Zvemari Kiredhiti Masangano ndiwo mazita e Sangano reNational Association of Financial Credit Institutions.
Iri sangano rinozivikanwawo se "Chinyorwa chevanotadza", uye kuve pane ASNEF runyorwa kunogona kuve chimwe chezvinhu zvinokuvadza zvakanyanya zvinogona kuitika kwatiri mune zvehupfumi.
Inodaidzwa "Chinyorwa chevanotadza" Nekuti runyorwa urwu runosanganisira vanhu vasingabhadhare zvikwereti zvavo, nekudaro vachiva "vakasindimara," uye hapana munhu anoda kuve pane urwu runyorwa.
Chii chinonzi ASNEF EQUIFAX?
Icho hachisi chinhu kunze kwerudzi rwefaira mune iyo hombe nhamba ye zvemari masangano zvishoma nezvishoma ivo vari kuwedzera avo vatengi vasingabhadhari zvikwereti zvavo uye avo, saka, vanove "vanodadira".
Muchiitiko chekusabhadhara zvikwereti, kana mune yekusarega kubhadhara chikwereti kana chimwe chinhu chakafanana, ungangopedzisira wave mumafaira aya, uye izvo zvinogona kutungamira kumatambudziko akati wandei. Haisi faira rinoshandiswa neimwe kambani, asi vanoishandisa yese panguva imwe chete, saka kana uine chikwereti neBBVA, Santander semuenzaniso uye mamwe mabhanga achazvizivawo.
Iyi faira ndeimwe yeanonyanya kuzivikanwa uye anonyanya kushandiswa erudzi rwayo (kunyangwe isiri iyo yega), uye zvakare iri rakakura, iine avhareji yekukura kwevanhu mazana maviri ezviuru pamwedzi. Vanhu vazhinji, pasina kupokana!
Izvo zvinokanganisa chete masangano emari?
Kune rimwe divi, zvinonakidza kucherechedza kuti kwete chete masangano emari inhengo dzeASNEF (kunyangwe izvi zvine huremu hunopfuura hunokosha muzvizere), asi zvakare zvinosanganisira makambani enhare, gasi, magetsi nemakambani emagetsi, makambani einishuwarenzi, dzimba dzekutsikisa, hutongi hweveruzhinji, zvichingodaro.
Saka hapana anoponeswa, zvakakosha kuti ubhadhare zvikwereti zvako munzvimbo ipi neipi yaunoda basa chero ripi zvaro, zvisinei nekuti zvakakosha sei kwauri kana kune chero munhu.
Recuerda, que Chero ani zvake anogona kuisa runyorwa rwevanotadza ...
Ndinoziva sei kana ini ndiri pane ASNEF rondedzero?
Muzhinji, iwe unofanirwa kuzviona semunhu akashata kana tangove kutadza kubhadhara pazvikamu zvitatu zvakateedzana kubhadhara zvikwereti zvakapfuura. Iyi mwedzi mitatu inguva iyo makambani mazhinji anopa kune vatengi kuti vabhadhare mari yavo mune yekunonoka.
Mushure memwedzi mitatu iyoyo, makambani mazhinji anokuisa pane avo vakasarudzika, uye kana iwe ukaramba uchiregeredza uye usingaite maererano nemabhadharo aunokwereta, ivo vanokuwedzera iwe ku ASNEF zvinyorwa, iyo yavanogovana nemamwe makambani.
Saka hapana munhu anoponeswa kubva kune chero chinhu, kana iwe ukapa nhoroondo ye asiri kubhadhara nekambani, ipapo makambani ese anozoziva nezve izvi uye unenge usina imwe sarudzo kunze kwekubhadhara zvese zvaunokwereta.
Ini ndinowoneka pane ASNEF runyorwa uye ini handina kukanganisa pane chero kubhadhara, chii chandinoita?
Sezvo chero nemhando ipi neipi yesystem, dzimwe nguva kune zviputi uye zvikanganiso mune zvinyorwa, uye ndiani anofanirwa kuoneka mune rondedzero haaratidzike uye ndiani asingafanire kuoneka anoonekwa. Chinhu chekutanga chaungaite kugadzirisa idzi mhando dzematambudziko kuenda kune yako chivimbo chebhangi chakavimbika uye bvunza pasina kusungirwa. Mupi wezano wako anofanirwa kukwanisa kukupa iwe ruzivo irworwo mushe uye zvachose mahara.
Muchiitiko chekuti bhangi ikasakupa ruzivo urwu, unogona kuenda kune imwe nzvimbo yemari uye woratidza chinangwa cheku shandisa chikwereti (zviripachena, pasina kuzvipedza). Munguva yekuita izvi, bhangi rinodzidza yako solvency, uye izvo zvinosanganisira kutarisa kana iwe uri mu ASNEF zvinyorwa. Kana iwe uri, ivo vachakuzivisa iwe nekukasira.
Zvino, kana sarudzo iyi ikasashanda kwauri, unogona kugara uchiita mubvunzo kuburikidza neinternet; iyo ASNEF EQUIFAX inodzorwa neEQUIFAX IBÉRICA uye iwe unogona kupinda mukubata kuburikidza sac@equifax.es.
Iwe unogona zvakare kuzviita kubva kune iyo EQUIFAX webhusaiti, http://equifax.es. Muzviitiko zvese izvi, iwe uchafanirwa kutumira kopi yeID yako kuti uzvizivise iwe kune vanhu vanopinda iwe.
Chii chekuita kana ini ndiri muFineral Credit Institutions?
Chinhu chekutanga iwe chaunofanira kuziva kana iwe uri mu ASNEF yepamutemo rondedzero yevanotadza, ndeyekuti kambani inokuzivisa iwe kwazviri (ndiko kuti, kambani yauri kusabhadhara zvikwereti kana zvikwereti) inofanira kukuzivisa iwe mazuva makumi matatu isati yakuwedzera iwe kune iyo runyorwa. Kana iwe uri muASNEF uye ivo vasina kukuzivisa iwe, unogona kufunga nezve sarudzo yekuvamhan'arira.
Chimwe chinhu chekufunga nezvacho ndechekuti makambani mazhinji anosanganisira vatengi vane zvikwereti zvisiri izvo, pachokwadi, pane ASNEF runyorwa. Ivo kazhinji makambani efoni kana emagetsi vanoita mhosva dzisingaenderane nemari chaidzo dzemutengi Aya anowanzo kuve matambudziko akasarudzika uye anofanirwa kugadziriswa nekambani pachayo.
Pakutanga, mune idzi kesi haufanire kutomboonekwa mu ASNEF runyorwa, asi kana zvirizvo uye zvakafanira, zviri nyore kutaura nekambani kuti isatakura chikwereti icho chisina kukodzera.
Kune rimwe divi, mune chiitiko chekuti, zvechokwadi, iwe une zvikonzero zvekuve mune ZveMari Kiredhiti Institutions, ndiko kuti, hauna kubhadhara zvimwe zvikwereti kana zvikwereti zvemari, unogona kukumbira kuti data rako ribviswe uye nekudaro hapana humbowo kuti iwe pakupedzisira. Kuti uite izvi, unofanirwa sangana nezvinodiwa zvinotevera:
- Chikwereti chakatobhadharwa uye kunyangwe zvakadaro, iwe unoramba uchionekwa semunhu ane chikwereti.
- Chikwereti chakanzi chakura kupfuura makore matanhatu.
- Iko kuiswa kwezita rako kuFineral Credit Institutions hakuna kuziviswa netsamba.
- Mari yakataurwa haisi yechokwadi kana haina kugutsikana.
- Chikwereti chakataurwa hachiratidzike nekambani.
- Chikwereti hachisi chako kana chitupa chako chakateedzerwa.
Mune zviitiko izvi, ivo vanofanirwa kukubvisa iwe kubva kuASNEF runyorwa, kana runyorwa rwevanotadza. Kana iwe ukaonekwa uye uchibhadhara chikwereti chako, chinhu chakajairika ndechekuti, ipapo, vanokubvisa kubva pane zvakanyorwa. Muchiitiko chekuti izvi hazvisizvo, saka mamiriro akataurwa mukohora yekutanga angave achiitika.
/ Nzira yekubvisa sei zita rangu kubva kuASNEF runyorwa?
Kana iwe ukazviwana iwe uri pane yakashata runyorwa saka iwe unofanirwa kunzwisisa kuti kubuda hakusi nyore, asi izvo hazvireve kuti hazvigoneke.
Mamiriyoni maviri nehafu veSpanish havabhadhare zvikwereti zvavo, zvinoreva kuti avo mamirioni maviri nehafu vanhu vanonzwisisa kuti chii chiri pamazita e ASNEF EQUIFA, kana iro regfaulter registry, iro dema runyorwa iro hapana munhu anoda kuve aripo.
Kuti ubve pane iyi runyorwa danho rekutanga kubhadhara. Nekudaro, izvi hazvizokwani, nekuti zvinotevera kukumbira kuti ubviswe kubva paASNEF runyorwa, asi iyo faira haizoiti izvozvo kudzamara kambani ine chikwereti yaziva kubhadhara. Usatarisira kushanda kumwe chete kunoda mubhadharo sekuzvibvisa pachedu kubva pane nhema runyorwa, nekuti kunyangwe ichimanikidza, zvakakosha kuti utarise kuti zvinogona kutora kusvika pamakore matanhatu, unova iwo muganho wepamutemo.
Uye kuti kana chikwereti chavanacho chiri chega, sezvazviri nekutonga, mhinduro ichave iri nyore. Ivo vanozvitora kubva kune yavo yega yekutarisa account uye kupera kwenyaya.
Ichokwadi chekuti iwe unoonekwa pane rondedzero isingasimbise kugona kwako kubhadhara nenguva inogona kukanganisa zvakawanda mukati meyemunhu chikamu chemari, saka zvakakosha kuti uzive zvekuita kana tapinda mune runyorwa runyoro.
Mhedziso
Muchidimbu, iyo Sangano reNational Association of Financial Credit Establishments, iyo ASNEF kana "runyorwa rwevanotadza"Chero zvaunoda kuidaidza, irondedzero umo makambani ese achafanirwa kupa sevhisi nemubhadharo mune ramangwana nemutengi anotora chikamu kuti vazive kana vachizokwanisa kana kwete kubhadhara, uye kana ivo tatova nenyaya kumashure kwekutadza.
Pamwe sarudzo inoshanda kwazvo yekuziva kana iwe uri mu ASNEF zvinyorwa, kana kubata nedambudziko mune izvi (kuti iwe uonekwe pazvinyorwa kunyangwe iwe usati wakanganisa kubhadharwa chero kupi, semuenzaniso), kushanyira webhusaiti uye kuonana navo kuburikidza neemail yavo. Kunyangwe vanhu vazhinji vaine matambudziko newebhu uye vachisarudza kushandisa imwe mhando yesarudzo kugadzirisa aya matambudziko anogona kungoshanda asi zvishoma zvishoma, zviri kumunhu wese kana vachida kubata nedzimwe nzira.
Rangarira kuti muhupenyu huno hapana chakasununguka; Kana iwe usiri kuda kupindira mumatambudziko ezvemari kana chero chinhu chakadai, saka unofanira kungo tevedzera mutemo wemutambo. Bhadhara zvikwereti zvako, kana iwe ukakumbira chikwereti wochidzorera mukati menguva yenguva yavakaratidzira uye nekudaro hauzopinde mune chero dambudziko. Chengetedza hutano hwako hwemari!