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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.

25 comments

By JBagley – 11 September 2006

25 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



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