Check the correctness of your credit status free each year. It is the your responsibilityto ensure that the correctdetails appear on your credit record - if incorrect adverse details are captured, your credit worthiness might be prejudiced!
How and where can I get a free credit report?
The NCA states that, you, as a consumer, have the right to obtain a free copy of your credit report, once a year, provided that you apply in the month of your birth or thereafter . Any further copies of your credit report will be charged at R22.80.
You can order your Experian credit report by contacting Experian's Consumer Relations desk on 0861 10 56 65, and they will gladly send a copy of your report, on receipt of a completed request form and verification documents.
What information must I supply in order to get my free credit report?
According to the Act (section 50), verification of your details must be done in line with the requirements of the Financial Intelligence Centre Act (FICA).
In order to comply with FICA, you are required to provide proof of your full names, date of birth and identity number e.g. copy of your identity document and proof of your residential address e.g. a telephone account less than 3 months old.
How will my credit report be sent to me?
You can choose how you would like to receive your credit report; either by fax, email, or by post.
What can I do if the information on my credit report is incorrect?
The NCA has prescribed a process for managing consumer disputes with the credit bureau. If you believe that the information on your Experian credit report is incorrect, you should do the following:
1. Contact Experian Consumer Relations Division on 0861 10 56 65 and inform them that you wish to register a dispute.
2. Experian will investigate the dispute and respond within 20 business days. Credit providers will be notified that there is a dispute on your record but will not be able to view the disputed information during this investigation period.
3. Should the information prove to be incorrect or unsubstantiated it will be removed immediately.
4. Experian will notify both you and all relevant credit providers of the correction.
Should you not be satisfied with the resolution of your query you may contact the office of the Credit Information Ombud on 0861 66 28 37.