Kaum tawm lab ntawm cov nuj nqis sau tseg tau ploj mus los ntawm cov neeg Asmeskas cov ntaub ntawv qiv nyiaj thaum lub sijhawm muaj tus kabmob kis thoob ntiaj teb, tsab ntawv ceeb toom tshiab ntawm tsoomfwv saib xyuas pom, tab sis cov nqi khomob dhau sijhawm tseem muaj teebmeem loj rau ntau tsev neeg thoob tebchaws.
Tag nrho cov nuj nqis sau los ntawm cov ntaub ntawv qiv nyiaj tau nqis los ntawm 33% los ntawm 261 lab hauv 2018 txog 175 lab hauv 2022, raws li cov ntaub ntawv. Consumer Financial Protection Bureau, thaum qhov sib faib ntawm cov neeg siv khoom nrog kev sau nqi ntawm lawv daim ntawv tshabxo nuj nqi poob qis los ntawm 20%.
Kev sau cov nuj nqis kho mob kuj tau nqis los ntawm 17.9% thaum lub sijhawm ntawd, tab sis tseem ua tau li 57% ntawm tag nrho cov nyiaj khaws tseg ntawm cov ntaub ntawv qiv nyiaj, ntau dua li lwm hom nuj nqis ua ke - suav nrog credit cards, nqi hluav taws xob, thiab qiv nyiaj.
Txawm hais tias kev txo qis hauv kev sau nyiaj, CFPB tau sau tseg tias cov txiaj ntsig tau hais txog kev txhawj xeeb tsis tu ncua uas tam sim no kev them nqi kho mob thiab kev sau nqi tuaj yeem tsis muaj qhov pom tseeb, feem ntau ua rau cov qhab nia credit thiab nyiaj txiag noj qab haus huv ntawm cov neeg muaj kev pheej hmoo tshaj plaws.
"Peb qhov kev txheeb xyuas ntawm cov ntawv qhia txog credit muab lwm qhov qhia tias, vim muaj kev ua lag luam muaj zog thiab cov kev pabcuam xwm txheej ceev thaum muaj kev sib kis, kev nyuaj siab nyiaj txiag hauv tsev tau txo qis dua ob xyoos dhau los," Rohit Chopra, tus thawj coj CFPB tau hais hauv nqe lus. "Txawm li cas los xij, cov nuj nqis kho mob tsis raug thiab tsis raug ntawm cov ntaub ntawv qiv nyiaj tseem cuam tshuam rau kev noj qab haus huv nyiaj txiag hauv tsev."
Muaj nuj nqis hauv kev sau nyiaj txhais tau tias koj tus neeg qiv nyiaj thawj zaug xa koj cov nuj nqis mus rau lwm lub koom haum los sau nws. Raws li CFPB, cov khoom lag luam uas tuaj yeem poob rau hauv kev sau suav nrog cov nuj nqis kho mob, qiv nyiaj rau tub ntxhais kawm, tsis them daim npav rho nyiaj thiab nqi xauj tsev, rau npe rau ob peb tug.
Ib zaug hauv kev sau, cov nuj nqis no tuaj yeem nyob hauv koj daim ntawv tshabxo nuj nqi txog li 7 xyoo, Experian tau sau tseg, muaj feem cuam tshuam rau koj txoj hauv kev tau txais kev nkag mus rau credit tshiab yav tom ntej.
Txawm hais tias muaj kev cuam tshuam txog kev sib kis thoob ntiaj teb tuaj yeem pab cov tsev neeg txo qee qhov ntawm lawv cov nuj nqis tag nrho, CFPB tau sau tseg tias kev poob qis hauv kev sau nyiaj feem ntau yog vim qee tus neeg sau nqi tsis tau tshaj tawm cov ntaub ntawv.
Raws li tsab ntawv ceeb toom, cov neeg sau nuj nqis - tshwj xeeb tshaj yog cov uas feem ntau sau cov nqi kho mob - tshaj tawm 38% tsawg dua cov khoom lag luam sau los ntawm 2018 txog 2022. Chopra tau sau tseg tias qhov no tuaj yeem cuam tshuam.
"Kev poob qis hauv kev sib sau ua lag luam tsis tas yuav cuam tshuam txog kev poob qis hauv kev sau cov nuj nqis, lossis kev txhim kho hauv tsev neeg lub peev xwm kom ua tau raws li lawv cov luag haujlwm nyiaj txiag," nws hais tias, "tab sis kev xaiv los ntawm cov neeg sau nuj nqis thiab lwm tus los qhia tsawg dua kev sib sau ua lag luam, thaum. tseem tab tom ua lwm yam kev sau se. "
Hmoov zoo, cov neeg Amelikas coob zuj zus tuaj yeem pom cov nuj nqis kho mob ntau dua los ntawm lawv cov keeb kwm qiv nyiaj xyoo no, pab txhim kho lawv cov creditworthiness.
Hauv thawj ib nrab ntawm 2023, Equifax, Experian, thiab TransUnion yuav tsis suav nrog cov nuj nqis kho mob raws li tus nqi ntawm $ 500 ntawm daim ntawv tshabxo nuj nqi. Uas tau ua raws li lub chaw lis haujlwm qiv nyiaj xyoo tas los tshem tawm kwv yees li 70% ntawm kev sau nqi kho mob los ntawm cov neeg siv khoom ceeb toom. Tsis tas li ntawd, cov nuj nqis kho mob tsis them nyiaj yuav siv sijhawm ib xyoos - dua li rau lub hlis tam sim no - los nthuav tawm ntawm tus neeg daim ntawv tshaj tawm credit, lub chaw lis haujlwm tau hais.
Cov kev hloov pauv tam sim no tseem yuav yog qhov poob qis hauv lub thoob rau txo cov nuj nqis kho mob, Chopra tau hais.
"Txawm hais tias qhov no yuav txo qis tag nrho cov kev sau kho mob kev lag luam, kwv yees li ib nrab ntawm tag nrho cov neeg siv khoom lag luam nrog cov ntaub ntawv kho mob tseem yuav muaj lawv cov ntaub ntawv credit," Chopra tau hais hauv tsab ntawv ceeb toom, "nrog cov nyiaj sau ntau dua sawv cev rau feem ntau ntawm Cov nyiaj daus las zoo tshaj plaws ntawm kev sau kho mob tseem tshuav ntawm daim ntawv tshabxo nuj nqi. "
Kev tshuaj xyuas CFPB tsim los ntawm Biden-Harris Administration's Lub hom phiaj los txhawb txoj cai Affordable Care Act thiab siv cov kev tiv thaiv cov neeg siv khoom tshiab kom txo cov nuj nqis kho mob thiab txo cov nqi kho mob.
Nws kuj ua raws li ib txoj hlua ntawm CFPB cov lus ceeb toom xam rau Yuav ua li cas cov nuj nqis kho mob tsis raug cai tsis yog tsuas yog ua rau tsis ncaj ncees rau cov neeg siv khoom cov qhab nia credit, tab sis kuj tsim kev cuam tshuam mus sij hawm ntev xws li kev zam ntawm kev kho mob, kev pheej hmoo ntawm kev lag luam, lossis nyuaj rau kev ua haujlwm.
Gabriella yog tus kws tshaj lij nyiaj txiag tus kheej ntawm Yahoo Finance. Ua raws nws ntawm Twitter @__gabriellacruz.
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Tau qhov twg los: https://finance.yahoo.com/news/millions-of-debt-collections-dropped-off-americans-credit-reports-181801464.html