I-Asnef Yifayile yabangaphumeleli eyasekwa ngo-1957 kwaye ngoku ilawulwa ngu I-EQUIFAX IBERICA SL Iqwalaselwa njengeyona nto ibaluleke kakhulu kunye neyona fayile isetyenzisiweyo yabangasasebenziyo ekhoyo namhlanje.

Nguwuphi uMbutho weSizwe weZiseko zeMali zeMali?

I-Asnef ithetha "uMbutho weSizwe weZiseko zeMali zeMboleko-mali", nangona ngaxa lithile yayisaziwa njenge "UMbutho weSizwe wamaZiko ezeziMali".

Ngokusisiseko yi Umbutho wezoshishino apho zonke iintlobo zamacandelo zihlanganisene, ukusuka kumashishini emali, iinkampani zonikezelo, iinkampani zefowuni, ezolawulo lwaseburhulumenteni, kunye nabapapashi, iinkampani zeinshurensi, phakathi kwezinye ezibekwa njengamanani ezemali.

Banjalo ke amaziko emboleko egxile ekunikezelweni kwemali mboleko kwaye, ngokubanzi, inesakhono sokwenza uluhlu olubanzi lwemisebenzi yeasethi yezemali, nangona kunjalo abanalo igunya lokuqokelela idiphozithi eluntwini.

Iindawo ezikhoyo edibene no-Asnef, Ngokubanzi bajolise ekunikezeleni ngetyala lomthengi, nangona kunjalo kuqhelekile ukuba baphinde benze ezinye iintlobo zemisebenzi enje ngeziqinisekiso kunye nokuxhasa, ukufaka iifayili, ukuqeshisa ngemali, kunye nokukhupha nokulawula amakhadi etyala.

Usebenza njani lo Mbutho?

Njengoko sele kukhankanyiwe, i-Asnef yasekwa ngo-1957 kwaye ukusukela ngoko yaziwa ikakhulu ngokurejista kwabo abadumileyo, eyona yona inkulu ikhoyo eSpain kwaye yaziwa ngokulula njengeFayile ye-Asnef.

Este ifayile yabangasileli Inolwazi olunxulumene nabo bonke abantu abanamatyala ngokungagqibeki kwelinye lamaziko edibene no-Asnef.

Oko kwenziwa ngala maziko kukubonelela ngoku ulwazi olungagqibekanga lwabathengi kumbutho, ngenjongo yokuba ngaphambi kokunikezela ngetyala okanye imali mboleko, amaziko anxulumeneyo anokuqinisekisa ngokulula ukuba umthengi onokubakho akabonakali ebhalisiwe njengolwaphulo-mthetho kule fayile.

Okwangoku, phantse akukho nanye amaziko ezemali ezo ziqokelelwe kwi-Asnef, inika naluphi na uhlobo lwetyala kubantu ababonakala kwifayile kuyo nayiphi na imeko. Kubalulekile ukukhankanya ukuba ifayile ye-Asnef ilawulwa ngenqaku lama-29 loMthetho we-Organic 15/1999 ka-Disemba 13, kwicandelo Ukukhuselwa kwedatha yobuqu.

Ngenxa yoko, yifayile ethathelwa ingqalelo njenge ulwazi lolwazi lwefayile ekuzalisekiseni okanye ekungazalisekiseni uxanduva lwemali kwaye apho abo bayibonelelayo, ebandakanyiweyo kule fayile, bengababolekisi.

I-Asnef ikwathobela le mimiselo, ukongeza ekubeni neNkonzo yaBantu abaThathela ingqalelo, apho kunikwa ingqwalaselo ngokukodwa kwizicelo zabathengi kwaye ngakumbi, injongo yayo kukwenza onke amalungelo amkelwe emthethweni.

Yintoni i-EQUIFAX?

I-EQUIFX yiarhente yokunika ingxelo ngetyala yabathengi, esekwe kwisixeko saseAtlanta, eUnited States, inkampani yakhe eSpain, iEQUIFAX Ibérica SL, inoxanduva lokulawula ifayile yoburharha.

Indima yale arhente kukuqokelela kunye nokudibanisa ulwazi malunga nabathengi kunye namashishini.

Ukongeza ekunikezeleni idatha yekhredithi kunye neenkonzo Ukujongana nenani labantu kwishishini, i-EQUIFAX ikwathengisa iinkonzo zokujonga ngetyala kunye neenkonzo zokuthintela ubuqhetseba ngqo kubathengi.

Iimfuneko zokubhaliswa kwi-Asnef

Ngenxa ye iimpawu yokusebenza kwayo kunye nendlela ezenziwa ngayo, uAsnef ugwetywe amatyeli amaninzi ngokwaphula ilungelo lokuHlonipha. Oku kubazisele iingxaki ezininzi, ikakhulu ngenxa yokuba isenzo sabo sichasene noko kumiselwe kwi-Organic Law 15/1999.

Khumbula ukuba oku Umthetho woKhuseleko lweDatha, uxhobisa abanamatyala ukuba bajonge ukuba babhalisile e-Asnef njengabaphuli-mthetho. Kukho iimeko apho umbutho unabantu bakhona abangazifezekisi iimfuno ezifunekayo ukuze zibandakanywe.

Oko kukuthi, ukuze umntu abhaliswe njengongendawo ifayile ye-Asnef Kufuneka kubekho ityala elinokunyanzeliswa elineminyaka emi-6 ubuninzi, ukongeza, lathi ityala bekufanele ukuba licelwe ngaphambili ngumntu obolekayo kwaye xa oku kwenziwe, onetyala kufuneka aziswe ngumbutho ngokwawo, osele ubandakanyiwe ifayile.

Ndiyabulela koku, ngoku kukho iimeko ezininzi apho amangalele uAsnef Kwaye uninzi lwezi zigwebo ziye zakhokelela ekugwetyweni kulo mbutho.

Athini amalungelo abo bachaphazelekayo?

Imigaqo elawula ukhuseleko lwedatha iyabamkela abo bachaphazelekayo ngamalungelo ekufuneka benyanzeliswe ngabo banoxanduva lwefayile.

Amalungelo abo bachaphazelekayo abandakanya:

• Ilungelo lokufikelela. Bonke abantu abachaphazelekayo banelungelo lokucela kwaye bafumane ulwazi olunxulumene neenkcukacha zabo ezibandakanyiweyo kwifayile ye-Asnef ngendlela ezenzekelayo.
• Ilungelo lokulungiswa kunye nokucinywa. Kule meko, lilungelo umntu ochaphazelekayo anokucela ukuba lonke ulwazi oluvela kwifayile lulungiswe okanye lurhoxiswe kwaye aluchanekanga, aluphelelanga okanye lugqithisile.

Kufanelekile ukuba sikhankanye ukuba onke amalungelo abo bachaphazelekayo uphawu lomntu kwaye ke banokusetyenziswa kuphela ngumntu ochaphazelekayo, eqinisekisa ubungqina babo.

Oyena mntu unokuthatha indawo yakho ngummeli wakho osemthethweni, kodwa kuphela xa ukhubazekile okanye ungaphantsi kobudala, oku kuthintela ukuba ulisebenzise ngokwakho ilungelo lakho. Ukuba kunjalo, ummeli wezomthetho kufuneka aqinisekise ukuba loo miqathango.

Kubantu abavela ngaphakathi ifayile ye-Asnef, ngokusisiseko kuthetha ukuba abanamathuba amaninzi okufumana imali-mboleko, nokuba banendlela yokuyihlawula.

Ulwazi oluvela kule fayile luthethwa imihla ngemihla ziibhanki kunye namanye amaziko ezezimali ukuqinisekisa ukuba ababoneleli ngemali kumntu ochazwe njengongenabubi.