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By 6mvxxxx Posted: 2024-05-28 14:49:21

3´ë Å©·¹µ÷ Æò±â±â°ü Áß ÇϳªÀÎ ¿¡ÄûÆѽº. /CBS News

 

ÄÁ¼ö¸Ó ¸®Æ÷Æ®·¿öÅ©¸ùÅ° Á¶»ç

¿¡·¯ Áß 27%´Â Å©·¹µ÷Á¡¼ö¿¡ 'Ÿ°Ý'

"1³â¿¡ ÇѹøÀº ¸®Æ÷Æ® üũÇ϶ó"

 

¹Ì±¹»ýÈ°¿¡¼­ ‘Å©·¹µ÷’ÀÇ Á߿伺Àº ¾Æ¹«¸® °­Á¶Çصµ Áö³ªÄ¡Áö ¾Ê´Ù.

±×·±µ¥ ¼ÒºñÀÚ Å©·¹µ÷ ¸®Æ÷Æ®ÀÇ 40% ÀÌ»óÀº ¿À·ù(error)°¡ Àִ °ÍÀ¸·Î ³ªÅ¸³µ´Ù.

 

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ÇÑ °æÁ¦ ºÐ¼®°¡´Â “Å©·¹µ÷Àº ÁýÀ» »ì ¶§µµ, ¾ÆÆÄÆ®¸¦ ¾òÀ» ¶§µµ, ÀÚµ¿Â÷¸¦ ±¸ÀÔÇÒ ¶§µµ, ½Å¿ëÄ«µå¸¦ ½ÅûÇÒ ¶§µµ ²À ÇÊ¿äÇÏ´Ù”¸ç “Å©·¹µ÷ÀÌ ³ª»Û ¼ÒºñÀڴ ÀÌÀÚÀ²¿¡¼­ ¼ÕÇظ¦ º¸°Å³ª ¾Æ¿¹ ¿øÇϴ °ÍÀ» ±¸ÀÔÇÒ ¼ö ¾ø´Â »óȲ¿¡ Ã³ÇÑ´Ù”°í ¸»Çß´Ù. ¼ÒºñÀÚ ¿öÄ¡µ¶µéÀº 3´ë Å©·¹µ÷ Æò°¡±â°üÀÇ ÀÏ󸮰¡ ¿Ïº®ÇÏÁö ¾Ê´Ù¸ç °¡´ÉÇϸé À¥»çÀÌÆ®(www.AnnualCreditreports.com)À» ÅëÇØ ÃÖ¼ÒÇÑ 1³â¿¡ ÇÑ ¹øÀº ÀÚ½ÅÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¸¦ µé¿©´Ùº¼ °ÍÀ» ±Ç°íÇß´Ù.

 

¸Å³â ¿¬¹æ¼ÒºñÀÚ±ÝÀ¶º¸È£±¹(CFPB)¿¡ Á¢¼öµÇ´Â ¼ÒºñÀÚ ºÒÆòºÒ¸¸ ½Å°í Áß Å©·¹µ÷ ¸®Æ÷Æ® °ü·Ã ½Å°í°¡ °¡Àå ¸¹´Ù°í ¿öÅ©¸ùÅ°´Â ¹àÇû´Ù. 2021³âºÎÅÍ 2022³â±îÁö Å©·¹µ÷ °ü·Ã ºÒÆòºÒ¸¸ ½Å°í´Â 100% ÀÌ»ó Áõ°¡Çß´Ù. 
 

ÄÁ¼ö¸Ó ¸®Æ÷Æ®·¿öÅ©¸ùÅ° Á¶»ç¿¡ Âü¿©ÇÑ ¼ÒºñÀÚ 4300¸í Áß 872¸íÀº Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ÀÚ½ÅÀÇ °ÍÀÌ ¾Æ´Ñ ±ÝÀ¶ ¾îÄ«¿îÆ®°¡ ¿Ã¶ó Àִ °ÍÀ» ¹ß°ßÇß°í, Á¦¶§ ³³ºÎÇÑ ÆäÀ̸ÕÆ®°¡ ¿¬Ã¼µÈ °ÍÀ¸·Î À߸ø º¸°íµÅ ÀÖ¾ú´Ù. Á¶»ç¿¡ Âü¿©ÇÑ ¿ö½ÌÅÏÁÖ ¼ÒºñÀڠŹ̠üÀÓ¹ö½º(55)´Â “ÀͽºÆ丮¾È ¸®Æ÷Æ®¸¦ ºÃ´õ´Ï 2000´Þ·¯ Á¤µµ À¶ÀÚ ÆäÀ̸ÕÆ®¸¦ ¿¬Ã¼ÇÑ °ÍÀ¸·Î ³ª¿Í ÀÖ¾î Á¤¸» È²´çÇß´Ù”¸ç “À̷ΠÀÎÇØ ¸¸Á¡¿¡ °¡±î¿î 800Á¡À̾ú´ø Å©·¹µ÷ Á¡¼ö°¡ 520Á¡À¸·Î Ã߶ôÇß´Ù”°í ¸»Çß´Ù.

 

ÇÑ Àü¹®°¡´Â “¸¸¾à Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ´ëÇØ ºÒ¾ÈÇÏ´Ù¸é ÀÚ½ÅÀÇ Å©·¹µ÷À» ‘µ¿°á(freeze)’½ÃÅ°´Â °Íµµ ¹æ¹ý”À̶ó¸ç “ÀÌ·¸°Ô Çϸé Å¸ÀÎÀÌ ³» À̸§À» »ç¿ëÇØ »õ·Î¿î ±ÝÀ¶ ¾îÄ«¿îÆ®¸¦ ¿ÀÇÂÇÒ ¼ö ¾ø´Ù”°í ¸»Çß´Ù. 

 

 

 

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