Credit Freeze Lockout Mu kiseera ky’okusaba omusingo mu bwangu, looni y’emmotoka, oba omuzigo¶

Okuteeka security freeze ku fayiro zo ez’ebbanja oluvannyuma lw’okumenya data oba okulumba abantu ku mikutu gya yintaneeti n’okubba endagamuntu ekintu ekyaliwo kye ngabo esinga amaanyi mu mateeka ku looni ezitakkirizibwa, naye ate kireeta embeera ey’amangu ey’ebyensimbi erimu situleesi ey’amaanyi ng’otudde ku diiru y’emmotoka ku Lwomukaaga akawungeezi, ng’ovuganya ku ssaawa 24 ez’okusiba omuwendo gw’omusingo n’okuwandiisa nsalesale, oba ng’ovuganya ku liizi y’omuzigo n’ozuula nti okusika kw’ebbanja kw’omuwozi kwamala kulemererwa n’ekintu ekiyitibwa "Frozen File / No Credit File Ensobi ezzeemu". Ekisinga obubi, obukadde n’obukadde bw’abaguzi abaaziyiza ebbanja lyabwe emyaka egiyise bakizuula mu kiseera ky’okuggalawo looni mu bwangu nti baafiirwa olupapula lwabwe olw’edda olwa digito 10 Freeze PIN, baakyusa ennamba y’essimu eyali esibiddwa ku kukakasa kwabwe okw’ensonga bbiri (2FA), oba balina okusiba okw’okuna oba okw’okutaano okukwekebwa ku ChexSystems, Innovis, oba NCTUE kwe kugamba mu kasirise okuzibira akawunti yaabwe mu bbanka oba okuteekawo ebyuma ebikozesebwa mu bulamu obwa bulijjo.

Mu mateeka ga federo mu Amerika (15 U.S.C. § 1681c-1, Etteeka ly’okuloopa ebbanja ery’obwenkanya nga bwe lyakyusibwa mu tteeka erikwata ku nkulaakulana y’ebyenfuna, obuyambi obulung’amya, n’okukuuma abakozesa), ebitongole ebikola lipoota ku kwewola mu ggwanga lyonna mu mateeka birina okuggyawo envumbo y’ebyokwerinda mu ssaawa 1 (era mu nkola mu ddakiika 2 ku 15) nga ossaayo okusaba ku yintaneeti oba ku ssimu, ku bwereere ddala. Bw’oba nga freeze yo yava ku kubba densite z’omusolo, era weetegereze obufere bw’okuddiza omusolo mu bubbi bw’endagamuntu ne IRS IP PIN; singa akawunti ya bbanka y’okutereka ssente ezibiddwa, laba okuggalwa kwa akawunti ya bbanka mu bwangu n’okuteekebwa ku lukalala lwa ChexSystems; era bw’oba oyolekedde emivuyo gy’ebyensimbi egy’amaanyi ng’omuntu ali ku ssimu akutendeka okusumulula ebbanja lyo mu kiseera kino, ssaako essimu mangu okebere emivuyo gya zaabu n’abaweereza ssente oba kuba ku nnamba yo ey’amangu mu kitundu kyo (laba yaffe ennamba z’amangu dayirekita).

Kino kikole kati¶

1. Buuza omukungu avunaanyizibwa ku looni, maneja w’ebyensimbi by’emmotoka, oba agenti wa liizi KIKI ekituufu eky’ebbanja (s) enkola yaabwe gy’esika: Weewonye obudde ng’obuuza oba basika bureau emu (okugeza, Experian yokka ku looni y’emmotoka oba TransUnion ResidentScore ku muzigo) oba alipoota ya tri-merge (ebitongole byonna ebisatu ku musingi gw’amayumba).
2. TOYOONA ssaawa ng’onoonya ennyumba yo PIN ya Freeze ey’empapula enkadde: Equifax, Experian, ne TransUnion balina PIN z’empapula eziwummudde ezikakatako eri abakozesa yintaneeti. Kati osobola okusitula freeze mu ddakiika ezitakka wansi wa ttaano ng’oyingira (oba okuddamu okuteekawo) akawunti yo ku yintaneeti ku my.equifax.com, . experian.com/freeze, era service.transunion.com nga bakozesa ebibuuzo ebikyukakyuka mu kukakasa endagamuntu.
3. Bulijjo londa "Temporary Lift / Scheduled Thaw" ng'erina essaawa 48 okutuuka ku 72 mu kifo kya "Permanent Removal": Okusaanuuka okw'ekiseera okutegekeddwa kuddamu okusiba fayiro yo ey'ebbanja mu ngeri ey'otoma ku lunaku lw'enkomerero lw'olonda, okukakasa nti tewerabira kusiba bbanja lyo kudda waggulu oluvannyuma lw'ebbanja okuggalwa.
4. Kakasa nti ositula "Security Freeze" okusinga okusasula okusumulula "Credit Lock" ey'ettunzi (oba vice versa): Singa dashboard yo ku yintaneeti egamba nti fayiro yo "Unfrozen" naye omuwozi akyafuna ensobi ya block, kebera oba emabegako weewandiisa mu app y'okuwandiika esasulwa nga Experian CreditLock, TransUnion TrueIdentity, oba Equifax Lock & Alert, ekozesa switch ya toggle eyawukana okuva ku FCRA Security Freeze esangibwa mu mateeka.
5. Linda eddakiika 5 ku 15 oluvannyuma lw'okufuna screen y'okukakasa nga tonnasaba muwozi kunyiga "Re-Pull Credit": Nga bureau databases zitereeza kumpi mu kaseera ako, mortgage tri-merge aggregators (nga CoreLogic Credco, MeridianLink, oba Factual Data) cache error responses okumala eddakiika eziwera. Saba omuwozi aggulewo okusaba okusika okupya okusinga okuzza obuggya tikiti y’ensobi enkadde.
6. Singa omuti gw'essimu ogw'obwengula oba omukutu gwa yintaneeti gugaana endagamuntu yo kubanga ennamba y'essimu yo yakyuka, saba omuwozi w'omusingo oba omusuubuzi w'emmotoka okufulumya "Single-Use Lender Passcode" oba conference-call the bureau's manual verification desk: Weekenneenye emitendera emituufu egy'okuyita ku keypad y'essimu wansi okutuuka ku mukugu mu live bureau oba kozesa okukakasa okulala.

Omuti gw'okusalawo: okusumulula fayiro y'ebbanja efumbiddwa mu kiseera ky'okusaba okw'amangu¶

Goberera enkola eno ey’okukebera okugogola bbulooka ya lipoota y’ebbanja efuuse bbugumu mu ddakiika ezitasukka 15 okusinziira ku kika ky’okusaba n’okulemererwa okuyingira.

flowchart TD
    Start["Omuwozi, Omusuubuzi w’Emmotoka, oba Landiroodi Aloopa ‘Fayiro y’Ebbanja Eziyiziddwa / Tesobola Kusika Lipoota’."] --> IdentifyPull{"1. Kika ki eky’okukozesa ekizibiddwa?"}
    IdentifyPull -->|"A. Omusingo gw’amayumba (Fannie Mae / Freddie Mac / FHA / VA) ."| TriMerge["Must Thaw All 3 Nationwide Bureaus: Equifax, Experian, NE TransUnion (Plus Innovis singa esabibwa Omuwandiisi w’Ensimbi)"]
    IdentifyPull -->|"B. Ebbanja ly’emmotoka, Kaadi y’okuwola, Ebbanja ly’omuntu, oba Liizi y’omuzigo"| AskBureau["Buuza Finance Manager oba Leasing Agent Bureau Ki Entuufu gye Bakozesa (Often Single-Bureau Pull)"]
    IdentifyPull -->|"C. Okuggulawo akawunti empya ey’okukebera/okutereka oba CD"| ChexCheck["Thaw ChexSystems (chexsystems.com) ERA Buuza oba Bank Nayo Soft-Pulls Experian/Equifax/Okulabula nga bukyali"]
    TriMerge --> AccessTest{"2. Osobola okuyingira ku mukutu gwa bureau ku mukutu gwo ogwa ssimu oba kompyuta mu kiseera kino?"}
    AskBureau --> AccessTest
    AccessTest -->|"Yee: Yayingira bulungi"| CheckLockType{"3. Omukutu gulaga ‘Security Freeze’ ekola oba ‘Credit Lock’ ey’ettunzi?"}
    AccessTest -->|"Nedda: Yabula password, email enkadde, yakyusizza ennamba ya mobile 2FA, oba PIN eyabula"| PhoneIVR["Kozesa Bureau Automated Telephone Thaw Line (Addamu Ebibuuzo 4 Ebyafaayo by’Ebbanja Ebitali mu Wallet Nga Tekyetaagisa kiwandiiko kya 2FA)"]
    CheckLockType -->|"Ebyokwerinda Biyimiridde"| SetTempThaw["Londa 'Situla Freeze okumala akaseera'; Teeka Olunaku lw’Okutandika = Leero n’Olunaku lw’Okumaliriza = Ennaku 3 okutuuka ku 7 Okuva Leero; Waayo"]
    CheckLockType -->|"Bombi oba Commercial Lock"| UnlockApp["Toggle Off Bombi Statutory Freeze NE Ekizibiti Kyonna eky'Ebyobusuubuzi (Experian CreditLock / Equifax Lock & Alert)"]
    PhoneIVR --> IVRPass{"4. Enkola y’essimu ey’obwengula yakakasa endagamuntu yo ng’eyita mu bibuuzo ebikwata ku byafaayo by’ebbanja?"}
    IVRPass -->|"Yee"| SetTempThaw
    IVRPass -->|"Nedda: IVR y’essimu eremereddwa oba essiddwaako bendera okwekenneenya mu ngalo"| LiveEscalation["Kuba essimu ya Bureau Live Freeze Omukugu Layini; Buuza Omuwozi w’Omusingo/Omuwozi w’Emmotoka oba Bawagira Experian One-Time Access Code; Linda 15 Mins & Ddamu Okusika"]
    SetTempThaw --> WaitRePull["Linda Eddakiika 5 ku 15; Laga Omuwozi w’Ebbanja Akole Okusaba Okusika Ebbanja Okupya (Not a Cached Refresh)"]
    UnlockApp --> WaitRePull

Dayirekita y’okusaanuuka okw’amangu obutereevu: Equifax, Experian, TransUnion, ChexSystems, ne Innovis¶

Bw’oba oyimiridde ku counter oba ng’ovuganya ku ssaawa eggalawo, tonoonya Google nnamba za ssimu za kitongole ekiwola ssente, kubanga ebiva mu kunoonya eby’oku ntikko bitera okutaataaganyizibwa n’ebirango ebisasulwa ebiddaabiriza ebbanja oba emikutu gy’okubba. Kozesa emmeeza eno ekakasiddwa ey'okuyingira obutereevu.

Okugonjoola ebizibu mu mutendera ku mutendera ng’oggaddwa ku akawunti yo eya bureau¶

Ensonga esinga okuleetera okusaanuuka kw’ebbanja okw’eddakiika 5 okufuuka ekizibu eky’ennaku eziwera ye okuggala kw’okukakasa: wakola akawunti yo eya bureau emyaka etaano egiyise ng’okozesa endagiriro ya email y’omulimu gy’otokyalina, wafuna ennamba y’essimu empya kale ekiwandiiko ekikakasa ensonga bbiri (2FA) ne kigenda eri omuntu gw’otomanyi, oba wafiirwa PIN yo ey’olupapula olw’edda. Laba engeri gy’oyinza okuyita ku buli kiziyiza mu mateeka era mu bwangu.

Ekizibu 1: Wafiirwa Freeze PIN yo eya digito 4, digito 6, oba digito 10¶

Nga etteeka lya federo erya free-freeze terinnatandika kukola mu September 2018, buli kitongole ekiwola ssente kyaweereza ebbaluwa ey’omubiri ng’eriko PIN ey’ennamba ey’ekyama era n’egaana okusumulula lipoota yo nga tolina. Leero, teweetaaga PIN yo ey'empapula enkadde ku bitongole byonna ebisatu ebiwola ssente mu ggwanga lyonna: 1. Ku Equifax (my.equifax.com): Nywa ku Sign In (oba Create an Account singa waziba ku ssimu/mail emyaka gyokka egiyise). Bw’omala okuyingira mu dashiboodi ya myEquifax, genda ku Equifax Credit Report -> Manage a Freeze. Osobola okuteekawo enteekateeka y’okusaanuuka okw’ekiseera oba okuggyawo enkalakkalira ng’onyiga emirundi ebiri, era tewali PIN esabibwa. 2. Ku TransUnion (service.transunion.com): Yingira mu TransUnion Service Center (oba nyweza Create Account ng’okozesa ennamba yo eya Social Security n’endagiriro yo eriwo kati). Enkola bw’emala okukakasa endagamuntu yo ng’ekozesa Knowledge-Based Authentication (KBA), erimu ebibuuzo bina eby’okulondako ebingi ebiggiddwa mu loan zo ez’emmotoka eziyise, emisingo, oba endagiriro, nyweza ku Freeze tab n’onyiga Temporarily Lift Freeze. 3. Ku Experian (experian.com/freeze): Yingira mu akawunti yo eya Experian member ey'obwereere era okyuse freeze yo wansi wa Security Freeze. Bw'oba toyagala kuyingira n'okukozesa foomu eyeetongodde eya "Manage Security Freeze", nyweza ku link esoma "Saba PIN yo oba funa okujjukiza": Experian ejja kubuuza ebibuuzo bina ebikwata ku credit-history eby'okulondako ebingi era eraga PIN yo ku screen amangu ddala.

Ekizibu 2: Ennamba yo ey’essimu oba email yakyuka, n’eziyiza okuyingira kwa 2FA ku mukutu¶

Singa omukutu gwa yintaneeti gwagala okuweereza koodi y’okukakasa eya digito 6 ku nnamba y’essimu gye wakutulako emyaka ebiri egiyise, lekera awo okugezaako okuyingira ku mukutu, kubanga okulemererwa okuyingira ku mukutu enfunda eziwera kireeta omuggalo ogw’essaawa 24 ogw’okulwanyisa obufere. Wabula, kyusa mangu ku Automated Telephone (IVR) Freeze Line: - Lwaki layini y’essimu ekola ng’omukutu gulemereddwa: Enkola z’amasimu ezikola mu ngeri ey’obwengula ku Equifax (1-888-298-0045), Experian (1-888-397-3742), ne TransUnion (1-800-916-8800) te zeetaaga kuyingira ku ndagiriro yo eya email enkadde. - Engeri y'okuyisaamu ekibuuzo kya KBA eky'essimu mu buyonjo: - Kuba ng’oli mu kisenge ekisirifu era okozese ekisumuluzo ky’essimu yo okusinga okutegeera eddoboozi olwo amaloboozi ag’emabega munda mu dduuka ly’emmotoka oba bbanka galeme kuleeta kusoma bubi. - Kopi ya sitatimenti y’ebbanja gye buvuddeko oba app yo eya bbanka eggule mu maaso go. Eddoboozi erya otomatiki lijja kubuuza Ebibuuzo ebiva mu Wallet 3 ku 4, gamba nga: "Mu 2021, waggulawo looni y'emmotoka. Ku bawola ssente bano wammanga ani gwe yali nayo? Nywa 1 ku Ally Financial, Press 2 ku Toyota Motor Credit..." ne "Okusasula ki ekibalirirwamu buli mwezi ku musingi gwo? Nywa 1 ku $1,800 okutuuka ku $1,900..." oba "Nywa 5 ku Tewali ku Bino Waggulu." - Akakodyo akakulu eri "None of the Above": Kumpi buli bureau KBA quiz erimu waakiri ekibuuzo ky'akakodyo kimu nga tofunangako looni eyo oba nga tobeerangako ku luguudo olwo. Toteebereza bbanka ya random singa tewali n’emu ewulikika ng’omanyi; Nywa 5 ("None of the Above") n'obwesige. - Bw'omala okuyisa ebibuuzo 4 ku ssimu, londa "Temporarily lift your security freeze for a specific date range," ssaamu olunaku lwa leero (MM/DD/YYYY) n’olunaku lw’okuggwaako ennaku 3 okutuuka ku 7 okuva leero, era owandiike ennamba y’okukakasa eyogeddwako.

Ekizibu 3: Omukutu gwa yintaneeti NE ekibuuzo ky’essimu eky’obwengula byombi biremererwa (Name Suffix, Address Mismatch, oba Fraud Alert)¶

Bw’oba wasenguka gye buvuddeko, ng’olina enkomerero y’omulembe (Jr., Sr., III) oba erinnya ery’enkomerero eririko ennyiriri, oba ng’olina 7-Year Extended Fraud Victim Alert ekola ku fayiro yo, omukutu n’omuti gw’essimu ogw’obwengula byombi biyinza okugaana okukukakasa ne bigamba nti: "Tetusobola kukola ku kusaba kwo mu byuma bikalimagezi; nsaba oweereze kkopi za pamiti yo eya ddereeva n’ebikozesebwa bill." Ekizibiti ky'omuwendo gw'omusingo oba okugula mmotoka bwe kiggwaako leero, okuweereza ebbaluwa etwala ennaku 10 ez'omulimu si kyakukola. Kozesa enkola zino essatu ez’amangu:

1. Saba Link y'okuteeka ebiwandiiko ku byuma bikalimagezi okuva eri omukugu mu Live Freeze:
2. Kuba ku layini ya bureau ey’obuyambi obutereevu (Equifax 1-888-378-4329, Omumanyirivu 1-888-397-3742, Ekitongole kya TransUnion 1-800-916-8800), amawulire 0 oba gamba "Yogera ne agenti ku bikwata ku muggalo gw'omusingo ogw'amangu ogw'okuggalawo freeze."
3. Saba omukugu asindikire Secure One-Time Mobile Document Upload Link ku kkamera yo eya ssimu ey’omu ngalo (osobole okukuba ekifaananyi ekiramu eky’omu maaso n’emabega wa pamiti yo ne sitatimenti ya bbanka oba ssente z’ebikozesebwa ng’oli ku ssimu) OBA buuza oba basobola okukukyusa okudda ku Special Handling / Executive Consumer Relations Desk okukakasa mu bigambo.
4. Kozesa "Single-Use Lender Passcode" (Koodi z'abawozi ba Experian & TransUnion):
5. Experian ne TransUnion zombi zikusobozesa okukola One-Time Creditor Access Passcode (ku Experian, eyitibwa Single-Use PIN okuwa omuwozi omu). Ne bwe kiba nti okusaanuuka kw’olunaku (date-range thaw) kuzibuwalira, okuwa koodi eno ey’ennukuta n’ennamba butereevu eri omukungu wo ow’okuwola oba omukutu gw’okukebera emizigo kisobozesa pulogulaamu yaabwe okufumita firiigi okumala okusika omulundi gumu nga tosumuludde lipoota yo eri omuntu omulala yenna.
6. Saba Omuwandiisi w’Ensimbi oba Dayirekita w’Ensimbi z’Emmotoka Okujjako Biro Bibiri oba Biro emu:
7. Ebbanja ly'emmotoka, kaadi z'okuwola, n'emizigo: Singa Experian esibiddwa mu loopu y'okukakasa etasobola kulongoosebwa leero, saba Finance & Insurance (F&I) Director w'omusuubuzi w'emmotoka oba Credit Analyst Recon Line w'oyo agaba kaadi z'okuwola okusika TransUnion oba Equifax mu kifo ky'ekyo. Kumpi buli prime auto lender (Chase Auto, Capital One, Bank of America, credit union, ne manufacturer captive lenders) ekwataganye ne bureau zonsatule era esobola okukyusa automated underwriting pull yaabwe okudda ku emu ku bureau ebbiri ze wasaanuusa obulungi mu sikonda 30.
8. Emisingo gy’okusula: Wadde nga looni eza bulijjo eza Fannie Mae (Desktop Underwriter / DU) ne Freddie Mac (Loan Product Advisor / LPA) mu mutindo zisaba lipoota y’okugatta emirundi esatu, yingini z’okuwandiika mu ngeri ey’obwengula zisobola mu mateeka okufulumya Approve/Eligible ekizuuliddwa nga zikozesa **alipoota ya bureau bbiri ezigatta (bi-merge) singa emu eba efugiddwa era eyeewoze awa omuwozi olukusa okugenda mu maaso ku bitongole ebibiri ebitali binywevu, kasita ebibikka ku bamusigansimbi omuwozi bikkiriza. Saba omukungu wo akola ku by'okuwola ssente z'omusingo akebere ku Credit Vendor Desk yaabwe mu bwangu.

Lwaki omuwozi wo akyalaba "Frozen" nga omaze okugisaanuusa (n'engeri y'okutereezaamu emitego 4 egyakwekeddwa)¶

Ebintu bitono ebikunyiiza okusinga okutunula butunuzi ku screen y'essimu yo ng'olaga "Equifax: Unfrozen, Experian: Unfrozen, TransUnion: Unfrozen" ate nga omukungu avunaanyizibwa ku looni emitala w'emmeeza akulaga screen ya kompyuta yaabwe ng'esoma "ERROR: FILE FROZEN." Kino bwe kibaawo, omu ku mitego gino ena egy'ekikugu gwe musango:

Omutego 1: Wasumulula "Security Freeze," naye olina "Credit Lock" ekola (oba vice versa) .¶

Ebitongole byonna ebisatu biwa ebintu bibiri eby’enjawulo ddala ebikola ekintu kye kimu ddala mu database: - Security Freeze: Ekizibiti eky’obwereere, ekifugibwa gavumenti eya wakati eragiddwa mu tteeka erifuga ebbanja erya Fair Credit Reporting Act (FCRA). - Credit Lock: Ekyuma ekikyusa, ekyesigamiziddwa ku app ekigatta wamu n’obwammemba obw’obwereere oba obusasulwa obw’okulondoola ebbanja (Experian CreditWorks / CreditLock, TransUnion TrueIdentity, Equifax Lock & Alert). - Ekizibu: Singa oggulawo... myEquifax omukutu gwa yintaneeti, gulaga embeera yo eya Security Freeze (Unfrozen). te okuggyako otomatika kkufulu ya Lock & Alert gye wateeka mu app y'essimu ya Equifax emyaka esatu egiyise. Okwawukana ku ekyo, okukyusakyusa Experian CreditLock munda mu app tekisitula Security Freeze eri mu mateeka. Kebera zombi menu ya Freeze ne menu ya Lock munda mu portal ya buli bureau.

Omutego 2: Omutunzi w’Ebbanja ly’Omuwozi w’Omusingo Azzaayo Okulemererwa Okutereka¶

Abawola ssente z’emisingo n’abasuubuzi b’emmotoka tebatera kuyungibwa butereevu ku Equifax, Experian, ne TransUnion. Mu kifo ky’ekyo, bakozesa omuntu ow’okusatu Omutunzi / Omukung’aanya w’okukola lipoota ku kwewola (nga CoreLogic Credco, Factual Data, Birchwood, Xactus, oba MeridianLink). - Omukungu avunaanyizibwa ku looni bwe yanyiga "Pull Credit" ku ssaawa 10:00 ez'oku makya nga fayiro yo ekyali mu bbugumu, omutunzi yakola a File Reference Number erimu eky’okuddamu ekifuuse bbugumu ekya zero-score. - Oluvannyuma lw'okusaanuusa ebbanja lyo ku ssaawa 10:10 ez'oku makya, singa omukungu avunaanyizibwa ku kwewola amala kunyiga "Re-issue / Refresh" ku ekyo kye kimu File Reference Number, seva y’omutunzi emala kuddamu kutikka fayiro eterekeddwa ku ssaawa 10:00 AM frozen okukekkereza ssente ku bisale bya bureau. - Ekitereeza: Buulira omukungu wo ow'ebbanja: "Linda eddakiika 10 ezijjuvu oluvannyuma lw'okukakasa kwange okusaanuuka, n'oluvannyuma olagirire pulogulaamu yo ey'ebbanja okulagira New Inquiry / Supplement Pull okuva mu kitongole okusinga okuddamu okulaga ennamba y'ebbanja eriwo."

Omutego 3: Omuwola Munno oba Munno Akyalina Bureau EMU Frozen¶

Ku musingi ogw’awamu, looni y’emmotoka ey’awamu, oba okusaba kw’omuzigo ogw’awamu, singa Omwewozi A asaanuusa bureau zonsatule ate Omuwozi B n’asaanuusa Experian ne TransUnion naye ne yeerabira okusaanuusa Equifax, okusika kwonna okw’ebbanja okw’awamu kuzzaayo koodi y’ensobi etali ntuufu/efuuse bbugumu. Kakasa fayiro zonna omukaaga (3 bureaus × 2 abasaba) kinnoomu.

Omutego 4: Okuziyira kwa Bureau ey’okuna okukwekebwa (Innovis, ChexSystems, Okulabula nga bukyali, oba NCTUE)¶

• Okuggalawo emisingo: Abawozi b’emisingo abakulu abawerako n’enkola z’okukebera emivuyo gya Fannie Mae/Freddie Mac baggya lipoota y’ebbanja ey’okuna okuva mu Innovis (innovis.com, . 1-866-712-4546) nga tonnaggalawo kusembayo (mu kiseera ky’okukebera okulondoola ebbanja eritali lyamanyisibwa nga tebannaggalawo).
• Bank accounts & Credit Unions: Bwoba weegatta ku credit union okufuna auto loan oba okuggulawo bank account, basika ChexSystems (chexsystems.com, . 1-800-887-7652).
• Cell phones & Utilities: Bw’oba ​​osasula ssente za iPhone/Android empya mu dduuka eritunda mmotoka oba ng’oteekawo amasannyalaze mu muzigo omupya, enkola eno esika National Consumer Telecom & Utilities Exchange (NCTUE) (1-866-343-2821).

Omutego 5: Okusirika kw’abantu abato oba abatalina busobozi okukuumibwa (Abali wansi w’emyaka 16 oba okukuza) .¶

Singa wateeka Protected Consumer Security Freeze ku fayiro y’ebbanja ly’omwana wo ng’akyali mwana muto (abali wansi w’emyaka 16 mu Amerika) era nga kati balina emyaka 18 era nga basaba looni y’abayizi esooka, liizi y’omuzigo, oba looni y’emmotoka, omukutu gw’abantu abakulu ogwa bulijjo (myEquifax, . Experian, . TransUnion) ejja kutera okubalemesa okukola akawunti kubanga ennamba yaabwe eya Social Security ekyateekebwako bendera nga fayiro entono eriko kkufulu. Okugogola freeze entono oluvannyuma lw’omwana okuweza emyaka 16 oba 18, omuvubuka omukulu (oba omuzadde) alina okuteeka kkopi y’omuvubuka omukulu Birth Certificate, Social Security Card, ne State Driver’s License ng’ayita mu bureau’s Protected Consumer Upload Portal oba okusaba live supervisor transition okuva ku Minor Freeze okudda ku Standard Adult Account.

Ennamba z’amangu mu bitundu n’enkola z’okuyimiriza ebbanja¶

Ebibuuzo ebitera okubuuzibwa¶

Singa nfiiriddwa PIN y’empapula eya digito 10 Equifax, Experian, oba TransUnion gye bampa emyaka egiyise bwe nnassaako ebbanja lyange, nsibidde mu kulinda mail ya posta?¶

Nedda. Osobola okukola oba okuyingira mu akawunti yo ey’obwereere ku my.equifax.com, experian.com/freeze, ne service.transunion.com ng’okozesa ennamba yo eya Social Security, olunaku lw’amazaalibwa, n’ebibuuzo bina eby’okulondako ebingi ebiggiddwa mu byafaayo byo eby’ebbanja (nga okutuuma amannya g’omuwozi wo ow’emmotoka oba ensasula y’omusingo), n’oluvannyuma n’ositula freeze yo okumala akaseera mu ddakiika ezitasukka ttaano nga teweetaaga PIN yo enkadde.

Nga mmaze bbanga ki nga mmaze okusumulula ebbanja lyange ku yintaneeti oyo eyawola omusingo, omusuubuzi w’emmotoka, oba landiroodi asobola okuddamu okukola lipoota yange ey’ebbanja?¶

Mu mateeka ga federo wansi w’etteeka erifuga ebbanja ery’obwenkanya, ebitongole birina essaawa emu okukola ku kusaba okusaanuuka ku yintaneeti oba ku ssimu, naye mu nkola ey’ensi entuufu database etereeza mu ddakiika 2 ku 10. Naye, olina okulinda eddakiika 10 ku 15 ezijjuvu nga tonnasaba oyo akuwola ssente okuddamu okusika ebbanja lyo, era olina okulagira omukungu avunaanyizibwa ku kwewola okuleeta okubuuza okupya ennyo okusinga okunyiga "Refresh" ku kusika okulemererwa, kubanga pulogulaamu y'omuntu ow'okusatu esika ebbanja etereka eby'okuddamu by'ensobi ebifuuse bbugumu okumala eddakiika eziwerako.

Nlonda "Temporarily Lift Freeze" (Thaw) oba "Okuggyawo Freeze Enkalakkalira"?¶

Bulijjo londa "Temporarily Lift Freeze" (era eyitibwa scheduled date-range thaw) era oteekewo olunaku lw'okutandika olwaleero n'olunaku lw'okuggwaako okumala ennaku 3 ku 7 mu maaso (oba buuza omuwozi w'omusingo ddi okuzza obuggya ebbanja lyabwe erisembayo nga tebannaggalawo). Bw’okozesa ekyuma ekisaanuuka okumala akaseera, kompyuta y’ekitongole ekiwola ssente eddaamu okusiba fayiro yo ey’ebbanja mu ttumbi ku lunaku lw’okuggwaako, n’olwekyo tolina kujjukira kuddamu kuyingira n’okuddamu okutereka lipoota zo oluvannyuma lw’okubeera ku situleesi y’okugula mmotoka oba okuggala ennyumba.

Lwaki omuwandiisi wange ow’omusingo yeetaaga okusumulula ebbanja lyange omulundi ogw’OKUBIRI ng’olunaku lw’okuggalawo terunnatuuka?¶

Bw’osaba omusingo, oyo akuwola akusika ebbanja lyo ku lunaku olusooka okukkiriza looni yo. Naye, ennaku 3 ku 5 nga tonnassa mukono ku mpapula ezisembayo ez'okuggalawo ( mu ngeri entuufu Olunaku 30 okutuuka ku Lunaku 45), Fannie Mae, Freddie Mac, ne FHA/VA amateeka agafuga omutindo galagira omuwozi okuddukanya "Undisclosed Debt Monitoring" oba "Pre-Closing Credit Refresh" okukakasa nti tewafuluma n'osasula ssente za $60,000 pickup truck oba max out credit cards nga mu escrow. Singa okusaanuuka kwo okw’ekiseera kwaggwaako ku lunaku olw’omusanvu, tegeeza omukungu wo akola ku by’okuwola osobole okuteekawo enteekateeka y’okusaanuuka okw’okubiri okw’essaawa 48 nga tonnafuna lukusa lw’okuwandiika olusembayo.

Ekitongole ekisolooza ssente, bbanka ya kaadi z’ebbanja gye nnina kati, oba omukozesa asobola okukebera ebbanja lyange nga liri ku bbugumu?¶

Abawozi abaliwo b’olina edda akawunti enzigule nabo, abasolooza amabanja abakola ku lw’omuwozi aliwo, ebitongole bya gavumenti ebituukiriza ebiragiro bya kkooti, ​​ne pulogulaamu zo ez’obuntu ezilondoola ebbanja bakyasobola okuyingira mu fayiro yo ng’okuziyiza eby’okwerinda kukola. Kyokka, omuwozi yenna omupya, omusuubuzi w’emmotoka, agaba kaadi z’okuwola, kkampuni ekola ku by’amasannyalaze, oba landiroodi, awamu n’omukozesa yenna akola okukebera ebyafaayo by’ebbanja nga tannakozesebwa, ajja kuzibikira ddala okutuusa ng’otegese okusaanuuka okw’ekiseera.

Ebiragiro ebikwatagana nabyo¶

• Akawunti ya bbanka okuggalwa mu bwangu, ChexSystems okuteekebwa ku lukalala lw’abaddugavu, n’okuyingira mu bbanka ey’omukisa ogw’okubiri
• Okulonda obulumbaganyi ku mikutu gya yintaneeti n’okubba endagamuntu
• Obufere bw’okuddiza omusolo ku bubbi bw’endagamuntu, IRS IP PIN, n’okuwandiika fayiro za W-2/1099 ez’obulimba
• Ekiwandiiko ky’okutwala ebintu, okugumiikiriza omusingo, n’okukendeeza ku kufiirwa
• Emivuyo gy’okuwandiika ebicupuli mu kupangisa n’obukuumi bw’okulaba emizigo

Ensonda n’obulagirizi obutongole¶

• Akakiiko k’ebyobusuubuzi aka Federo (FTC, United States): Ebbanja ly’okusiba n’okulabula ku mivuyo: Engeri y’okuteeka, okusitula okumala akaseera, n’okuggyawo ebiziyiza eby’okwerinda mu mateeka ga Federo.
• Ekitongole ekikuuma ensimbi z’abakozesa (CFPB, Amerika): Etteeka ly’okukola lipoota ku kwewola mu bwenkanya (15 U.S.C. § 1681c-1) Ebiragiro by’okuyimiriza eby’okwerinda mu ggwanga lyonna, etteeka ly’okusaanuuka mu byuma bikalimagezi okumala essaawa emu, n’enkola z’okulinnyisa okwemulugunya kw’abakozesa.
• Equifax, Experian, TransUnion, ChexSystems, ne Innovis Ebiwandiiko ebitongole ebiyamba abakozesa: Okuddukanya okuziyiza obukuumi ku mutimbagano, okukakasa okwesigamiziddwa ku kumanya (KBA), n’enkola za Passcode z’abawozi ezikozesebwa omulundi gumu.
• Fannie Mae (Selling Guide B3-5.2-01) ne Freddie Mac (Single-Family Seller/Servicer Guide): Ebyetaagisa mu lipoota y’ebbanja, Amateeka agakwata ku kuwandiika mu nkola ya Frozen Credit Bureau, n’okulondoola ebbanja eritamanyiddwa.
• Ekitongole ky’abakozesa eby’ensimbi ekya Canada (FCAC), ofiisi ya kaminsona w’amawulire mu Bungereza (ICO), ne ofiisi ya kaminsona w’amawulire mu Australia (OAIC): Okusiba fayiro y’ebbanja mu nsi yonna, okuwera ebbanja, n’okulangirira omutindo gw’okutereeza.