Vashandi vari kuwedzera kushandura chikwereti chekuongorora kune avo vanoita basa uye vachishandisa ruzivo irworwo kuti vashandise mazano.
Sangano reHuman Society Management Management (SHRM) rinotsanangura kuti 60% yevashandi vanowana mitsara yekwereti kune avo vakakumbira kune vamwe kana nzvimbo dzose. Kazhinji kacho, vashandi vanoshandisa zvikwereti zvekweretheni kune avo vanoita mabasa anoshanda nemari. Semuenzaniso, mabasa anoda kuvanzika uye kuvimbika kwemari (kusanganisira zvipo mubhengi, kuverenga, uye kubhadhara) zvingada kuti zvikwereti zviongorore. Nzira yakanakisisa yokugadzirira basa rechikwereti chekuongorora ndeyekuziva zviri mune imwe.
Chii chiri (uye hachisi) Inosanganisira Employment Credit Check
Basa rechikwereti chekuongorora ndechimwe chezvakawanda zvekushandiswa kwemashure . Vashandi vanowanzoshandisa kambani yechitatu kuvapa kuti vawane basa rechikwere chekuongorora basa rinoitwa. Ichi cheko chekwereti chizoguma nebasa rechikwereti report. Mushumo unosanganisira kuzivisa ruzivo, kusanganisira zita rako, kero, mazita apfuura uye marenda, uye nhamba yezvokuchengetedzwa kwevanhu .
Inoratidzawo chikwereti chawakaita, kusanganisira chikwereti chikwereti chikwereti, chikwereti nemari yemari, chikwereti nemamwe chikwereti, uye nhoroondo yako yekubhadhara yezvikwereti uye zvikwereti - kusanganisira kubhadhara nguva.
Zvisinei, pane humwe ruzivo rusingawanikwi mubhuku rekodzero yemabasa. Semuenzaniso, zuva rako rokuberekwa haritauri pamushumo.
Iyo hainawo kusanganisira yako chikwereti chikamu.
Mitemo Inorambidza Cheko Cheko
Iko Fair Credit Reporting Act (FCRA) chikamu chemitemo yehurumende inoisa mitemo yebasa kuongorora, kusanganisira chikwereti chekuongorora. Hezvino zvinhu zvishoma izvo vashandi vanofanira kuita (kana kuti havafaniri kuita) pavanenge vachiongorora chechikwereti kune mushandi anogona kana mushandi wezvino:
Uyo mushandi anofanira kuwana chibvumirano chako chakanyorwa. Usati waunoshandira achiita chekiti chekuongorora chikwereti pamusoro pako, iye anofanira kukuzivisa iwe nekunyora uye kuwana mvumo yako yakanyorwa. Kana iwe usingabvumi kutora chikwereti, mushandirwi angapfuurira mberi nehurukuro yemubvunzurudzo, asi iye kanawo angaramba zvakare kushanda kwako pakarepo.
Mushumo haugoni kuisa ruzivo rwekare. Kazhinji, gwaro rekwereti harigoni kuisa ruzivo rwakashata pamusoro pako rwunova nemakore manomwe (kana kupfuura). Izvo hazvikwanisi kusanganisira kubhadharwa kwemashoko anopfuura makore gumi.
Kune mitemo yakapoteredza bankruptcy mashoko. Maererano ne FCRA, haugoni kusarurwa nekuda kwekuti iwe wakatumira kubhadhara. Zvisinei, kubhadhara zvikwereti zvepachena, saka zviri nyore kune vashandi kuwana ruzivo.
Iwe unofanirwa kuudzwa kana iyo inoshandiswa inopesana newe. Kana uyo waanoshandira asingakupi iwe nekuda kwehupfumi, iye anofanira kukuudza izvi.
Mushandi wacho anofanira kukupawo ruzivo rwekutsvaga kune wechitatu sangano rinoshandiswa kuwana mari yako yeruzhinji.
Iwe unogona kuona zviri mumushumo. Iwe une kodzero yekugamuchira kopi yemukana wako wekwereti pasina. Iwe unofanirwawo kusunungurwa mushumo chero nguva iyo mharidzo inoshandiswa kukurwisa iwe nemushandi.
Iwe unogona kupikisa ruzivo. Kana iwe ukaona mharidzo uye ukaona kuti haina kururama, iwe unogona kukakavadza ruzivo. Heano humwe humwe ruzivo rwekugona kukakavadzana zvikanganiso mumitambo yemarikiti.
Mimwe mitemo yehurumende yakasiyana. Vamwe vanoti vane mitemo inorambidza kana inorambidza basa rechikwere chekuongorora. Tarisa nehurumende yehurumende yebasa rako kana iwe uchida kuziva mitemo yemunharaunda pamusoro pekwereti chekwereti.
Nzira Yokugadzirira Sei Kuongorora Mari?
Nzira yakanakisisa yokugadzirira cheko chekwereti ndeyokutora kopi yemukana wako wekwereti nekukurumidza.
Nenzira iyi, unogona kutarisa chero nyaya kana zvikanganiso, uye unopokana navo vasati vaona vashandi.
Iwe une kodzero yepamutemo kune imwe kopi yakasununguka yeripoti yako yechikwereti gore roga roga kubva kune imwe neimwe yezvikamu zvitatu zvemakambani ekubika zvikwereti. Heano humwe humwe ruzivo rwekuti ungawana sei mari yako yekwereti yepachena.
Kana iwe uchiziva kuti cheko chekwereti ichaita kuti dzimwe nyaya dzisinganzwisisike, iri pfungwa yakanaka yekuvatarisana mberi. Kana waunoshandira achikumbira chibvumirano chako chekutarisa cheki, unofanira kufanangurira sechinyatso uye nekuvimbika sezvinobvira zvavanowana, uye zvawakaita kugadzirisa mamiriro acho ezvinhu.
Kunyanya kana iwe wakapfuura munguva yekushaikwa kwebasa, kana zvimwe zvimwe zvinetso zvemari - izvo zvakawanda isu tinezvo - mutariri wemukana anogona kukwanisa kupa mhosva yekupa basa pasinei nezvavanowana mune yako yakapfuura.