Ingxelo entsha ekhutshwe nguMgaqo-nkqubo kunye neKhansile yoPhando lwezoQoqosho (i-PERC) ifumanise ukuba amanyathelo okucutha / okususa ukucetyiswa okusombulula ukuwa kwezoqoqosho kwe-COVID-19 kuya kunciphisa ngokumangalisayo ukufikelela kwikhredithi ukuba inokuphunyezwa. Ingxelo, enesihloko esithi "Iimpembelelo ezivela kwiNkqubo eNtsonkothileyo yoLwazi lweDerogatory kwiNgxelo yeKhredithi," ilinganise iimpembelelo zoxinzelelo olukhulu kunye nokucinywa kolwazi olubi lwekhredithi.
Kwiinyanga ezili-18 ezidlulileyo, abenzi bomgaqo-nkqubo e-US nakwilizwe jikelele babetsala nzima nomba ontsonkothileyo wokuvalwa kweemarike kumanyathelo afanelekileyo okhathalelo lwempilo. Ngokwasekhaya, impendulo emxinwa kwaye ijolise ekunikeni ingxelo kumatyala e-CARES Act kubonakala ngathi iphumelele kakhulu. Nangona kunjalo, bekukho iifowuni ngamanye amalungu eCongress yenkqubo evaliweyo yokuvalwa kwengxelo ngetyala lolwazi olubi, egubungela bonke abathengi ngexesha (nakwithuba elithile emva) kwengxaki ye-COVID-19-umgaqo-nkqubo obizwa ngokuba "kukucinezelwa nokucinywa. . ”
Ngelixa ubhubhane usiya kwicala elilungileyo e-US, ilizwe alikho ngaphandle kwehlathi. Ngama-22% abantu base-US abangagonywanga, kwaye amaqondo okugonya asezantsi kakhulu kwihlabathi liphela, kukho ithuba elininzi lokuba ingxaki yezempilo ihambe ecaleni. Ukuba oku kuyenzeka, abenzi bomthetho banokulingwa ukuba benze amanyathelo okucinezela / okususa ukukhusela abathengi. Ngaphaya koko, ukusetyenziswa kancinci kwale ndlela kusandula ukwaziswa kwiCongress njengezilungiso kuMthetho weSigunyaziso soKhuseleko kuZwelonke (NDAA). Ngelixa kujongwe kakuhle, njengakwimilinganiselo ebanzi, izicelo ezincinci zinokuba yingozi kubaboleki kunokuba ziluncedo -kwimeko yomkhosi osebenzayo.
Ingxelo ye-PERC ifumanise ukuba ngomgaqo-nkqubo obanzi wokucinezelwa / wokucinywa endaweni, amanqaku aphakathi ekhredithi enyuka- kodwa akonelanga ukuthelekisa ukunyuka ngokufanayo kwinqanaba lokunqunyulwa elisetyenziswe ngababolekisi ukuze bathathe isigqibo sokuba ngabaphi ababolekisi abangabamkeliyo kwaye bamkele ntoni. Umzekelo, emva nje kweenyanga ezintandathu zokucinezelwa / ukucinywa, amanqaku asikiweyo anyuka aya kuma-699 ngelixa amanqaku ekhredithi aphakathi enyuka ukuya kuma-693 kuphela. Umsantsa phakathi kwaba babini uya usanda ngokuhamba kwexesha, oko kuthetha ukuba umgaqo-nkqubo wokucinezelwa usekude, Ngakumbi abantu abaya kunqatshelwa ukufikelela kwikhredithi ephambili efikelelekayo.
Ubungqina obuvela kolu phando lutsha bukwabonisa ukuba abancinci ababolekayo, abo bafumana imivuzo ephantsi, kunye nababolekisi abavela kuluntu oluncinci baya kufumana iimpembelelo ezimbi. Kumzekelo omnye, ngelixa ukwamkelwa kwetyala kubo bonke abantu kwehle nge-18%, yehla ngama-46% kwabona baboleki mncinci. Enye imeko, kubandakanya nefuthe lobungozi bokuziphatha ukusuka kumgaqo-nkqubo woxinzelelo / ukucinywa, kufunyenwe ukufikelela kwityala kwabaneminyaka eli-18 ukuya kwengama-24 ubudala kuncitshiswe nge-90% emangalisayo. Impembelelo exhaphakileyo kwiqela elinye leminyaka inokuba nefuthe elihlala lihleli kubuchule babo bokuvelisa ubutyebi kunye nokwakha iiasethi-eziphawuleka njengeMillennials ziye zasokola kule ngaphambili inxulumene neGen-Xers kunye neBoomers ngexesha elifanayo. Ngokwengeniso, yehle nge-19% kwiqela elinengeniso esezantsi kodwa i-15% kwelona liphezulu- umahluko wama-27%. Kumalungu emizi emhlophe, kwiindawo ezingezizo ezaseSpain, yehle nge-17%, kodwa kwiindawo ezinabantu abamnyama, yehla nge-23%, nakwiindawo ezininzi ze-Hispanic, yehla ngama-25%.
I-PERC phantse amashumi amabini eminyaka yophando ijolise kusetyenziso olunoxanduva lwedatha ukwandisa ukubandakanywa kwezemali. Olu phononongo ibikukuqhubekeka kwephepha elimhlophe langaphambili elinesihloko esithi "Ukongezwa kulunge kunokuthabatha: iingozi ezivela kucinezelo lwedatha kunye nezibonelelo zokongeza idatha elungileyo kwiNgxelo yeKhredithi." Iphonononge uphando lwangaphambili lokususwa kwedatha kwaye yaveza iziphumo ezingqinelanayo zokuba ukususwa kwedatha kuyingozi kubaboleki. Ngokuchasene nokucinezelwa / ukucinywa, uphando lwe-PERC lufumanise ukuba ukongeza idatha engeyiyo eyemali kwiingxelo zabathengi zokuthenga ngetyala kukonyusa ukufikelela kwikhredithi ngokungummangaliso kubantu abangabonakaliyo ngetyala (ikakhulu abantu abanengeniso ephantsi, abancinci nabadala baseMelika, uluntu oluncinci kunye nabafuduki).
Ingxelo icebise ukongeza idatha entle (ngexesha) yentlawulo yeefowuni, ikhebula kunye nesathelayithi yeTV, kunye neenkampani ze-broadband kwinkqubo yokunika ingxelo ngetyala, endaweni yokucima idatha yentlawulo engeyiyo (emva kwexesha). Ukubandakanywa kwedatha yokuqikelela ngokusebenzisa amajelo avunyelwe ngumthengi kunokunceda ekunciphiseni ukonakaliswa kwedatha yefayile yemboleko yemveli ngenxa yesifo.
UMongameli kunye neCEO ye-PERC uGqirha Michael Turner uthe, “Abenzi bomgaqo-nkqubo baseMelika bafezekise ulungelelwaniso olubuthathaka kunye nomthetho weCARES-osebenze. Ukuqhubela phambili, nangona kunjalo, isifundo sethu sibonisa ukuba kufuneka banyathele ngononophelo. ” UGqr Turner wakhomba kumathuba okuba abantu ababekelwe bucala ngenxa yoxinzelelo / ukucinywa bangaya kubabolekisi ababiza kakhulu (iivenkile ezithengisayo, ababolekisa ngemini yomvuzo, ababolekisi beetayitile) ukuhlangabezana neemfuno zabo zokwenyani zamatyala. "Sicinga ukuba lixesha lokuba iCongress ithathe amanyathelo ukukhuthaza ukubandakanywa kolunye ulwazi kwiingxelo zabathengi ngetyala," utshilo u-Turner.
UMsunguli wezeMfundo ngezeMali noPhuhliso loBuchule (SFE & PD) uMseki kunye noMongameli uTed Daniels wongeze, "Ingxelo ye-PERC yokunika ingxelo ngetyala iqulethe ulwazi oluluncedo kakhulu kuba inika iinkcukacha malunga nendlela ecetyiswayo / yokususa idatha ye-COVID-19 Inani elincinci. Ngapha koko, ingxelo ye-PERC ibonisa isidingo sokuchazwa okufanelekileyo nokuchanekileyo kwayo yonke idatha yamatyala-njengedatha yokuhlawula eyi-telecoms, i-cable kunye ne-satellite satellite, kunye ne-broadband-kwiingxelo zekhredithi. ”
INTO ONOKUYITHATHA KWELI NQAKU:
- 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.
