A practical walkthrough of the sections on a South African credit report.
South African consumers are entitled to a free credit report from each bureau once a year. Reviewing it regularly helps you spot errors early.
Main sections
- Personal information
- Account information and payment profiles
- Enquiries
- Adverse information and judgments
- Debt review status
What to look for
Check that accounts belong to you, balances are correct and paid-up accounts reflect as settled.
If you find an error
Keep a copy of the report, identify the disputed entry and collect supporting documents. Use the bureau’s dispute process and retain the reference number. If the matter remains unresolved, check whether the National Financial Ombud can consider that complaint. Accurate information is not necessarily removable just because it affects your score.
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.