kanye nokufakwa. I-TransUnion ne-Experianzombili zinikeza imininingwane ebanzi yolayini bokuhweba kanye nokubamba iqhaza okubanzi kwababolekisi eNingizimu Afrika; inhlanganisela eqondile yama-akhawunti embikweni onikeziwe incike ekutheni yibaphi ababolekisi ababika kuyiphi i-bureau. I-Datanamix igcizelela ukuthengeka kanye nedatha ehlukile ngaphezu kwemigqa yokuhweba yendabuko, ngakho-ke imibiko yayo ingangeza amasiginali ahlobene nomthamo futhi angajwayelekile abanye abangase bangazigqamisi ngendlela efanayo. Ayikho i-bureau eyodwa ephethe yonke i-akhawunti-ababolekisi babika kuma-bureau ahlukene, ngakho-ke ukuhlinzekwa kuyahlukahluka ngabathengi kanye ne-bureau.

Indlela yokuthola amaphuzu. Ihhovisi ngalinye lisebenzisa imodeli yalo yokushaya amagoli. Amaphuzu e-TransUnion’s Empirica akhonjwa kakhulu emakethe yaseNingizimu Afrika; I-Experian ne-Datanamix banikeza izinkomba zabo zobungozi kanye nezikolo. Izikolo aziqhathaniseki ngokuqondile kuwo wonke ama-bureau, futhi amaphuzu ewodwa awavamile ukwanela izinqumo ezisekelwe kunqubomgomo. Ochwepheshe bezikweletu ngokuvamile basebenzisa amaphuzu njengokufakiwe okukodwa futhi bathembele ekuhlaziyweni okuhlelekile kokuchayeka, ukuziphatha kokukhokha, nokufakwa kuhlu okuphambene nemiphumela engaguquki.

Ukukwazi ukuthengeka nenye idatha. I-Datanamix igqama kakhulu ngezinkomba zokukwazi ukuthengeka ezakhelwe ngaphakathi kanye nokunye ukuhlanganiswa kwedatha, okusekela ukuhlolwa kokukwazi ukukhokhela okuhambisana ne-NCA kanye nokwelulekwa ngezikweletu. I-Experian neTransUnion ihlinzeka ngedatha eluhlaza (amabhalansi, imikhawulo, izitolimende) okungabalwa ngayo ukukwazi ukuthengeka, kodwa azihlali ziveza ukukwazi ukuzikhokhela njengenkomba ezinikele, ekhiqizwe yi-bureau ngendlela efanayo. Ngokuya ngokugeleza komsebenzi wakho, ungase uthande ihhovisi elilodwa lokusayina ukufinyeleleka noma uhlanganise amahhovisi amaningi futhi ubale ukukwazi ukuthengeka endlini.

Bika ifomethi kanyeukulethwa. Wonke amahhovisi amakhulu aletha imibiko evame ukusetshenziswa njengama-PDF noma amafomethi amile afanayo. Isakhiwo, ukuhleleka kwesigaba, nokulebula kuyahluka kuye ngehhovisi ngalinye, ngakho uhlobo olufanayo lolwazi (isb. uchungechunge lwephrofayela yokukhokha, usuku lokwahlulela) lungase luvele ezindaweni namafomethi ahlukene. Lokho kungahambisani kwengeza phezulu lapho amaqembu esebenza emithonjeni eminingi yamahhovisi futhi kuqinisa isidingo sokubuka okujwayelekile, okuhlelekile.

Izindleko nokufinyelela. Amalungiselelo okufinyelela, amanani, nezigaba zomkhiqizo ziyahlukahluka kuye ngehhovisi nangohlobo lomsebenzisi. Ochwepheshe bezikweletu ngokuvamile banezivumelwano nehhovisi elilodwa noma ngaphezulu kuye ngevolumu kanye nesimo sokusebenzisa. Ukudonsa emahhovisi amaningi kunyusa izindleko kodwa futhi kuthuthukisa ukuphelela; ukuhwebelana kufanele kube sobala esu lakho le-bureau.

Kungani Ukuhlaziywa Kwezikhungo Eziningi Kubalulekile

Alikho ihhovisi elilodwa elinedatha ephelele. Ababolekisi abahlukene babika kuma-bureau ahlukene, futhi ukubamba iqhaza kuyashintsha ngokuhamba kwesikhathi. Umthengi angase abe nama-akhawunti avela embikweni we-bureau eyodwa kodwa angabi nawo omunye. Kubeluleki bezikweletu, lokho kusho ukuthi ukuhlelwa kabusha okusekelwe ehhovisi elilodwa kungase kugeje ama-akhawunti kanye nokuchayeka kancane noma umthamo oweqile. Kubathengi nababolekisi, ukuhlolwa kwehhovisi elilodwa kungaholela ekubukeni kwengozi okungaphelele kanye nezinqumo ezingaguquki lapho umthengi ofanayo ehlolwa ngokumelene nama-bureau ahlukene ngezigaba ezahlukene.

Ukukhipha amahhovisi amaningi kunikeza isithombe esigcwele: ubona ama-akhawunti engeziwe, umlando wokukhokha owengeziwe, nolwazi oluningi olubi. Lokho kusekela kokubili izinqumo ezingcono nokuthobelana okuqinile. I-NCR ilindele abahlinzeki bezikweletu kanye nezikweletuabeluleki ukuba benze ukuhlola okufinyelelekayo okubanzi futhi basebenzise idatha elungele inhloso; ukuthembela ku-bureau eyodwa kungase kungafinyeleli lelo zinga uma ama-akhawunti wezinto ezibonakalayo ekhona kwenye indawo. Ukuze uthole ukwelashwa okujulile kokuthi usetshenziswa nini futhi kanjani ama-multiple bureaux, bheka umhlahlandlela wethu ku- imibiko yezikweletu zamahhovisi amaningi eNingizimu Afrika.

Ukwenza Idatha Yehhovisi Isebenziseke

Inkinga yefomethi ijwayelekile kuwo wonke ama-bureaux. Ngayinye iletha ama-PDF (noma amadokhumenti afanayo) anezakhiwo ezihlukene, amagama ezigaba, nezethulo. Abahlaziyi kufanele bafunde uhlobo lombiko ngamunye, bathole izinkambu ezifanele, futhi basebenzise imithetho yabo mathupha—noma bagcine izinqubo ezihlukene ngehhovisi ngalinye. Lokho kunciphisa ukuphuma, kwandisa ingozi yamaphutha, futhi kwenza kube nzima ukuqhathanisa amaklayenti noma ukulandelela izinguquko ngokuhamba kwesikhathi ngendlela engaguquki.

Indlela yokuhlaziya ehlelekile ibhekana nalokhu ngokwenza idatha ibe evamile kuwo wonke ama-bureau. Kungakhathaliseki ukuthi umbiko womthombo uvela ku-Datanamix, Experian, TransUnion, XDS, noma Compuscan, imiqondo efanayo—ukuchayeka okuphelele, ukuziphatha kokukhokha, ukufakwa kuhlu okungekuhle, izinkambu ezihlobene nokuthengeka—ingamelelwa ku-schema esivamile. Imithetho nemikhawulo (isb. ifulegi uma isahlulelo ezinyangeni ezingu-24 ezidlule, noma izitolimende eziphelele zeqa u-x% wemali engenayo) bese kusebenza ngokungashintshi kungakhathaliseki ukuthi iyiphi i-bureau ekhiqize umbiko womthombo. Lokho kwenza ukuthi amahhovisi amaningi adonse alawuleke futhi aqinisekise ukuthi ukunotha kwedatha yehhovisi ngalinye kusetshenziswa ngempela kunokuba kulahleke ekuphathweni kwemibhalo.

Izinyathelo Ezilandelayo

Ukukhetha ama-bureaux nokuklama isu lokudonsa kuncike kusisekelo seklayenti lakho, imikhiqizo, kanye nezidingo zokuthobela. Uma usunemibiko eminingi yehhovisi, isinyathelo esilandelayoukuziguqulela ekubukeni okukodwa, okuqhathanisekayo ukuze ukuchayeka, ukuziphatha, kanye nedatha engalungile iqhube izinqumo ngokungaguquki. Uma ungathanda ukubona ukuthi indlela ehlelekile, yamahhovisi amaningi ingasekela kanjani ukugeleza komsebenzi wakho, thintana ukuze uthole idemo.