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Thread: Free credit report....NOT

  1. #11
    Site Caretaker Dave A's Avatar
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    Do a Google search on "P.O. Box 1234, Panorama" (make sure you include the quotation marks). Seems David Bester is probably into affiliate marketing.

    On Kudough - All that effort for a measly R69 seemed a bit odd, until I noticed

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    it's a monthly subscription. (or my eyes are playing tricks on me).

  2. #12
    Diamond Member tec0's Avatar
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    Can't you get a credit report from your local bank or something like that? I don't have credit so I seriously don't know?
    peace is a state of mind
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    Gold Member Houses4Rent's Avatar
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    Transunion is oen the bigger. There are more, but largely just feed off the big four.

    Do more than one as often shops e.g. use one and not the other. So your report might look clean on the one, but not the other crdeit bureau.

    For my business we use Experian (a global player) and Transunion (I think also global).

    I personally draw my annual free reports from:
    www.xds.co.za - now www.credit4life.co.za
    www.compuscan.co.za - info@compuscan.co.za / 021-8886000
    www.experian.co.za
    www.transunion.co.za

    Its not a calender year, but a rolling 12m period.
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    Hi
    Do you guys perhaps know if https://www.credithealth.co.za/ is any good?

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    Site Caretaker Dave A's Avatar
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    Quote Originally Posted by JamesL View Post
    Do you guys perhaps know if https://www.credithealth.co.za/ is any good?
    Looking around their website, probably not - given that this thread is about getting your free credit report that you are legally entitled to ask for and receive once a year from any credit bureau that collects consumer credit information in terms of the National Credit Act.

  6. #16
    Diamond Member Citizen X's Avatar
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    Quote Originally Posted by tec0 View Post
    Can't you get a credit report from your local bank or something like that? I don't have credit so I seriously don't know?
    Hi Tec0,

    Currently, the most reliable credit bureaus for a free credit report are : Transunion ITC, Experian and XDS..
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  7. #17
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    Kudough is a for profit company. If you want your free credit report, then you need to go directly to one of the four credit bureaus operating in South Africa currently. Trans union, Compuscan, Experian or XDS. They are obligated by law to give you one free credit report per a calendar year. Kudough isnt a credit bureaus, its simply a reseller and therefore charges for their reports. If you contact any of the companies I mentioned, someone will help you for free.

  8. #18
    Gold Member Houses4Rent's Avatar
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    Are Transunion, Compuscan, Experian or XDS non profit companies then? I doubt that.
    Houses4Rent
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  9. #19
    Site Caretaker Dave A's Avatar
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    Quote Originally Posted by Houses4Rent View Post
    Are Transunion, Compuscan, Experian or XDS non profit companies then? I doubt that.
    Damn straight they're for-profit companies. The only reason the credit bureaus give away free credit reports to anyone is because they're obliged to by law. They certainly weren't doing it before the introduction of the NCA

    Or should I rather say, on the rare occasion I wanted to get a credit report on myself before the introduction of the NCA, I did have to pay. If there were any freebies being given out back then, they certainly didn't let me in on the deal.

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