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How to get your credit record from the credit bureau

On the 1st of September, the new Credit Act came into affect, meaning that you are now able to view your credit rating once a year, free of charge.

What is my credit rating?

It is an electronic file with all your information on how you repay your bank loans, store accounts like your Edgar’s card, credit cards and other debt. All these financial providers send this information to credit bureau’s who in turn share this information with each other. They also get information from the courts about judgements against you from debtors.

How to get hold of your credit record

You can apply to see you credit record in the month you were born. So if you were born in June, like me, you can apply to see your credit record in June 2007, but if you were born in September, then this month is your lucky month!

Phone the National Credit Regulator (NCR) who will direct you to the nearest Credit Bureau. All Credit Bureau’s have to be registered with the NCR.

National Credit Regulator
Tel: 0860-627-627
Email: info@nrc.org.za

Why should I check my credit record?

You don’t want to be black-listed and / or have a bad credit record, as the next time you want to buy anything on credit, from a store card to purchase clothes, to a house, you will find it very difficult to get anyone to lend you money. Having debt isn’t always a bad thing, especially assets like houses, or using a credit card properly. So check your credit record, to make sure someone hasn’t made a mistake with one late payment, or missed updating an account you paid off ages ago.

Posted in South Africa.

48 comments

By JBagley – 11 September 2006

48 Responses

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  1. Nelly says

    I don’t understand how this new Act work.Please explain it in simple english.

    23 May 2007, 7:27 am Reply
  2. chantal willers says

    Hi There,

    I have been living in the Middle East for the past two years and want to buy a house back home in SA. I dont know if I I have any hidden outstanding accounts that I am not aware of.How can I find out?
    ID NO 7812190098088

    Thanks
    Chantal

    21 June 2008, 2:31 pm Reply
  3. Violet Mphuthi says

    Hi

    I will like to check my credit history as I need to buy myself a house.

    Regards

    Violet Mphuthi

    26 January 2009, 3:13 pm Reply
  4. Ntombi Msimango says

    Hi
    I would like to view my credit record as I need to buy a car.

    Regards

    Ntombi Msimango

    5 February 2009, 4:01 pm Reply
  5. CJ VAN WYK says

    I would like to know my credit record, i want to buy a car

    18 February 2009, 1:41 pm Reply
  6. Miccah says

    Hello. I would like to know about my credit record.

    Regards,
    Vusi

    10 March 2009, 8:14 am Reply
  7. VUSANI MASHAU says

    I would like to know my credit record, i want to buy a car

    12 March 2009, 10:00 am Reply
  8. Carol says

    Hi

    I would like to know of my credit record. My I.D. Number is 7701170456087. Please inform me via the email addrress.

    Carol

    4 May 2009, 12:21 pm Reply
  9. Boitumelo says

    Hi
    I would like to know my credit record. My I.D. Number is 8110060890811,Please inform me with via email address.

    7 May 2009, 10:20 am Reply
  10. MMANGWATHI PEGGY says

    I WOULD LIKE TO KNOW MY CREDIT RECORD. MY ID NUMBER IS 7702140828082 PLEASE INFORM ME WITH VIA EMAIL ADDRESS.

    25 May 2009, 5:01 pm Reply
  11. Sbongile says

    Hi

    I would like to check my credit record for i want to buy new furniture.

    7409130519081

    Regards

    11 June 2009, 3:26 pm Reply
  12. shawn says

    Hi

    I would like to check my credit record for i want to buy new car

    23 July 2009, 4:34 pm Reply
  13. mthandazo says

    I would like to check my credit record for i want to buy house material

    19 August 2009, 1:56 pm Reply
  14. Heidee Mitchell says

    I woul like a credit history report as I’d like to clear all outstanding debt

    6 October 2009, 2:20 pm Reply
  15. palesa says

    I would like to check my credit record because I would like to buy a car

    21 October 2009, 9:34 am Reply
  16. milli vanilli says

    Morons, dont post your ID numbers. Check out mytransunion.co.za they are supposed to give you a free credit check each year, as required by law.

    13 January 2010, 3:03 pm Reply
  17. dannyboy christian says

    can you email me my status because i have been blacklisted 5 years ago

    my email is ncedom@ymail.com

    12 April 2010, 5:16 pm Reply
  18. T k Motaung says

    i will like to know about my credit record

    3 January 2011, 12:25 pm Reply
  19. Piet die piele man says

    Guys dont spam a site and be a retard, this is a clear description of what YOU must do to check your OWN rating!

    11 February 2011, 2:55 pm Reply
  20. LEONARD ARJUNUN says

    I WOULD LIKE TO KNOW ABOUT MY CREDIT RECORD

    5 May 2011, 11:41 am Reply
  21. mdaka sidwell says

    hi! i would like to check my name credit record

    7 June 2011, 12:15 pm Reply
  22. MMILO MOGOSHANE says

    I WOULD LIKE TO CHECK MY NAME AT CREDIT RECORDS

    29 June 2011, 4:10 pm Reply
  23. kenneth says

    Hi
    I’m Kenneth i want to buy a house please i want advice if my credit status can allow me to. Please reply via my e-mail.
    Thank u in advance

    12 July 2011, 2:53 pm Reply
  24. kenneth says

    Hi
    I’m Kenneth id no. 7011035549088 i want to buy a house please i want advice if my credit status can allow me to.
    Thank u in advance

    12 July 2011, 2:55 pm Reply
  25. rakesh says

    need 2 know my availabity 4 credit

    10 October 2011, 6:24 pm Reply
  26. Michael baloyi says

    Wil u pls send me my details if my nameis on creadit id no:8106255381086

    16 April 2012, 8:45 pm Reply
  27. simon says

    i would like to check my credit record id 7505036315084 mokoena s.s

    20 April 2012, 9:05 am Reply
  28. Precious Nomcebo Mathe says

    I would like to check my credit record my ID no is 8202221408085. I want to buy a house

    8 May 2012, 9:51 pm Reply
  29. Tilivhali magadzu says

    Hi, my name is in credit buruan i want to know what must i do for u to remove it? And i have done to pay may credit. Please help with e-mail

    Thank

    23 May 2012, 5:42 pm Reply
    • Alfred says

      hi my name is in credit buruan i wwant to know what must i do for you to remove it? and i have done to pay my credit. please help id 8302085275081

      21 December 2012, 7:15 pm Reply
  30. Tilivhali magadzu says

    Hi, my name is in credit buruan i want to know what must i do for u to remove it? And i have done to pay may credit. Please help with e-mail
    Id 8501235969085
    Thank

    23 May 2012, 5:42 pm Reply
  31. Lovedalia Ncumisa Ntlebi says

    I would like to know about my credit status please reply me via sms or email my id is 6508250850085 my cell is 0764644927

    9 June 2012, 7:21 am Reply
  32. M.E KOLISANG says

    I WOULD LIKE TO KNOW IF I AM BLACKLISTED, PLEASE SEND MY CREDIT STATUS VIA MY G-MAIL ADDRES. MY ID NUMBER IS 8411056207088

    21 June 2012, 3:02 pm Reply
  33. Nolundi Maleki says

    I would like to know the total credit amount I owe to the creditors so that I will know which step to take inorder to be free from credit bureau.

    11 July 2012, 9:24 am Reply
  34. ndanduleni zwino matsenene says

    hi i ll like to know my credit record.my ID:7707076034084

    6 August 2012, 12:45 pm Reply
  35. mmakwena albert galane says

    Hi I would like to know about my credit record as I want to buy a house,my I’D no is;8110285567086 thnx bye.

    19 September 2012, 6:54 pm Reply
  36. zukiswa says

    I would like to check my name on credit record, I want to buy a car. Indentity no. 801206 0536 080. Plz I need ur assistance.

    3 October 2012, 9:58 am Reply
  37. thato matlou says

    hi i wud like to view my records as i wana buy a house and a car

    22 October 2012, 10:03 am Reply
  38. Alfred says

    Hi my name is in credit buruan i want to know what must i do for you to remove it? and i have done to pay my credit. please help (id 8302085275081)

    21 December 2012, 7:24 pm Reply
  39. JOHN MAELANE says

    I WANT TO KNOW MY CREDIT RECORDS MY IDENTITY NUMBER IS 8603015386082 REPLY PLC

    11 February 2013, 1:59 pm Reply
  40. Armindo Lima says

    I would like to know my credit record, thank you

    12 February 2013, 11:12 pm Reply
  41. T Smit says

    Pls contact me as would like to know credit record.

    11 April 2013, 2:49 pm Reply
  42. bala moodley says

    dear sir /madam
    please can you check what is my credit record

    i d number 5401065066081

    3 May 2013, 7:47 pm Reply
  43. Kredit günstig says

    hen, ein Privatdarlehen, ein Auto Darlehen aufgabeln oder Hypothek.
    9-Keep an eye on the budget-especially until the campaign takes
    off and becomes profitable. Popular industries amount
    angel speculators include auto repair organisations, medical businesses, law corporations,
    and other companies which were always in need.

    10 May 2013, 4:17 pm Reply
  44. Nndwa Dennis says

    Am Nndwa Dennis(my I.D is 791123 5833 085 Email is shineheadn@gmail.com) I like to know if I have bad Credit record, I would like to buy a car.

    12 May 2013, 8:51 pm Reply
  45. martha mphuthi says

    Hi my name is Tisetso Moloi i would like to buy a car now i want to know my credit record

    16 May 2013, 3:32 pm Reply
    • martha mphuthi says

      Hi my name is Tisetso Moloi i would like to buy a car now i want to know my credit record
      id number is 8410015834081

      16 May 2013, 3:38 pm Reply
  46. Lorraine madlala says

    Hi i want to check my credit status,want to buy a car

    21 May 2013, 8:04 pm Reply



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