QUESTION: Å©·¹µ÷ ºä·Î(Credit Bureau)´Â °ø°ø±â°üÀΰ¡¿ä? ¾Æ´Ï¸é »ç±â¾÷Àΰ¡¿ä? °ø°ø±â°üÀ̶ó¸é Å©·¹µ÷ Á¤º¸¸¦ ±³Á¤ÇÏ´Â °ÍÀÌ ºÒ°¡´ÉÇÒ °Í °°Àºµ¥¿ä. ±× Á¤È®ÇÑ Á¤Ã¼¿Í Á¸¸³ ¸ñÀûÀ» ¾Ë°í ½Í¾î¿ä.
ANSWER: °³°³ÀÎÀÇ °æÁ¦È°µ¿Àº ¹°·Ð, ¶§·Î´Â ¸í¿îÀ» °áÁ¤Çϱ⵵ ÇÏ´Â Å©·¹µ÷ºä·Î(Credit Bureau)´Â 3°÷(Major Credit Bureau= Experian, Equifax, Trans Union)ÀÌ Á¸ÀçÇÕ´Ï´Ù. ÀÌ Å©·¹µ÷ºä·Î´Â °ø°ø±â°üÀϱî¿ä? õ¸¸¿¡ ¸»¾¸ÀÔ´Ï´Ù. °ø°ø±â°üÀ¸·Î ÀνÄÇÏ´Â ºÐµéÀÌ ÀûÁö ¾ÊÁö¸¸, ¼ÓÀ» µé¿©´Ùº¸¸é öÀúÇÏ°Ô ÀÌÀ±À» Ãß±¸ÇÏ´Â 100% »ç±â¾÷ÀÔ´Ï´Ù. Å©·¹µ÷ ºä·ÎÀÇ Á¸¸³ ¸ñÀûÀº ¸» ±×´ë·Î ¡°µ·À» ¹ö´Â °Í¡¯ÀÔ´Ï´Ù. ¾ö¹ÐÇÏ°Ô µûÁöÀÚ¸é, ¹ýÀÎüÀÇ °ñ°ÝÀº ¿ì¸®°¡ ÁÖº¯¿¡¼ ÈçÈ÷ º¼ ¼öÀÖ´Â ¼öÆÛ¸¶Äϰú ´Ù¸¦ °ÍÀÌ ¾ø½À´Ï´Ù.
±×·³¿¡µµ ¿ì¸®µéÀÇ Å©·¹µ÷ Ȱµ¿À» ½Ã½ÃÄÝÄÝ ¸®Æ÷Æ®ÇÏ¸é¼ ¡®Àú½Â»çÀÚ¡¯Ã³·³ ±º¸²Çϱ⵵ ÇÕ´Ï´Ù. Å©·¹µ÷ ºä·Î 3°÷ Áß¿¡¼ ExperianÀÇ º»»ç°¡ ¿µ±¹ Àα٠IrelandÀÇ ¼öµµÀÎ Dublin¿¡ À§Ä¡Çϰí ÀÖ´Ù´Â Á¡Àº ³î¶ø±âµµ ÇÕ´Ï´Ù.
¸Å¿ì °øÀûÀÎ ¾÷¹«¸¦ ÇÏÁö¸¸ Ȱµ¿ÀÇ ¸ñÀûÀº ÀÌÀ± Ãß±¸ÀÎ »ç±â¾÷. À̶§¹®¿¡ ¿¬¹æÁ¤ºÎ·ÎºÎÅÍ °·ÂÇÑ ±ÔÁ¦¸¦ ¹Þ½À´Ï´Ù. Å©·¹µ÷ ºä·ÎÀÇ ¸ðµç ¾÷¹« ÁøÇàÀº ¡®Fair Credit Reporting Act¡¯ ¶ó´Â ¿¬¹æ¹ý ±ÔÁ¤¿¡ µû¶ó 100% ÇÕ¹ýÀûÀ̾î¾ß ÇÕ´Ï´Ù. ¸ðµç À̵éÀº ÀÌ ¹ý±ÔÁ¤¿¡ µû¶ó ÀÚ½ÅÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ¿Ã¶ó°¡ ÀÖ´Â °³º° case¿¡ ´ëÇØ Ŭ·¹ÀÓ(Dispute)À» ÇÒ ¼öÀÖ½À´Ï´Ù. ±× case°¡ ¿Ç´ø ±×¸£´ø »ó°ü¾øÀÌ Å¬·¹ÀÓÀÌ °¡´ÉÇÕ´Ï´Ù. Å©·¹µ÷ ºä·Î´Â Ŭ·¹ÀÓÀÌ Á¢¼öµÇ¸é ÇØ´ç case¿¡ ´ëÇÑ ÀçÁ¶»ç(Reinvestigation)À» °ÅÃļ ÇØ´çÀÚ¿¡°Ô °á°ú¸¦ Åëº¸ÇØ¾ß ÇÕ´Ï´Ù. Åë»ó ¿ìÆíÀ» ÅëÇØ º¸³»¿À´Â ±× °á°ú¹°¿¡´Â ¡®ÇØ´ç case¸¦ »èÁ¦Çß´Ù¡¯ ¶Ç´Â ¡®¸Â´Â ³»¿ëÀÌ´Ù¡¯µîÀÇ ÀÚ¼¼ÇÑ ³»¿ëÀÌ µé¾î°¡ ÀÖ½À´Ï´Ù.
±×·±µ¥, °ú¿¬ Å©·¹µ÷ºä·Î´Â ¸ðµç ¾÷¹«¸¦ 100% ÇÕ¹ýÀûÀ¸·Î ÁøÇàÇÒ ¼öÀÖÀ»±î¿ä? Å©·¹µ÷ºä·Î°¡ ÇÏ·ç¿¡ Á¢¼öÇϴ Ŭ·¹ÀÓ °Ç¼ö´Â 1¸¸~2¸¸°Ç¿¡ ´ÞÇÕ´Ï´Ù. ¸Å´Þ »èÁ¦, ¾÷µ¥ÀÌÆ®µÇ´Â °Ç¼ö´Â 50¾ï°ÇÀÌ ³Ñ½À´Ï´Ù. ±×·¸Áö¸¸, ÀÌ ¸ðµç Ŭ·¹ÀÓÀ» ¡®¼÷·ÃµÈ Á÷¿ø¡¯ÀÌ Ã³¸®ÇØ¾ß Çϰí Ŭ·¹ÀÓ¿¡ ´ëÀÀÇÏ´Â °á°ú¹°¿¡¼ ¼ýÀÚ°¡ ´ÜÇϳª¶óµµ Ʋ¸®Áö ¾Ê¾Æ¾ß ÇÕ´Ï´Ù. ¸¸ÀÏ ÀÌ ³»¿ëµé°ú ¹æ¹ýµéÀÌ 0.001%¶óµµ ÇÕ¹ýÀûÀÌÁö ¾Ê°Å³ª »ç½Ç°ú ´Ù¸£´Ù¸é ÇØ´ç case´Â ´ç»çÀÚÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¿¡¼ »èÁ¦ÇØ¾ß ÇÕ´Ï´Ù. Å©·¹µ÷ ±³Á¤Àº Å©·¹µ÷ ºä·Î°¡ ¾È°í ÀÖ´Â À̰°Àº Çö½ÇÀû ÇѰ迡¼ Ãâ¹ßÇÕ´Ï´Ù.
*À̸ÞÀÏ À» Áֽøé Å©·¹µ÷ ±³Á¤ Ä®·³ ½Ã¸®Á ¸ðµÎ º¸³»µå¸³´Ï´Ù.
¹«·á»ó´ã 516-574-2577 / 718-878-3313
200 Garden City Plaza #200, Garden City, NY 11530
163-28 Northern Blvd #2D, Flushing, NY 11358
**This article is not a legal advice and cannot be used for that purpose. This was made only to provide credit-related information.**
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