I-Asnef Yifayela labakhokha iphutha elenziwe ngo-1957 futhi okwamanje liphethwe ngu I-EQUIFAX IBERICA SL Ithathwa njengefayela elibaluleke kunazo zonke futhi elisetshenziswa kakhulu labahluleka ukwenza okukhona namuhla.

Yini iNhlangano Kazwelonke Yezikhungo Zezezimali Eziyisisekelo?

I-Asnef isho ukuthi "Inhlangano Kazwelonke Yezikhungo Zezezimali Eziyisisekelo", yize ngesinye isikhathi kwakwaziwa futhi njenge "Inhlangano Kazwelonke Yezinhlangano Ezixhasa Ngezimali".

Ngokuyisisekelo yi- Inhlangano yebhizinisi lapho zonke izinhlobo zamabhizinisi zihlelwe khona, kusuka kuzinhlangano zezezimali, izinkampani ezihlinzeka ngezinkampani, izinkampani zocingo, ukuphathwa komphakathi, kanye nabashicileli, izinkampani zomshuwalense, phakathi kwezinye ezihlukaniswa njengezikhungo zezikweletu zezezimali.

Ngakho-ke kunjalo izikhungo zezikweletu esebenza ngokukhethekile ekunikezeni imali mboleko nokuthi, ngokujwayelekile, inamandla okwenza imisebenzi ehlukahlukene yezezimali, kepha ayinalo igunya lokuqoqa amadiphozithi emphakathini.

Izikhungo ezikhona ehambisana no-Asnef, Ngokuvamile bagxila ekunikezeni isikweletu sabathengi, kepha kujwayelekile ukuthi nabo benze ezinye izinhlobo zemisebenzi enjengokunikeza iziqinisekiso nokugunyazwa, ukufaka amaphepha, ukuqashiswa kwezezimali, kanye nokukhishwa nokuphathwa kwamakhadi wesikweletu.

Isebenza kanjani le Nhlangano?

Njengoba sekushiwo, i-Asnef yasungulwa ngo-1957 futhi kusukela lapho ibisaziwa kakhulu ngerejista yayo edumile yabantu abangakhokhi, okuyiyona enkulu kunazo zonke ekhona eSpain futhi yaziwa njengeFayela le-Asnef.

Este ifayili labakhokha iphutha iqukethe imininingwane ehlobene nabo bonke abantu abanesikweletu esizenzakalelayo nesinye sezikhungo ehambisana no-Asnef.

Okwenziwa yilezi zikhungo ukuhlinzeka ngalokhu imininingwane ezenzakalelayo yekhasimende kusoseshini, ngenhloso yokuthi ngaphambi kokunikeza isikweletu noma imalimboleko, izikhungo ezihambisanayo zingaqinisekisa kalula ukuthi iklayenti elingahle libonakale alibhalisiwe njengesigebengu kuleli fayela.

Njengamanje, cishe ayikho neyodwa izikhungo zezimali eziqoqwe ku-Asnef, unikeza noma yiluphi uhlobo lwesikweletu kubantu abavela efayeleni nganoma yisiphi isimo. Kubalulekile futhi ukusho ukuthi ifayili le-Asnef lilawulwa yi-athikili 29 ye-Organic Law 15/1999 kaDisemba 13, esigabeni Ukuvikelwa kwedatha yomuntu siqu.

Ngenxa yalokho, yifayela elibhekwa njenge- ifayela lemininingwane eliqondisiwe ekugcwalisekeni noma ekungafezekisweni kwezibopho zemali futhi lapho labo abakuhlinzekayo, okufakiwe kufayela elishiwoyo, kungabakweletisi.

I-Asnef futhi iyahambisana nale mithethonqubo, ngaphezu kokuba ne-Consumer Attention Service, lapho kunakwa kuphela izicelo zabathengi futhi ikakhulukazi, inhloso yayo ukwenza wonke amalungelo aqashelwe emthethweni asebenze.

Yini i-EQUIFAX?

I-EQUIFAX yisikhungo sokubika ngesikweletu sabathengi, esizinze edolobheni lase-Atlanta, e-United States, inkampani yaso eseSpain, i-EQUIFAX Ibérica SL, ephethe ukuphatha ifayili elihlambalazayo.

Indima yalesi sikhungo ukuqoqa nokuhlanganisa imininingwane ngabathengi nabamabhizinisi ngabanye.

Ngaphezu kokunikela idatha yesikweletu nezinsizakalo ebhekene nenani labantu bebhizinisi, i-EQUIFAX ibuye ithengise izinsizakalo zokuqapha izikweletu kanye nezinsizakalo zokuvimbela ukukhwabanisa ngqo kubathengi.

Izidingo zokubhaliswa ku-Asnef

Ngenxa ye izici zokusebenza kwayo nangendlela okwenziwa ngayo, u-Asnef ulahlwe yicala ezikhathini eziningi ngokwephula ilungelo lokuhlonishwa. Lokhu kubalethele izinkinga eziningi, ikakhulukazi ngoba izenzo zabo ziphikisana nalokho okusungulwe ku-Organic Law 15/1999.

Khumbula ukuthi lokhu Umthetho Wokuvikelwa Kwemininingwane Yakho, inika amandla abakweletwayo ukubheka ukuthi babhalisiwe yini noma cha e-Asnef njengehlongandlebe. Kuke kwaba nezimo lapho usoseshini unabantu ngisho abangahlangabezani nezimfuneko zokufakwa.

Lokho wukuthi, ukuze umuntu abhaliswe njengesehluleki ifayela le-Asnef Kufanele kube nesikweletu esithile futhi esiphoqayo esineminyaka engaphezulu kwengu-6, ngaphezu kwalokho, uthe isikweletu kumele ngabe sasiceliwe ngaphambilini ngumbolekisi futhi uma lokhu sekwenziwe, okweletayo kufanele aziswe yinhlangano uqobo, esivele ifakiwe amafayili. ama-defaulters.

Ngenxa yalokhu, okwamanje kunamacala amaningi lapho amangalele u-Asnef futhi eziningi zalezi zimangalelo ziye zaholela ekutholakaleni kwenhlangano eshiwo.

Ayini amalungelo alabo abathintekayo?

Imithethonqubo elawula ukuvikelwa kwedatha ibona labo abathintekayo ngamalungelo okumele babhekane nalabo ababhekene nefayela.

Amalungelo alabo abathintekayo afaka:

• Ilungelo lokufinyelela. Bonke abantu abathintekile banelungelo lokucela futhi bathole imininingwane ephathelene nemininingwane yabo efakiwe kufayela le-Asnef ngendlela ezenzakalelayo.
• Ilungelo lokulungisa nokukhansela. Kulokhu, kuyilungelo lapho umuntu othintekayo angacela khona ukuthi yonke imininingwane evela efayeleni ilungiswe noma ikhanselwe nokuthi ayilungile, ayiphelele noma yeqisile.

Kuyafaneleka ukusho ukuthi wonke la malungelo alabo abathintekile angaka- uhlamvu lomuntu siqu ngakho-ke zingasetshenziswa kuphela ngumuntu othintekile, okufakazela ngokufanele ukuthi ngubani

Ukuphela komuntu ongangena esikhundleni sakho ngummeli wakho wezomthetho, kodwa kuphela uma ukhubazekile noma ungaphansi kweminyaka yobudala, okukuvimbela ekusebenziseni ilungelo lakho uqobo. Uma kunjalo, ummeli kufanele afakazele leyo mibandela.

Okwabantu abavela ku ifayela le-Asnef, ngokuyisisekelo kusho ukuthi abanamathuba amaningi okuthola imalimboleko, noma ngabe banendlela yokukhokha ngayo.

Imininingwane evela kuleli fayela ithintwa nsuku zonke ngamabhange nezinye izikhungo zezezimali ukuqinisekisa ukuthi abanikeli ngezimali kumuntu othathwa njengonesihluku.