Nzira Yokugadzirisa Nzira dzekugadzirisa Bhuku reMunhu Wekodzero uye Chikoro cheChikoro
Zvose izvi dhiyabhorosi ndizvo zvinoshandiswa kuuya nekodhi yako chikoro chinowanzotarisa pakati pe 350 ne800.
Chikwereti chezvikwereti zve 350 chinoreva kuti iwe haubhadhari zvikwereti zvako panguva uye mabhangi pamwe nevatengesi vane ngozi huru apo pavanosarudza kuwedzera chikwereti kwauri. Izvi zvinoreva kuti chikwata chechikwereti chakaderera chichatapudza kana kutouraya mikana yekuwana chero mararamiro ekubhadhara mari kubva kune imwe nzvimbo yezvemari, mutengesi kana imwe imwe nzvimbo.
Kune rumwe rutivi, chikamu chekwereti chakakwirira chinoratidza kuti munhu anobhadhara zvikwereti zvavo nenguva uye ane mari yakasimba. Izvi zvinofadza kune vakweretesa kubva mumafungiro avo, pfungwa ndeyokuti munhu ari mubvunzo ane unhu hwakakwirira hwekubhadhara chero rudzi rwekwereti rwakapiwa kwaari. Zvinonyanya kukosha kuti munhu wose arambe ari pamusoro pemutambo pazvinouya pakuongorora zvikwereti zvemari.
Pane dzimwe nguva, vaseki vanogona kupindira muchikwata chako chekwereti uye kukwereta zvinhu kana chikwereti muzita rako pasina ruzivo rwako. Izvi zvingangoderedza chikwereti chako chikoro chiyeuchidzo kubva zvichida nenguva yaunoziva, zuva rekubhadhara raizove rakapfuura uye iwe unoguma uchiita kukanganisa kubhadhara.
Saka, ndeipi nzira yakanakisisa yekucherechedza chikwereti chako chekwereti? Iko nekuwana gwaro rechikwereti nguva dzose uye kuongorora basa racho. Kune nzvimbo dzakasiyana dzakapa zvikwereti zvekwereti kuitira kuti tanyora nzvimbo dzakanakisisa dzekuwana zvikwereti zvemarikiti.
CreditReport.com
Iyi ndiyo chikwata chekwereti chechikwereti chaiva nacho uye chinotungamirirwa naVexan iyo imwe yezvikwereti zvekwereti zvine mhosva yekuumba zvikwereti zvekwereti kune vamwe uye mabhizinesi .
Paunopindira purogiramu, iwe une kodzero yekushanda kwemazuva manomwe ekuedzwa kwemashure mushure mekunge iwe ungasarudza kuregera kana kupfuurira nekubhadhara kubhadhara. Izvo zvikwereti Zvikwereti zveMarikiti zvinokupa iwe upi zvake weWayan zuva rekupa chikwereti chekwereti pamwe chete nemwedzi mumwe chete.
Zvisinei, apo iwe unyoresa kuti uwane ruzivo kubva kune mapurisa matatu emakirini ehurumende, pane kubhadharwa kwemwedzi kwe $ 24.95. Pamusoro pehupoti yemarikiti, nzvimbo yacho inotarisa mharidzo yako zuva rega rega uye kana pane chero kuwanikwa kwechinhu chinonyengera, maziso anotsvaga anotumirwa kwauri kuburikidza ne email nekutumira. Iyo inopawo Zita rekuvhara Inishuwarenzi ye $ 50,000 chete kana nyaya yako ikanganisa. Iyo inewo uhu hwekudzivirira kudzivirira pamutengo we $ 15.95 uye Experian credit tracker pamutengo we $ 1 pavhiki.
Experian
Iyi inzvimbo yepamusoro yekodhi yemasikiti iri muDublin sehova yayo. Mharidzo yechikwereti inobva panzvimbo ino inokubvumira kuti uenzanise nheyo dzakasiyana-siyana dzekwereti dzakabudiswa nehurumende idzi nhatu. Kunyora uye kugadzira kero ne Experian zvinoreva kuti iwe uchapiwa mushure mekuedzwa kwemazuva manomwe mushure mekunge iwe uchazobhadhara pamishumo pamubhadharo kana kubvisa. Mharidzo inobva panzvimbo ino inokupa kukwanisa kuongorora rondedzero yako yemazuva ose, chengetedza kero yako pamusoro pekuzivikanwa kwekudzivirirwa Kuchengetedza uye ona kana pane kukanganisa muhupoti yako pakarepo.
Iko inewo rubatsiro rusununguko rusununguko apo iwe unogona kuita nharo pamusoro pehupoti yako chero nguva.
Identity Guard
Kuva nepurogiramu yeplatinum panzvimbo ino ichakupa iwe kuwanika kune zvitatu zvinokwereta zvikwereti kubva kune zvitatu zvekubhadhara chikwereti. Izvi zvinokupa kuratidza kwakakwana uye kwechokwadi kwokuti iwe unotarisira sei mari pane imwe nguva. Izvi zvinonzi kune imwe nzvimbo yokuti mahofisi ose anoshandisa nzira yakasiyana zvakakwana kana iri pamusoro pokutsunga kwehupoti yemarikiti. Kunze kwehupoti yekwereti, iwe uchave wakachengetedza kubhadhara ushuwarisi hwehupfumi hunobatsira huri hunobudirira kana iwe ukava wekurwa kwekuzivikanwa kwekuziva. Iwe uchazogamuchirawo mazano anokurumidzira chero chero basa rekufungidzira richionekwa. Izvi zvinoshanda kana chero munhu akasiyana achiedza kuwana chikwereti uchishandisa zita rako. Izvo zviyero zvataurwa pamusoro zvinoreva kuti mushumo waunowana ndewechokwadi uye unonyatsoratidza kuti wave uri kuita sei mari.
CreditSesame
Nzvimbo ino inoshanda muhukama hwepedyo neTransunion kupa vanyoresa nekambani yekucherechedza basa pamwe chete nemishumo yemwedzi yakawanda sekuongororwa neTransunion. Iine shanduro yefaira inobatsira nhengo kuti dzifarire kunakidzwa kwekutora mushumo kubva kunyaradzo yefoni yavo. Iine hupfumi hwekuti munhu angavandudza sei chikoro chako chekwereti kana kuti iwe unogona sei kuvakira kana kugadzirisa mararamiro azvino aunazvo. Iwe une rusununguko rwokusarudza pakati pekubhadhara kusingabhadhari kusina ruzivo rwakanyanya pamusoro pehupoti kana kusarudza kuvandudza uye kubhadhara kunyoresa kwemwedzi. Zvinyorwa zvingakubatsira kuti uongorore urovha hwekuzivikanwa, pamwe chete nedzimwe nyaya dzingaitika mumugumo wako.
MyFICO
Ichi ndicho imwe nzvimbo kubva kuFICO, muvambi wekuenzanisa muenzaniso unoshandiswa nehurumende yezvikwereti zvitatu. Inopa hutano hwakasiyana-siyana hwakadai sekukweretesa chikwereti, kubhadhara chikwereti, nekuzivikanwa kwekudzivirira kubatwa. Mushumo wechikwereti kubva kuFICO unotumirwa kwegore negore (mwedzi mitatu) kuti vanhu vakwanise kudzokorora mamiriro avo ezvemari uye kuona kuti vanoiswa sei maererano nekodzero yekubhadhara . Mushandirapamwe wechikwereti wakabudiswa neFICO unobva kumasangano matatu, pamwe nehurumende imwe neimwe ichipa mharidzo yakasiyana, zvichiita kuti iwe uenzanise zvose.
Chinhu chakanaka pamusoro pokuva nemitemo mitatu kubva kune mapurisa matatu ndechokuti vatengesi nevakwereti vanogona kubvunzurudza chero ipi zvayo mitsva inobva kumahofisi ehurumende vasati vawedzera chikwereti kwauri. Izvi zvinoreva kuti kana iwe une mharidzo yose, uchakwanisa kugadzirisa nokukurumidza. Pa $ 29.95 pamwedzi, iwe uchakwanisa kuwana mvumo yako yechikwereti uye kuongorora zvose zvese zvine chokuita nemari yako uye basa rekubhadhara. Ive inewo huzivi hwehutano hwehutengo hunokosha $ 1 000 000 iyo inosanganisira yekucherechedza mabasa ose asina kujairika mubhuku rako, kutumira zvinyengeri kunyeverwa pamwe nekurasikirwa kweruzhinji rubatsiro.
CreditKarma
Iyi imwe nzvimbo yakanaka iyo iwe unogona kuwana nyore nyore chikwereti chako. Nzvimbo iyi inobatanidza neTransunion kukupa ruzivo rwakakwana pamusoro pekwereti yako. Zvikwereti zvikwereti zveKeKeKarma zvinosanganisira; chikwereti chekwereti zvinyorwa kubva kuTransin, kuongorora kwakadzama kweruzivo rwako rwezvemari nezvemarikiti uye mamwe maitiro echikwereti, kuti iwe unotarisira sei mari yako uyewo chikwereti pamwe nekukupa iwe kubhadhara chikwereti chikamu simulator. Nezita iyi, mushumo unobva kuTrUnion zvachose wakasununguka uye unouya nemazano pamusoro pekuti iwe unogona sei kuvandudza chikwereti chako chekwereti uyewo kutakura zvikwereti.
Nzvimbo yacho inonitive uye user-friendly uye inokupa nzira iri nyore yekuona mushumo wako pasina nzira dzakawanda dzokufamba nadzo. Chinhu chimwe chete chinonyanya kuitika kune iyi nzvimbo ndeyokuti inongopa mushumo mumwe chete kubva kune imwe yemasangano uye izvi zvinogona kugadzirisa munhu kuti awane mari yakawanda iyo arimo. Zvisinei, ichiri nzvimbo yakanaka sezvo mashoko anopa njere yekugadzikana kwako kwezvemari.
IdentityForce
Izvi zvakafanana zvakafanana neIidentity Guard uye inopa nhengo itsva mazuva makumi matatu ekuedza kusununguka mushure mekunge musarudzo angasarudza kuregesa kubhadhara kana kusarudza kana $ 13 (ultra-yakachengeteka) kana $ 20 (chikoro chekuchengeteka) chikwereti chinyorwa chekubhadhara pamwedzi. Iko yekare ndiyo inopa zvikwereti zvekuchengetedza zvikwereti apo iyo yekupedzisira inokupa mukana wekutarisa mharidzo yakawanda yekwerekiti inowirirana nekwereti yako chikoro.
Mharidzo yechikwereti inopiwa pashure pemwedzi mitatu (roga roga). Chinhu chakanaka pamusoro pekunyoresa iyi nzvimbo yekubika chikwereti ndechokuti iwe unogona kuenzanisa nhaurwa mitatu yakasiyana kubva kune nzvimbo nhatu uye kana ukaona chero mhaka yekushambadzira kwekuzivikanwa kana kutengeswa kusina mvumo neumwe munhu, iwe unokonzera kambani kamwechete kuitira zviyero zvakakodzera uye kudzivirirwa kutorwa. Pakupedzisira, kukurumidza kunyeverwa kunotumirwa kuburikidza nemagwaro uye emaimeri kana chero basa rekufungidzira richionekwa paakaunti yako. Panewo $ 1 mamiriyoni ekudzivirira bhodhi inshuwarheni kune vatengi.
TransUnion
TransUnion imwe yezvikwereti zvekwereti zvakagadzirirwa nebasa rekupa zvikwereti zvekwereti uye zvikwereti zvekwereti kuvanhu uyewo mabhizinesi . Kunze kwehurongwa, iyo inewo chekuchengetedza zvikwereti zvinoshandiswa kuchengetedza vanyori vose kusvika pane zvichishandurwa mumakero avo emarikiti uye nezvikoro. Sezvo uri nhengo yeTranscription, iwe uchava nekwaniso yekusagadzikana kwehupoti yako yechikwereti uye zvikwereti zvekwereti pamwedzi unobhadharwa kubhadhara. Iwe unogona chaizvo kuvhara kero yako yechikwereti kubva pakuwanika nevevatatu vari kushandisa 1 touch credit lock mumaprofayiri ako. Kana pane chero shanduko mukwereti yako yechikwereti uye chikwata, iwe uchave wakanzwisiswa nefoni uye email.
Chimwe chiitiko chinoita kuti TransUnion imwe yezvakanakisa zvikwereti zvikwereti zvikwereti ndeyokuziva maitiro ako muchikwereti chikoro uchishandisa chikamu chinenge chichiratidzira. Uyezve, iwe unokwanisa chaizvo kuenzanisa uye kufanotaura kuti zvimwe zvimwe zvinhu zvinogona kuchinja sei chikwereti chako uchishandisa chikwereti simulator. Kuti abatsire vanhu vanoita zvakanaka vanofamba nemari yavo, nzvimbo inopa munhu chikwereti uye kukwereta chikwereti kune wese nhengo. Mhando mbiri dzekubhadhara dzinovapo; iyo mari ye $ 995 pamwedzi pamwe ne $ 19.95 pamwedzi. Iyo yekupedzisira ine zvimwe zvinhu zvakaenzaniswa neyaimbova. Zvimwe zvezvinhu zvakakosha zvinosanganisira; kuvhara uye kuzarura chikamu chako chekwereti, kusvika ku $ 1,000,000 ID yekuvhara inshuwarisi, iyo chikamu simulator uye chikwereti uye kuongororwa chikwereti pakati pevamwe.
Equifax
Iyi ndeimwe yezvikwereti zvitatu zvemari muUnited States inofanirwa kugadzirira mharidzo yemarikiti, kuitarisira uye kupa zvikwereti zvekwereti kuongororwa kwevanhu nemabhizimisi. Inobatsira vatengi kuti vawane mitsara yavo kubva kumabhadharo matatu ega kamwe pagore. Inayo yeEquifax yakakwana purogiramu inopa 3 bureau bureau credit report pamwe chete nekugadzirisa chikamu chako chekwereti. Mushumo we 3 bureau unosunungurwa gore negore kunyange zvazvo vanyori vachiri kukwanisa kuwana mharidzo yavo neEquifax nekunyora ku Complete Complete kana Credit Report uye Chikamu.
Mharidzo yakakwana inokubvumira kupinda kune mahofisi 3 ehurumende ye $ 39.95. Kune avo vanoda kutarisa mitsara yavo kakawanda, kune mwedzi mitatu yepakati inotora $ 99.95. Kunze kwemishumo, Equifax inopawo kubhadhara inshuwarisi yehupfumi yepamusoro ye $ 25,000 chete kana iwe uchinge wave wekurwa kweAIDS. Pamusoro peiyo, unogona kugara uine ruzivo pane chero basa rinofungidzirwa ringadai riri kuitika muakaunti yako nekutsvaga foni uye ma email zvinyatsoratidziro zvebasa rekushandisa. Izvo chete zvisingabatsiri neEricifax ndeyokuti kana iwe uchida repoti yebazi 3 nguva dzose, iwe unofanirwa kubhadhara mari yakawanda zvimwe iwe uchazofanira kugadzirisa mushumo wegore rega rega.
Chirongwa chakanaka chechikwereti chine ruzivo rese pamusoro pekuita kwako mari yekusungirirwa kunokosha zvikuru pose paunenge uchitsvaga chikwereti kana chero imwe yemhando yechikwereti. Mahofisi matatu chete chete anosungirwa kuburitsa mushumo uyu kunyange zvazvo hofisi imwe neimwe inoshandisa mitemo yakasiyana-siyana kuti iuye nezvikoro zvako. Iko nguva dzose inokurudzirwa kunyoresa nevose mahofisi ekuenzanisira zvinangwa nokuti mhinduro imwe neimwe yakasiyana. Nzvimbo dzakarongwa pano dzakabatana nemumwe chete, mbiri kana dzose dzemahofisi matatu kuitira kuti vape nhengo dzavo nezvikwereti zvekwereti.