Kuzo zonke izinhlu ezikhona nezikhona, uhlu lwabahluleka ukwenza umsebenzi lulodwa okungekho muntu ongafuna ukuba kulo. Kodwa-ke, noma isiphi isikweletu esisele, kungaba ngocingo, ugesi, amanzi, umphakathi womakhelwane, njll. kungakwenza uphele kuwo. Kepha, Ngazi kanjani ukuthi ngisohlwini lwezinhlanya? Ungomunye wemibuzo ejwayelekile abantu abaningi abazibuza yona.
Uhlu lwabakhokhayo, noma i-Asnef, njengoba kwaziwa futhi, lunohlu lwabo bonke abantu abehlulekile kwisibopho sabo sokukhokha, ngendlela yokuthi igama labo lizovela kubo futhi babe sesidlangalaleni, okusho ukuthi noma ngubani Wena ungazihlola ukuthi ukhona yini umuntu okuso. Kepha yini enye oyaziyo?
Luthini uhla lwabenza iphutha
La Uhlu lwabakhokhayo empeleni luyi-database lapho kuboniswa khona abantu abanesibopho sokukhokha esilindile nenkampani ethile. Isibonelo, ngoba amanzi, ugesi, imalimboleko yasebhange, i-Intanethi ayikhokhiwe ...
Inhloso yohlu ukunikeza noma ngubani uhlu lwalabo abangathembeki "ngenkokhelo, okungukuthi, abakhokhi lokho abakukweletayo. Lokhu kusiza ukwenza kube semthethweni ukunikezwa kwamakhredithi noma ukuqala ubudlelwano nalo muntu (ngoba kwesinye isikhathi badinga imibandela eminingi ukuqinisekisa ukukhokha ngokuba kulolu hlu).
La Uhlu lwabakhokhayo lwenziwe ngabantu baseSpain abangaphezu kwezigidi ezine, futhi lokhu kuyanda njalo. Abanye bayaphuma, kuyilapho abanye bengena. Okufanele ukwazi ukuthi, ngaphandle kokuthi uhlu olwaziwa kakhulu lwabahluleka ukukhokha imali yi-ASNEF, okungukuthi, iNational Association of Financial Credit Establishments, empeleni kunezinkampani eziyi-130 ezilungisa lolu hlobo lohlu olubonakalisiwe inani labantu elinamaphutha.
Ezinye ezaziwa kakhulu yilezi:
- I-EQUIFAX: emhlabeni jikelele.
- I-RAI: yiRegistry Yokwamukelwa Okungakhokhelwa.
- I-CIRBE: kungumbhalo wazo zonke izimali mboleko ezikhiqizwe izikhungo zezezimali futhi, ngakho-ke, kwenza umuntu owamukela imali ebolekiwe abe ngumkweletu waleyo mali.
Ungazi kanjani ukuthi ngabe ngisohlwini lwabaphambuki
Ngazi kanjani ukuthi ngisohlwini lwezinhlanya? Yize abantu abaningi bengazi ukuthi benzeni ukuze bathole, iqiniso ukuthi ukwazi lolu lwazi kulula kakhulu. Ikakhulu njengoba sikhuluma ngerekhodi lomphakathi, okungukuthi, noma ngubani angalibona.
Ukuze wenze lokhu, kwanele ukuba nenombolo yakho ye-DNI noma ye-NIF, kanye nekheli lakho leposi, ukuze wazi ukuthi ngabe ukulo nolunye lwalezo zinhlu.
Futhi ungakwenza kuphi? Yebo, ngenxa ye-Intanethi, ungavakashela amakhasi ezinkampani enza uhlu lwama-defaulters ukubheka imininingwane yawo, ngakho-ke, uthole ukuthi ukhona noma cha.
Manje, i-Intanethi akuyona ukuphela kwendlela yokwazi ukuthi ngabe ngisohlwini lwabaphambuki yini. Futhi, izinkampani eziningi zinenombolo yocingo ongayishayela noma amahhovisi aphathekayo lapho ungaya khona ukuqala inqubo futhi uthole ukuthi ukhona noma cha.
Ngokuvamile inqubo ilandela lezi zinyathelo ezilandelayo:
- Ifomu lesicelo ligcwalisiwe. Lokhu kuvame ukudinga imininingwane yakho futhi, kwezinye izimo, nemininingwane ethile mayelana nesikweletu esisele.
- Kungakapheli izinsuku eziyi-10, kuthintwa le datha bese kutholwa impendulo evela ohlwini ukwazi ukuthi ukuyo noma cha. Uma kwenzeka ukhona, bangakunika imininingwane eminingi ngayo, njengokuthi yiziphi izikweletu onazo, nobani, inani, njll.
Okufanele ukwenze uma ngikhona
Wake wamangala futhi ingabe usohlwini lwabenza iphutha? Into yokuqala okufanele uyenze ukwehlisa umoya. Akukona ukuphela komhlaba futhi akufanele kube umuntu omubi ngakho. Izikhathi eziningi, izimo zempilo zisenza sikweleta inani elithile lenkampani.
Kuyinto elula ukuthi Hlanganisa izikweletu ezisasele ukuze ubone ukuthi ingakanani inani lesikweletu esiphelele nokuthi unabani.
Ngokuvamile, uhlu lwabakhokhayo lufaka phakathi abantu abanesamba esincane okufanele basikweleta ama-euro angama-50 (okungukuthi, usungakwazi ukulifaka ngemali encane kakhulu). Kepha ezinye izidingo kufanele futhi zihlangatshezwe (ezisungulwe ku-Organic Law 15/1999 ku-Protection of Personal Data) okuyi:
- Lezo zinyanga ezine sezidlulile ngemuva kokuzenzakalelayo.
- Ukuthi ukufakwa kwegama lakho ohlwini lwabakhokhayo kuzisiwe (kusasele inyanga eyodwa ngaphambi kwesikhathi). Uma lokhu kungenzeki, lowo muntu angafaka isicelo sokuhamba ngokushesha.
Kule nyanga ngaphambi kwesikhathi, umuntu angafaka isicelo, noma akhokhe, okuzokwenza ukuthi kungabe kusaba sohlwini. Futhi, isikhathi esiphezulu umuntu asohlwini lwezihlubuki yiminyaka emihlanu kuphela. Ngemuva kwaleso sikhathi, idatha ezikweletini ayisakwazi ukudluliselwa. Ngabe lokho kusho ukuthi isikweletu sithethelelwe? Cha, kepha igama ngeke livele ohlwini.
Ungaphuma kanjani ohlwini lwamahlongandlebe
Kuyacaca ukuthi isixazululo sokungaveli ohlwini lwabangenele iphutha yilesi khokha lokho okweletwayo. Kepha ungathola isimanga futhi lokho ukuthi, noma ngabe ukhokha, uyaqhubeka nokuvela. Lokhu kungenxa yokuthi ababolekisi, okungukuthi, izinkampani obakweleta imali, ngeke bakunakekele ukuvuselelwa kwedatha esohlwini, futhi lokho kusho ukuthi kungenzeka ukuthi ususikhokhile isikweletu sakho, bese uqhubeka nokuvela kulezi zinhlu .
Kulokhu, uma usukhokhile, sincoma ukuthi wehlele emsebenzini buza ukufakwa kuhlu lapho ubonakala sengathi uzokususa khona.
Ukuze wenze lokhu, kufanele ukucele ngokusemthethweni, unamathisele idokhumenti eqinisekisa ukukhokhwa kwalesi sikweletu, ngendlela yokuthi isuswe ku-database yakho. Impendulo yenkampani yokubhalisa akufanele ithathe izinsuku ezingaphezu kwezingu-10, lapho ilungelo lakho lokufinyelela, ukukhansela, ukuphikisa kanye / noma ukulungiswa kufanele kusebenze kahle. Esimweni esingesihle (ngokwesibonelo ngoba abakunaki, noma abafuni ukukukhipha) ungafaka isimangalo ku-Spanish Data Protection Agency (AEPD) okunamathisela imibhalo yokuthi ukucele kanjani ukukhanselwa, lokho okufakile, nempendulo abakunike yona.
Kwake kwenzeka kuwe? Wazi kanjani ukuthi ubesohlwini lwezihlubuki?