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What is a credit bureau?
The bureau is responsible for collecting and maintaining consumer and company credit data relevant to a person or company’s lending history and habits. Credit bureaus make their money through selling this information to authorised users (credit providers) such as banks, mortgage lenders, credit card companies and micro lenders. A credit bureau does not decide whether you qualify for credit or not.
Who is Compuscan?
We are one of the biggest credit bureaus in South Africa. The company was established in 1994 and has ever since become one of the most reputable and trustworthy credit bureaus. We are committed to providing total credit reporting and risk management solutions to clients in the microfinance and corporate sectors. Over the years, we have evolved from being a local credit information agency to a full service credit bureau, delivering solutions across Africa.
How does a credit bureau help me?
Credit bureaus will help you improve your financial wellbeing through giving you valuable advice on how to maintain a healthy credit score and build a favourable credit record. We also assist you in disputing information which is wrongfully displaying on your credit report.
Do credit bureaus decide whether I should get credit?
Credit bureaus are not credit providers, so they have no say in whether you are granted credit or not. However, the data we provide to potential credit providers will assist them in making that decision, which is why it is so important for you to get your credit report and take control over your credit reputation.
Credit bureaus only house the information they receive from the credit provider. If the information on your report is false (this can happen for many reasons), you have to notify us by lodging a dispute (at no cost). The bureau will then investigate the matter to clear the false information, which might help to improve your credit score.
How are credit-granting decisions made?
Each credit provider has their own data analysis criteria, from which they will indicate a person’s risk profile. You will have a different credit score at each credit bureau, which will show whether you are a high or low risk borrower. Some providers will decline you because of one default and some will charge you a high interest rate instead. It is best to ask a potential credit provider about their criteria, in order to manage your debt in such a way that your reputation with them will grant you access to credit.
What are credit scores and how do lenders use them?
A credit score is a mathematical algorithm that uses information from your credit report to determine how likely you are to pay back a loan. Credit providers use this three-digit number, which is influenced by pre-determined credit granting criteria, in order to calculate your score.
How often can I get my FREE credit report?
By law, registered credit bureaus have to give you one free report per year. This means that you may get one FREE report at any time during the calendar year (with every new year you may get another free report). Should you need to access your report more than once in a year, you will be charged a fee.
How can I make sure my credit report does not stop me from getting a job?
Your credit report is not the only deciding factor on whether or not you’ll get a job. In fact, according to law, potential employers may only deny you a job based on a bad re port if you are applying for a financial position or will have to handle money. Your report is important to a potential employer to ensure they are dealing with a factual person. Employers will generally not see your detailed credit information on your report but they will look at data indicating fraud, your public information and personal information.
What must I do of the One Time Pin is not working?
You will receive a One Time Pin (OTP) when you register. Please allow 5 minutes for the OTP to be delivered after clicking “resend”. The OTP will be valid for two hours only. You will need to resend a new OTP to your cell phone after it expires.
If you cannot enter the OTP to complete the registration process more than 5 times, your account will be locked. You will then need to supply us with more info in order for our consumer care agent to unlock your account. Simply click on Live Chat at the bottom of the screen to contact us.
Did not receive your OTP or having problems entering the OTP?
Check that your details are correct and that you entered the correct OTP that was sent to you
Request another OTP and wait for 5 minutes to make sure you’ve received it.
How do I pass the Person Verification process?
In order for us to protect you, we need to verify that the user at the end of the computer is in fact you. If you cannot positively identify yourself after one attempt, your account will be locked.
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Try refreshing the page.
Click “register” and re-enter your ID Number. Your new OTP will be sent and you can retry loading the security questions.
Enter your new OTP which will be sent to you.
Check if your questions have loaded successfully. If not, chat to us in the Live Chat below and we will kindly assist you.
What information does my credit report contain?
Personal information – your name, surname, ID number, current address, contact number, date of birth, current and previous employment information
Your credit history – this includes details on your monthly accounts payment information
Accounts Data – shows who you have taken credit from and how much you still owe
Previous Enquiries – shows who has requested to see your report in the past and when
Public Record Data – all data from public records supplied by government sources. These include: judgments, sequestration, liquidation, administration, rehabilitation orders, debt review status and fraudulent impersonation alerts.
Can anyone view my credit report?
No, we will only release your credit report to you or any third party after obtaining your permission to do so.
There’s very little info on my report. What must I do?
When the credit bureau does not have sufficient data to compile your report, we will refer to your report as a “thin” file. This is most likely due to the fact that you do not have many accounts or none at all. If you wish to get access to credit, you should work on building a good credit reputation. You should start with a small credit account and be diligent in payments to create a positive credit score.
What is adverse information?
Adverse means “to prevent success or development; unfavourable” and is a word used when referring to information on your report that will cause potential credit providers to deny you credit.
Adverse information includes the following statuses on your report: Slow paying, Delinquent, Default, Non-contactable, Absconded, Written off, Repossession, Facilities/Credit Card Revoked and Handed Over.
Do credit reports show when I was denied credit?
No. Potential credit providers will however be able to see how many enquiries by other lenders have been made on your profile, but nowhere will it state if the applications were unsuccessful.
Can adverse information to be removed from my credit report?
You cannot have negative information removed from your report unless:
The information is inaccurate and we can confirm it through the standard dispute process
The information relates to a paid-up judgment that according to the Removal of Adverse Consumer Credit Information and Information Relating to Paid-up Judgments Regulations has to be removed on an on-going basis.
Adverse information such as Slow paying, Delinquent, Default, Non-contactable, Absconded, Written off, Repossession, Facilities/Credit Card Revoked and Handed Over is subject to a two year retention period and can only be removed from your report if it is factually incorrect.
What should I do if I have lost my ID?
Criminals may use your lost or stolen ID to commit fraud in your name. Immediately report it to the police, fill in an affidavit and obtain a case number. You must then phone SAFPS (Southern African Fraud Prevention Service) on 0860 101 248. SAFPS will send you forms to complete which you must then send back to them. Also fax a copy of the police affidavit and a case number to Compuscan and we will place an alert on your credit profile and monitor enquiries on your identity.
Why do I need a credit report if I don’t owe any money?
There are many reasons to get your report, even if you don’t have credit. Your identity could still be at risk, since the information on your report does not only show credit data, but other information such as your personal details. Your credit report can be an important tool to monitor your personal info even if you don’t owe any money. Your personal information may have changed (potential employers also do checks on interviewees). So, it’s best to keep your data up to date, regardless of the “credit” information displayed or not displayed. At some point in your life you will eventually take out a loan, cell phone contract or get insurance. It is advantageous to know and understand your credit report before you acquire credit for the first time.
How do I remove my name from the credit bureaus blacklist?
There is no such thing as a blacklist at any credit bureau. A blacklist refers to the negative data that were loaded against your report. Credit bureaus sort and hold both positive and negative information and provide information about your credit history and activities. The majority of the information held by Compuscan is in fact positive and will assist you in obtaining credit.
If you are denied credit and told that it is due to being “blacklisted”, you should request your credit report to see which adverse information is withholding you from applying successfully. Once you’ve identified the problem, you will then be able to improve your score.
I never miss a payment. Do I still need to view my report?
Just because you pay back all your accounts on time does not mean you don’t have to check and manage your credit report. It is important to monitor your account in case: you do forget to make a payment (we’re all human, right?), a credit provider makes an enquiry about you, and to make sure your information remains accurate. Also remember to use your credit report to detect any fraudulent activity against your record.
Does the amount of money that I owe affect my credit score?
Only your repayment history affects your score. Meaning, if you have been a bad payer, your score will reflect this. The total amount of your credit does not affect the outcome of your score, since your score is calculated according to your repayment actions and not by the amount you owe.
How is my credit score calculated?
Your credit score is used to determine the risk a credit provider takes when lending to you. You therefore want a high credit score that shows you are a low risk borrower; the higher the score, the better. This score is determined by a formula that is calculated by looking at a number of things related to how you manage your credit (both good and bad).Your score could be influenced by many things such as: adverse accounts, collections, defaults, time since your last account was opened, the number of accounts opened, recent enquiries etc.
The way these things influence each other within this formula is complex and can influence your score in many ways. For more information on how you can improve your score or what the possible drivers for a negative score could be, please contact our Consumer Care Department at [email protected] An agent will assist you with your specific questions.
Creating a User
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One Time Pin
You will receive a One Time Pin (OTP) when you register. Please allow 5 minutes for the OTP to be delivered after clicking “resend”.
If you are having issues completing a payment, simply supply us with more information or complete the form below.
Problem Logging a Dispute?
If you have tried everything to dispute personal or account information on your report, but you are still having problems, contact us on 021 888 6000.
Please confirm that all the details you entered are correct. Still not working? Try to register using the same username to make sure that your user exists.
You will receive an invoice when you choose a subscription. If any of the information on the invoice is incorrect, contact us or complete the form below.
We are serious about protecting your identity. If you cannot positively identify yourself after one attempt, your account will be locked.
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