Overview
Under Section 72 of the National Credit Act, every South African consumer is entitled to one free credit report per year from each registered credit bureau. Despite this legal entitlement, millions of South Africans never exercise this right — leaving inaccuracies, fraudulent listings, and unknown liabilities unchallenged on their profiles.
Practical Scenario
You struggle to navigate complex bureau websites and competing registration requirements to claim your legally mandated free annual report. The process is abandoned before completion, and the report is never obtained — allowing a two-year-old error to persist undetected.
Risk of Inaction
Missing your annual window to check for systemic errors, fraudulent accounts, or incorrect listings that may be suppressing your creditworthiness without your knowledge.
Structured Solution
A simplified, structured process to retrieve and store your statutory annual credit data — with contextual guidance on interpreting the information and connecting findings to relevant platform tools including dispute governance and monitoring.
Common Questions
Plan Qualification
Auto-Plan Recommendation
Answer three questions to receive a structured plan recommendation based on your current credit profile activity.
Have you applied for any form of credit (store card, loan, vehicle finance) in the last 6 months?
Do you currently manage more than 3 active credit facilities?
Are you planning to apply for a Home Loan or significant asset finance in the next 12 months?