TransUnion Credit Report South Africa | Indlela Yokukuhlaziya
Funda ukuthi ungayihlaziya kanjani imibiko yezikweletu yeTransUnion eNingizimu Afrika. Qonda ukuthi umbiko uquketheni nokuthi uyihlela kanjani idatha yekhredithi ukuze isetshenziswe ngochwepheshe.
I-TransUnion ingelinye lama-credit bureau amakhulu eNingizimu Afrika futhi anesikhathi eside asungulwa, futhi imibiko yawo iwukufaka okujwayelekile kwabeluleki ngezikweletu, abadayisi bezikweletu kanye nabanikezeli bezikweletu ezweni lonke. Njengeminye imiphumela ye-bureau, imibiko ye-TransUnion ivamise ukufika njengama-PDF, okukhawulela ukuthi leyo datha ingahlaziywa, iqhathaniswe, futhi iphinde isetshenziswe kanjani kuzo zonke izimo. Kochwepheshe bezikweletu abathembele kudatha ye-TransUnion nsuku zonke, ukuqonda ukuthi umbiko uqukethe ini nokuthi ungasuka kanjani emfundweni yemibhalo uye ekuhlaziyeni okuhleliwe kubalulekile. Lo mhlahlandlela uchaza izingxenye eziyinhloko zombiko wezikweletu we-TransUnion esimweni saseNingizimu Afrika, imikhawulo yokusebenza yokuhlaziywa kwe-PDF okwenziwa ngesandla, kanye nokuthi ukuhlelwa kwedatha efanayo kuyishintsha kanjani ibe yimpahla elungele izinqumo.
Iquketheni Imibiko Ye-TransUnion
Umbiko wezikweletu we-TransUnion eNingizimu Afrika wakhiwe ngezigaba eziningi, ngasinye sisebenza ngenjongo ethile yokuhlola ubungozi kanye nokuhlola ubuwena. I-TransUnion ibambe imininingwane ejulile yezohwebo ngenxa yokubamba iqhaza okubanzi kwababolekisi emakethe yaseNingizimu Afrika, futhi imibiko yayo ingena ezinhlelweni eziningi zokuthatha izinqumo zababolekisi. Ukwazi ukuthi isigaba ngasinye sisho ukuthini kukusiza ukuthi uhumushe umbiko ngendlela efanele futhi ubone ukuthi yini ebalulekile esimweni sakho sokusebenzisa. Ukuze uthole umongo obanzi mayelana nokuphumayo kwehhovisi lotolika, bheka umhlahlandlela wethu ku- ungawufunda kanjani umbiko wezikweletu ngobungcweti.
Ama-akhawunti esikweletu nezinsiza (avuliwe futhi avaliwe)
Umbiko ubala womabili ama-akhawunti esikweletu avuliwe navaliwe: amakhadi esitolo, imalimboleko yomuntu siqu, imali yemoto, imali mboleko yezindlu, nezinye izinsiza. Ku-akhawunti ngayinye ngokuvamile ubona igama lomkweletwayo, inombolo ye-akhawunti (imvamisa imbozwe kaNCAne), idethi yokuvula, yamanjeibhalansi, umkhawulo wesikweletu noma inani langempela, kanye nesimo se-akhawunti (isb. esamanje, esilele emuva, esivaliwe). Ukwehlukanisa okuvuliwe kuma-akhawunti avaliwe kubalulekile lapho kubalwa izilinganiso zesikweletu nemali engenayo, kuhlolwa ukufinyeleleka, noma ukwakha isiphakamiso sokuhlela kabusha isikweletu. Ngefomu le-PDF, lolu lwazi ngokuvamile lusatshalaliswa kuwo wonke amathebula nezindima, ngakho ukukhipha uhlu oluhlanzekile lwazo zonke izinsiza zeklayenti elilodwa kuvame ukudinga ukuskena mathupha nokukopishwa. Ukuhlanganisa okuphelele kwe-TransUnion kwe-tradeline kusho ukuthi kungenzeka ubone isithombe esigcwele sokuchayeka komthengi noma kwebhizinisi kubo bonke ababolekisi ababambe iqhaza.
Izinhlamvu zephrofayela yokukhokha nomlando wokuziphatha
Umlando wokukhokha ungenye yezingxenye ezinomthelela omkhulu kulo mbiko. I-TransUnion iyethula ngochungechunge lwephrofayela yokukhokha ehlelekile esebenzisa amakhodi ezinombolo: isibonelo, u-0 ubonisa amanje, u-1 ubonisa inyanga eyodwa esalele emuva, u-2 ubonisa izinyanga ezimbili, njalo njalo. Lezi zintambo zikuvumela ukuthi ubone amaphethini ngokuhamba kwesikhathi—ukukhokha sekwephuzile, okuzenzakalelayo okuphindaphindiwe, noma ukuthuthukiswa kwakamuva. Kubeluleki bezikweletu, lokhu kubalulekile lapho ubeka phambili ama-akhawunti noma uchazela iklayenti ukuthi kungani ama-akhawunti athile amakwe. Kubathengi nababolekisi, kuqhuba isifiso sokudla engozini. Ku-PDF, lezi zintambo ziwumbhalo nje; ngaphandle kokuyihlaziya, ngeke ukwazi ukuwaqhathanisa kalula kuwo wonke amakhasimende noma usebenzise imithetho (isb. hlaba umkhosi uma ngabe iyiphi i-akhawunti ebonisa izinyanga ezintathu noma ngaphezulu ezilandelanayo zisilele emuva). Ukuqonda uhlelo lokufaka amakhodi kuyisinyathelo sokuqala sokusebenzisa indlela yokukhokha ngendlela ehlelekile.
Izahlulelo, okuzenzakalelayo, nokufakwa kuhlu okuphambene
Izahlulelo (imiyalelo yenkantolo) kanye nokuzenzakalelayo (okuzenzakalelayo okusemthethweniisimo nomkweletwayo) zivela njengokufakiwe okuhlukene noma amafulegi embikweni. Zinomthelela oqondile ekufanelekeleni isikweletu futhi ngokuvamile ekufanelekeleni ukuthola isikweletu esisha noma imiphumela yokubuyekezwa kwezikweletu. Imibiko ye-TransUnion ibonisa amadethi, amanani, kanye negama lombolekisi noma inkantolo. Ngokuthobelana nezingxoxo zamaklayenti, udinga ukwazi kahle ukuthi iziphi izahlulelo nokungaphumeleli okukhona nokuthi zarekhodwa nini. Ngefomethi ye-PDF, lolu lwazi lugqitshwe ekulandiseni noma emabhuloki ethebula; ukudonsa uhlu olungaguquki lwawo wonke amaklayenti kuyakhathaza futhi kujwayele ukuba namaphutha. Okufanayo kuyasebenza nakwezinye izinhlu ezimbi ezingase zivele ngaphansi kwedatha yomthengi noma yezentengiso ye-TransUnion.
Imibuzo (iqinile futhi ithambile)
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 lolu wuhlu ongalufunda mathupha—awukwazi ukuhlunga kalula ngohlobo, idethi, noma ukubuza kuyo yonke imibiko eminingi.
Izikolo zekhredithi nezinkomba zobungozi (TransUnion Empirica)
Amaphuzu e-TransUnion’s Empirica asetshenziswa kakhulu emakethe yokubolekisa ngemali yaseNingizimu Afrika. Umbiko ungase uhlanganise lesi sikolo noma ezinye izinkomba zobungozi ezifingqa ukufaneleka kwekhredithi. Ziwusizo njengesignali esheshayo kodwa kufanele ziqondwe kumongo: amaphuzu ewodwa awabonisi ukuthi kunganiothile usengozini 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. Lapho ukuqhathanisa amahhovisi, amandla e-TransUnion ahlanganisa idatha yayo ebanzi yomugqa wokuhweba, umlando omude emakethe yaseNingizimu Afrika, amaphuzu e-Empirica, nokubamba iqhaza kwababolekisi okubanzi.
Ubunikazi kanye nedatha yokuqinisekisa ikheli
Imibiko yeTransUnion eNingizimu Afrika ihlanganisa idatha ehlobene nomazisi esetshenziselwa ukuqinisekiswa: amagama, izinombolo zikamazisi, 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. I-bureau iphethe kokubili idatha yomthengi neyezohwebo, ngakho-ke ubuwena nolwazi lwekheli lungavela ezigabeni ezihlukene kuye ngomkhiqizo. Ku-PDF, izinkambu zobunikazi zixutshwa nakho konke ukulandisa, ngakho-ke ayikho indlela ehlelekile yokuwahlola esikalini.
Idatha embikweni we-TransUnion ibalulekile futhi inegunya. Umkhawulo akuyona i-bureau; kungenxa yokuthi ngefomu le-PDF idatha ayikalungeli isinqumo. Awukwazi ukwenza imithetho ngokuzenzakalelayo, uqhathanise amaklayenti, noma ubhale izinguquko ngaphandle kokuqala uguqule lokho okuqukethwe kube idatha ehleliwe.
Imikhawulo Yokusebenza Yokuhlaziya Mathupha
Ama-PDF enzelwe ukubukwa nokuphrinta, hhayi ukuhlaziya noma ukuzenzela. Lowo mklamo udala okwangempelaimikhawulo yokusebenza yanoma ubani ocubungula imibiko ye-TransUnion (noma enye i-bureau) ngevolumu.
Okokuqala, ukungaguquguquki kuwo wonke amalungu eqembu kuyahlupheka. Umbiko ungase ubukeke njengethebula, kodwa ohlelweni isethi yemigqa, umumo, namabhulokhi wombhalo. Ayikho inkambu yomdabu yebhalansi, intambo yokukhokha, noma idethi yokwahlulela—ngakho ngaso sonke isikhathi lapho othile edinga ukusebenzisa lolo lwazi, kufanele alufunde futhi alubhale kwenye indawo. Omunye umhlaziyi angase agxile ekuziphatheni kokukhokha kwakamuva; omunye angase alinganise okuzenzakalelayo komlando kakhulu. Umfakisicelo ofanayo noma iklayenti lingaphathwa ngendlela ehlukile kuye ngokuthi ubani obuyekeza ifayela. Ngaphandle kokukhipha okuhleliwe, umthetho wesinqumo ofanayo usetshenziswa ngokungahambisani ekusebenzeni.
Okwesibili, isivinini nengozi yephutha ikhula ngevolumu. Ukukopisha ibhalansi, amakhodi okukhokha, namadethi asuka kuma-PDF uwayise kumaspredishithi noma amafayela ekesi kuyaphindaphinda futhi kuthambekele ekubhalweni, ukufanisa i-akhawunti okungalungile, nezibalo eziphelelwe yisikhathi. Uma inombolo eyodwa ingalungile, ukubala komfula kanye nezincomo kungase kube okungalungile nakho. Esimeni esilawulwayo, lawo maphutha angabukela phansi ukwethenjwa kwekhasimende kanye nemiphumela yocwaningo. Okusebenzele idlanzana lamacala ngenyanga kuba okungalawuleki uma ucubungula amakhulu emibiko.
Okwesithathu, ukulandelela izinguquko ngokuhamba kwesikhathi kunzima. Ukuze ubone ukuthi iphrofayela yekhasimende yekhredithi 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 bese uwaqhathanisa mathupha lapho kudingeka. Asikho isixhumanisi esakhelwe phakathi phakathi kokudonsa okukodwa nokulandelayo, ngakhoukuhlaziya izitayela kanye nemibono yangaphambili/emva kwayo idinga abasebenzi futhi ngokuvamile ayiphelele.
Okwesine, izinselelo zokuthobela nokulandela umkhondo wocwaningo ziyaphindaphindeka. Uma i-NCR noma umcwaningi mabhuku wangaphakathi ebuza ukuthi isincomo sifinyelelwe kanjani, udinga ukukhomba idatha eqondile eyasetshenziswa nokuthi yakhishwa nini. Ngama-PDF, lokho kusho ukuthola ifayela elilungile, ukulivula, futhi unethemba lokuthi inguqulo onayo iyona esetshenziswe ngempela esinqumweni. Isitoreji, ukwenza inguqulo, kanye “nemuphi umbiko esiwusebenzisele leli cala?” iba ama-overheads amakhulu njengoba umthamo ukhula.
I-takeaway: i-bottleneck ayivamisile ukuba yikhwalithi yedatha ye-TransUnion—ukuthi idatha enhle kakhulu ilethwa ngefomethi engasekeli ukuhlaziywa okuhleliwe, ukuqhathanisa, noma ukuhlola. Ukubhekana nalelo gebe lefomethi yikho okuvumela amafemu ukuthi asebenzise idatha yeTransUnion ngendlela efanele esikalini.
Ukusuka kuDokhumenti kuya Ekusekelweni Kwesinqumo
Uma idatha ye-TransUnion (noma enye i-bureau) ihlelwa—ihlukaniselwa ezinkambini ezingashintshi futhi igcinwe ohlelweni oluqonda ama-akhawunti, izintambo zokukhokha, izahlulelo, imibuzo, kanye nezikolo—umbiko ofanayo uba uhlobo oluhlukile lwempahla.
Idatha eyakhiwe ivumela ukutolika okusheshayo nokusebenzisa umthetho ongaguquki. Esikhundleni sokuskrola ku-PDF, ubona isifinyezo: ukuchayeka okuphelele, inani lama-akhawunti aselele emuva, ukuba khona kwezahlulelo noma okumisiwe, inani lemibuzo yakamuva. Imithetho njengokuthi “maka uma iphrofayela yokukhokha ibonisa izinyanga ezintathu noma ngaphezulu ezilandelanayo kunoma iyiphi i-akhawunti” noma “ungabandakanyi kulokho okunikezwayo uma kunesinqumo esingakhokhelwa ezinyangeni ezingu-24 ezidlule” ingasetshenziswa ngendlela efanayo kuwo wonke amaklayenti. Lokho kunciphisa ukungahambisani nokuchema okuvela ezikhangiswenihoc incazelo. Idatha yomthombo kuseyi-TransUnion; indlela oyisebenzisa ngayo iba yinto ephindaphindwayo futhi evikelekayo.
Ukuvumelana kwekesi nekesi kanye nemibhalo kuyathuthuka. Lapho wonke amaklayenti ehlolwa kusetshenziswa isakhiwo nemithetho efanayo, ungakwazi ukuthethelela izinqumo ngokucacile ngesikhathi sokucwaningwa kwamabhuku. Ungakhomba idatha enembile esetshenzisiwe, imithetho esetshenzisiwe, nesitembu sesikhathi sombiko—konke ngohlelo olulodwa. Ukuxhumana phakathi kwedatha ye-bureau kanye nomphumela kucacile, okuqinisa ukuthobela futhi kunciphisa ubungozi bezomthetho nesithunzi.
Ukugeleza komsebenzi kuyashintsha kusukela kokusebenza kuya kokuqhubekayo. Esikhundleni sokuvula i-PDF ngayinye, uyifunde, futhi uthembe ukuthi akukho okuphuthelwe, uhlelo luveza amaqiniso abalulekile, lusebenzisa imithetho yakho, futhi lugcina umkhondo wokuhlola ocacile. Ungakwazi ukulandelela ukuvela kwekhredithi ngokuhamba kwesikhathi kuklayenti ngalinye ngokugcina umbiko ngamunye njengedatha ehlelekile futhi uyixhumanise neklayenti kanye nedethi. Lokho kusekela kokubili ukuphathwa kwecala (isb. inqubekelaphambili yokwelulekwa ngezikweletu) kanye nokulawulwa kwezingcuphe (isb. isixwayiso sangaphambi kwesikhathi lapho iphrofayela yeklayenti iwohloka). Ukuthatha izinqumo okumatasa kuthatha indawo yokufunda okusebenzayo.
Idatha yomthombo ayishintshi: kusengumbiko wezikweletu we-TransUnion. Yini izinguquko ukusetshenziswa. Kungaleyo ndlela indlela yedatha ehlelekile iguqula okukhiphayo kwehhovisi kube inzuzo yangempela kochwepheshe bezikweletu baseNingizimu Afrika.
Ubani Odinga Ukuhlaziywa Kwe-TransUnion Okuhlelekile
Ukuhlaziywa okuhleliwe kwedatha ye-TransUnion (nenye i-bureau) ibalulekile kunoma iyiphi inkampani esebenzisa imibiko yezikweletu ngokuphindaphindiwe futhi edinga ukungaguquguquki, isivinini, kanye nokuhlolwa.
Abeluleki ngezikweletu bacubungula imibiko ephindaphindayo ukuze kuhlolwe,ukuhlelwa kabusha, kanye nokugunyazwa kudinga ukuqhathanisa idatha kuwo wonke amakhasimende futhi ngokuhamba kwesikhathi, kubhalwe ukuthi izincomo zafinyelelwa kanjani, futhi isingathe ama-caseloads akhulayo ngaphandle kokukhula ngokulinganayo emsebenzini wezandla. Idatha ehlelekile isekela konke lokho. Umugqa wokuhweba ojulile we-TransUnion kanye nedatha yomlando wokukhokha iwusizo ikakhulukazi ekwakheni uhlu olunembile lwezikweletu nokubeka phambili ama-akhawunti.
Abadayisi bezikweletu abafake izicelo abafanelekayo futhi babafanise nababolekisi kudingeka bafunde ubungozi kanye nokufinyeleleka ngokushesha, bagweme ukufaka kabusha ukhiye kuma-PDF, futhi bethule inqubo yobungcweti, engaguquki. Uma idatha ye-TransUnion yakhiwe, izinkomba ezibalulekile kanye nomxholo wamaphuzu we-Empirica kungavezwa eduze nenye idatha ye-bureau endaweni eyodwa, ngakho ukuhlola kuyashesha futhi kuvumelana kakhulu.
Abahlinzeki bezikweletu abenza izinqumo zokubolekisa kudingeka basebenzise imithetho yenqubomgomo ngokungaguquki, balandelele ubungozi bephothifoliyo, futhi banelise izimfuneko zokucwaningwa kwamabhuku kwangaphakathi nezokulawula. Idatha yeTransUnion ingena ezinhlelweni eziningi zokuthatha izinqumo zababolekisi eNingizimu Afrika; lapho leyo datha efanayo ihlelwa ngaphakathi endlini, ingqondo yesinqumo ingasetshenziswa ngokufanayo futhi ichazwe ngokucacile kukho kokubili izinqumo ezizenzakalelayo nezandla.
Amaqembu ezinqumo zezimali emabhange, abathengisi, noma ababolekisi abangochwepheshe abadinga ukuvumelana okufanayo kubo bonke abahloli futhi ngesikhathi sonke bazuza ngokubuka okukodwa kwedatha yehhovisi, enemithetho nomlando endaweni eyodwa. Ukuthengwa kweTransUnion kwabathengi kanye nezohwebo kukwenza kuhambisane nezinqumo zomuntu siqu nezebhizinisi.
Ngamafuphi: noma iyiphi inkampani ecubungula idatha yezikweletu ephindaphindayo ngevolumu—kungaba isuka kwaTransUnion iyodwa noma isuka kwaTransUnion eceleni kwe-Experian, Datanamix,noma ezinye—zizofinyelela imikhawulo yokugeleza komsebenzi okusekelwe ku-PDF. Labo abakha idatha bangakwazi ukuyihlaziya kahle, balinganise ngaphandle kwe-overhead elinganayo, futhi bagcine izinqumo zivikelekile futhi zithobelana.
Bona ukuthi Ukuhlaziya Okuhlelekile Kusebenza Kanjani Ekusetshenzisweni
Imibiko yezikweletu yakwaTransUnion iyinsika yokuhlolwa kwezikweletu eNingizimu Afrika. Ukuwasebenzisa ngempumelelo kusho ukwedlula ama-PDF amile futhi uguqule idatha yehhovisi ibe ulwazi oluhlelekile, oluqhathanisekayo nolufundekayo.
Xhumana ukuze ubhukhe idemo futhi ubone ukuthi indlela yokuhlaziya ehlelekile isebenza kanjani: ukuthi izinkomba ezibalulekile ezivela kwa-TransUnion (namanye amahhovisi) zivela kanjani ngokushesha, ukuthi imithetho yesinqumo isetshenziswa kanjani ngokungaguquki, nokuthi ithimba lakho lingayihlaziya kanjani imibiko yezikweletu ngendlela efanele—ngaphandle kokugoqa ngesandla.