Nā mea kōkua no ka hoʻomākaukauʻana no kahiʻike hope no kahi hana hou
ʻOiai ma kahiʻoi akuʻoe ma ka māheleʻoihana, hiki i ka maʻalahi ke hoʻopoina i kahi glitz hana mua (a iʻole ke kuhi pilikino) e hoʻolei iāʻoe i kahi kukuiʻino.
ʻO ka mea nui loa,ʻaʻoleʻoe e kali a hiki i ka wā ma waenakonu o kahi hulina hana e hoʻomākaukau ai no kahiʻike hope.
Pehea e hoʻomākaukau ai no kahi hanaʻikeʻike
I ka ninaninauʻana no kahiʻoihana, ponoʻoe e pane i nā nīnau e pili ana i kāu loiloi loiloi, kāu leka uila, a me nā mea a me nā kūlana a ka haku hana e noʻonoʻo pono ai. ʻOiai ināʻaʻole kēia mau mea e hana i ka weheʻana o ka hana,'ōlelo lākou i keʻano o konaʻano.
E noʻonoʻo i nā mea a pau e pili ana i ka wā e hoʻomākaukau ai no kāuʻike hope:
Ka hōʻike hōʻike. E kiʻi i kahi kope o kāu hōʻike kālā. Hiki iāʻoe ke kauoha i kope kope o kāu hōʻike hōʻike kālā mai kēlā me kēia o nāʻekolu bureaus nui (e like me, Equifax, Experian, a TransUnion) no kēlā me kēia makahiki āu e manaʻo ai he kūpono. Inā loaʻa nāʻike hewa (hiki ke loaʻa), e pale i kēia me ka mea nāna i'ai'ē e hōʻoki i kou inoa.
Ka Waihona Kuleana. ʻO kekahi mau māheleʻaʻole eʻae i nā nīnau e pili ana i ka hopuʻana a iʻole ka'ahewaʻana ma mua aʻe o kahi helu i nā mea i hala.
ʻO nāʻokoʻa'ē aʻe eʻae wale i ka nānāʻana i nā poʻe pilikino no kekahi mau kūlana (e like me nā hana ma ka pūʻulu kālā a iʻole e hana pū me nā keiki). Eia keʻano o ka hopena o ka moʻolelo koʻikoʻi i kāuʻikeʻoihana .
Hoʻopuka pūnaewele. E hoʻopaʻa i kāu moʻolelo kaʻa kaʻa ma ke noiʻana i kope o kāu moʻolelo mai ka moku'āina o nā moku kaʻa kaʻa.
Hiki paha iāʻoe ke nānā hou aku i kāu hōʻike pūnaewele ma ka pūnaewele DMV. Inā loaʻa iāʻoe kahi moʻolelo o ka hana hewa a me ke ninaninauʻoe no kahi hana kahi e pono ai kahi laikini, e mākaukau e pane i nā nīnau e pili ana i kāu hōʻike hoʻoili.
Ka Mea Hana Pūnaewele. ʻAʻohe kānāwai aupuni e pale ana i nāʻike a ka mea hana i hiki ke hōʻike e pili ana i nā mea hana mua. E noi i nā mea hana i mua o kāu kope no nā kope o kāu mauʻoihana limahana a nīnau i nā mea āu i haʻi ai e pili ana iāʻoe. Eia kaʻike e pili ana i ka mea e hiki ai i nā limahana ke'ōlelo aku e pili ana iāʻoe .
Ike ko oukou mea e pono ai. I ka wā e hana ai nā limahana i kāuʻike (me ka loiloi, ka hewa, a me ka hana i hala ma mua) inā hoʻohana lākou i kahiʻaoʻao'ē aʻe, ua uhiʻia kaʻike e ka Fair Credit Reporting Ac (FCRA). Mālama ka FCRA i kahiʻike hope ma keʻano he lālā kūʻai. Ma mua o ka loaʻaʻana o ka loiloi kālā no ka hoʻohanaʻana i ka hana, pono iā lākou e hoʻomaopopo iāʻoe ma ke kākauʻana a loaʻa kāu palapala i kākauʻia.
Mākaʻikaʻiʻikeʻike
Nāʻike a me nā hōʻike hōʻoia hana , me kaʻikeʻole i nāʻike o ka poʻe hana hana, a hikiʻole keʻike, e pili ana i nā mea noi limahana a me nā limahana.
ʻO ke kānāwai hana
Eia nāʻike e pili ana i nā mea e pono aiʻoe eʻike e pili ana i ke kānāwai o kaʻoihana ke huliʻoe i ka hana a iʻole iāʻoe e lilo i kāu hana, e like me ka uku, nā hōkeʻe kumu, nāʻano hana hana, ka nele i ka hana, a me nāʻike'ē aʻe.
Manaʻo Manaʻoʻia: He aha kahiʻikeʻikeʻike hana?