Kule sub-reddit, "sinomthetho #1"ongabhalwanga owukukhokhela ikhadi lakho ngokugcwele nangesikhathi. Uma lowo kuwumthetho #1, lokhu kufanele kube umthetho #0: **Imibiko yakho yezikweletu kufanele igcinwe ifriziwe, futhi "incibilikisiwe"noma "iphakanyiswe"kuphela njengoba kudingeka** (okungukuthi lapho ufaka isicelo sekhadi lesikweletu elisha, imalimboleko yemoto, ukuqashwa kwamafulethi, njll.).
Kulolu suku, ikakhulukazi ngemva [kokuphulwa kwedatha ye-Equifax ka-2017](https://en.wikipedia.org/wiki/2017_Equifax_data_breach), kufanele ucabange ukuthi othile uthole noma angathola kalula inombolo yakho yezokuphepha komphakathi kanye nolwazi lomuntu siqu olufanele. , abangavula ngayo ikhadi lesikweletu noma enye i-akhawunti yesikweletu egameni lakho.
Akubizi lutho ukumisa imibiko yakho yesikweletu, noma "ukuphakamisa"iqhwa usuku noma ezimbili njengoba kudingeka uma ufuna ukufaka isicelo sekhadi lesikweletu elisha noma into efanayo. Ukuphazamiseka okuncane okuthatha imizuzu embalwa yesikhathi sakho, futhi kungakusindisa ekhanda elikhulu, elishintsha impilo.
Amakhasi afanelekile okufaka iqhwa kuma-credit bureaus "ama-big 3"(lawo asetshenziswa uma ufaka isicelo samakhadi esikweletu):
https://www.equifax.com/personal/credit-report-services/credit-freeze/
https://www.experian.com/freeze/center.html
https://www.transunion.com/credit-freeze
Isici "esikhohlisayo"kakhulu kulokhu ukwenza isiqiniseko sokuthi **awulahlekelwa ulwazi olufanele** (okungukuthi, amagama ayimfihlo) adingekayo ukuze ulawule ukufriza. Uma ungasebenzisi isiphathi sephasiwedi, ngincoma kakhulu ukuthi uqale. Sebenzisa amaphasiwedi akhiqizwe ngokungahleliwe ku-credit bureau ngayinye. Ungasebenzisi ukwahluka kwephasiwedi ongayikhumbula. Akufanele ngempela wabelane nanoma imaphi kulawa maphasiwedi nanoma ubani -- **okuhlanganisa namalungu omndeni** (kunezimo zabazali abavula amakhadi esikweletu egameni lengane yabo futhi baqongelele izikweletu ezinkulu). Uma othile omethembayo efuna ukukusiza ngokukwenzela isicelo esisha sekhadi lesikweletu, angakutshela, "ungaphakamisa"okokuqandisa uwedwa, ngemva kwalokho aqhubeke nesicelo. Ungalandelela ukuthi bawavule yini ama-akhawunti abathi bazowavula ngokubheka imibiko yakho yezikweletu mahhala (kanye njalo ezinyangeni eziyi-12).
https://consumer.ftc.gov/articles/free-credit-reports
Angiyena uchwepheshe wezikweletu futhi ngeke ngiphendule imibuzo engezansi, kodwa lesi sihloko sinabasebenzisi abanolwazi kakhulu ngethemba lokuthi bangaphendula imibuzo futhi banikeze ezinye izeluleko ezinhle zokukusiza ukukugcina uphephile, njengamathuluzi amahhala okuqapha isikweletu.
Ukwengeza, bona okuthi r/Credit kanye ne-r/PersonalFinance, okuhlanganisa izixhumanisi kumabha azo aseceleni anezinsiza ezinhle kakhulu (ezibonakala kusetshenziswa isiphequluli sewebhu sedeskithophu).
Hlela: Uhlu olugcwele lwezikhungo zezikweletu (eziyisi-8 sezizonke) zingatholakala kubha eseceleni ye-r/Credit (ebonakala ngokubuka kwesiphequluli sedeskithophu). Ngiphakamisa ukuthi ziqaliswe zonke. I-Chex ivamise ukusetshenziswa uma uvula ama-akhawunti asebhange, ngakho-ke zilungiselele ukuphakamisa isikhashana ku-Chex uma ufaka isicelo se-akhawunti yokuhlola noma yokonga.
Kulelo nothi, [amanye amabhange adonsa kanzima kwenye yezikhungo ezinkulu ezi-3 ukuze nje avule i-akhawunti yediphozi](https://www.doctorofcredit.com/bank-accounts/is-opening-a-bank-account-a -soft-or-hard-pull/), okubaluleke kakhulu kubasebenzisi abavamile lapha abangase bakhathazeke ngemibuzo yekhredithi ethinta amathuba amasha okugunyazwa kwekhadi. Ukumiswa kwemibiko yakho kusho ukuthi ngeke uthole uphenyo olungalindelekile (isivikelo *ongasitholi* ngokubika ngesikweletu samahhala).
Uma udinga umphathi wephasiwedi ngincoma kakhulu *BITWARDEN* noma LastPass
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