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CREDIT>ROCKET

Transunion USA - Personal / Individual

FREE Credit Reports / Monitoring System

FREE ANNUAL CREDIT REPORT

Credit Bureau: Transunion

Bureaus Website

Bureau Division Country: USA

Countries of Reporting: USA, South Africa

PRODUCTS:

FREE Credit Report Products:

RESOURCES:

Credit 101:

Credit Management:

Credit Education:

Credit Tools:

Reading Your Credit Report

Transunion SA - Personal / Individual

FREE Credit Reports / Monitoring System

FREE ANNUAL CREDIT REPORT

Credit Bureau: Transunion

Bureaus Website

Bureau Division Country: South Africa

Countries of Reporting: USA, South Africa

Credit Report Products:

Credit Education:

Credit Report
Credit Score
Identity Theft
Credit Monitoring
Article Archives
Frequently Asked Questions
Blacklisted - LoanGIANT does not endorse nor use this misleading term in operations nor business.

Credit Report Assistance:

Support for Business:

Product Highlights:

An updated/ once off view of your TransUnion Credit Report.
Check your details to ensure that the information is accurate.
Displays any adverse court action taken against you.

Fewer than 5% of South African consumers make use of the legislation which entitles them to obtain their credit report free of charge from every credit bureau every year.

Experian USA - Personal / Individual

FREE Credit Reports / Monitoring System

FREE ANNUAL CREDIT REPORT

Credit Bureau: Experian

Bureaus Website

Bureau Division Country: USA

Countries of Reporting: USA, South Africa

CREDIT:

Free credit report

See your latest credit information
Free credit score

Get to know your FICO® Score
Experian Boost®

Raise your credit scores instantly
Experian Go

Establish and build your credit

CREDIT SUPPORT:

Security freeze
Disputes
Fraud alert
Contact us

CREDIT ADVICE:

How to remove credit inquiries
Collections on your credit report
What is a charge-off?
How bankruptcy works
When are late payments reported?
What is a perfect credit score?
Different types of credit scores
What factors affect your credit score?
How the FICO® Score Simulator works
Why did your credit score drop?
Why isn’t your credit score increasing?
When does your credit score improve?
Does a mortgage hurt your credit score?
How to build credit with credit cards
How credit repair works
How to build credit with no credit history
How to establish credit
How to get first-time credit
What does “credit invisible” mean?
Credit mistakes to avoid

PROTECTION:

Identity theft and fraud

ID monitoring, alerts and protection
Free personal privacy scan

Find your info on people finder sites

IDENTITY THEFT SUPPORT:

Security freeze
Fraud alert
Disputes
Contact us

Credit, Credit Report, Credit monitoring

Experian SA - Personal / Individual

FREE Credit Reports / Monitoring System

FREE ANNUAL CREDIT REPORT

Credit Bureau: Experian

Bureaus Website

Bureau Division Country: South Africa

Countries of Reporting: USA, South Africa

ANALYTICS & DECISIONING:

Consumer Credit

Credit Scorecards - Consumer Delphi

Credit Data & Models

Custom Scorecard Analytics

Bureau Analytics

Commercial Credit Scorecards - Delphi

Risk Analytics

Decision Management - PowerCurve

Customer Acquisition - PowerCurve Originations

Custom Risk Triggers

PowerCurve Strategy Management

Open Banking & PSD2

Forecasting with IFRS9

Collection Strategy Optimisation

Debt Management

BUSINESS INFORMATION:

Commercial Credit Risk Management

Credit Decisioning - SmartEvaluate

Business Intelligence

Business Debt Index

Optimisation

Marketswitch Optimisation

Strategy Tree Optimisation

DATA MANAGEMENT & MARKETING:

Data Management Platform (DMP)

Direct Marketing

Media Trading & Management

IDENTITY & FRAUD:

Application Fraud - NFPS

FraudNet Online Fraud Prevention

CyberAgent

CrossCore Fraud Management Platform

Fraud Strategy Optimisation

Fewer than 5% of South African consumers make use of the legislation which entitles them to obtain their credit report free of charge from every credit bureau every year.

Credit, Credit Report, Credit monitoring

Equifax USA - Personal / Individual

FREE Credit Reports / Monitoring System

FREE ANNUAL CREDIT REPORT

Credit Bureau: Equifax

Bureaus Website

Bureau Division Country: USA

Countries of Reporting: USA, South Africa

EQUIFAX PREMIUM PRODUCTS:

Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans.

EQUIFAX VALUE PRODUCTS:

Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts.

Equifax Complete™

Don’t let identity theft catch you off guard. Get better prepared to monitor your credit and help better protect your identity with Equifax Complete™.

Receive alerts of key changes to your Equifax credit report
Should you become a victim of identity theft, our dedicated ID Restoration Specialists will work on your behalf to help you recover

Learn More about Complete

My Personal Credit Home

Equifax Complete™ Family Plan

Help look after your family with credit monitoring and ID theft protection features.

Uncover potential fraud with 3-bureau credit monitoring and alerts
Feel more confident knowing that the dark web is being monitored for your Social Security Number
Help better protect up to 4 children by locking their Equifax credit report

Learn More about Family Plan

EQUIFAX VALUE PRODUCTS:

Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts.

My Personal Credit Home

Credit Scores - Understand credit scores, credit worthiness, and how credit scores are used in day-to-day life.
Credit Reports - Understand how your financial behavior impacts you and your credit, along with what is included on your credit reports and why.
Fraud & Identity Theft - Explore ways to better protect your information, plus warning signs of fraud and identity theft, and what to do if you believe your identity has been stolen.

Debt Management - Learn how debt can affect your credit scores, plus the different types of debt (both good and bad), and best practices for paying it off.

Credit Cards - Explore tips on getting the right credit card for you and what it means for your credit. Plus, managing credit card debt and what to do if you lost your card.

Personal Finance - Discover personal finance tips and tricks around everything from managing your money to saving and planning for the future.

Loans - Explore the nuances of the different types of loans, including personal and student loans, and the potential pros and cons of co-signing a loan.

Life Stages - Whether you’re saving up for a car, home, or college, learn how your credit can help remove friction from making milestone purchases.

Cybersecurity - Understand how to shop online more safely, how to create and store stronger passwords, and more.

COVID + Credit - Explore resources to help you navigate the financial aftermath of a global pandemic.

Visit Knowledge Center

Credit, Credit Report, Credit monitoring

XDS SA - Personal / Individual

Credit Bureau: XDS

Bureaus Website

Bureau Division Country: South Africa

Countries of Reporting: South Africa

CONSUMER PRODUCTS:

Presage Score - Generic

Affordability

Authentication

IDV

Income estimator

Risk scores

Fraud score

AVS

Admin Order Enquiry

Consumer Credit Application

Consumer KYC

Consumer Prevet / Custom Vetting

Credit Profile

Debt Review Enquiry

COMMERCIAL PRODUCTS:

CIPC

CIPC Plus

Business Standard Online Enquiry

Business Detailed Online Enquiry

Commercial Trace

Adverse Report

Director Enquiry

Commercial KYC

Account Verification

Bank Codes

DAA

Commercial Prevet

Deeds Enquiry

Investigative Report

Customised Report

Linkages

XDS ANALYTICS CAPABILITIES

Assists credit providers in improving their efficiency and increasing their profitability.

XDS PRESAGE ACCOUNT ORIGINATION SCORE

Predicts future payment delinquency i.e. the likelihood that the consumer will fail to make three or more payments on a newly opened account within the first year.

XDS INCOME PREDICTOR

Provides an estimate of a consumer’s monthly income.

HOUSEHOLD INCOME PREDICTOR

Provides an estimate of a household’s monthly gross income.

XDS AFFORDABILITY MODEL

Determines what the consumer can afford, at the time of application, based on predicted income of the consumer and a variety of expense types such as CPA and NLR, amongst others.

XDS PRESAGE CLIENT MANAGEMENT SCORE

This product was developed in order to assess existing clients on a periodic basis hence allowing credit providers to assign appropriate credit strategies.

XDS EARLY STAGE COLLECTIONS

Assists collection departments to ascertain which delinquent customers have the greatest likelihood of returning to positive payment behaviour.

XDS LATE STAGE COLLECTIONS

Assists collection companies, as well as internal collections departments, to ascertain which late stage delinquent customers have the greatest likelihood of making payment.

PAYMENT DATE GAP MODEL

Allows businesses, particularly collections departments and companies, to understand what time of the month a consumer is most likely to pay, and is particularly useful for NAEDO tracking.

GENERIC BOOK PRICING MODEL

Assists debt purchasers to determine a reasonable price for books that they are considering making an offer on by predicting cash flow.

GENERIC INDUSTRY & CUSTOMER PROFILING

Provides insights into what is happening across an industry as well as the current standing of a consumer’s book across three stages – acquisitions, current consumers & consumers in collection.

CONTACT ABILITY INDEX

Ranks likelihood of contacting consumers out of a list of possible contactable numbers.

Was your current loan application was declined?

For only now but we want to work with you to qualify on your next application in the immediate future.

Use the following links to sign up for the following:

FREE Credit Health system and information to start raising your Credit Score and Improve your Credit Profile for immediate future approval:

Use Experian and Transunion FREE Annual Credit Report to read each item and start disputes for any inaccuracies listed on either or both credit reports.

These links are directly with the two main credit bureaus used in South Africa for loan decision making:

FREE Experian Annual Credit:

Experian Credit Check, Dispute Online – Credit Reports

FREE Transunion Annual Credit:

Transunion Credit Check, Dispute Online – Credit Reports

Fewer than 5% of South African consumers make use of the legislation which entitles them to obtain their credit report free of charge from every credit bureau every year.

You can access your Experian and Transunion Credit reports once a year, for FREE.

Experian’s Sigma score gives you a good general view of where you stand and how financially healthy your credit report is.

As with all credit scores, Sigma rates your risk according to risk categories. Here are the score categories for Sigma:

No score = Not enough data
< 599 = Poor
599 - 615 = Below Average
616 - 633 = Average
634 - 657 = Good
> 657 = Great

What is a credit score?

A credit score, also known as a credit rating, is a number that reflects the likelihood of you repaying the money you want to borrow. Lenders like banks and credit card companies will look at your credit profile and calculate your credit score based on that information as well as their own, which will show them the predicted level of risk in lending to you.

Figures supplied by the National Credit Regulator revealed that in 2014, only around one million of the 22,8million credit active consumers in the country took up their right to access their free credit report.

Many people only check their credit reports when it is too late – for example after the credit they applied for in order to buy a house or a car has been turned down. Often, they cannot understand why this is so, particularly if they have ensured that they live within their means, don’t have too much debt and pay the full amount due on their accounts in full and on time every month.

Although the decision whether or not to grant credit does not lie with the credit bureau which compiles the credit report, this report is used by credit providers – banks, retail stores, cellphone companies and so on - when a consumer applies for credit or to open an account.

The credit provider uses the information in the credit report to score the applicant’s creditworthiness and decide, based on their own criteria, whether or not to grant the credit applied for, or whether to grant a lesser amount – and at what interest rate.

Regular examination of one’s credit report will enable consumers to check that all the information in it is accurate. Sometimes there could be errors or areas of dispute. For example, there were 22 822 disputes lodged about information held on consumer credit records for the quarter ended December 2014.

These disputes may have been no more serious that an error in name or address; but some could well have involved a far more serious issue such as inaccurate reflection of payments made.

A regular examination of one’s credit report could also provide timely warning to consumers that they might have been the victim of identity theft with the identity thieves running up enormous debt in their name.

Anyone who obtains their free credit report and has concerns about possible errors or discrepancies can contact the credit bureau that issued the report and lodge a dispute.

They should then provide the credit bureau with as much supporting documentation as possible – receipts or other evidence of payment. The bureau will investigate and respond to the consumer with the outcome within 21 working days.

Anyone can obtain their free TransUnion report directly from TransUnion

Understanding your finances is an important step in improving your financial health.

Looking for a new rover?

To get the best vehicle finance interest rates for your new ride, use your My Credit Check to improve your score.

Are you wanting to settle down?

Get a better home loan deal to buy a house and make it a home by ensuring your credit report contains accurate information.