2024 Tus sau: Elizabeth Oswald | [email protected]. Kawg hloov kho: 2024-01-13 00:07
Cov nyiaj them poob qis lossis tsis them nyiaj tuaj yeem nyob hauv koj daim ntawv tshabxo nuj nqitxog li xya xyoo tom qab thawj tus as khauj thawj zaug ua tsis raug. Thaum cov nyiaj khaws cia nce mus txog xya xyoo, cov tuam txhab tshaj tawm cov credit yuav tsum tau rho tawm ntawm koj daim ntawv tshabxo nuj nqi.
Puas tag nrho cov ntawv sau qhia hauv daim ntawv qhia credit?
Txawm hais tias feem ntau cov qiv nyiaj loj thiab cov neeg qiv nyiaj tshaj tawm rau tsawg kawg yog ib lub koom haum qhia txog credit, muaj tsis muaj qhov yuav tsum tau tshaj tawm, thiab tsis yog txhua lub tuam txhab ua. Yog li ntawd, nws muaj peev xwm tiv nuj nqis uas tsis tshwm sim ntawm koj daim ntawv tshabxo nuj nqi.
Puas lub koom haum sau se qhia ntawm daim ntawv tshabxo nuj nqi?
Yog tias koj raug hu los ntawm lub chaw sau nyiaj, koj muaj cai rau cov ncauj lus kom ntxaws txog cov nuj nqis uas lawv thov koj tshuav. Hu rau lub chaw sau nyiaj yuav tsis cuam tshuam koj daim ntawv tshabxo nuj nqi.
Kuv yuav ua li cas thiaj paub tias cov khoom sau li cas hauv kuv daim ntawv tshabxo nuj nqi?
Yuav kom paub seb koj muaj dab tsi hauv kev sau, koj yuav xav tau txhawm rau txheeb xyuas koj daim ntawv tshabxo nuj nqi tshiab los ntawm txhua qhov ntawm 3 qhov chaw ua haujlwm credit. Cov koom haum sau nyiaj tsis tas yuav tsum tau tshaj tawm lawv cov ntaub ntawv nyiaj txiag rau tag nrho peb lub koom haum qhia txog credit hauv lub tebchaws.
Vim li cas koj yuav tsum tsis txhob them lub koomhaum sau nyiaj?
Ntawm qhov tod tes, them nyiaj qiv rau lub koom haum sau cov nuj nqis tuaj yeem ua rau koj cov qhab nia credit. … Txhua qhov kev txiav txim ntawm koj daim ntawv tshabxo nuj nqi tuaj yeem ua taucuam tshuam tsis zoo rau koj cov qhab nia credit - txawm tias them rov qab qiv nyiaj. Yog tias koj muaj qhov qiv nyiaj uas yog ib xyooslossis ob xyoos, nws zoo dua rau koj daim ntawv tshabxo qiv nyiaj kom tsis txhob them nws.
Pom zoo:
Puas yog daim ntawv them nqi lag luam yog daim ntawv xa nyiaj?
Thaum siv rau hauv kev lag luam txawv teb chaws, daim ntawv xa khoom lag luam yog a daim ntawv kev lis kev cai. … Daim ntawv them nqi them nqi feem ntau tsuas muaj lo lus "invoice". Daim ntawv them nqi no kuj tseem siv tau ua daim ntawv xa nyiaj lag luam yog tias nthuav tawm cov ntaub ntawv ntxiv.
Puas khob cij tshwm rau ntawm daim ntawv tshabxo nuj nqi?
A: Tsis yog. Peb siv cov lus nug muag los tshuaj xyuas koj tus nqi, uas yuav tsis cuam tshuam koj cov qhab nia credit. Kev tshuaj xyuas nrog Bread yuav tsis ua rau muaj kev nug nyuaj ntawm ib qho ntawmpeb lub koom haum tshaj tawm cov credit loj.
Thaum twg cov lus tsis zoo raug tshem tawm ntawm daim ntawv tshabxo nuj nqi?
Lub sijhawm ntev ntawm cov ntaub ntawv tsis zoo tuaj yeem nyob hauv koj daim ntawv tshabxo nuj nqi yog tswj hwm los ntawm tsoomfwv txoj cai lij choj hu ua Fair Credit Reporting Act (FCRA). Cov ntaub ntawv tsis zoo feem ntau yuav tsum raug muab tshem tawm tom qab xya xyoo.
Qhov twg raug ntiab tawm ntawm koj daim ntawv tshabxo nuj nqi?
Puas tshem tawm cov ntawv qhia txog credit? Yog lawm, kev ntiab tawm yog ntxiv rau "cov ntaub ntawv pej xeem" ntu ntawm koj daim ntawv tshabxo nuj nqiyog tias lawv raug txiav txim siab hauv tsev hais plaub txiav txim plaub ntug, uas feem ntau tshwm sim thaum tus neeg xauj tsev raug tshem tawm thiab tsis kam tawm hauv lub tsev hais plaub.
Puas sau ib txwm mus rau daim ntawv tshabxo nuj nqi?
Cov nyiaj khaws cia feem ntau yuav nyob hauv koj daim ntawv tshabxo nuj nqi ntev txog xya xyoo txij li hnub lawv thawj zaug ua tsis zoo. Tom qab xya xyoo, tus as-qhauj yuav tsum cia li tso tseg koj daim ntawv tshabxo nuj nqi. Puas yog cov khoom sau cia tau tshaj tawm rau lub chaw ua haujlwm credit?
