52 izihloko
Funda ukuthi yiziphi izidingo zomkhondo wocwaningo osebenzayo ekuhlolweni kwezikweletu eNingizimu Afrika ngaphansi kwe-NCA. Qonda ukuthi abalawuli balindeleni nokuthi bangakugcina kanjani ukuthobela.
Qonda Ikhodi Yokuziphatha Ye-Credit Bureau Association nokuthi isho ukuthini kochwepheshe bezikweletu abafinyelela futhi basebenzise idatha ye-bureau eNingizimu Afrika.
Izidingo zemvume ye-POPIA yokuhlolwa kwezikweletu eNingizimu Afrika. Isho ukuthini imvume evumelekile, yimaphi amafomu okumele aqukathe, ubude besikhathi, kanye nezibopho zokugcina amarekhodi.
Umhlahlandlela osebenzayo wokuthobela we-NCA wabanikezeli bezikweletu baseNingizimu Afrika, abadayisi, kanye nabeluleki bezikweletu ohlanganisa izibopho, izilawuli, kanye namazinga okurekhoda.
Qonda izimfuneko zokugcina amarekhodi e-NCA kubanikezeli bezikweletu baseNingizimu Afrika kanye nabeluleki bezikweletu, okuhlanganisa nokuthi yini okufanele uyigcine, isikhathi esingakanani, futhi ngani.
Umhlahlandlela we-NCA weSigaba 81 sezibopho zokuhlola ukukwazi ukukhokhela abahlinzeki bezikweletu baseNingizimu Afrika. Izinyathelo ezidingekayo, izindinganiso zemibhalo, nezikhala zokuthobela imithetho.
Uhlu lokuhlola olusebenzayo lwe-NCR lwabeluleki bezikweletu baseNingizimu Afrika. Ihlanganisa ukubhaliswa, amafayela wamacala, ama-akhawunti wokuthembana, i-POPIA, kanye nokutholwayo kocwaningo oluvame kakhulu.
Funda izidingo zokubhaliswa kwe-NCR zabeluleki bezikweletu nabahlinzeki bezikweletu eNingizimu Afrika, kusukela ezinyathelweni zokufaka isicelo kuye ezibophweni eziqhubekayo zokuthobela imithetho.
Umhlahlandlela osebenzayo wokuthobela i-POPIA lapho uphatha imininingwane ye-credit bureau eNingizimu Afrika. Qonda izibopho zakho njengengxenye enesibopho noma opharetha.
Qonda isikweletu esinqunyiwe eNingizimu Afrika: umthetho weminyaka emi-3, Umthetho Kadokotela, i-NCA Isigaba 126B, ukubika kwe-bureau, nokuthi kusho ukuthini kochwepheshe bezikweletu.
Qonda imithetho yokubolekisa budedengu ngaphansi kwe-NCA yaseNingizimu Afrika kanye nalokho abahlinzeki bezikweletu okufanele bakwenze ngesikhathi sokuhlola ukungakwazi ukukhokhela ukugwema ukwephulwa komthetho.
Qonda ukufakwa kuhlu okungalungile emibikweni yezikweletu zaseNingizimu Afrika: izahlulelo, okuzenzakalelayo, ama-oda omlawuli, ukuthathwa kwempahla. Ochwepheshe bezikweletu abahlola ubungozi kanye nokufinyeleleka.
Qonda izimfuneko zokuhlola ukukwazi ukukhokhela i-NCA eNingizimu Afrika, okuhlanganisa iSigaba 81 no-82, okokufaka okudingekayo, nokulawula kwezinqumo ezilungele ukuhlolwa.
Ukuqinisekiswa kwesicelo sesikweletu eNingizimu Afrika: imali engenayo, ukuqashwa, izindleko, nokubuyisana kwehhovisi. Izinqubo zokuthobela i-NCA zokunciphisa ukubolekisa ngobudedengu.
Funda ukuthi ukushaya amaphuzu esikweletu kusebenza kanjani kuwo wonke amahhovisi aseNingizimu Afrika, ukuthi yini ebangela izinguquko zamaphuzu, nokuthi kungani ochwepheshe kungafanele bathembele embikweni owodwa.
Bala futhi usebenzise isilinganiso sesikweletu semali engenayo ekuhloleni izikweletu eNingizimu Afrika. I-DTI, ukufinyeleleka kwe-NCA, kanye nokuhlaziywa okungaguquki okusekelwe ehhovisi.
UbuNCAne bezindleko zezinkambiso zokuhlola izikweletu eNingizimu Afrika. Ungasetha kanjani, ufake isicelo, futhi ubhale phansi amabhentshimakhi ezindleko zokuphila ukuze ukwazi ukufinyeleleka okuthobelana ne-NCA.
Funda indlela yokuhlola ukuba nezikweletu ngokweqile ngaphansi kwe-NCA eNingizimu Afrika, okuhlanganisa incazelo yezomthetho, amaphuzu edatha adingekayo, nezinyathelo zokubuyekeza ezingokoqobo.
Humusha amakhodi ephrofayela yokukhokha asetshenziswa emibikweni yehhovisi laseNingizimu Afrika, thola amaphethini okukhokha, futhi uguqule umlando we-akhawunti ube amasiginali ezingozi ezingase zisebenze.
Ukuhlolwa kwezikweletu okuzisebenzele eNingizimu Afrika: izitatimende zasebhange, isilinganiso semali engenayo, ukuqinisekiswa kwentela, nokuthobela i-NCA kubabolekisi nabadayisi. Isiqondiso esiwusizo.
Isinyathelo ngesinyathelo sokubala imali engenayo eningi yokuhlola ukukwazi ukuthengeka eNingizimu Afrika. Isibonelo esisebenzayo ngamaRandi sabanikezeli bezikweletu, abadayisi, nabeluleki.
Umhlahlandlela wochwepheshe wokuhlaziya imibiko yezikweletu zeCompuscan eNingizimu Afrika. Qonda okuqukethwe kombiko, imikhawulo, nokuthi idatha ehlelekile ikuthuthukisa kanjani ukugeleza komsebenzi.
Ungawusebenzisa nini umbiko wesikweletu sohwebo eNingizimu Afrika uma kuqhathaniswa nombiko wabathengi. Umehluko obalulekile wabahlinzeki bezikweletu kanye nabathengi abahlola ama-SME kanye nabadayisi bodwa.
Qhathanisa i-Datanamix, i-Experian, ne-TransUnion eNingizimu Afrika, okuhlanganisa ukumbozwa kwedatha, amasiginali wamaphuzu, nokwehluka kwemibiko okuthinta izinqumo zezikweletu.
Qonda amarekhodi emibuzo yezikweletu eNingizimu Afrika. Funda ukuthi imibuzo enzima nethambile ihluka kanjani, ukuthi iwathinta kanjani amaphuzu, nokuthi isho ukuthini kochwepheshe.
Funda indlela yokufunda imibiko yezikweletu yaseNingizimu Afrika kuwo wonke ama-bureau amakhulu, uhlonze izinkomba ezibalulekile zobungozi, futhi uguqule imininingwane yombiko ibe izinqumo ezingaguquki.
Bona ukuthi kungani ukudonsa imibiko yama-bureau amaningi kuthuthukisa ukubonakala kwengcuphe eNingizimu Afrika, kunciphisa izindawo eziyimpumputhe, futhi kusekele izinqumo ezithembeke kakhulu zokuboleka.
Funda ukuthi ungatolika kanjani izitayela zemibiko yezikweletu eNingizimu Afrika ngokuhamba kwesikhathi. Landelela ukunyakaza kwamaphuzu, umlando wokukhokha, nezinguquko zokuchayeka ukuze uthole izinqumo ezingcono zekhredithi.
Funda ukuthi ungayihlaziya kanjani imibiko yezikweletu yeTransUnion eNingizimu Afrika. Qonda ukuthi umbiko uquketheni nokuthi uyihlela kanjani idatha yekhredithi ukuze isetshenziswe ngochwepheshe.
Qonda ukuthi imibiko yezikweletu ye-XDS iquketheni eNingizimu Afrika nokuthi ungadlulela kanjani ngale kwemikhawulo ye-PDF ukuze uhlaziye izikweletu ngochwepheshe.
Qhathanisa izinketho zesofthiwe yokuhlola izikweletu zabahlinzeki, abadayisi, nabeluleki, ugxile ekuhlanganisweni kwehhovisi, ukuthobela, kanye nezidingo zokuhamba komsebenzi.
Ukufaneleka kwangaphambili komthengisi wezikweletu eNingizimu Afrika. Hlola abafaki zicelo ngaphambi kokufaka isicelo esigcwele ukuze unciphise umzamo omoshiwe futhi ugxilise umzila wakho kumadili asebenzayo.
Umhlahlandlela osebenzayo wokungena wamaqembu abahlinzeki bezikweletu asebenzisa isofthiwe yokuhlola, ehlanganisa ukuhlelwa kokukhishwa, ukumisa, ukuqeqeshwa, kanye nezinyathelo ezibalulekile zokwamukela.
Umhlahlandlela wokuphatha umeluleki wezikweletu eNingizimu Afrika. Kala ukwenza kwakho ngedatha emaphakathi, ukuhamba komsebenzi okujwayelekile, namarekhodi alungele i-NCR.
I-software yokwelulekwa kwezikweletu zonke endaweni eyodwa yamafemu aseNingizimu Afrika ukuze ahlaziye imibiko yehhovisi, agcine amarekhodi athobela i-NCR, futhi athuthukise ukungaguquguquki kwezinqumo.
Landela inqubo yokubuyekezwa kwezikweletu ngaphansi kwe-NCA kusukela ekuthathweni kuya kumyalelo wemvume, nezidingo ezibalulekile zamadokhumenti abeluleki bezikweletu baseNingizimu Afrika.
Umhlahlandlela wochwepheshe weFomu 17.2 lokwelulekwa ngezikweletu eNingizimu Afrika, okuhlanganisa nokuqukethwe kwesiphakamiso esidingekayo kanye nezixhumanisi zeFomu 16, 17.1, kanye ne-17.3.
Umhlahlandlela wobungcweti wokugeleza komsebenzi wokuqalwa kokubolekwa kwemali kokuphela kuze kube sekugcineni kwabadayisi bezikweletu baseNingizimu Afrika, kusukela ekuthathweni komthofu ngokuhlola ubungozi kanye nenkokhelo.
Umhlahlandlela osebenzayo wababolekisi abaNCAne ababhaliswe ku-NCR abasebenzisa ukuhlolwa kwekhredithi ngokuzenzakalelayo ngedatha ye-bureau ehlelekile, ukuqonda kokufinyeleleka, kanye nezilawuli zokuthobela.
Izidingo zokulawula ababolekisi abaNCAne eNingizimu Afrika. Ukubhaliswa kwe-NCR, ukufinyeleleka kwe-NCA, inzalo kanye nenani lemali ekhokhwayo, ukuboleka budedengu, kanye nokuthobela imithetho.
Ukucutshungulwa kombiko wenqwaba yezikweletu eNingizimu Afrika kuthatha kanjani indawo yehhovisi elilodwa ngesikhathi kubabolekisi nabadayisi. Idatha ehleliwe, izindlela zokuhlola, isikali.
Izindlela ezingcono kakhulu zokuphathwa kwemibhalo ezinkampanini zezikweletu zaseNingizimu Afrika. Hlela amakhophi kamazisi, ama-payslip, namafomu emvume kanye nemibiko yezikweletu ukuze kuhlolwe.
Izifanekiso ezisebenzayo zokuhlola izikweletu kanye nezinhla zokuhlola zochwepheshe bezikweletu baseNingizimu Afrika. Ukubuyekezwa kwehhovisi, ukukwazi ukukhokhela, ukuqinisekiswa, nokuhambisana.
Funda ukuthi ukugeleza komsebenzi okuzenzakalelayo kungena esikhundleni sokubikwa kwesikweletu esisindayo se-PDF kube nezinqubo ezisheshayo, ezinembe kakhudlwana, nezilungele ukuhlolwa kwamaqembu ezikweletu aseNingizimu Afrika.
Bona ukuthi ukuhlanganiswa kwe-CRM kuxhumanisa kanjani idatha ye-bureau nepayipi lakho lokuboleka, kunciphisa ukungena mathupha, futhi kuthuthukisa izikhathi zokushintsha izinqumo zekhredithi.
Kungani kubalulekile ukulawula ukufinyelela okusekelwe endimeni emaqenjini ezikweletu eNingizimu Afrika. Vikela idatha yehhovisi elibucayi, uhlangabezane nezimfuneko ze-POPIA, futhi ulondoloze izindlela zokucwaninga ezihlanzekile.
Yakha isizindalwazi esiseshekayo sombiko wesikweletu esithatha isikhundla sama-PDF namaspredishithi ahlakazekile ngedatha ehlelekile, ebuyisekayo ukuze uthole izinqumo ezisheshayo nezifundekayo.
Umhlahlandlela osebenzayo wokushintsha usuke ku-Excel uye kwisofthiwe yokuhlola isikweletu esizinikele eNingizimu Afrika. Uma amaspredishithi ayeka ukukala nokuthi kufanele enzeni ngakho.
Isofthiwe ye-Credit broker yaseNingizimu Afrika. Hlaziya imibiko yezikweletu ngokushesha, ufaneleke kuqala abafake izicelo, futhi uthuthukise izilinganiso zokugunyaza imali mboleko.
Isofthiwe yomhlinzeki wezikweletu eyakhelwe inhloso eNingizimu Afrika. Imibiko esheshayo yezikweletu, ukuhlaziywa kwengcuphe okuhleliwe, nemikhondo yokuhlola elungele isilawuli yokuboleka okuhlakaniphile.
Funda indlela yokufunda nokuhlaziya imibiko yezikweletu ze-Experian eNingizimu Afrika. Qonda imikhawulo yama-PDF kanye nendlela yokuhlela idatha yekhredithi.
Qonda indlela yokuhlaziya imibiko yekhredithi ye-Datanamix eNingizimu Afrika futhi unqobe imikhawulo ye-PDF ngedatha yekhredithi ehleliwe.