Every consumer in South Africa can access their credit report for free once per 12-month period.
You may access your credit report from credit bureaus such as TransUnion (ITC), Experian, XDS and Compuscan.
Scroll down for quotes from the audio below.
The best predictor of future behaviour is past behaviour.— Avitha Nofal
Your employer may only check your credit health if your job requires you to be responsible with money.— Avitha Nofal
Prescribed debt may not be listed at the bureaus. If it is; they must remove it.— Avitha Nofal
Every credit provider has their own scorecard that may have different weightings.— Avitha Nofal
Failing to pay child maintenance will affect your credit record at the credit bureaus.— Avitha Nofal
Contact the credit ombud if you dispute your credit check.— Avitha Nofal
We represent the consumer. We investigate to determine if the consumer is liable or not.— Avitha Nofal
This article first appeared on 702 : How credit worthy are you? A guide to credit bureau reports…