Where Can I Get My Credit Report In South Africa
A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Most people have more than one credit report.
Getting your free credit report and score
Getting your free credit report and score
Since the acquisition of Compuscan in 2019, Experian has provided free credit reports and free credit scores on My Credit Check and My Credit Expert, which are our easy-to-use, online portals that allow all South African citizens with valid South African ID numbers to access their credit information via their extensive credit reports.
Whether you are a first-time credit report user or not, My Credit Check and My Credit Expert will help you understand your credit data, show you how to monitor accounts, manage debt, and improve your credit profile.
You can access your credit reports through either the My Credit Check or My Credit Expert portals
- My Credit Check
- The My Credit Check portal, available at www.mycreditcheck.co.za, references data from the Experian Sigma database, which is the historical Compuscan bureau database.
- Your My Credit Check credit report and credit score are generated from the Experian Sigma database.
- My Credit Expert
- The My Credit Expert portal, available at www.mycreditexpert.co.za, references data from the Experian database.
- Your My Credit Expert credit report and credit score are generated from the Experian database.
Note: Your credit score based on the Experian Sigma Database may be different to the one based on the Experian Database because the formulas and variables used to create the scores differ. Currently, these two databases and the scoring models are kept separate.
How do I get my credit history in South Africa?
You can access your credit reports through either the My Credit Check or My Credit Expert portals. The My Credit Check portal, available at www.mycreditcheck.co.za, references data from the Experian Sigma database, which is the historical Compuscan bureau database.
How long does a credit record last in South Africa?
How long does information stay on my report?
| Information | Time might stay on a credit report |
|---|---|
| Credit enquiries | 12 months |
| Missed Payments | 5 years |
| Debt restructuring | Until a clearance certificate has been issued |
| Defaults | 5 years |