Kuzo zonke izintlu ebezikho kwaye bezikho, uluhlu lwabasilelayo lolunye ekungekho mntu unokufuna ukuba kulo. Nangona kunjalo, naliphi na ityala elingekahlawulwa, nokuba kungumnxeba, umbane, amanzi, uluntu lwabamelwane, njl. inokwenza ukuba uphele kuyo. Kodwa, Ndazi njani ukuba ndikuluhlu lwabaphangi? Ngomnye wemibuzo eqhelekileyo ebuzwa ngabantu abaninzi.
Uluhlu lwabangathobeli, okanye i-Asnef, njengoko isaziwa njalo, inoluhlu lwabo bonke abantu abathe basilela ekubophelelekeni kwabo ngentlawulo, ngendlela yokuba igama labo liza kuvela kubo kwaye bayabasesidlangalaleni, nto leyo ethetha ukuba nabani na ungajonga ukuba akukho mntu ukuyo. Kodwa yintoni enye oyaziyo?
Luthini uluhlu lwabangasileli
La Uluhlu lwabangahlawulisi luyindawo yogcino lwedatha apho abantu abanembopheleleko yokuhlawula esele babonakalisiwe kunye nenkampani ethile. Umzekelo, kuba amanzi, umbane, imali mboleko ebhankini, i-Intanethi khange ihlawulwe ...
Uluhlu lolu luhlu kukunika nabani na uluhlu lwabo "bangathembekanga" ngentlawulo, oko kukuthi, abahlawuli mali bayityalayo. Oku kunceda ukwenza ngokusemthethweni ukunikezelwa kweekhredithi okanye ukuqala ubudlelwane kunye nalo mntu (kuba ngamanye amaxesha bafuna iimeko ezingaphezulu zokuqinisekisa ukuba intlawulo ikuluhlu).
La Uluhlu lwabasileleyo lwenziwe ngaphezulu kwesigidi seSpanish, kwaye oku kuthanda ukwanda. Abanye bayaphuma, ngelixa abanye bengena. Into ekufuneka uyazi kukuba, ngaphandle kokuba olona luhlu lwaziwayo lwabangahlawuli kakuhle yi-ASNEF, oko kukuthi, uMbutho weSizwe wamaZiko eMboleko ngeMali, enyanisweni kukho iinkampani ezili-130 ezilungiselela olu luhlu luluhlu olubonakalisiweyo Inani labantu elinokungagqibeki.
Ezinye zezona zaziwa kakhulu zezi:
- I-EQUIFAX: kumazwe aphesheya.
- I-RAI: yiRegistry yoKwamkelwa okungahlawulwanga.
- I-CIRBE: yirekhodi yayo yonke imali-mboleko eyenziwe ngamaziko emali kwaye, ke ngoko, yenza ukuba umntu ofumana iimali mboleko abe netyala kuloo mali.
Ungazi njani ukuba ndikuluhlu olubi
Ndazi njani ukuba ndikuluhlu lweenkohliso? Nangona abantu abaninzi bengenalo nofifi lokuba benze ntoni ukufumanisa, inyani kukuba ukwazi olu lwazi kulula kakhulu. Ngokukodwa kuba sithetha ngerekhodi yoluntu, oko kukuthi, nabani na onokuyibona.
Ukwenza oku, Kwanele ukuba nenombolo yakho ye-DNI okanye yeNIF, kunye nedilesi yakho yeposi, ukuze wazi ukuba ukuluhlu olo.
Ungayenza phi? Ewe, enkosi kwi-Intanethi, ungandwendwela amaphepha ewebhu eenkampani ezenza uluhlu lwabangagqibekanga ukuba babonane noovimba beenkcukacha zabo kwaye, ngenxa yoko, ufumanise ukuba ukhona okanye awukho.
Ngoku, i-Intanethi ayisiyiyo kuphela kwendlela yokwazi ukuba ndikuluhlu olubi. Iinkampani ezininzi zinenombolo yomnxeba onokuyitsalela umnxeba okanye iiofisi ezibonakalayo ukuze ziqale inkqubo kwaye zifumanise ukuba ukhona okanye awukho.
Ngokuqhelekileyo Inkqubo ilandela la manyathelo alandelayo:
- Ifom yesicelo igcwalisiwe. Oku kuhlala kufuna iinkcukacha zakho kwaye, kwezinye iimeko, kunye nolwazi oluthile malunga netyala elingekahlawulwa.
- Kwiintsuku ezili-10, ezi datha kuyaboniswana ngazo kwaye impendulo ifunyenwe kuluhlu ukwazi ukuba ukuyo okanye akunjalo. Kwimeko apho ukhona, banokukunika iinkcukacha ezithe kratya malunga nayo, njengamatyala onawo, nabani, isixa semali, njl.
Ungenza ntoni ukuba ndingu
Ukhe wothuka kwaye ngaba ukuluhlu lwabatyholwa? Into yokuqala ekufuneka uyenzile ukuzola. Ayisiyiyo isiphelo sehlabathi kwaye ayifanelanga ukuba ngumntu ombi kuyo. Amaxesha amaninzi, iimeko zobomi zisenza ukuba sityala imali kwinkampani.
Kulungile ukuba Qokelela amatyala angekahlawulwa ukuze ubone ukuba lingakanani inani elipheleleyo letyala kwaye unabani.
Ngokubanzi, uluhlu lwabasilelayo lubandakanya abantu abanesixamali esincinci ekufuneka besityalile seeyuro ezingama-50 (Oko kukuthi, ungasifaka kancinci kakhulu). Kodwa kufuneka kuhlangatyezwane neemfuno ezithile (esekwe kwi-Organic Law 15/1999 yoKhuseleko lweDatha yobuNtu), eyi:
- Ezinyanga zine zidlulile ukusilela.
- Ukuba ukufakwa kwegama lakho kuluhlu lwabasilelayo kwazisiwe (kwinyanga enye kwangaphambili). Ukuba oku akwenzeki, umntu lowo angenza ibango lokuhamba kwangoko.
Kule nyanga kwangaphambili, umntu angafaka ibango, okanye enze intlawulo, eya kuyenza ingasekho kuluhlu. Kwakhona, elona xesha liphezulu umntu aluluhlu lwenkohliso yiminyaka emihlanu kuphela. Emva kwelo xesha, idatha yamatyala ayinakudluliselwa. Ngaba oko kuthetha ukuba ityala lixolelwe? Hayi, kodwa igama alizukuvela kuluhlu.
Uluhla njani kuluhlu olubi
Kucacile ukuba isisombululo sokungabonakali kuluhlu lwabangaphumeleliyo Hlawula oko unetyala. Kodwa unokufumana isimanga kwaye yiyo loo nto, nokuba uyahlawula, uqhubeka nokubonisa. Kungenxa yokuba ababolekisi, oko kukuthi, iinkampani ontyala imali kuzo, azizukukhathalela ukuhlaziya idatha kuluhlu, kwaye oko kuthetha ukuba usenokuba ulihlawule ityala lakho, kwaye uqhubeke ukuvela kolu luhlu .
Kule meko, wakuba uhlawule, sicebisa ukuba uhle usebenze buza udweliso apho ubonakala ngathi uyakucima.
Ukwenza oku, kuya kufuneka uyicele ngokusesikweni, uncamathisele uxwebhu oluqinisekisa ukuhlawulwa kwetyala elo, ngendlela yokuba licinywe kwindawo yogcino lwedatha. Impendulo yenkampani yobhaliso akufuneki ithathe ngaphezulu kweentsuku ezili-10, apho ilungelo lakho lokufikelela, ukurhoxiswa, inkcaso kunye / okanye ukulungiswa kufuneka kunyanzeliswe. Kwimeko engentle (umzekelo kuba abakuhoyi, okanye abafuni kukususa) ungafaka ibango kwiArhente yoKhuseleko lweDatha yaseSpain (i-AEPD) yokuncamathisela amaxwebhu endlela ocele ukurhoxiswa ngayo, into oyenzileyo, nempendulo abakunike yona.
Ngaba yakha yenzeka kuwe? Wazi njani ukuba ukuluhlu lwabaphuli mthetho?