Ifundwa Kanjani Imibiko Yezikweletu eNingizimu Afrika

Imibiko yezikweletu iyisisekelo somsebenzi wezikweletu ochwepheshe eNingizimu Afrika. Abeluleki ngezikweletu, ababolekisi bezikweletu, nabanikezeli bezikweletu bathembele kubo ukuze bahlole ukuthi bangakwazi yini ukukhokhela ngaphansi koMthetho Wezikweletu Kazwelonke, ukuze bathole iziphakamiso zokubuyekezwa kwezikweletu, kanye nezinqumo zokuboleka imali. INingizimu Afrika isebenzisa indawo enamahhovisi amaningi: izikhungo zezikweletu ezimbalwa ezibhalisiwe zibamba futhi zibike idatha yabathengi, futhi odokotela ngokuvamile badinga ukudonsa futhi bahumushe imibiko emithonjeni engaphezu kowodwa. Lo mhlahlandlela uchaza ukuthi ungawufunda kanjani umbiko wesikweletu esimweni sochwepheshe, lokho okunikezwa yihhovisi elikhulu ngalinye, yiziphi izigaba ezibalulekile ukuze zihlaziywe, nokuthi ungasuka kanjani kuma-PDF amile uye ekuhloleni okuhlelekile, okuphindaphindwayo.

Iqhaza Lemibiko Yezikweletu Kumsebenzi Wobungcweti

Imibiko yezikweletu ayiyona nje into ewusizo kubasebenzi; ziyisidingo sokulawula nesisebenzayo. Umthetho Wezikweletu Kazwelonke (NCA) udinga ukuthi isikweletu sandiswe kuphela ngemva kokuhlolwa kokukwazi ukukhokhela. Lokho kuhlola kuncike olwazini olunembile, lwamanje mayelana nezibopho ezikhona zomthengi, indlela yokukhokha, namandla. Imibiko yezikweletu evela kuma-bureau abhalisiwe inikeza idatha ewumongo yalokho kuhlola. Ziyimibono edingekayo yezicelo zokubuyekezwa kwezikweletu, ukuhlola ama-broker uma kuqhathaniswa abathengi nemikhiqizo, kanye nakubanikezi bezikweletu lapho benquma ukuthi bayayinikeza noma bayayenqaba yini isikweletu.

INational Credit Regulator (NCR) yengamele ukubhaliswa kanye nokuziphatha kwama-credit bureaux eNingizimu Afrika. I-Bureaux kufanele ihambisane nezidingo ze-NCR kanye Nomthetho Wokuvikela Ulwazi Lomuntu Siqu (POPIA) lapho uphatha idatha yabathengi.Abasebenzi abasebenzisa idatha yehhovisi kulindeleke ukuthi bayisebenzise ngendlela efanele, ngokungaguquki, futhi ngokuhambisana nezinqubomgomo zabo kanye nokulindelwe ngokomthetho. Kunomehluko ocacile phakathi komthengi ohlola umbiko wakhe ukuze aqwashiswe kanye nochwepheshe ohlaziya umbiko ukuze asekele isinqumo sekhredithi, isiphakamiso sokuhlelwa kabusha kwesikweletu, noma isincomo somthengisi. Lokhu kwakamuva kudinga indlela ehlelekile, ebhaliwe kanye nokuqonda zonke izingxenye zombiko, hhayi nje amaphuzu noma ukuskena okusheshayo.

Ihhovisi Lezikweletu LaseNingizimu Afrika

INingizimu Afrika ayinayo neyodwa i-credit bureau kazwelonke. I-NCR ibhalisa ama-bureau amaningi, kanti i-South African Credit Bureau Association (SACRRA) ididiyela ukwabelana ngedatha kanye namazinga embonini yonkana. Ihhovisi ngalinye ligcina imininingwane yalo yolwazi, amamodeli wamaphuzu, kanye nezakhiwo zemibiko. Abahlinzeki bedatha babika kuma-bureau ngaphansi kwesivumelwano, ngakho-ke ayikho i-bureau eyodwa ephethe yonke i-akhawunti noma wonke umbolekisi. Ochwepheshe bezikweletu basebenza njalo namahhovisi amaningana futhi kufanele baqonde ukuthi yini eyenza ngayinye ihluke. Ukubona uhlangothi necele ukuthi zihluke kanjani, bheka Ukuqhathanisa nehhovisi lezikweletu eNingizimu Afrika isiqephu sethu sendatshana. Okulandelayo isifinyezo esifushane sehhovisi ngalinye elikhulu; ngayinye inomhlahlandlela ozinikele wokuhlaziya okujulile.

Isazi

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. Okuqukethwe kombiko kufaka phakathi ama-akhawunti avuliwe navaliwe, uchungechunge lwephrofayela yokukhokha, izahlulelo, okuzenzakalelayo, imibuzo, kanye nobungoziizinkomba. Ukuze uthole incazelo egcwele yezigaba zombiko nokuthi ungazihlaziya kanjani, bheka umhlahlandlela wethu Umbiko wezikweletu waseNingizimu Afrika.

TransUnion

I-TransUnion ingelinye ihhovisi elikhulu lomhlaba wonke elikhona eNingizimu Afrika. Imibiko yayo ihlanganisa izici ezifanayo eziyinhloko—ama-akhawunti, indlela yokukhokha, izinhlu eziphambene, imibuzo, nezikolo—kodwa isakhiwo nokwethulwa kwedatha kuyahluka ku-Experian. Abasebenzi abadonsa kokubili i-Experian neTransUnion ngokuvamile bathola ukuthi idatha ingahluka kumthengi ofanayo, ngoba akuwona wonke amafenisha abika kukho kokubili. Umhlahlandlela wethu Umbiko wezikweletu weTransUnion waseNingizimu Afrika uhlanganisa isakhiwo sombiko nokutolikwa ngokuningiliziwe.

Idathanamix

I-Datanamix ingumhlinzeki wedatha yezikweletu ohamba phambili eNingizimu Afrika egxile kakhulu ekwazini ukuthengeka kanye neminye imininingwane. Imibiko yayo ihlanganisa izingxenye zehhovisi elijwayelekile kodwa igcizelela izinkomba zokufinyeleleka kanye nedatha ehlobene namandla, eqondana kahle nezimfuneko zokukwazi ukukhokhela i-NCA kanye nokugeleza komsebenzi wokwelulekwa ngezikweletu. Ukuze uthole ukwaziswa okwengeziwe mayelana nokuthi imibiko ye-Datanamix iquketheni nokuthi isetshenziswa kanjani, bheka umhlahlandlela wethu Ukuhlaziywa kombiko wesikweletu seDanamix.

XDS

I-XDS inikezela ngezigaba ezihlukene ezihlanganisa ukubolekwa okuncane kanye nekhredithi yokudayisa. Idatha yayo nefomethi yombiko ingase ihluke kumahhovisi amakhulu abathengi, kodwa kuyasebenza izimiso ezifanayo zokufunda okuhlelekile nokuhumusha okungaguquguquki. Abasebenzi abasebenza ekubolekeni kwesikhathi esifushane noma isikweletu sokudayisa bavame ukuhlangabezana nemibiko ye-XDS eceleni kwe-Experian noma i-TransUnion. Umhlahlandlela wethu Umbiko wezikweletu we-XDS waseNingizimu Afrika uchaza okuqukethwe kombiko nokuhlaziya.

I-Compuscan

I-Compuscan inikeza isikweletu nedatha ehlobene kubabolekisi nabanye ababhalisile. Njenge-XDS, iyingxenye yehhovisi elibanziindawo ochwepheshe bezikweletu abangadinga ukuyitolika lapho bedonsa emithonjeni eminingi. Ukuze uthole ukwakheka kombiko kanye nendlela yokufunda okuphumayo kweCompuscan, bheka Umbiko wezikweletu weCompuscan waseNingizimu Afrika inkomba yethu. Uma ujwayele ukudonsa ehhovisi elingaphezu kwelilodwa, umbiko wezikweletu zamahhovisi amaningi eNingizimu Afrika indlela yokwenza ibalulekile ukuze idatha evela emithonjeni eyahlukene iqhathaniswe futhi ibe yejwayelekile.

Izigaba Eziyinhloko Zombiko Wesikweletu

Noma ngabe iyiphi i-bureau ekhiqize umbiko, umbiko ngamunye wezikweletu eNingizimu Afrika uqukethe iqoqo lezigaba ezibalulekile. Ukuqonda isigaba ngasinye kubalulekile ekuhlaziyweni kochwepheshe.

Ubunikazi bomthengi kanye nedatha yokuqinisekisa

Umbiko uqala ngokuhlonza umthengi: igama, inombolo kamazisi, kanye nomlando wekheli ngokuvamile. Lesi sigaba sisetshenziselwa ukuqinisekisa ukuthi umbiko ungowomuntu olungile kanye nokusekela ukuhlolwa kobunikazi okudingekayo ngaphansi kwezinqubo zokulwa nokushushumbiswa kwemali kanye nokwazi-ikhasimende lakho. Ukwehluka kwamagama noma amakheli kuyo yonke imibiko noma ngokumelene nedatha yesicelo kufanele kuqashelwe futhi, lapho kufanele, kucaciswe nomthengi.

Ama-akhawunti esikweletu nezinsiza

Inhliziyo yombiko wuhlu lwama-akhawunti ezikweletu kanye nezinsiza. Lokhu kufaka phakathi isikweletu esijikelezayo (isb. amakhadi esikweletu, amakhadi esitolo), izivumelwano zesitolimende (imalimboleko yomuntu siqu, imali yemoto), ama-mortgages (imalimboleko yendlu), nezinye izinsiza. Ku-akhawunti ngayinye, umbiko ngokuvamile ubonisa igama lombolekisi, uhlobo lwe-akhawunti, idethi yokuvula, ibhalansi yamanje, umkhawulo wesikweletu noma inani langempela, kanye nesimo se-akhawunti. Ukwehlukanisa okuvuliwe kuma-akhawunti avaliwe kubalulekile uma kubalwa ukuchayeka okuphelele kanye nezilinganiso zezikweletu nemali engenayo ukuze ukwazi ukuzikhokhela.Izinhlobo ze-akhawunti nazo zibalulekile: imali mboleko yendlu ithinta umthamo ngendlela ehlukile kunekhadi lesitolo, futhi abeluleki bezikweletu badinga isithombe esicacile sazo zonke izibopho lapho bakha isiphakamiso sokuhlela kabusha.

Amaphrofayela okukhokha nomlando wokuziphatha

Umlando wokukhokha uvezwa ngezinhlamvu zephrofayela yokukhokha ezijwayelekile. Indawo ngayinye kuyunithi yezinhlamvu ngokuvamile imelela inyanga, futhi amakhodi ezinombolo abonisa isimo sokukhokha saleyo nyanga. Incazelo ejwayelekile ithi: 0 usho okwamanje noma okwakamuva; U-1 usho inyanga eyodwa usalele emuva; 2 isho izinyanga ezimbili esilele emuva; 3 nangaphezulu akhombisa izikweletu ezijulile. Lawa makhodi asetshenziswa kabanzi kuwo wonke ama-bureau aseNingizimu Afrika, nakuba ukwethulwa ngqo kungase kuhluke. Ukuhlaziya iyunithi yezinhlamvu kuveza amaphethini: ukugijima kwakamuva koziro ngemva kwesikhathi esilele emuva kuphakamisa ukuthuthukiswa; okuphindaphindiwe okungu-2 noma u-3s kubonisa ukucindezeleka okuqhubekayo. Ekuhloleni kochwepheshe, uchungechunge olugcwele lubaluleke ngaphezu kwesifinyezo esisodwa, ngoba lubonisa ithrendi nokuziphatha ngokuhamba kwesikhathi.

Ukuchayeka okuphelele namabhalansi

Imibiko ivamise ukufinyeza noma ivumele ukutholwa kokuchayeka okuphelele: isamba samabhalansi kuzo zonke izindawo ezivulekile. Eminye imibiko ifaka isamba esingaphansi ngohlobo lomkhiqizo noma isamba esisodwa. Lesi sibalo singena ngqo ekubalweni kokukwazi ukuthengeka kanye naseziphakamisweni zokubuyekezwa kwezikweletu. Ibhalansi kufanele ifundwe kanye nemikhawulo (yezinsiza ezijikelezayo) kanye nokuziphatha kokukhokha: ibhalansi ephezulu enomlando wokukhokha ngesikhathi ayifani nebhalansi ephezulu enezikweletu eziphindaphindiwe.

Izahlulelo, okuzenzakalelayo, nokufakwa kuhlu okuphambene

Ukufakwa ohlwini okungalungile kunomthelela oqondile ekufanelekeleni isikweletu nasekubolekeni okuningikanye nezinqumo zokuhlela kabusha. Isinqumo siwumyalelo wenkantolo, ngokuvamile owesikweletu; ivela embikweni nemininingwane yenkantolo, usuku, kanye nenani. Ukungakhokhi yisimo esisemthethweni sokungakhokhi kahle esirekhodwa umbolekisi lapho umthengi ehlulekile ukuhlangabezana nesivumelwano. Zombili zihlala embikweni izikhathi ezinqunyiwe ngaphansi kwe-NCA kanye nokusebenza kwe-bureau. Ama-oda okuphatha kanye nezinye izinhlelo ezisemthethweni zingase zivele. Abasebenzi kumele bahlonze zonke izinqumo kanye nephutha, babhale izinsuku namanani, futhi bazicabangele lapho behlola ubungozi nalapho bechazela amaklayenti noma abacwaningi mabhuku ngemiphumela. Ukulahlekelwa okufakiwe okungalungile lapho uskena i-PDF kuyiphutha elivamile nelibi.

Umlando wophenyo

Umbiko ubala ukuthi ubani ofinyelele ifayela lesikweletu lomthengi nokuthi nini. Imibuzo ivame ukuhlukaniswa njengenzima (isb. izicelo zekhredithi, ezingase zithinte amaphuzu futhi iziphi izimpawu zenhloso yokuthatha isikweletu esengeziwe) noma ezithambile (isb. Iminikelo egunyazwe kusengaphambili noma ukufinyelela komthengi siqu). Ukukhuphuka kwemibuzo enzima kungase kubonise izicelo eziningi zakamuva noma ukuthenga isikweletu; kwabeluleki bezikweletu nabathengi, kuyasiza futhi ukugwema ukudonsa okuyimpinda futhi kusekela ukukhwabanisa nokuqwashisa ngamakhono. Idatha yombuzo iyodwa ayikhulumi indaba ephelele kodwa kufanele ifundwe kanye nama-akhawunti nokuziphatha kokukhokha.

Izikolo zekhredithi nezinkomba zobungozi

Imibiko eminingi ihlanganisa isikolo esisodwa noma ngaphezulu noma izinkomba zobungozi ezifingqa ukufaneleka kwekhredithi. Lezi ziwusizo njengesignali esheshayo kodwa akufanele zisetshenziswe zodwa. Izikolo zitholakala kudatha efanayo eyisisekelo (ama-akhawunti, umlando wokukhokha, uhlu olubi, imibuzo); abakwenzichaza ukuthi kungani umthengi esengozini enkulu noma ephansi. Ukuzijwayeza kochwepheshe kudinga ukuhlaziya idatha ewumsuka futhi usebenzise imithetho yakho yenqubomgomo. Amaphuzu angazisa, kodwa izingxenye ziqhuba isinqumo kanye nomkhondo wokucwaninga.

Idatha yokufinyeleleka

Lapho ihhovisi liyisekela, imibiko ingase ihlanganise idatha ehlobene nokuthengeka noma izinkomba. Lokhu kusebenza ikakhulukazi kuma-bureaux afana ne-Datanamix egxile ekuthengeni. Uma ikhona, le datha kufanele iqondiswe ngokuphambene ne-akhawunti kanye nolwazi lwebhalansi embikweni ofanayo ukuze kuqinisekiswe umbono ongaguquki wamandla ngaphambi kokuwusebenzisa ekuhloleni ukukwazi ukuthengeka.

Ukufunda Umbiko Wesikweletu Isinyathelo Nesinyathelo

Ukuhamba komsebenzi okungaguquki kunciphisa amaphutha futhi kusekela ukuthobela. I-oda elilandelayo liwukulandelana okusebenzayo kokuhlaziywa kochwepheshe.

Qala ngokuqinisekisa ubuwena

Qinisekisa ukuthi umbiko uhlobene nomthengi olungile. Hlola igama, inombolo kamazisi, nekheli ngokumelene nohlelo lokusebenza noma ifayela leklayenti. Qaphela noma yikuphi ukushayisana ukuze kulandelelwe. Ukweqa lesi sinyathelo kungaholela ezinqumweni ezisekelwe kudatha yomuntu ongalungile.

Hlola ukuchayeka okuphelele nesimo se-akhawunti

Khomba wonke ama-akhawunti avuliwe namabhalansi awo. Isamba sokuchayeka nezinhlobo ze-akhawunti yamanothi. Hlukanisa ukuzungeza esikweletini nesikweleti sendlu. Qinisekisa ukuthi imaphi ama-akhawunti angamanje nokuthi yimaphi asalele emuva noma avaliwe. Lokhu kunikeza isisekelo sokufinyeleleka kanye nanoma yikuphi ukuhlelwa kabusha.

Hlaziya amaphethini okuziphatha kokukhokha

Funda iyunithi yezinhlamvu zephrofayela yokukhokha ye-akhawunti ngayinye. Bheka amaphethini: isimo samanje esiqhubekayo, ukuwohloka kwakamuva, nomangcono ngemuva kwezikweletu. Hlaba umkhosi ama-akhawunti ano-2 noma 3s okuphindaphindiwe. Lesi sinyathelo sazisa ubungozi kanye nokubekwa phambili futhi sisekela izingxoxo zamaklayenti.

Bheka uhlu olubi nezinqumo

Buyekeza isigaba sokwahlulela nokuzenzakalelayo ngokugcwele. Faka kuhlu zonke izahlulelo kanye nokuzenzakalelayo ngedethi nenani. Cabangela iminyaka yabo nomthelela kumthamo wamanje kanye nokufaneleka komkhiqizo. Qinisekisa ukuthi akukho lutho oluphuthelwa lapho usebenza ku-PDF eminyene.

Buyekeza umsebenzi wokubuza

Skena imibuzo yakamuva, ikakhulukazi imibuzo enzima. Qaphela izinhlelo zokusebenza eziningi ngesikhathi esifushane noma amaphethini angajwayelekile. Sebenzisa lokhu ukuze uhlanganise yonke ingxenye yombiko futhi usekele ukukhwabanisa noma ukuhlolwa kwamandla.

Linganisa isikolo kumongo

Sebenzisa amaphuzu abikiwe noma inkomba yengozi njengento eyodwa phakathi kokuningi. Unganciki kuyo yodwa. Qhathanisa nesithombe esivela kuma-akhawunti, indlela yokukhokha, nezinhlu ezingezinhle. Lapho umphumela ubonakala uphikisana nedatha eyisisekelo, idatha eyisisekelo kufanele iqhube isinqumo nencazelo.

Ireferensi ehlukahlukene enedatha yokuthengeka

Uma umbiko uhlanganisa idatha yokuthengeka noma izinkomba, zihlole ngokuqhathanisa ne-akhawunti nolwazi lwebhalansi osuvele ulukhiphile. Xazulula noma yikuphi ukungqubuzana ngaphambi kokusebenzisa idatha ekuhloleni ukukwazi ukuthenga noma isiphakamiso.

Izingibe Ezivamile Ekuhlaziyeni Mathupha

Ukuhlaziya okwenziwa ngesandla kwemibiko yezikweletu ze-PDF kunephutha futhi akusebenzi esikalini. Izingibe eziningana ziyabuya ekusebenzeni.

Ukuhumusha okungahambisani kuwo wonke amalungu eqembu kuvamile uma ingekho incazelo eyabiwe yokuthi zifundwa kanjani izintambo zokukhokha, indlela yokuhlukanisa ama-akhawunti, noma kanjaniukwelapha amacala asemngceleni. Umhlaziyi oyedwa angase abale i-akhawunti njengevuliwe lapho omunye ethatha njengevaliwe, noma omunye angase aphuthelwe okufakiwe okungafanele omunye angakuhlaba umkhosi. Umphumela uba izinqumo ezingalingani kanye nemizila yocwaningo entekenteke.

Ama-akhawunti alahlekile noma okufakiwe okungalungile uma kuskena ama-PDF kuyingozi eqondile. Imibiko mide futhi iminyene; ulwazi olubalulekile lugqitshwe emathebulani nasekulandiseni. Ngaphandle kokukhipha okuhleliwe, kulula ukunganaki i-akhawunti noma ukwahlulela, ikakhulukazi uma ucubungula imibiko eminingi ngosuku. Umphumela ungaba ukuhlola ukukwazi ukukhokhela okwehlisa isikweletu noma ukuhlelwa kabusha okushiya umkweletu obalulekile.

Ukwehluleka ukuqhathanisa imibiko kuzo zonke izinkathi zesikhathi kukhawulela inani ledatha yomlando. Izikhundla zabathengi ziyashintsha; ukubona umbiko wakamuva kuphela ngaphandle kwedatha ethrendayo kwenza kube nzima ukubona ukuwohloka noma ukuthuthukiswa kanye nokubhala ukuthi kungani isinqumo sishintshile.

Ukuthembela kumphumela kukodwa ngaphandle kwedatha eyisisekelo kuyingcuphe yokulawula nedumela. I-NCA kanye ne-NCR balindele ukuthi izinqumo zisekelwe ekuhlolweni okufanele kokukwazi ukukhokhela kanye nobungozi. Amaphuzu awathathi indawo yalokho kuhlola futhi angeke asetshenziselwe ukuchaza iklayenti noma umcwaningi mabhuku ukuthi kungani isikweletu sinqatshiwe noma ukuthi ukuhlelwa kabusha kwaklanywa kanjani.

Amadokhumenti angemuhle lapho idatha eyaziswa ukuthi yisiphi isinqumo esibukela phansi ukuthobela nokuvikela ezingxabanweni. Uma ukuhlaziya kwenziwa ngeso ku-PDF, isixhumanisi phakathi kwamaphoyinti edatha ethile kanye nomphumela akuvamile ukurekhodwa. Lokho kwenza kube nzima ukukhombisa ukuthi inqubo ibinobulungiswa, ingaguquguquki, futhi iyaphinda.

Ukusuka ku-PDF kuya ekuhlaziyweni Okuhlelekile

Inkinga yefomethiitholakala kuwo wonke ama-bureau aseNingizimu Afrika: imibiko ngokuvamile ilethwa njengama-PDF. Ama-PDF ayafundeka ngabantu kodwa awanakubuzwa ngomshini. Ngaso sonke isikhathi uma uchwepheshe edinga ukukhipha amabhalansi, ahlukanise izintambo zokukhokha, noma afake ohlwini okufakiwe okungafanele, kufanele askene futhi askene kabusha idokhumenti. Ukuhlela idatha yekhredithi ibhekana nale mikhawulo.

Idatha ehleliwe kulo mongo isho izinkambu ezihlukanisiwe, ezijwayelekile ezingabuzwa futhi zisetshenziswe emithethweni. Amabhalansi e-akhawunti, uchungechunge lwephrofayela yokukhokha, izinsuku zokwahlulela namanani, nezinhlobo zemibuzo zikhiphelwa ezinkambini ezifanayo (isb. ibhalansi, ikhodi_yokukhokha, idethi_yesinqumo). Uma sekulelo fomu, umqondo ofanayo ungasetshenziswa kuwo wonke umbiko: ifulegi lama-akhawunti anezinyanga ezintathu noma ngaphezulu ezilandelanayo ezisilele emuva, ukuvezwa kwesamba ngohlobo lomkhiqizo, noma kukleliswe zonke izahlulelo ezinyangeni ezingu-24 ezedlule. Ukuvumelana kuyathuthuka ngoba imithetho icacile futhi isetshenziswa ngokufanayo.

Idatha yomlando isekela ukuhlaziywa kwethrendi. Uma ukudonsa ngakunye kugcinwa nedethi, ochwepheshe bangaqhathanisa indawo yomthengi ngokuhamba kwesikhathi—ukuchayeka ngaleso sikhathi namanje, ukuziphatha kokukhokha ezinyangeni ezingu-12 ezidlule—ngaphandle kokuphinda kufundwe ama-PDF amadala. Lokho kusekela izinqumo ezingcono kanye nemibhalo ecacile.

Umkhondo wokucwaninga ulandela ngokwemvelo. Uma idatha yakhiwe, isistimu ingarekhoda ukuthi yiziphi izinkambu ezisetshenziswe ekuhloleni okunikeziwe nokuthi zihlanganiswe kanjani. Lokho kusekela i-NCR nezibuyekezo zokuthobela kwangaphakathi futhi kusiza ukuvikela izinqumo uma ziphonselwa inselelo.

Ukujwayezwa kwe-Multi-bureau kuba nokwenzeka. Imibiko evela ku-Experian, TransUnion, Datanamix, XDS, neCompuscan isebenzisa izakhiwo ezihlukene futhi ngezinye izikhathi amalebula ahlukene. Kanye idathaihlukaniselwe esakhiweni esivamile, ingaqhathaniswa futhi ihlanganiswe ukuze abasebenzi basebenze ngokubuka okukodwa, okungaguquki komthengi kuwo wonke ama-bureaux, kunokuba bahlanganise ama-PDF ambalwa ngokwengqondo.

Izinyathelo Ezilandelayo Zokwenza Kwakho

Ukufunda umbiko wezikweletu ngokomsebenzi eNingizimu Afrika kudinga ukuqonda okucacile kwezindawo ezinamahhovisi amaningi, izigaba ezibalulekile zawo wonke umbiko, kanye nokuhamba komsebenzi okuqondile. Kudinga futhi ukwedlula ukuskena kwe-PDF okwenziwa ngesandla lapho kungenzeka khona, ukuze idatha efanayo ishayele ukuhlaziya okungaguquki, okufundekayo, nokuphindaphindwayo. Uma ungathanda ukubona ukuthi ukuhlaziywa kombiko wesikweletu okuhlelekile kungasekela kanjani ukwelulekwa kwakho ngezikweletu, ukudayisa, noma ukugeleza komsebenzi wokuboleka, ungakwazi cela idemo ukuxoxa ngesimo sakho sokusebenzisa kanye nezidingo zedatha.