South Africans may obtain a free credit report from each registered bureau every year — here's how to use it.
Under the National Credit Act regulations, consumers are entitled to one free credit report per year from each registered credit bureau.
Why it matters
Checking your report regularly helps you spot errors, outdated listings or accounts you do not recognise — a possible sign of identity fraud.
What to look for
- Personal details and addresses.
- Accounts and their payment status.
- Adverse listings, judgments and their dates.
- Recent enquiries you did not authorise.
If something is wrong
You may dispute inaccurate information with the bureau, which must investigate. Keep copies of all correspondence.
CrediSure Consultings provides credit advisory and assistance services. Eligibility and outcomes depend on individual circumstances, creditor responses and applicable legal requirements. No specific result, credit score improvement, debt deletion or loan approval is guaranteed. Information on this website is general in nature and is not legal advice.