Buda maFredit Credit Institutions Ndiyo imwe yenyaya dzinonyanya kufarira vanhu avo varipo parunyorwa rwevanotadza musangano uyu.

Izvo zvakakosha kuti yako data ibviswe kubva mufaira sezvo vachiri kugara imomo, hapana bhangi, mari yekuchengetedza kana chero imwe yemari kana yechikwereti institution ichapa chero mhando yemari.

Izvo zvakakoshawo kuti uzive kuti rimwe rematambudziko makuru anowanikwa nevanhu vari kana vanga vari mune yakashata faira ane chekuita neicho mukweretesi ndiye anosungirwa kutaurirana zviri pamutemo kune veMari Kiredhiti Institutions, kudzima chikwereti.

Nehurombo uye nekusaita hanya, mashoma kwazvo vakweretesi vanoteerera chisungo ichi, saka pakupedzisira ndiye mukweretesi iyeye ndiye anomanikidzwa kuataura.

Mupfungwa iyi, chakakosha kuti munhu anoonekwa mukati runyorwa rwevanotadza, ndiye iye amene anokumbira kubviswa kwe data rake kuburikidza nemaneja. Uyu maneja achange achitarisira kuita zvese maitirwo anodikanwa pamberi peFinancial Credit Institutions, nechinangwa chekupedzisira kubvisa data remunhu uye hongu, kugona kuwana mari.

Izvo zvakakosha kuti izvi zviitwe kuburikidza nehunyanzvi maneja, sezvo akawanda mafaira anonyadzisa Vane "tsika" yakaipa yekuchengetedza data yevatengi vavo ku "zero balance" kana mune "yakabhadharwa" chinzvimbo. Izvi zvinorevei? Izvo zvinongova kuti mutengi anoenderera mberi achionekwa mune yefaira zvinyorwa pamwe nezita remunhu wekare mukweretesi.

Iyo inzira inotyisa yekuratidza kuti pane imwe nguva, munhu iyeye anga asiri solvent, yei kosi haisi pamutemo nekuti hazvibvumidzwe kuchengetedza ruzivo rwakashata mupfungwa yekuti rimwe zuva munhu anga aine chikwereti. Chero zvazvingaitika, hatifanire kurasikirwa neichi chokwadi chekuti dhata remunhu maererano ne solvency yemunhu haigone kuchengetwa kweanopfuura makore matanhatu.

Parizvino pane zvinhu zvakati wandei zvaunogona kuita kuti ubude muFinancial Credit Institutions kuitira kuti iwe ugoonekwa pane runyorwa rwevanotadza

• Bhadhara chikwereti chako. Zvinokurudzirwa kwazvo kuti chimwe chezvinhu zvekutanga zvaunoita kuti ubude mufaira reASNEF ndezvechokwadi kubhadhara chikwereti icho iwe chawakawedzerwa kune runyorwa rwevanotadza. Iyi ndiyo imwe yenzira dzinokurumidza kubvisa data rako kubva kuASNEF faira, pamusoro pekuti iwe unofanirwa zvakare kuzivisa kambani nezve chinangwa chako chekunyangarika kubva mufaira iri.

Ramba uchifunga kuti muchinyorwa 41.1 cheRoyal Decree 1720/2007, zvakasimbiswa kuti "kubhadhara kana kukanganisa kwechikwereti, kuchabvumidza kuona kudzimwa kwedata rese rine hukama naro nekukasira. Naizvozvo, iro sangano rinosungirwa kutanga kutaurirana nesangano kukumbira kuti iyo data yeasina kubhadhara izvozvi yakanyoreswa pari zvino ibviswe.

• Shandisa kodzero dzeARCO. Zvimwe zvinhu zvaunogona kuita kuti ubve pane runyorwa rwevanokanganisa ASNEF kuzvishandira wekodzero dzakataurwa muOrganic Mutemo 15/1999 pamusoro peKuchengetedzwa kweDunhu Dunhu, uko kodzero dzekuwana dzinozivikanwa, pamwe nekugadziriswa, kubviswa uye kupokana, uko kunogona kuwanikwa nevese vagari veSpanish.

Mune ino kesi, zvichave zvakafanira kuti iwe utore fomu rakadzimiswa rekudzimisa kubva kune yepamutemo webhusaiti yeSpanish Data Protection Agency kana, pazvinenge zvakakodzera, enderera kuzadza fomu uchishandisa PIN kodhi Panguva ino, zvakafanira kutsanangura chikonzero nei kodzero yekukanzura iri kukumbirwa, pamwe nekupokana kuti nei ichifungidzirwa kuti chikwereti hachisi chaicho, pasina kukanganwa kupa ruzivo rwese uye magwaro akakosha kutsigira zvataurwa.

• Mirira kuti rekodhi ibviswe. Muchiitiko chekuti zvese zviri pamusoro hazvina kuburitsa mhedzisiro, pakupedzisira chaunogona kuita kungomirira makore matanhatu kuti data redu ribviswe kubva kune rejista yekutadza.

Rangarira kuti ino inguva yekureba yemakore iwe yaunofanirwa chengetedza iyo data yemunhu asiri kubhadhara mufaira reASNEF. Nenzira iyi, mushure mekunge nguva iyoyo yapfuura, munhu anogona kutove nechokwadi chekuti zita ravo, pamwe neruzivo rwese rwakanangana nekusabhadharwa, rwabviswa kubva mufaira revanotadza. Nekudaro, hazvizove nemhedzisiro yakanangana kana uchikumbira chikwereti kune chero bhangi kana inzvimbo yemari.

Mibvunzo yakakosha nezve ASNEF

Kune vanhu avo parizvino vane chikwereti mukutadza uye vatove kana vakanyoreswa sevapanduki mufaira reASNEF, pasina mubvunzo pane akateedzana ezvinonetsa, kunyangwe kana chikwereti chatobviswa kare.

1. Ndinoziva sei kuti ini ndikaonekwa muASNEF yekufa registry?

Paunenge uine chikwereti nekambani uye iyo kambani inowedzera isu kune iyo rondedzero yevanotadza iyo ASNEF, usati waita saizvozvo unofanirwa kutumira chirevo chekuzivisa chinangwa chako chekuwedzera isu kune iyo runyorwa rweASNEF, mune yakajeka kesi isu isu kuvhara chikwereti chose. Uye zvakare, kambani ine basa rekutiudza nezve kuburitswa mukati memazuva makumi matatu. Izvi zvinofanirwa kuitwa nepositi tsamba.

2. Zvine mari here kuziva kana ndikaonekwa mumasangano eMari Kiredhiti?

Kubvunzana kwedata iri mufaira revane chikwereti neASNEF hakuna mutengo, yakasununguka zvachose uye inogona kuitwa chero nguva nguva zhinji sekuda. Kune izvi, zvinodikanwa kuti utore musangano, kungave kuburikidza neemail meseji, nepositi, kunyangwe nekutumira fax kana kungofona. Izvo zvinodawo kuratidza kuti ndizvo chaizvo zvatiri kukumbira isu.

3. Ndiani anogona kuona data rangu muFineral Credit Institutions?

Chaizvoizvo chero munhu anokumbira kupinda kune iyo faira yevanotadza vanogona kuona kuti isu tiri pane izvo zvinyorwa. Kune izvi, zvakadaro, iwe unofanirwa kuve nhengo yeASNEF uye ubhadhare mari yemwedzi. Kubhadhara uku kunokutendera iwe kukumbira kuti ASNEF mushandi aite tsvakiridzo mune irondedzero nechinangwa chekuona kana iyo data yemumwe munhu yawanikwa uye chikonzero chayo.

4. Mari yechikwereti inofanira kuwedzerwa zvakadii kuFinancial Credit Institutions?

Kunyangwe chiri chokwadi kuti hapana hushoma huwandu hwekuti munhu awedzerwe pane runyorwa rwevanotadza ASNEF, ichokwadi kuti pakave nezviitiko zvekuti munhu ane chikwereti che € 14 chete, akawedzerwa iwo mazita anotadza. Nekudaro, mumwe munhu asingavhare chikwereti chose kana kiredhiti, ichokwadi kuti vanozopedzisira vari pane urwu runyorwa.

5. Zvinokanganisa sei munhu kugara muFinancial Credit Institutions?

Kubva panguva yekutanga munhu paanoonekwa pane ASNEF's runyorwa rwevanotadza, zvinonyanya kuvaomera kuti vawane chero rudzi rwemari, kusanganisira zvikwereti, zvikwereti kana mamogeji, zvisinei kuti ihuru kwazvo kana chidiki kwazvo. Chikonzero cheichi chiri nyore, nekuti chinhu chekutanga chero bhengi kana rezvemari rinoita zvinonyatso bvunza iyo faira kutarisa solvency yeiye anenge achinyorera.

6. Nzira yekudzima sei ruzivo kubva kuASNEF faira?

Iyo chete, inokurumidza uye inoshanda kwazvo nzira yekubvisa iyo data yeakakanganisa muASNEF, ndeye kungobhadhara chikwereti chose. Izvo zvinofanirwa kunzwisiswa kuti kunyangwe iyo isiri-kubhadhara ichiramba ichishanda, ruzivo rwedu uye rwemari rucharamba ruchiwanika mufaira reASNEF.

7. Zvinotora nguva yakareba sei kudzima data rangu kubva kuMari Kiredhi Masangano?

Kamwe kusabhadhara kwagadziriswa, kambani ine chikwereti chakabvumidzwa, inosungirwa kubvisa ruzivo rwese uye data zvine chekuita nekusabhadharwa mune runyorwa rwevanotadza veASNEF musi iwoyo mumwe. Nekuda kwemaitiro anofanirwa kuitwa, zvinokwanisika kuti izvi hazviitwe pazuva rimwe chete, asi zvine chokwadi mushure memwedzi munhu wacho haachafanirwe kuonekwa mune ino runyorwa.

8. Ndicharamba ndichioneka mune mamwe mafaera akasindimara?

Chaizvoizvo izvi zvinoenderana nenhamba yemafaira iwe yawakakweretesa iwe, kunyangwe inonyanya kuzivikanwa ndeyekuti munhu chete ndiye anonyoreswa mune imwechete faira yevanotadza. Nekudaro, kana iko kusabhadhara kwagadziriswa, kambani ine chikwereti chakabvumidzwa, ine basa rekubvisa chero zvinyorwa zvemunhu iyeye mufaira.

9. Ini ndinoramba ndichionekwa muFederal Credit Institutions, asi ini ndatobhadhara chikwereti changu, nei?

Dzimwe nguva zvinoitika kuti kunyangwe kubhadhara chikwereti, data remunhu rinoramba richioneka mufaira, kunyanya nekuti mutemo unobvumidza ruzivo rwakadai kuchengetwa kusvika kumakore matanhatu. Nhau dzakanaka ndedzekuti izvi hazviwanzo kuitika sezvingangodaro chete nhoroondo inoponeswa.