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Thread: Your credit record: free annual report

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    Silver Member Eugene's Avatar
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    Your credit record: free annual report

    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.
    Last edited by Dave A; 12-Feb-10 at 02:48 PM.

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    How can i get my free credit report

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    just me duncan drennan's Avatar
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    Quote Originally Posted by bee69cancer View Post
    How can i get my free credit report
    Have a look at http://www.mycredit.co.za/ - the first option there is for your free credit report.
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    Question mrs

    Quote Originally Posted by bee69cancer View Post
    How can i get my free credit report
    interested in buying shares but before i should be clear about my credit status and that of my husband.

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    Site Caretaker Dave A's Avatar
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    Ekmolefe, why would your credit record status affect your ability to buy shares?
    The trouble with opportunity is it normally comes dressed up as work.

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    Gold Member Martinco's Avatar
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    Quote Originally Posted by duncan drennan View Post
    Have a look at http://www.mycredit.co.za/ - the first option there is for your free credit report.
    Has anybody actually gone through the exercise of checking ? The site looks very suspicious to me !
    Martin Coetzee
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    just me duncan drennan's Avatar
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    Quote Originally Posted by Martinco View Post
    Has anybody actually gone through the exercise of checking ? The site looks very suspicious to me !
    I did try once in the past, but something went wrong in the process. This is Transunion's site - I am sure it is authentic. What about it looks suspicious to you?

    (here is the whois info, which clearly links the site to Transunion ITC, one of two or three credit record companies in South Africa).
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    Gold Member Martinco's Avatar
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    Well Duncan, just a few things struck me as being odd !

    During the info entering process one battles to enter the tel #'s. You can only enter 4 digits and re-click some spaces further to enter the rest of the number.
    In their last message to the effect that you have to now wait for an email to confirm, they misspell a word and a few words later they get the same word right. ( typical 419 ).
    I now get the email with a link and the link bombs !

    Must admit the "whois" checks out !
    Martin Coetzee
    Supplier of Stainless Steel Band and Buckle and various fastening systems. Steel, Plastic, Galvanized, PET and Poly woven.
    We solve your fastening problems.
    www.straptite.com

    You may never know what results will come from your actions, but if you do nothing, there will be no results... Rudy Malan 05/03/2011

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    just me duncan drennan's Avatar
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    I have to agree with you - the process is very dodgy, and so far I haven't managed to actually get a free credit report. I am not even sure if I ever received a login....and now can't login, because I apparently already have one

    Which is the other large credit record company? I wonder if we might have more success with their process.
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    just me duncan drennan's Avatar
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    Experion. Here is the link to their free credit report (registration required...)
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