9 Iinkonzo eziBalaseleyo zokuBekwa kweliso kwiTyala: Uyijonga njani iMboleko yakho kwi2021

Bendlela

• Iingxelo zonyaka zekhredithi
• Isilingo sasimahla esifumaneka ngokubhaliswa komntu wesithathu

Ngaba ufuna inkonzo eneempawu ezizodwa, ezinokuthenjwa? Ke uLifeLock unokulunga ukuzama. Ukusuka ekubekweni esweni kwewebhu emnyama ukuya kwizilumkiso ezinokubakho kwisongelo kunye namanqaku etyala ngenyanga, lo mboneleli unokukwenza ukuba uhlale uphambi kwamasela esazisi.

Inkampani ibonelela ngezicwangciso ezintathu, ngamaxabiso ajikelezayo phakathi kwe- $ 11.99 kunye ne- $ 34.99 ngenyanga. Ufumana ukonwabela ukuphola ngama-25% kunyaka wakho wokuqala, nangona oko kunokukunceda ugcine i $$$. Kwaye ngelixa isicwangciso esisezantsi sinika iingxelo zekhredithi kuphela kwi-bureau enye, elona cebo liphezulu linikezela ukufikelela kwiingxelo ezivela kuwo omathathu amaziko agcina inkcazelo ngeentengo zemboleko.

I-Lifelock iya kubuyisa nayiphi na imali ebiweyo (ukusuka kwi- $ 25,000 ukuya kwi- $ 1 yezigidi, ngokusekwe kwisicwangciso sobulungu bakho) ngenxa yobusela besazisi. Bayakubuyisa nemali yakho ukuba, nangasiphi na isizathu, awonelisekanga yiyo nantoni na.

Lo mboneleli unetyala leentsuku ezingama-30 zokuncoma, kananjalo, kuphela xa kubhaliswa umntu wesithathu.

Iimpawu zokuma zeLifeLock zibandakanya:

• Ukubuyiselwa kwemali ebiwe Ngaba ubuyiselwe imali yakho (ukuya kuthi ga kwi-1 yezigidi) ukuba ulahlekile ngenxa yobusela besazisi.

• Ukulungisa ukubiwa kwesazisi: Ukuba iphazamisekile, fumana ukuba isazisi sakho silungiswe ziingcali.

• Isiqinisekiso sokubuyela imali: Buyisela umrhumo wobulungu bakho xa uthe, nangasiphi na isizathu, ungoneliseki yiyo nantoni na kwiintsuku zokuqala ezingama-60 uyisebenzisile. Ifumaneka kuphela kwizicwangciso zonyaka.

• Ukuya kuthi ga kwi-25% isaphulelo kunyaka wokuqala: Yonwabela isaphulelo sama-25% kwisicwangciso sakho sokuqala sonyaka.

Ukuba ujonga inkonzo yokujonga ngetyala ngeempawu ezinokuthenjwa, unokufuna ukujonga ngaphezulu kweLifeLock.

Bendlela

• Ukukhutshwa kwesazisi somntwana akubandakanywanga
• Akukho silingo sasimahla sikhoyo

IsazisiForce sinikezela konke okubandakanya ukukhuselwa kwesazisi kunye nenkonzo yokubeka iliso kwityala ngokwimo ye-UltraSecure + yephakheji yetyala. Ijonga ulwazi lwakho kuluhlu lweenkonzo kunye neesayithi. Ikwabandakanya ukuvavanywa kweendaba ezentlalo kwi-Twitter, kwi-Instagram nakwi-Facebook.

Isicwangciso esisiseko se-UltraSecure sibiza i-9.99 yeedola inyanga nenyanga, ngelixa + isicwangciso seTyala sibiza i-17.99 yeedola ngenyanga. Bhatala unyaka wonke ngentlawulo enye kwaye ufumane iinyanga ezimbini zasimahla.

Ezinye zezinto eziphambili ezinikezelwa nge-IdentityForce zibandakanya:

Bendlela

• Iingxelo zonyaka zamatyala kuphela
• Akukho zixhobo ezithile zokukhusela ikhompyuter

Isazisi sinika abathengi izicwangciso ezithathu kuye nabani na ofuna ukugcina iithebhu kwiifayile zabo zetyala. Inkonzo yokubeka iliso ibonelela ngazo zontathu izikhundla zokubeka iliso kumatyala, kwaye kukho ukhetho lomntu ngamnye kunye nosapho.

Bendlela

• Ayifumaneki kuwo onke amazwe ase-US
• Akukho sicwangciso sosapho sikhoyo

Imfihlo yabucala yinkonzo yokubeka iliso kwisiphelo somthengi, kodwa ngesizathu esivakalayo. Unokulindela ukugubungela okuhle okubandakanya izilumkiso ezivela kumaziko amathathu aphambili etyala, iingxelo zenyanga, kunye nokuhlaziywa kwamanqaku etyala.

Izicwangciso ezintathu ziyafumaneka, kwaye kukho isibonelelo esikhethekileyo esikuvumela ukuba uzame inkonzo yeentsuku ezili-14, nge- $ 1 kuphela. Emva koko, uya kuba nokukhetha ukukhetha iphakheji elungele iimfuno zakho ezizodwa zekhredithi. Iipakeji ziqala nge- $ 9.99 yesembozo esisisiseko: Esona sicwangciso sibiza kakhulu sixabisa i-24.99 yeedola rhoqo ngenyanga.

Iimpawu eziphezulu ezinikezelwa yiGuardGuard zibandakanya:

• Ukubeka iliso kukhuseleko lwesazisi : Le nkonzo ibeka iliso kwezinye iindawo apho umntu anokufumana khona iziqinisekiso zakho, ezinje ngeengxelo zommelwane kunye neerekhodi zoluntu.
• Iimpawu ezongezelelekileyo eziluncedo Izinto ezongezelelekileyo zibandakanya indawo ebhalisiweyo yabaphuli-mthetho, ukuncitshiswa kokunikezelwa kwangaphambili kwekhadi letyala, ukubuyiselwa kweerekhodi zonyango, uncedo lokuhamba ngexesha likaxakeka, ukhuseleko lwelahleko nolwebileyo.
• Inkqubo yokhuseleko yedijithali yabasebenzisi be-iPhone Inkqubo inikezela ngesikhangeli esikhuselekileyo sokuzikhusela kubuqhetseba kunye nekhibhodi ekhuselekileyo ekhusela kwi-malware.

I-PrivacyGuard ilungele umntu ofuna okungaphezulu kunenkonzo esisiseko yokubeka iliso kwityala. Awuyi kufumana uninzi lweempawu ezongezelelweyo naphina.

Bendlela

• Mabini kuphela kwamathathu amaziko amatyala
• Akukho zikhetho zihlawulelweyo nge-inshurensi yobusela

Ikhredithi Karma ikwanceda ukukhusela kukophulwa kwedatha. Inkampani ikwabonelela ngemali mboleko yobuqu kwi-intanethi, uphononongo lwekhadi letyala, kunye nolunye uluhlu lweenkonzo zemali.

I-Karma yeKhredithi ayinazo zonke iintsimbi kunye neempempe zeenkonzo zokujonga ngetyala ezihlawulelweyo, kodwa yenye yezona nkonzo zibalaseleyo zokubeka esweni ngetyala kwaye inezinto ezithile eziluncedo. Umzekelo:

• Ukuhlaziywa kwamanqaku rhoqo ngetyala VantageScore 3.0 uhlaziyo lwalo lonke ungeno olwenzayo.
• Jonga amanqaku akho mahala Unokubeka esweni amanqaku akho eengxelo ngetyala le-Equifax kunye neTransUnion.
• Impazamo zempikiswano ngqo : Awudingi ukushiya isiza ukuphikisana neempazamo zeTransUnion.

Ukuba uhlahlo-lwabiwo mali luxinene kwaye awukwazi ukolula kwinkcitho yenkonzo ehlawulelweyo, iCredit Karma ibonelela ngephakheji esisiseko eya kuthi incede ukugcina ukhuselekile.

Bendlela

• Izixhobo zokhuseleko lwekhompyuter azifakwanga
• Inkxaso yomthengi ayifumaneki 24/7

Ukuba ujonga inkonzo ekunceda ukuba ujonge ikhredithi yakho, i-Experian IdentityWorks yenye yokuqwalaselwa lusapho luphela. Ezi zicwangciso zimbini zifikelela kubantu abadala ababini kunye nabantwana abalishumi. Amaxabiso aqala kwi- $ 9.99 ye-IdentityWorks Plus kunye ne- $ 19.99 yesicwangciso sePremiyamu. Ungaqala nokuba ucwangcise simahla kwiintsuku ezingama-30.

Zombini ezi zicwangciso zibandakanya ukutshintsha kwedilesi kunye nenombolo yokhuseleko lwentlalontle, ukubeka esweni iwebhu emnyama, kunye ne-inshurensi yobusela. Isimbozo sifikelela kwi- $ 500,000 yezicwangciso ze-Plus kunye ne- $ 1,000,000 yabathengi bePremiyamu.

Bendlela

• Izicwangciso zosapho zinokubiza kakhulu

Uninzi lweenkonzo zokubeka esweni kolu luhlu zisebenzisa into eyaziwa ngokuba ngamanqaku emfundo. Le nkonzo isebenzisa amanqaku akho e-FICO endaweni yoko, yiyo loo nto ababolekisi kunye neebhanki zisebenzisa ukuba ufuna ukufaka isicelo sekhredithi. Le nkonzo isebenzisa amaziko amathathu okubeka iliso kumanqaku akho etyala.

Imirhumo iqala kwi- $ 29.95 ngenyanga, kodwa kukwakho nesicwangciso seNkulumbuso esixabisa i-10 yeedola rhoqo ngenyanga okanye isicwangciso sosapho esibiza i- $ 49.95.

Amanqaku aliqela enza le nkonzo ibonakale. Ziquka:

Bendlela

• Kusebenza kuphela kwiingxelo zeTransUnion

I-TransUnion, enye yezona zinto zintathu zisetyenziswa ngokuxhaphakileyo ngetyala, iqhuba le nkonzo, kwaye ikuvumela ukuba ufikelele kumanqaku akho inani elingenamda lamaxesha. Ikwazisa kwakhona ukuba kukho naluphi na utshintsho olubalulekileyo kwikhredithi yakho okanye ulwazi lwakho ngetyala. Olu tshintsho lunokubandakanya ukuvulwa kweakhawunti ngegama lakho okanye utshintsho kwidilesi.

Ufumana ukubekwa kweliso ngenyanga kwityala elinxulumene neengxelo zakho zetyala kunye namanqaku emboleko kwiziko lakho. Kukho isicwangciso esinye kuphela, kwaye iindleko zincinci ngaphantsi kwe- $ 25 inyanga nenyanga. Ngelo xabiso, uya kufumana ukufikelela okungenamkhawulo kuwo omabini amanqaku akho kunye nengxelo, ngohlaziyo lokujonga ngetyala mihla le, ukufikelela ngokungenamda kwiingcali zobusela be-ID, nokunye okuninzi.

Zeziphi izinto eziluncedo kule nkonzo? Nantsi eminye imizekelo:

• Uluhlu olongezelelweyo lokhuselo lobusela be-ID : I-inshurensi yobusela be-ID yesazisi kunye nokubeka iliso ngokuqhubekayo ngelixa i-Credit Lock ikuvumela ukuba unciphise ukuba ngubani onakho ukufikelela kwingxelo yakho yeTransUnion.
• Izilumkiso kwangoko Ngalo lonke ixesha umntu ebuza ingxelo yekhredithi egameni lakho, le nkonzo ikuthumelela i-imeyile.
• Inkonzo ye-TrueIdentity Premium isimahla : Inika ukhuseleko olongezelelweyo ngaphandle kweendleko ezongezelelweyo.

Ukuba ufuna ukunciphisa umda wokubekwa kweliso kwiarhente yamanqaku emboleko enye, inokuba yinkonzo elungileyo kuwe.

Bendlela

• Unokujonga kuphela iingxelo zekhredithi rhoqo ngonyaka
• Amanqaku ahlaziywa kuphela ngonyaka

Iithegi zamaxabiso aphezulu zinokoyikisa abanye abantu, kodwa akunjalo ngokhuseleko olubanzi olunikezelwa yi-ID epheleleyo. Inxalenye yamava kodwa iyafumaneka kuphela kumalungu eCostco Wholesale Club.

Olu khetho lwexabiso eliphantsi lubonelela ngokhuselo lwesazisi kunye nezixhobo zokubeka esweni. Ezi zixhobo zibandakanya ukubeka esweni amaziko amathathu etyala, izilumkiso ngetyala, ukhuseleko kwinombolo yoKhuseleko lwezeNtlalontle, i-inshurensi yobusela ye-ID eyi-1 yezigidi, kunye nokujongwa kwewebhu emnyama. Kukho neqela lenkxaso le-24/7 elizinze e-US.

Iimpawu ezenza ukuba le nkonzo ivelele zibandakanya:

• 24/7 inkxaso Ungabiza iqela lenkxaso nanini na emini okanye ebusuku ngemibuzo yakho okanye uxele izehlo zobusela.
• Igubungela zonke iziseko ngexabiso elifanelekileyo Ukubeka iliso ekusetyenzisweni okungagunyaziswanga kwesazisi sakho, ukuskenwa kolwazi lolwaphulo-mthetho, kunye nokuskena iwebhu emnyama zizinto nje ezithile.
• I-inshurensi eyi-1 yezigidi Ungayisebenzisa le nto ukuhlawula iifizi zomthetho, umvuzo olahlekileyo, kunye nawo nawuphi na omnye umonakalo ngaphandle kokutsalwa.

Esona sikhokelo sokuBekwa kweliso kwiKhredithi / ii-FAQs

Ukuba umtsha kwiinkonzo zokujonga ngetyala, unokuziva ukoyikeka kancinci. Akuqhelekanga ukuba nemibuzo ethile, kwaye ihlala ilungile ukuba ufumana iimpendulo kwangaphambili. Nantsi eminye imibuzo ephendulwa ngokukunceda.

Usebenza njani ukuJongwa kweKhredithi?

Iinkampani zokujonga ngetyala zigcina iso lakho lisondele kwiifayile zengxelo yakho yamatyala. Ukuba babona umsebenzi kwezi fayile, baya kukwazisa. Ufumana ithuba lokujonga lo msebenzi kwaye uqonde ukuba bubuqhetseba okanye sisiphumo sesenzo osithathileyo.

Zeziphi ezinye iiNkonzo ezibonelelwa phantsi koHlolo lweeKhredithi?

Abanye ababoneleli ngetyala lokubonelela banikezela ngeenkonzo ezongezelelweyo ecaleni kokulandela umkhondo obanzi wemisebenzi yakho yamatyala. Ezi nkonzo zinokubandakanya ukujonga amanqaku ngetyala, ukubonelela ngengcebiso ngamanqaku okuthenga ngetyala, ukuphikisa ubuqhetseba, kunye nokugubungela i-inshurensi ngokuchasene nobusela besazisi.

Ixabisa malini indleko zokubeka ityala?

Iindleko zokujonga ngetyala ziyahluka ngokuxhomekeka kwinkonzo oyikhethileyo. Ezinye iinkonzo zisimahla. Ukubeka iliso okuhlawulelweyo, kwelinye icala, kunokubiza naphi na ukusuka kwi- $ 8 ukuya kwi- $ 50.

Ngaba ukuHlolwa kweKhredithi kufanelekile ukuHlawula?

Ukuba isazisi sakho sele sibiwe okanye usemngciphekweni omkhulu woko kwenzekayo, ukuhlawulela inkonzo kufanelekile. Ezinye iinkampani zibonelela ngeliso lemihla ngemihla ukuze ujonge nakuphi na ukungangqinelani.

Ukuhlawulela umntu ukugcina umkhondo wekhredithi yakho kufanelekile ukuba awunalo nexesha lokwenza ngokwakho kunokuba kukuchitha ixesha. Amanqaku ongezelelweyo okuninzi kwezi nkonzo nawo enza ukuba kulungele ukuhlawulwa.

Ngaba iinkonzo zokuHlolwa kwamaTyala zaSimahla zilungile?

Kukho indawo yeenkonzo zokujonga ngetyala zasimahla. Iinkonzo ezinjalo, nangona kunjalo, zinemiqathango. Ayizizo zonke eziya kuthi zijonge iingxelo zekhredithi ngazo zontathu iiofisi zokunika ingxelo ngetyala, azinakho ukubonelela ngenqaku lakho leFICO, kwaye iitsheki azenzeki kakuhle kwaye zibandakanya konke.

Sifanele sikwachaze ukuba akukho nto iya kukukhusela ngokupheleleyo kubusela besazisi. Endaweni yokuba, olu hlobo lwenkonzo lubonisa ukuba kukho ingxaki kwaye lukukhuthaza ukuba uthathe amanyathelo.

Ezona nkonzo zibalaseleyo zokuBekwa kweliso kuMatyala: UkuThathwa

Ungasebenzisa ezona nkonzo zibalaseleyo zokubeka iliso kumatyala ukukunceda ubone ubuqhetseba kwangoko. Ukuhlawulwa kweenkonzo kubonelela ngogqibo olongezelelekileyo, kodwa unokujonga esweni ingxelo zakho zekhredithi ngokwakho.

Iinkonzo zokubeka iliso kumatyala azikuthinteli ukubiwa kwesazisi okanye ubuqhetseba, kodwa banokukunika iintloko kwaye babonelele nge-inshurensi okanye ngoncedo ukusombulula umba.