Izikhungo Zezikweletu yizifinyezo ze Inhlangano Kazwelonke Yezikhungo Zezikweletu.
Le nhlangano yaziwa nangokuthi i- "Uhlu lwabakhokhayo", futhi ukuba sohlwini lwe-ASNEF kungaba enye yezinto ezilimaza kakhulu ezingenzeka kithi kwezomnotho.
Ibizwa "Uhlu lwabakhokhayo" Ngoba lolu hlu lubandakanya abantu abangazikhokhi izikweletu zabo, ngaleyo ndlela babe "izihlubuki," futhi akekho ofuna ukuba kulolu hlu.
Yini i-ASNEF EQUIFAX?
Akuyona into ngaphandle kohlobo lwefayela lapho inani elikhulu le- izinhlangano zemali kancane kancane bayangeza lawo maklayenti angakhokhi izikweletu zawo futhi-ke athi, abe "yisigebengu".
Endabeni yokungazikhokhi izikweletu, noma esimweni sokungakhokhi imalimboleko noma okunye okufana nalokho, cishe uzophela kulawa mafayela, futhi lokho kungaholela ezinkingeni eziningi. Akulona ifayela elisetshenziswa yinkampani eyodwa, kepha basebenzisa konke ngasikhathi sinye, ngakho-ke uma unesikweletu ne-BBVA, iSantander ngokwesibonelo namanye amabhange nawo azokwazi.
Leli fayela lingenye yohlobo lwayo olwaziwa kakhulu nolusetshenziswa kakhulu (yize kungelona lodwa), futhi futhi lukhulu kunawo wonke, nokukhula okulingene kwabantu abangama-200.000 ngenyanga. Abantu abaningi, ngokungangabazeki!
Ingabe kuthinta kuphela izinhlangano zezezimali?
Ngakolunye uhlangothi, kuyathakazelisa ukuqaphela ukuthi hhayi kuphela izinhlangano zezezimali zingamalungu e-ASNEF )
Ngakho-ke akekho umuntu osindiswayo, kubaluleke kakhulu ukukhokha izikweletu zakho kunoma iyiphi indawo lapho udinga khona usizo lwanoma yiluphi uhlobo, noma ngabe ludingeka kanjani kuwe noma kunoma ngubani.
Khumbula lokho Noma ngubani angafaka uhlu lwabakhokhayo ...
Ngazi kanjani ukuthi ngisohlwini lwe-ASNEF?
Ngokuvamile, kufanele uzibheke njengesigebengu uma sesinakho ukwehluleka ukukhokha ezintathu zilandelana zezikweletu ezidlule. Lezo zinyanga ezintathu yisikhathi izinkampani eziningi ezisinikeza amakhasimende ukuthi enze izinkokhelo zawo uma kwenzeka ephuze ukufika.
Ngemuva kwalezi zinyanga ezintathu, izinkampani eziningi zikubeka ohlwini lwazo olumnyama, futhi uma kwenzeka uqhubeka uziba futhi ungahlangabezani nezinkokhelo ozikweleta, zizokungeza Uhlu lwe-ASNEF, abelana ngazo nezinye izinkampani.
Ngakho-ke akekho umuntu osindiswa kunoma yini, uma wethula umlando we ukungakhokhi nenkampani, lapho-ke zonke izinkampani zizothola ngalokhu futhi ngeke ube nenye indlela ngaphandle kokukhokha konke okukweletayo.
Ngivela ohlwini lwe-ASNEF futhi angizange ngihluleke kunoma iyiphi inkokhelo, ngenzani?
Njenganoma yiluphi uhlobo lohlelo, kwesinye isikhathi kuneziphazamisi namaphutha kuhlu, nokuthi ngubani okufanele avele ohlwini akaveli nokuthi ngubani okungafanele avele. Into yokuqala ongayenza ukulungisa lezi zinhlobo zezinkinga ukuya kufayela lakho le- Ibhange elithembekile futhi ubuze ngaphandle kwesibopho. Umeluleki wakho kufanele akwazi ukukunikeza lolo lwazi ngokukhululekile futhi mahhala ngokuphelele.
Uma kwenzeka ibhange lingakuniki lolu lwazi, ungaya kwesinye isikhungo sezezimali futhi ukhombise inhloso yokwenza lokho isicelo sekhredithi (ngokusobala, ngaphandle kokukuphothula). Ngesikhathi senza lokhu, ibhange lizofunda ngesikweletu sakho, futhi lokho kufaka ukubheka ukuthi ngabe uku- Uhlu lwe-ASNEF. Uma kunjalo, bazokwazisa ngokushesha.
Manje, uma le nketho ingakusebenzeli, ungahlala wenza umbuzo nge-inthanethi; i I-ASNEF EQUIFAX ilawulwa yi-EQUIFAX IBÉRICA futhi ungaxhumana sac@equifax.es.
Ungakwenza futhi kusuka kuwebhusayithi ye-EQUIFAX, http://equifax.es. Kuzona zombili lezi zimo, kuzodingeka uthumele ikhophi ye-ID yakho ukuze uzikhombe kubantu abakuhambele.
Yini okufanele ngiyenze uma ngisezikhungweni zezikweletu zezezimali?
Into yokuqala okufanele uyazi uma kwenzeka uku- Uhlu olusemthethweni lwe-ASNEF lwabahluleka ukukhokha, ngukuthi inkampani ekwethula kuyo (okungukuthi, inkampani ongakhokhi kuyo izikweletu noma izikweletu) kufanele ikwazise izinsuku ezingama-30 ngaphambi kokukufaka ohlwini. Uma kwenzeka uku-Financial Credit Institutions futhi bengakwazisanga, ungacabanga inketho yokubamangalela.
Esinye isici okufanele usicabangele ukuthi izinkampani eziningi zifaka amaklayenti anezikweletu ezingekho ohlwini lwe-ASNEF. Ngokuvamile izinkampani zocingo noma zikagesi abenza izindleko ezingahambisani nezindleko zangempela zeklayenti. Lezi zivame ukuba yizinkinga ezithile futhi kufanele zixazululwe nenkampani uqobo.
Ekuqaleni, kulezi zimo akufanele uze uvele kufayela le- Uhlu lwe-ASNEF, kepha uma lokhu kunjalo futhi kungenxa yako, kulula ukuxhumana nenkampani ukuze ingathwali leso sikweletu ngaphandle kokuyifanele.
Ngakolunye uhlangothi, uma kungenzeka ukuthi unezizathu zokuba sezikhungweni zezezimali, okusho ukuthi awuzange ukhokhe izikweletu ezithile noma izikweletu zezezimali, ungacela ukuthi idatha yakho isuswe ngakho-ke abukho ubufakazi ukuthi ugcine ekugcineni. Ukuze wenze lokhu, kufanele uhlangabezane nalezi zidingo ezilandelayo:
- Isikweletu sesikhokhiwe futhi noma kunjalo, uqhubeka nokuvela njengomkweletu.
- Isikweletu esimangalelwe singaphezu kweminyaka eyisithupha.
- Ukufakwa kwegama lakho ezikhungweni zezezimali akuzange kwaziswe ngencwadi.
- Inani elibizwayo alilona iqiniso noma aligculisekile.
- Isikweletu esimangalelwe asinakubonakaliswa yinkampani.
- Isikweletu akusona esakho noma ubuwena buzenzile.
Kulezi zimo, kufanele bakususe ohlwini lwe-ASNEF, noma kuhlu lwabakhokhayo. Uma kwenzeka uvela futhi ukhokha isikweletu sakho, into ejwayelekile ukuthi, ngokushesha, bayakususa ohlwini. Uma kwenzeka ukuthi lokhu kungenjalo, khona-ke isimo esishiwo ephuzwini lokuqala besizokwenzeka.
/ Ungasusa kanjani igama lami ohlwini lwe-ASNEF?
Uma uzithola usohlwini lwabaphambuki kufanele uqonde ukuthi ukuphuma akulula, kepha lokho akusho ukuthi akunakwenzeka.
AbaseSpain abayizigidi ezimbili nohhafu abazikhokhi izikweletu zabo, okusho ukuthi labo bantu abayizigidi ezimbili nohhafu bayakuqonda ukuthi kuyini ohlwini lwama I-ASNEF EQUIFA, noma irejista yabenza iphutha, lolo hlu olumnyama okungekho muntu ofuna ukuba kulo.
Ukuphuma kulolu hlu isinyathelo sokuqala ukukhokha. Kodwa-ke, lokhu ngeke kwanele, ngoba okulandelayo ukucela ukuthi ususwe ohlwini lwe-ASNEF, kepha ifayili ngeke lenze lokho kuze kube yilapho inkampani ekweletayo ikubona ukukhokha. Ungalindeli ukuthi ukusebenza ngendlela efanayo kufune inkokhelo njengokuzisusa ohlwini lwabamnyama, ngoba yize uphikelela, kubalulekile ukuthi unake ukuthi kungathatha kuze kufike eminyakeni eyi-6, okungumkhawulo osemthethweni.
Futhi uma isikweletu abanaso siyimfihlo, njengoba kunjalo nabaphathi, isixazululo sizoba lula kakhulu. Bayithatha ku-akhawunti yabo yokuhlola nasekupheleni kwendaba.
Iqiniso lokuthi uvela ohlwini olungaqinisekisi amandla akho okukhokha ngesikhathi kungathinta okuningi emkhakheni wezezimali wakho, ngakho-ke kubaluleke kakhulu ukwazi ukuthi yini okufanele uyenze uma sesingene kulolu hlu lwabamnyama.
Isiphetho
Ngamafuphi, Inhlangano Kazwelonke Yezikhungo Zokukweletwa Kwezezimali, i-ASNEF noma "uhlu lwabakhokhayo"Noma yini ofuna ukuyibiza ngayo, iluhla lapho zonke izinkampani ezizofanele zinikeze insizakalo ngenkokhelo yesikhathi esizayo iklayenti elibamba iqhaza ukuze zazi ukuthi zizokwazi yini noma cha ukukhokha, nokuthi isivele inendaba ngemuva kokuzenzakalelayo.
Mhlawumbe inketho esebenzayo ukukhomba uma uku- Uhlu lwe-ASNEF, noma ukubhekana nenkinga maqondana nalokhu (ukuthi uvela ezinhlwini noma ngabe awuzange ukhokhe inkokhelo ethile, ngokwesibonelo), ukuvakashela iwebhusayithi futhi uxhumane nabo nge-imeyili yabo. Yize abantu abaningi banezinkinga ngewebhu futhi bakhetha ukusebenzisa olunye uhlobo lwezinketho ukuxazulula lezi zinkinga ezingasebenza nje kepha zihambe kancane, kukumuntu ngamunye uma bethanda ukuxhumana ngezinye izindlela.
Khumbula ukuthi kulokhu kuphila akukho okhululekile; Uma ungafuni ukuzibandakanya ezinkingeni zezezimali noma yini efana naleyo, kuzofanela ulandele imithetho yomdlalo. Khokha izikweletu zakho, uma ucela imalimboleko bese uyibuyisa esikhathini esibonisiwe ngakho-ke ngeke ungene kunoma yiluphi uhlobo lwezinkinga. Nakekela impilo yakho yezezimali!