Lipoti lanu la ngongole ndi mbiri ya zochita zanu ndi ogulitsa. Mabungwe owonetsera ngongole amadziwa zambiri monga momwe muliri ngongole, mumayandikira kwambiri kuti mukhale ndi malipiro anu a ngongole, kaya muli ndi mbiri ya malipiro omwe mulibe, ngati muli ndi luso lobwezera mitundu yosiyanasiyana ya ngongole , ndi utali wotani mwakula (kapena osapambana) kukumana ndi zofunikira zanu zachuma kwa okhoma ngongole.
Mabanki kapena mabungwe ena ogulitsa omwe akukufunsani ngongole kapena zinthu zina zamalonda adzafufuza mbiri yakale ya ngongole kuti awathandize kudziwa momwe zingakhalire pangozi yomwe simungathe kulipira nthawiyo.
Chifukwa Chake Muyenera Kuwona Malipoti Anu Okwanira Ngongole
Mwachidule, muyenera kufufuza malipoti anu a ngongole chifukwa cha zizindikiro za mavuto. Ndili ndi zambiri zambiri za anthu ambiri a ku Canada omwe amapita mobwerezabwereza pakati pa mabungwe ogulitsa ngongole ndi ogulitsa, nthawi zina amalakwitsa . Muyenera kufufuza malipoti anu a ngongole kamodzi pa chaka kuti muwonetsetse kuti akuwonetseratu zolondola zanu ndi mbiri yanu ya ngongole. Chinthu china chimene muyenera kuyang'ana ndicho chizindikiro cha kuba . Ngati muli ndi akaunti zonse zomwe simuli nazo zomwe zalembedwa pa lipoti kapena ngati pali zolemba za mafunso omwe munapanga zokhudza mbiri yanu ya ngongole zomwe zimachokera ku makampani omwe simunachite nawo malonda, iwo angakhale olakwitsa kapena angakhale chiwonetsero chakuti wina akupanga ndalama pansi pa dzina lanu.
Kulemba Malipoti Anu Osalandilidwa
Pali mabungwe awiri akuluakulu owonetsera ngongole ku Canada - TransUnion ndi Equifax - ndipo muyenera kufufuza malipoti anu kuchokera kwa iwo onse (Experian ankaperekanso kupereka malipoti a ngongole, koma amatha ntchito imeneyo). Makampani awiriwa amapereka mwayi wopeza malire anu (omwe amawonekera kwambiri pa mawebusaiti awo), ndi maofesi omwe amachokera panthawi imodzi akuwoneka pamakono anu a ngongole kumalo otsutsa omwe akutsutsa kubwezera ngongole.
Koma mwalamulo, mumaloledwanso kulandira lipoti lanu lachinsinsi pamakalata kwaulere. Kaya mumasankha kupereka malipiro owonjezereka, zimadalira mkhalidwe wanu, koma pokhapokha ngati mukumva kufunika kokhala ndi chidziwitso chanu nthawi yomweyo muyambe kuyang'ana kwaulere pa lipoti lanu la tsopano ndikuchoka kumeneko.
M'munsimu muli njira zomwe zimapezeka ku mabungwe awiri akuluakulu. Kwa zopempha zonse za ngongole za ngongole, mufunikira kupereka zidutswa ziwiri za chizindikiritso (kujambulidwa kutsogolo ndi kumbuyo kwa zopempha zamakalata).
TransUnion Canada
- Lipoti laulere lingapemphedwe mwa makalata kapena payekha (ofesi ya Ontario ili ku Hamilton).
- Lembani fomuyi kuchokera pa webusaitiyi (pembedzani pansi ndi dinani "Momwe mungakwaniritsire lipoti la ngongole yaulere" pansi pa Zokambirana Zokambirana).
Equifax Canada
- Lipoti laulere lingapemphedwe mwa makalata, fax kapena foni 1-800-465-7166.
- Kwa pempho la fax / faxed kusindikiza fomu kuchokera pa webusaitiyi (Dinani "Lumikizanani nafe" pamwamba pa tsamba).
Kukonza Zolakwa Pogwiritsa Ntchito Ngongole Yanu
Mukalandira lipoti lanu pamakalata mudzapeza fomu yomwe yaphatikizidwa kuti mugwiritse ntchito kukonza zolakwa zanu. Ngati uthenga wosayenerera ukuwoneka kuti ukuwonetsa kuti mwakhala mukudziwika ndi kuba, komabe simukufuna kudikira pamene pepala ikupita kudzera mwa makalata.
Lankhulani ndi bungwe lomwe lipoti lanu mwapezapo mwamsanga ngati mukuganiza kuti kubadwa kwadzidzidzi. Itanani TransUnion Canada pa 1-800-663-9980 ndi Equifax Canada pa 1-800-465-7166.
Zowonongeka Sizingathetsedwe
Dziwani kuti pamene mabungwe olemba ngongole adzakonza kapena kuchotsa zomwe zatsimikiziridwa kuti ndizolakwika, simungakhale ndi chidziwitso cholondola chifukwa chakuti simukukondwera nazo - ndipo palibe wina aliyense. Pali makampani omwe amapereka "kukonzekera" lipoti lanu la ngongole, koma sangathe kusintha kusintha kwa mbiri yakale ya ngongole kuposa momwe mungathere.
Mawu Anu Olemba Malipoti Vs. Ndondomeko yanu ya ngongole
Ndalama zanu za ngongole ndi nambala imodzi yomwe imasonyezera msanga mbiri ya ngongole yomwe ili mu lipoti lanu la ngongole - yapamwamba chiwerengerocho chikuposa.
TransUnion ndi Equifax amagwiritsa ntchito chiwerengero pakati pa 300 ndi 900, koma ogulitsa angapo ndi mabungwe ena akhoza kugwiritsa ntchito dongosolo lawo loyesa. Ndalama zanu za ngongole zingagwiritsidwe ntchito pokhapokha ngati wina akuganiza ngati angakuvomerezeni ngongole kapena khadi latsopano la ngongole, ikhozanso kukhala chinthu chothandizira kupeza chiwongoladzanja chomwe mudzachibwezere. Ngongole yanu ya ngongole yomwe yawerengedwa ndi mabungwe owonetsera ngongole akupezeka kwa inu koma kwa malipiro okha. Mutha kukhala ndi chidwi chophunzira phindu lanu la ngongole ngati mukuganiza kuti mukufunika kusintha kapena ngati mukufuna kukongoza ngongole kapena ngongole yatsopano muzaka zingapo zotsatira.