Pane ese rondedzero dzave uye dzave kuvepo, rondedzero yevanotadza ndeimwe iyo pasina munhu angade kuvepo. Nekudaro, chero chikwereti chakasarudzika, ingave nhare, magetsi, mvura, nharaunda yevavakidzani, nezvimwe. zvinogona kukuita kuti upedze mairi. Asi, Ndingaite sei kuti ndizive kana ndiri pane vekunze runyorwa? Ndiwo mumwe wemibvunzo inowanzo bvunzwa nevanhu vazhinji.
Rondedzero yevanotadza kubhadhara, kana Asnef, sekuzivikanwa kwayo, ine runyorwa rwevanhu vese vakatadza kubhadhara muripo, nenzira yekuti zita ravo rionekwe pavari uye ivo vari kuruzhinji, zvinoreva kuti chero ani unogona kuvatarisa kuti uone kana paine munhu arimo. Asi chii chimwe chaunoziva iwe?
Ndeupi runyorwa rwevanotadza
La rondedzero yevanotadza iri chaizvo dhatabhesi panoratidzwa vanhu vane mubhadharo wakamirira kubhadhara neimwe kambani. Semuenzaniso, nekuti mvura, magetsi, chikwereti chebhangi, iyo Internet haisati yabhadharwa ...
Chinangwa chechinyorwa ndechekupa chero munhu runyorwa rweavo vasina "kuvimbika" nemubhadharo, ndiko kuti, ivo havabhadhari izvo zvavanokwereta. Izvi zvinobatsira kugadzirisa kupihwa kwemakiredhiti kana kutanga hukama nemunhu uyu (nekuti dzimwe nguva zvinoda mamwe mamiriro ekuti ubhadhare kuve uri pane urwu runyorwa).
La runyorwa rwevanokanganisa runoumbwa nevanopfuura mamirioni mana maSpanish, uye izvi zvinowedzera kuwedzera. Vamwe vanobuda, vamwewo vachipinda. Izvo iwe zvaunofanirwa kuziva ndezvekuti, kunyangwe hazvo iyo inonyanya kuzivikanwa runyorwa rwevanotadza ndeye ASNEF, ndiko kuti, National Association of Financial Credit Establishments, muchokwadi kune makambani zana nemakumi matatu anogadzirira iyi mhando yezvinyorwa mariri zvinoratidzwa huwandu hwevanhu hwakatadza.
Vamwe vevanonyanya kuzivikanwa ndeaya:
- EQUIFAX: pasirese.
- RAI: ndiyo Registry Yevasina Kubhadhara Kugamuchirwa.
- CIRBE: icho chinyorwa chezvose zvikwereti zvakawanikwa nemasangano ezvemari uye izvo, nekudaro, zvinoita kuti munhu anogamuchira zvikwereti ave nechikwereti chemari iyoyo.
Maitiro ekuziva kana ndiri pane yakashata runyorwa
Ndingaite sei kuti ndizive kana ndiri pane vekunze runyorwa? Kunyangwe vanhu vazhinji vasina zano rekuita kuti vazive, chokwadi ndechekuti kuziva ruzivo urwu kuri nyore kwazvo. Kunyanya sezvo isu tiri kutaura nezve ruzhinji rekodhi, ndiko kuti, chero munhu anogona kuzviona.
Kuti uite izvi, zvakaringana kuve neyako DNI kana yeNIF nhamba, pamwe neako kero yepositi, saka iwe unogona kuziva kana iwe uri pane chero ezvinyorwa izvi.
Uye iwe unogona kuzviita kupi? Zvakanaka, nekuda kweInternet, unogona kushanyira iwo mapeji ewebhu emakambani anoita zvinyorwa zvevanotadza kutarisa kumatabhesi avo uye, nekudaro, uone kana uripo kana kwete.
Zvino, iyo Internet haisi chete nzira chete yekuziva kana ndiri pane yakashata runyorwa. Zvakare, makambani mazhinji ane nhamba yerunhare yaunogona kufonera kana mahofisi epanyama kwaunogona kuenda kuti utange maitiro uye kuti uzive kana uriko kana kwete.
Kazhinji maitiro acho anotevera anotevera matanho:
- Fomu rekunyorera rakazadzwa. Izvi zvinowanzoda ruzivo rwako pachako uye, mune dzimwe nguva, zvakare rumwe ruzivo nezve chikwereti chisati chabhadharwa.
- Mukati memazuva gumi, idzi data dzinobvunzwa uye mhinduro inogamuchirwa kubva pane yakanyorwa kuti uzive kana iwe uripo kana kuti kwete. Kana iwe uri, ivo vanogona kukupa iwe yakawanda ruzivo nezvazvo, senge izvo zvikwereti zvaunazvo, naani, iyo huwandu, nezvimwe.
Zvokuita kana ndiri
Wakatoshamiswa uye uri pane runyorwa rwevanotadza? Chinhu chekutanga kuita kudzikama. Haisi kuguma kwenyika uye haifanire kunge uri munhu akaipa nezvayo. Nguva zhinji, mamiriro ehupenyu anoita kuti titore chikwereti chemari kukambani.
Zviri nyore kuti Nyora zvikwereti zvakasara kuitira kuti uone kuti imarii chikwereti chakazara uye wauinacho naye.
Kazhinji, rondedzero yevanotadza inosanganisira vanhu vane hushoma huwandu chikwereti chemakumi mashanu emaeuro (ndokuti, unogona kutopinza izvo zvishoma kwazvo). Asi zvimwe zvinodiwa zvinofanirwa kuzadzikiswa (zvakagadzwa muOrganic Mutemo 50/15 paKudzivirirwa kweDunhu Dhata), ayo ari:
- Mwedzi mina iyoyo yakapfuura kubva pakushaikwa.
- Kuti kuiswa kwezita rako mune runyorwa rwevanotadza kwakaziviswa (mwedzi mumwe pamberi). Kana izvi zvikasaitika, munhu wacho anogona kukumbira kuenda nekukasira.
Mumwedzi uno pamberi, munhu anogona kutora, kana kubhadhara, izvo zvingaite kuti zvisazowanikwazve pachinyorwa. Zvakare, iyo yakanyanya nguva iyo munhu ari pane yakasarudzika runyorwa ingori makore mashanu chete. Mushure menguva iyoyo, iyo data pazvikwereti haichakwanise kuendeswa. Izvi zvinoreva here kuti chikwereti chakaregererwa? Kwete, asi zita racho harizoonekwa mune zvakanyorwa.
Maitiro ekubva pane yakasarudzika runyorwa
Zviripachena kuti mhinduro yekusaonekwa pane runyorwa rwevanotadza iri bhadhara chikwereti. Asi iwe unogona kuwana kushamisika uye izvo ndezvekuti, kunyangwe iwe uchibhadhara, iwe unoramba uchiratidza. Izvi zvinodaro nekuti vakweretesi, ndiko kuti, makambani awakakwereta mari, haasi kuzotarisira kugadzirisa iyo data pane zvinyorwa, uye izvi zvinoreva kuti unogona kunge wakabhadhara chikwereti chako, uye uchiramba uchionekwa pane aya mazita .
Mune ino kesi, kana iwe uchinge wabhadhara, tinokurudzira kuti iwe udzike pasi kuzoshanda Bvunza izvo zvinyorwa paunoratidzika kunge zvinokubvisa.
Kuti uite izvi, iwe unofanirwa kuikumbira zviri pamutemo, uchibatanidza gwaro rinoratidza kubhadharwa kwechikwereti icho, nenzira yekuti ibviswe mudura rako. Mhinduro yekambani yekunyoresa haifanire kutora anopfuura mazuva gumi, kwaunofanirwa kuita yako kodzero yekuwana, kudzima, kupikisa uye / kana kugadzirisa zvinoshanda. Mune yakashata kesi (semuenzaniso nekuti ivo vanokuregeredza, kana havadi kukubvisa) unogona kufaira chikumbiro neSpanish Data Protection Agency (AEPD) uchibatanidza magwaro ekukumbira kubviswa, izvo zvawakapa, nemhinduro yavakakupa.
Zvakamboitika kwauri here? Unoziva sei kuti iwe uri pane yakasarudzika runyorwa?