Umbiko omusha okhishwe nguMkhandlu Wenqubomgomo Nocwaningo Lomnotho (i-PERC) uthole ukuthi izindlela zokucindezela / zokususa idatha ezihlongozwayo zokubhekana nokuwa komnotho kwe-COVID-19 kuzonciphisa kakhulu ukutholakala kwesikweletu uma kungafakwa. Umbiko, osihloko sithi “Impact from System-Wide Suppression of Derogatory Data in Credit Reporting,” ulingise imithelela yokucindezelwa okukhulu nokususwa kolwazi olubi lwekhredithi.
Ezinyangeni eziyi-18 ezedlule, abenzi bezinqubomgomo e-US nasemhlabeni jikelele bathwale kanzima ngendaba eyinkimbinkimbi yokuvalwa kwemakethe ngezinyathelo ezidingekayo zokunakekelwa kwezempilo. Ekhaya, impendulo yokubika ngesikweletu emincane futhi ehlosiwe evela kuMthetho we-CARES ibonakala iphumelele kakhulu. Kodwa-ke, bekukhona izingcingo zamanye amalungu eCongress zokunqatshelwa ngqo kohlelo lonke ekubikelweni kwesikweletu kolwazi olubi, oluhlanganisa bonke abathengi ngesikhathi (nangesikhathi esithile ngemuva) kwenhlekelele ye-COVID-19 — inqubomgomo ebizwa ngokuthi "ukucindezela nokususa . ”
Ngenkathi ubhadane lubhekisa amabombo e-US, izwe alikho ehlathini. Njengoba ama-22% abantu base-US bengagonyiwe, namazinga okugoma aphansi kakhulu emhlabeni jikelele, kunethuba eliningi lokuthi inkinga yezokunakekelwa kwempilo ihambe eceleni. Uma lokhu kwenzeka, abenzi bomthetho bangalingeka ukuba benze izindlela zokucindezela / zokususa ukuvikela abathengi. Ngaphezu kwalokho, izicelo ezincane zale ndlela zisanda kwethulwa eCongress njengezichibiyelo zoMthetho Kazwelonke Wokugunyazwa Kwezokuvikela (i-NDAA). Ngenkathi kuhloswe kahle, njengasesilinganisweni esibanzi, izicelo ezincane zingahle zibe yingozi kubaboleki kunokuba zisize-kulokhu amasosha asebenzayo.
Umbiko we-PERC uthole ukuthi ngenqubomgomo ebanzi yokucindezela / yokususa ekhona, amanani esikweletu aphakathi nendawo ayakhuphuka - kodwa akwanele ukufanisa ukukhuphuka okufanayo ngesikhathi samaphuzu anqunyiwe asetshenziswa ababolekisi ukunquma ukuthi obaphi ababolekisi abangawala nokuthi bamukele ini. Isibonelo, ngemuva kwezinyanga eziyisithupha nje kuphela zokucindezelwa / ukususwa, amaphuzu asikiwe anyukela ku-699 ngenkathi isilinganiso semali esikweletwayo sikhuphukela ku-693 kuphela. Igebe phakathi kwalaba bobabili likhula ngokuhamba kwesikhathi, okusho ukuthi isikhathi eside inqubomgomo yokucindezela ikhona, ngokwanda kwabantu abazonqatshelwa ukuthola isikweletu esivamile esingabizi.
Ubufakazi obuvela ocwaningweni olusha bukhombisa nokuthi ababoleki abasebancane, ababoleki abahola kancane, kanye nababoleki abavela emiphakathini emincane bazobhekana nemithelela emibi kakhulu. Kwesinye isibonelo, ngenkathi ukwamukelwa kwezikweletu kwabantu bonke kwehle ngo-18%, kwehle ama-46% kulabo ababoleka abancane kunabo bonke. Esinye isimo, kufaka phakathi umthelela wengozi ekuziphatheni okuvela kumgomo wokucindezela / ukususa, kutholakale ukufinyelela kwesikweletu kwabaneminyaka engu-18- ukuya kwengama-24 kuncishiswe ngama-90% amangazayo. Umthelela osabalele kangaka eqenjini elilodwa lobudala kungenzeka ube nomthelela ongapheli ekhonweni labo lokukhiqiza ingcebo nokwakha izimpahla — okuqaphelekayo njengoba iMillennials iye yalwa ngalesi sihlobo sangaphambili kuGen-Xers naseBoomers ngesikhathi esifanayo. Ngemali engenayo, yehle ngo-19% eqenjini elihola kancane kodwa u-15% laya kwabaphezulu kakhulu - umehluko ongu-27%. Kumalungu emindeni ezindaweni zabamhlophe, ezingezona ezeSpanishi, yehle ngo-17%, kepha ezindaweni ezinabantu abamnyama, yehla ngama-23%, kwathi ezindaweni ezinabantu abaningi baseSpain, yehla ngama-25%.
Ucwaningo lwe-PERC cishe amashumi amabili eminyaka selugxile ekusetshenzisweni kwedatha ngendlela efanele ukukhulisa ukufakwa kwezezimali. Lolu cwaningo belungukuqhubeka kwephepha elimhlophe langaphambilini elinesihloko esithi "Ukungezwa Kungcono Kunokususa: Izingozi Ezivela Ekucindezelweni Kwedatha kanye Nezinzuzo Zokungeza Imininingwane Eminingi Emihle Ekubikelweni Kwezikweletu." Ibuyekeze ucwaningo lwangaphambilini ngokususwa kwedatha futhi yethula okutholakele okungaguquguquki kokuthi ukususwa kwedatha kuyingozi kubaboleki. Ngokuphikisana nokucindezelwa / ukususwa, ucwaningo lwe-PERC luthole ukuthi ukwengeza idatha yokukhokha engeyona eyezimali emibikweni yezikweletu zabathengi kwandisa ukufinyelela esikweletini ngokuphawulekayo kwabangabonakali besikweletu (ikakhulukazi abantu abahola kancane, abaseMelika abancane nabadala, imiphakathi emincane kanye nabokufika).
Umbiko ubuye wancoma ukuthi kufakwe idatha ekhokhelwayo enhle (ngesikhathi) yama-telecom, i-cable kanye ne-satellite satellite, nezinkampani ze-broadband ohlelweni lokubika ngesikweletu, kunokuba kususwe idatha yokukhokha engemihle (sekwedlule isikhathi). Ukufakwa kwedatha yokubikezela ngeziteshi ezigunyazwe ngumthengi kungasiza futhi ekuqedeni ukonakala kwedatha yefayela lesikweletu yendabuko okuvela kubhubhane.
UMongameli kanye ne-CEO ye-PERC uDkt. Michael Turner uthe, “Abenzi bezinqubomgomo zase-US bathole ibhalansi ebucayi ngokuhlinzekelwa yi-CARES Act — okusebenzile. Ukuqhubekela phambili, kepha isifundo sethu sikhombisa ukuthi kumele banyathele ngokucophelela. ” UDkt Turner ukhombe emathubeni okuthi abantu abakhishwe ngaphandle njengomphumela wokucindezelwa / ukususwa bangaphendukela kubabolekisi ababiza kakhulu (izitolo ezidayiswayo, ababolekisi bezinsuku zokuhola, ababolekisi bamatayitela) ukuhlangabezana nezidingo zabo zangempela zesikweletu. "Sicabanga ukuthi sekuyisikhathi sokuthi iCongress isebenze ukukhuthaza ukufakwa kweminye imininingwane emibikweni yezikweletu zabathengi," kusho uTurner.
UMsunguli weSociety for Financial Education & Professional Development (SFE & PD) noMongameli uTed Daniels bangeze, “Umbiko we-PERC wokubika ngesikweletu uqukethe imininingwane ewusizo kakhulu ngoba ichaza ukuthi izindlela zokucindezela / zokususa idatha ze-COVID-19 eziphakanyisiwe empeleni zikwehlisa kanjani ukutholwa kwesikweletu kubathengi, ikakhulukazi abantu abambalwa. Ngaphezu kwalokho, umbiko we-PERC ukhombisa isidingo sokudalulwa okufanele nangokunembile kwayo yonke imininingwane yezikweletu - njengedatha yokukhokha enhle yama-telecom, i-cable kanye ne-satellite satellite, ne-broadband - kwimibiko yesikweletu. ”
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- The PERC report found that with a broader suppression/deletion policy in place, average credit scores rise – but not enough to match the concurrent rise in the cut-off score used by lenders to decide which borrowers to reject and which to accept.
- Such a widespread impact on one age group would likely have an enduring effect on their ability to generate wealth and build assets—notable as Millennials have struggled on this front relative to Gen-Xers and Boomers at the same age.
- The gap between the two widens over time, meaning the longer a policy of suppression is in place, the more people who will be denied access to affordable mainstream credit.
