In order to be able to use the credit monitoring service that we suggested earlier on, it would help if you understand them more fully. ¸¸¾à ´ç½ÅÀÌ ±×µéÀ» ´õ¿í ¿Ïº®ÇÏ°Ô ÀÌÇØÇϱâ À§Çؼ´Â ¿ì¸®°¡ ÀÌÀü¿¡ Á¦¾È ½Å¿ë ¸ð´ÏÅ͸µ ¼ºñ½º¸¦ ÀÌ¿ëÇϱâ À§Çؼ µµ¿òÀÌ µÉ ¼öÀÖ´Ù. Credit report monitoring can be used following a bankruptcy in order to assist you as part of identity theft prevention and detection policy. ½Å¿ø µµ¿ëÀ» ¹æÁöÇϱâ À§ÇØ Å½Áö Á¤Ã¥ÀÇ ÀÏȯÀ¸·Î °í°´ ¿©·¯ºÐÀ» µ½±â À§ÇØ ½Å¿ë º¸°í¼ ÆÄ»ê ¸ð´ÏÅ͸µ ´ÙÀ½ »ç¿ëÇÒ ¼öÀÖ½À´Ï´Ù. Although monitoring your credit report might not keep you away from any of the credit problems that we often find ourselves faced with, it can keep you updated with anything that is going crooked. ºñ·Ï ¿ì¸®´Â Á¾Á¾ ½º½º·Î ¾ðÁ¦, ´ç½ÅÀÌ ¾Æ¹«°Íµµ °¡Áø °Í ¾÷µ¥ÀÌ Æ® À¯ÁöÇÒ ¼ö ºñ¶Ô¾îÁø ¾ó±¼À» ãÀ» ½Å¿ë ¹®Á¦ºÎÅÍ ´ç½ÅÀ» ¸Ö¾î ¾ÊÀ» ¼öµµ ±ÍÇÏÀÇ ½Å¿ë º¸°í¼¸¦ ¸ð´ÏÅ͸µ. After you declare yourself bankrupt, you will want to have exact knowledge of what is going on with your credit report if you want it to remain that way. ÈÄ ÀÚ½ÅÀÌ ÆÄ»êÀ» ¼±¾ðÇÏ¸é ±× ¹æ¹ýÀÌ ³²¾Æ ½ÍÀº ÀÏÀÌ ¹«¾ù¿¡ ´ç½ÅÀÇ ½Å¿ë º¸°í¼ÀÇ Á¤È®ÇÑ Áö½ÄÀ» °®°í ½Í¾îÇÑ´Ù. You should however understand, that there are many different methods but that a credit monitoring service is the best one for you to keep records of your credit report and scoring information. ÇÏÁö¸¸ ÀÚ³×°¡ ÀÌÇØ ÇØ¾ßÁö, °Å±â¿¡ ¿©·¯ °¡Áö ¹æ¹ýÀÌ ÀÖÁö¸¸ ±× Å©·¹µ÷ ¸ð´ÏÅ͸µ ¼ºñ½º¿¡ ´ëÇÑ ±ÍÇÏÀÇ ½Å¿ë º¸°í¼ÀÇ ³»¿ëÀº µæÁ¡ ±â·ÏÀ» À¯ÁöÇϰí ÃÖ°íÀÇ ÇϳªÀÌ´Ù. In the area of online identity fraud, you will require this even more. ¿Â¶óÀÎ ½Å¿ø »ç±âÀÇ ¿µ¿ª¿¡¼, ´ç½ÅÀÌ ÈξÀ ´õ ÇÊ¿äÇÕ´Ï´Ù. Nothing will weaken your efforts for bankruptcy recovery faster than experiencing identity theft. ¾Æ¹«°Íµµ ½Å¿ø µµ¿ëÀ» °Þ°íÀִº¸´Ù ºü¸¥ ȸº¹À»À§ÇÑ ÆÄ»ê ±ÍÇÏÀÇ ³ë·ÂÀ» ¾àȵȴÙ. This section will center on the elements you should bear in mind regarding credit monitoring services, so that if you do consider to use one, you can make a well-informed decision. ´ç½ÅÀÌ ¸¶À½¿¡ Å©·¹µ÷ ¸ð´ÏÅ͸µ ¼ºñ½º °ü·Ã °õÇØ¾ßÇÑ´Ù ¿ä¼Ò¿¡ ´ëÇÑÀÌ ¼½¼Ç ¼¾ÅÍ, ±×·¡¼ Çϳª¸¦ »ç¿ëÇÏ´Â °æ¿ì, ´ç½ÅÀº Àß - Å뺸 °áÁ¤À» ÇÒ ¼ö ÀÖµµ·Ï °í·Á ¾Ê½À´Ï´Ù. Many advertisements can be found for credit monitoring services online and offline which will make you think that your credit report is monitored so that at the exact moment an identity thief is at work, alarms can be sounded, and the thief can be stopped immediately with yourself having been notified. ¸¹Àº ±¤°í Å©·¹µ÷ ¸ð´ÏÅ͸µ ¼ºñ½º¸¦ ¿Â¶óÀΰú ¿©·¯ºÐÀÇ ½Å¿ë º¸°í¼ ±×·¸°Ô Á¤Ã¼¼º µµµÏÀÌ ÀÛǰ¿¡¼ Á¤È®ÇÑ ¼ø°£¿¡, ¾Ë¶÷ ¼Ò¸®°¡ µÉ ¼ö ÀÖÀ¸¸ç, ¸ð´ÏÅÍ¿Í ÇÔ²² µµµÏÀ» Áï½Ã Áß´Ü µÉ ¼ö ÀÖ´Ù°í »ý°¢ÇϰԵȴ٠¿ÀÇÁ¶óÀο¡¼ ãÀ» ¼öÀÖ½À´Ï´Ù Å뺸µÇ°íÀÖ´Ù. Although this is really why these services exist, the way that they truly function isn¡¯t as impressive. ºñ·ÏÀÌ ÁøÂ¥ ÀÌÀ¯´Â ÀÌ·¯ÇÑ ¼ºñ½º¸¦, ±×µéÀÌ ÁøÁ¤À¸·Î ±â´ÉÇÏ´Â ¹æ½ÄÀ¸·Î ÀλóÀûÀÎ Á¸ÀçÇÏÁö ¾Ê½À´Ï´Ù. The common purpose of credit monitoring services can really be explained in these most basic points: Å©·¹µ÷ ¸ð´ÏÅ͸µ ¼ºñ½ºÀÇ ÀϹÝÀûÀÎ ¸ñÀûÀº Á¤¸»ÀÌ °¡Àå ±âº»ÀûÀÎ Æ÷ÀÎÆ®¿¡¼ ¼³¸íÇÒ ¼öÀÖ´Ù : • Early Activity Detection: The basic advantage and purpose of credit monitoring services is that they help you to detect any unauthorized activity that takes place in your name fast. • Á¶±â ŽÁö Ȱµ¿ : ±âº»ÀûÀÎ ÀåÁ¡°ú ½Å¿ë ¸ð´ÏÅ͸µ ¼ºñ½ºÀÇ ¸ñÀûÀº ±×µéÀÌ ´ç½ÅÀÇ À̸§À» ¹«´ÜÀ¸·Î »¡¸® ÀÌ·ç¾îÁö´Â Ȱµ¿À» °¨ÁöÇÏ´Â µ¥ µµ¿òÀ̵˴ϴÙ. As mentioned earlier, the victims are often given 6 months of activity which are recorded in their name before they even have knowledge of it. ¾Õ¿¡¼ ¼³¸íÇßµíÀÌ, Èñ»ýÀÚµéÀº ½ÉÁö¾î ±×µéÀÇ Áö½ÄÀ» °¡Áö°í Ȱµ¿Çϱâ Àü¿¡´Â ÀÚ½ÅÀÇ À̸§¿¡ ±â·ÏµË´Ï´Ù 6 °³¿ùÀÌ ºÎ¿©µË´Ï´Ù. Consequently, in the long run, early detection can save you thousands of dollars. ÀÌ¿¡ µû¶ó Àå±â ÀûÀ¸·Î´Â, Á¶±â ¹ß°ßÀ» ´ç½Å¿¡°Ô ¼öõ ´Þ·¯¸¦ Àý¾àÇÒ ¼öÀÖ½À´Ï´Ù. • It is More Convenient: you should know that many of the services that a credit monitoring service gives you can actually be carried out by yourself. • Á» ´õ Æí¸®ÇÕ´Ï´Ù : ´ç½ÅÀº ±× ¼ºñ½ºÀÇ ½Å¿ë ¸ð´ÏÅ͸µ ¼ºñ½º¸¦ »ç¿ëÇÏ¸é ½ÇÁ¦·Î ¸¹Àº À̵éÀÌ ±× Àڽſ¡ ÀÇÇØ ¼öÇà µÉ ¼öÁÖ´Â ¾Ë¾Æ¾ßÇÑ´Ù. Nevertheless, hiring a monitoring service to produce the work for you can free up a lot of your time whilst being very precise. ±×·¯³ª, ´ç½ÅÀº ¸Å¿ì Á¤È®ÇÑ ½Ã°£ µ¿¾È ¹«·á·Î ÇÒ ¼öÀÖ´Â ¸¹Àº ÀÛǰÀ» »ý»êÇÏ´Â ¸ð´ÏÅ͸µ ¼ºñ½º¸¦ ä¿ëÇß´Ù. What these Services Monitor: ¾î¶² °æ¿ì¿¡ÀÌ ¼ºñ½º¸¦ ¸ð´ÏÅÍ : Although you can get many different levels of service at a cost, in most cases, these services will monitor the following: ºñ·Ï ºñ¿ë¿¡¼, ´ëºÎºÐÀÇ °æ¿ì ¼ºñ½ºÀÇ ´Ù¾çÇÑ ¼öÁØ¿¡ ¾òÀ» ¼öÀÖ´Â ÀÌ·¯ÇÑ ¼ºñ½º´Â ´ÙÀ½°ú ¸ð´ÏÅÍ °ÍÀÌ´Ù :
• Credit File Inquiries: The service will keep a record of who is inquiring on your credit file along with the reasons. • ½Å¿ë ÆÄÀÏ ¹®ÀÇ :ÀÌ ¼ºñ½º´Â ±ÍÇÏÀÇ ½Å¿ë¿¡ ´ëÇÑ ÀÌÀ¯¿Í ÇÔ²² ÆÄÀÏÀ» ޱ¸ÀÇ ±â·ÏÀ» À¯ÁöÇÑ´Ù. This information can be most useful in detecting unauthorized activities. ´ëºÎºÐÀÇ È°µ¿ÀÌ Á¤º¸¸¦ ¹«´ÜÀ¸·Î °¨Áö¿¡ À¯¿ëÇÏ°Ô »ç¿ëµÉ ¼öÀÖ½À´Ï´Ù.
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