I-Multi-Bureau Credit Pulls eNingizimu Afrika | Kungani Kubalulekile?
Bona ukuthi kungani ukudonsa imibiko yama-bureau amaningi kuthuthukisa ukubonakala kwengcuphe eNingizimu Afrika, kunciphisa izindawo eziyimpumputhe, futhi kusekele izinqumo ezithembeke kakhulu zokuboleka.
Ochwepheshe abaningi bezikweletu eNingizimu Afrika baphuma ehhovisi elilodwa ngenxa yemikhuba, izindleko, noma izithiyo zesistimu yefa. Lokho kukhetha kuyaqondakala, kodwa kudala izindawo eziyimpumputhe ezithinta ikhwalithi yezinqumo, amandla okuthobela, kanye nemiphumela yamakhasimende. Ukuthembela ehhovisi elilodwa kusho ukwamukela isithombe esingaphelele njengokungathi siphelele. Kubeluleki ngezikweletu, abadayisi, nabahlinzeki bezikweletu abawuthatha ngokungathi sína umsebenzi wabo wokunakekela, lokho kwamukelwa kuba nzima ukukuthethelela.
Inkinga Yehhovisi Elilodwa
INingizimu Afrika inezikhungo ezinhlanu ezinkulu zezikweletu—i-Datanamix, i-Experian, i-TransUnion, i-XDS, ne-Compuscan—wonke abhalisiwe e-NCR nangamalungu e-SACRRA. Ngamunye uphethe idatha ebalulekile, kodwa ayikho i-bureau eyodwa ephethe yonke into. Ukuphatha ukudonsa okukodwa njengokwanele akunaki ukuthi imakethe isebenza kanjani ngempela.
Ukufakwa kwedatha okungaphelele
Ababolekisi nabanye abahlinzeki bedatha babika kumahhovisi ngokuzithandela noma ngaphansi kwesivumelwano. Awukho umthetho wokuthi wonke umkweletu abike kuwo wonke ama-bureau. Ibhange lingabika kwaTransUnion kanye ne-Experian kodwa hhayi ku-Datanamix; umthengisi angabika kuphela ku-XDS; umbolekisi omNCAne angase aphakele iCompuscan. Umphumela uba ukuhlukana kwesakhiwo. Umthengi ofanayo angaba nama-akhawunti avela embikweni we-bureau eyodwa hhayi komunye. Umeluleki wezikweletu owakha ukuhlelwa kabusha kusuka ku-TransUnion eyodwa angase aphuthelwe ama-akhawunti avela kuphela ku-I-Experian noma Idathanamix. Umthengisi ohlola ukufinyeleleka okuvela ku-Idathanamix yedwa angase angaboni ukuchayeka I-TransUnion noma I-XDS akubambayo. Ukuthembela kwehhovisi elilodwa akuyona inketho elandelanayo; ukubheja ukuthi i-bureau oyidonsile iyenzekaukuthatha yonke i-akhawunti yezinto ezibonakalayo. Lokho kubheja ngokuvamile akulungile.
Ukwehluka kwamaphuzu kuwo wonke amahhovisi
Umthengi ofanayo angaba nezikolo ezinobungozi ezihlukene ngokuzwakalayo kuma-bureau ahlukene. I-bureau ngayinye isebenzisa imodeli yayo yokubeka amaphuzu kanye nesethi yayo engaphansi yedatha. Isikolo se-TransUnion’s Empirica, izinkomba zobungozi ze-Experian, kanye nezakhi zamagoli ze-Datanamix aziqhathaniseki ngokuqondile, futhi akumele zivumelane. Umthengi obukeka emukelekile kumaphuzu ehhovisi elilodwa angase abukeke engasenalutho noma engamukeleki komunye. Ukusekela isinqumo kumphumela owodwa kuziba lokho kuhluka. Kwenza futhi ukuthi imiphumela incike ekutheni iyiphi i-bureau eyakhishwa esikhundleni kunasebungozini obukhona. Ukuze uthole izinqumo ezingaguquguquki, ezivikelekayo, udinga ukubona idatha engemuva kwezikolo, futhi, lapho kungenzeka, ucabangele idatha evela emithonjeni engaphezu kowodwa ukuze ukuhluka kwamaphuzu kungasho imiphumela ngenhlanhla.
Uhlu olungalungile olugejiwe
Ukwahlulela, okuzenzakalelayo, nemiyalo yokuphatha akuveli ngesikhathi esisodwa kuwo wonke ama-bureau. Ukubika ukubambezeleka, izivumelwano zokwabelana ngedatha, nokuthi yiziphi izinkantolo noma abakweletwayo ababika kuzo ama-bureau okusho ukuthi uhlu olubi lungase luvele kwelinye lamahhovisi izinsuku noma amasonto ngaphambi kokuthi luvele kwenye. Ekuqaleni komjikelezo wokubika, ukudonsa kwehhovisi elilodwa kungaphuthelwa ukwahlulela noma okuzenzakalelayo ngokuphelele. Ngokwelulekwa ngezikweletu, lokho kungasho ukuhlongoza ukuhlelwa kabusha okungabaleli isahlulelo sakamuva. Ngokubolekwa, kungasho ukugunyaza ikhredithi lapho isithombe esigcwele besiyoholela esinqumweni esihlukile. Ubungozi abuyona ithiyori; kuvela endleleni idatha embi egeleza ngayo ohlelweni. Ukuncika koyedwai-bureau inyusa ithuba lokuthi ulwazi olubalulekile alukho embikweni owusebenzisile.
Lokho Okudonsa Ngama-Multi-Bureau Okuvezwa Empeleni
Ukudonsa emahhovisi amaningi akukona ukuqoqa amaphepha amaningi. Kumayelana nokuvala izikhala lapho i-single-bureau reliance ishiya ivulekile.
Ukubuka okugcwele kokuchayeka sekuphelele
Ukuhlanganisa idatha kuwo wonke ama-akhawunti ezindawo ze-bureax okungenzeka ukuthi awekho kunoma yimuphi umthombo owodwa. Umthengi angase abe nekhadi lesitolo ku-Experian, imali ebolekiwe yomuntu siqu kwa-TransUnion, kanye nemalimboleko encane ku-I-XDS. Awukho umbiko owodwa obonisa zonke ezintathu. Ukuhlanganisa kuyo yonke imibiko kunikeza ibhalansi ephelele enembe kakhudlwana, izitolimende eziphelele, kanye nenani eliphelele lama-akhawunti. Lokho kubalulekile ekuthengeni: Umthetho Kazwelonke Wezikweletu udinga ukuhlolwa kwezibopho zomthengi, futhi lezo zibopho azigcini nje esiqeshini se-bureau esisodwa semakethe. Kuphinde kube nendaba nokwelulekwa ngezikweletu, lapho isibalo esinembile sokuchayeka siyisisekelo sanoma yisiphi isiphakamiso sokuhlela kabusha. Idatha ye-Multi-bureau ayiqinisekisi ukuphelela—amanye ama-akhawunti angase angabikwa ndawo—kodwa ikusondeza kakhulu kunehhovisi elilodwa kuphela.
Ukuqinisekiswa okuphambene kokuziphatha kokukhokha
Uma i-akhawunti efanayo ivela kuma-bureau angaphezu kweyodwa, ungakwazi ukuhlolisisa ukuziphatha kokukhokha. Ukubika okufanayo kuwo wonke ama-bureau kuqinisa ukuzethemba kudatha; ukungezwani (isb. isimo esihlukile sokungakhokhelwa, izinsuku ezihlukile zokuzenzakalelayo) zigunyaza uphenyo ngaphambi kokuthi kuthathwe isinqumo. Lapho ama-akhawunti evela ehhovisi elilodwa kuphela, uyazi okungenani ukuthi ubheke ngale komthombo owodwa. Leso siyalo sinciphisa ingozi yokusekelaizincomo kudatha yokuziphatha engaphelele noma engahambisani.
Ukuhlolwa kokukwazi ukuthenga okungcono
Izidingo zokukwazi ukukhokhela i-NCA zidinga ukuthi abahlinzeki bezikweletu kanye nabeluleki bezikweletu bahlole ukuthi umthengi angakwazi yini ukukhokhela isikweletu esihlongozwayo noma ukuhlelwa kabusha. Lokho kuhlola kufanele kusekelwe ekubukeni okuphelele kwezibopho ezikhona. Uma ama-akhawunti wezinto ezibonakalayo ekhona kwenye i-bureau, ukuwakhipha esibalweni kubukela phansi ukuhlola. I-Multi-bureau idonsa isekela isithombe esinembe kakhudlwana sezibopho zanyanga zonke kanye nemali engenayo etholakalayo, yona esekela ukuthotshelwa kwemithetho. Ukukwazi ukuthenga akuwona umsebenzi wokumaka ibhokisi; kuwumsebenzi obalulekile. Ukuyigcwalisa ngendlela efanele kuvuna ukusebenzisa isethi yedatha egcwele ongayithola ngokunengqondo.
Ukuhlolwa okungalungile okunembe kakhudlwana
Ukudonsa emithonjeni eminingi kunciphisa ingcuphe yokuphuthelwa ukwahlulela, umyalo wokuphatha, noma okuzenzakalelayo. Ayikho i-bureau ene-monopoly kudatha engalungile; izinkantolo kanye nabakweletwayo babika kuma-bureau ahlukene ngezikhathi ezahlukene. Indlela ye-multi-bureau ayisusi ithuba lokuphuthelwa uhlu, kodwa iyalehlisa. Ezinkampanini ezihlola izehlakalo ezimbi ngaphambi kokunikeza isikweletu noma ngaphambi kokuphothula ukubuyekezwa kwesikweletu, lokho kwehliswa kuyinzuzo eqondile yekhwalithi yesinqumo nokulawula ubungozi.
Ukuhambisana Nokucatshangelwa Kwemithetho
Icala lokudonsa kwe-multi-bureau aligcini nje ngokuhlaziya; kuyalawula. UMthetho Kazwelonke Wezikweletu kanye nalokho okulindelwe yi-NCR kusekela umbono wokuthi ukuhlola kufanele kube okuphelele futhi kusekelwe kudatha efanelekile ukuze inhloso.
Izidingo zokufinyeleleka ze-NCA kanye nomsebenzi wokuthihlola ngokucophelela
Isigaba 81 soMthetho Kazwelonke Wezikweletu sidinga ukuthi abahlinzeki bezikweletu bahlole ukuthi bangakwazi yini ukukhokhela ngaphambi kokwenza isivumelwano sesikweletu. Ukuhlola kufanele kucabangele izindlela zezimali ezikhona zomthengi, amathemba, nezibopho. Ukuthembela ku-bureau eyodwa lapho abanye bephethe idatha ebalulekile kunzima ukukwengeza ngomsebenzi wokuhlola kahle. Uma umthengi enama-akhawunti avela kuphela ehhovisi ongalidonsanga, umbono wakho ngezibopho zakhe awuphelele, futhi isiphetho sakho sokukwazi ukuzikhokhela singase sibe nephutha. Idatha ye-Multi-bureau ayifakazisi ngokwayo ukuthobela umthetho, kodwa ibonisa ukuthi inkampani ithathe izinyathelo ezifanele ukuthola isithombe esigcwele sesimo sesikweletu somthengi. Lokho kuqinisa kokubili ikhwalithi yokuhlola nokuzivikela kwayo.
Okulindelwe yi-NCR yokuhlola okuphelele
I-National Credit Regulator ilindele ukuthi abahlinzeki bezikweletu kanye nabeluleki bezikweletu benze ukuhlola okuphelele futhi basebenzise idatha efanele inhloso. Inqubomgomo yokuthembela kwesikhungo esisodwa, lapho ukwakheka kwemakethe kusho ukuthi akukho hhovisi elilodwa elinedatha ephelele, okunzima ukuyivikela “njengelibanzi.” Amafemu akhipha amahhovisi amaningi futhi asebenzise leyo datha ngendlela ehlelekile abekwe kangcono ukuze abonise ukuthi afinyelele izinga. I-NCR ayinikezi inani elithile le-bureau edonsayo, kodwa indlela yokuhamba icacile: ukucophelela kanye nokusetshenziswa kwedatha eyanele kulindeleke.
Ukuvikelwa kocwaningo
Uma umcwaningi mabhuku noma i-NCR ibuza ukuthi isinqumo sifinyelelwe kanjani, ikhono lokukhombisa ukuthi kwaxoxiswana nemithombo eminingi yama-bureau futhi kwabuyiswana ngayo kuqinisa ukucwaningwa kwamabhuku.umkhondo. Kubonisa ukuthi inkampani ayizange ithembele kudatha encane okungenzeka ingaphelele lapho ukubuka okuphelele kwakutholakala ngokunengqondo. Idatha ye-Multi-bureau, ehlanganiswe nemithetho ecacile kanye nemibhalo yokuthi leyo datha yasetshenziswa kanjani, isekela ukulandisa kokuthi inkampani ithathe izinyathelo ezifanele zokuhlola umthengi ngendlela efanele. Lokho kulandisa kubalulekile kukho kokubili ubungozi bokulawula kanye nesithunzi.
Inselele Yokusebenza Yokuhlaziywa Kwezikhungo Eziningi
Ukuvuma izinzuzo zokudonsa kwama-multi-bureau kuyinto eyodwa; ukwenza kubo kungenye. Isithiyo esiyinhloko akuzona izindleko zokudonsa okwengeziwe kodwa ubunzima bokusebenza bokuguqula imibiko eminingi ibe ukubuka okukodwa, okusebenzisekayo.
Amafomethi emibiko ahlukene kuwo wonke ama-bureau
I-bureau ngayinye iletha imibiko ngesakhiwo sayo, ukuhleleka kwesigaba, nokulebula. Idathanamix, I-Experian, I-TransUnion, I-XDS, kanye Compuscan konke kuhlinzeka ngezigaba ezibanzi ezifanayo zolwazi—ama-akhawunti, indlela yokukhokha, ukufakwa kuhlu okungalungile—kodwa indlela lolo lwazi olwethulwa ngayo iyahluka. Izinhlamvu zephrofayela yokukhokha zingasebenzisa amakhodi ahlukene; izingxenye zokwahlulela zingase zibe ezindaweni ezahlukene; amagama ezinkambu namaqembu ayahluka. Noma ubani oqhathanise i-Datanamix PDF neTransUnion PDF uyazi ukuthi uhlobo lwedatha “olufanayo” alukho endaweni noma ngefomethi efanayo. Lokho kungahambisani kuwumthombo omkhulu wokungqubuzana lapho amaqembu ezama ukusebenza kuma-bureau amaningi.
Ukubuyisana mathupha kuwo wonke ama-PDF amaningi kubuhlungu futhi kungamaphutha
Ngaphandle kwesakhiwo esifanayo, abahlaziyi kufanele bavule umbiko ngamunye, bathole izigaba ezifanele, futhi ngokwengqondo noma ngesandla bahlanganise ukuchayeka, ukuziphatha, kanye nokubi.idatha. Ama-akhawunti ayimpinda (isikhungo esifanayo esibikwe kumahhovisi angaphezu kwelilodwa) kufanele akhonjwe futhi akhishwe. Ibhalansi nezitolimende kufanele zihlanganiswe ngaphandle kokubalwa kabili. Ukuziphatha kokukhokha nokufakwa ohlwini okungalungile kufanele kuhlanganiswe kube ukubuka okukodwa. Ukwenza lokhu ngesandla kuma-PDF amabili noma amathathu iklayenti ngalinye kuhamba kancane futhi kujwayele ukwenza iphutha. Njengoba ivolumu ikhula, iba yinto engapheli. Amafemu amaningi aphetha ngokuthi ama-multi-bureau “awumsebenzi omningi kakhulu” futhi abuyela ekuthembekeni kwehhovisi elilodwa hhayi ngoba engabaza inani ledatha eyengeziwe kodwa ngenxa yokuthi izindleko zokusebenza zokuvumelanisa ama-PDF ahlukene ziphezulu kakhulu.
Ukucatshangelwa kwezindleko
Ukudonsa emahhovisi amaningi kubiza ngaphezu kokudonsa kwelinye. Ihhovisi ngalinye likhokhisa ukufinyelela kanye nokudonsa kombiko, kanye nezikali zezindleko ngevolumu. Amafemu adinga ukubona imbuyiselo ecacile: izinqumo ezingcono, ukufakwa ohlwini okugejiwe okumbalwa, ukuthobela okuqinile, kanye nomkhondo wokucwaninga ovikelekayo. Imbuyiselo ikhona, kodwa ibonakala kuphela uma idatha ingasetshenziswa ngempela. Uma idatha ye-multi-bureau ihlala kuma-PDF ahlukene okungekho muntu onesikhathi sokuwahlanganisa, izindleko ezengeziwe zithenga okuncane. Inani le-multi-bureau liyavulwa uma idatha ijwayele ukwenziwa futhi iqhathaniswa; ngaphandle kwalokho, izindleko ziba yisizathu sokunamathela ku-bureau eyodwa naphezu kwemikhawulo.
Isidingo sedatha ejwayelekile, ehlelekile ukwenza ukuhlaziya kwamahhovisi amaningi kusebenze
Umnikezeli wangempela wokuhlaziywa kwamahhovisi amaningi akazimisele kakhulu ukufunda ama-PDF; iguqula idatha esuka kuma-bureau ahlukene ibe ukumelwa okukodwa, okungaguquki. Lapho ukuchayeka, ukuziphatha kokukhokha, nokufakwa ohlwini okungalungile okuvela ku-Datanamix, Experian,I-TransUnion, i-XDS, ne-Compuscan zidwetshwe ku-schema esivamile, imithetho efanayo ingasetshenziswa ngokunganaki umthombo. Ama-akhawunti ayimpinda angatholwa futhi ahlanganiswe. Amanani angabalwa kanye. Ukuhlolwa okungalungile kungasebenza kusethi ehlanganisiwe. Izindleko ezinqenqemeni zokwengeza omunye umthombo we-bureau ziwela lapho ungqimba lokungenisa kanye nokujwayelekile selukhona. Kuze kube yileso sikhathi, ama-multi-bureau ahlala enzima ekusebenzeni futhi amafemu amaningi anamathela ngokunengqondo ehhovisi elilodwa naphezu kokwazi imikhawulo.
Ukwenza Ukuhlaziywa Kwezikhungo Eziningi Kusebenze
Idatha ehleliwe ishintsha isibalo. Akushintshi lokho okushiwo yi-bureaux; ishintsha indlela leyo datha engasetshenziswa ngayo.
Ukwenza idatha ibe evamile kumahhovisi ahlukene iyiswe ekubukeni okukodwa kusho ukuthi kungakhathaliseki ukuthi umbiko womthombo uvela Idathanamix, I-Experian, I-TransUnion, I-XDS, noma Compuscan, imiqondo efanayo—ingqikithi yokuchayeka, ukuziphatha kokukhokha, ukwakheka kohlu olubi emkhakheni ofanele. Abahlaziyi namasistimu bangabese besebenza ngokubuka okukodwa okunengqondo esikhundleni semibhalo eminingi engahambelani.
Ukusebenzisa imithetho engaguquki ngaphandle kokunaka umthombo kuba kuqondile. Ama-Threshold afana nokuthi “ifulegi uma ukwahlulela ezinyangeni ezingu-24 ezedlule” noma “isamba sezitolimende akumele sidlule u-x% wemali engenayo” asebenza ngendlela efanayo kudatha yanoma iyiphi i-bureau. Lokho kuvumelana kuthuthukisa ikhwalithi yesinqumo nokufundeka kahle. Kuphinde kwenze kube lula ukwengeza enye i-bureau: uma ipayipi lokujwayela selikhona, ukufaka ifomethi entsha yehhovisi kuyindaba yokwelula ipayipi kunokuqeqesha abasebenzi kwenye i-PDF layout.
Ukugcina umlandoidatha yamahhovisi amaningi isekela ukuhlaziywa kwethrendi. Uma ukudonsa ngakunye—kusuka kunoma iyiphi i-bureau—kugcinwa njengedatha ehlelekile futhi kuxhunyaniswe neklayenti nosuku, ungaqhathanisa ukuchayeka nokuziphatha ngokuhamba kwesikhathi ngisho nalapho ingxube yemithombo yehhovisi ishintsha. Lokho kusekela kokubili ukuphathwa kwamacala kanye nokuqapha ubungozi bephothifoliyo.
Ukunciphisa izindleko ezinqenqemeni zokwengeza omunye umthombo wehhovisi kuwumphumela wemvelo. Izindleko ezingashintshi zisekwakheni nasekugcineni ungqimba olujwayelekile; izindleko eziguquguqukayo zokudonsa i-bureau eyengeziwe kanye nokuphakela ekubukeni okufanayo ziphansi kakhulu. Amafemu enze lokho kutshalwa kwezimali angakwazi ukuphuma kuma-bureau amaningi ngaphandle kokukhula ngokulinganayo emzamweni wezandla. Ukuze uthole ukuqhathanisa okuningiliziwe kokuthi amahhovisi amakhulu ahluka kanjani nokuthi angena kanjani esu lama-multi-bureau, bheka i-ukuqhathaniswa kwe-credit bureau eNingizimu Afrika yethu. Ukuze uthole umbono oyisisekelo wokuthi ungatolika kanjani okukhiphayo kwehhovisi ngokunganaki umthombo, bheka umhlahlandlela wethu kokuthi ungawufunda kanjani umbiko wezikweletu ngobungcweti.
Izinyathelo Ezilandelayo
Ukwethembela esikhungweni esisodwa kuyifa lomkhuba kanye nesithiyo sokusebenza, hhayi umkhuba ongcono kakhulu. Indawo yehhovisi laseNingizimu Afrika ihlukaniswe ngomklamo; ababolekisi abahlukene babika kuma-bureau ahlukene, futhi umthengi ofanayo angabukeka ehlukile kunombiko owodwa kuya komunye. Ochwepheshe bezikweletu abathembele ku-bureau eyodwa bamukela izindawo eziyimpumputhe ekufakweni kwedatha, ukuhluka kwamaphuzu, kanye nokuhlolwa okungalungile. I-NCA kanye ne-NCR balindele ukuhlolwa okuphelele, okuqhutshwa yidatha; ukuhlangabezana nalokho okulindele kulula uma idatha oyisebenzisayo iphelele ngendlela ongayenza ngayo. Ukudonsa kwe-Multi-bureau, kuhlanganiswe nokuhlaziywa okujwayelekile, okuhlelekile, kuguqula lokho kuphelela kube okuthileiyalawuleka. Uma ungathanda ukubona ukuthi indlela ehlelekile, yamahhovisi amaningi ingasekela kanjani ukugeleza komsebenzi wakho, thintana ukuze uthole idemo.