MY PERSONAL CREDIT REPORT

Transcription

1 MY PERSONAL CREDIT REPORT NAME: JUST GOOFY ID NUMBER: DATE: 07 APRIL 2014 PREVIOUS ENQUIRY DONE: 07 APRIL 2014 CREDIT REPORT BREAKDOWN A - YOUR PERSONAL DETAILS B - YOUR PORTFOLIO C - PERCEPTION IN THE MARKET D - ACCOUNTS DATA E - DISPUTES F - CREDIT ACTION PLAN

2 A - YOUR PERSONAL DETAILS PERSONAL INFORMATION This section displays all of your identification and personal information such as your name, ID number and contact details. NAME ID NUMBER DATE OF BIRTH JUST GOOFY /08/1974 ADDRESS INFORMATION This section shows all your current and previous addresses. ADDRESS TYPE ADDRESS POSTAL CODE DATE CREATED RESIDENTIAL 123 HHJJGFFGH /10/2011 RESIDENTIAL 123 TEST STREET NONE 05/10/2011 RESIDENTIAL HOME /09/2011 RESIDENTIAL 5 TURFHALL MEWS /09/2011 POSTAL 5 TURFHALL MEWS /09/2011 CONTACT INFORMATION This section shows all your current and previous contact numbers. CONTACT NUMBER TYPE CONTACT NUMBER DATE CREATED WORK HOME CELL CELL CELL EMPLOYER INFORMATION This section includes information on your current and previous employment. EMPLOYER NAME EMPLOYER TYPE PAYMENT NO EMPLOYEE NO OCCUPATION ACTIVE DATE TRANS NAMIB H2O INTERNATIONAL SA LATEST EMPLOYER NEW EMPLOYER TORTEL COMPUSCAN Please check that all your personal details are correct and up-to-date. You can contact Compuscan on should your details be incorrect. Page 2 of 20

3 B - YOUR PORTFOLIO YOUR CREDIT SCORE Your credit score is based on your full credit profile and is the score that credit providers use when deciding whether or not to extend credit to you. Please remember that the score will vary across credit bureaus 614 SCORING BANDS Minimum Risk: Low Risk: Average Risk: High Risk: You are here. Very High Risk: Leave accounts open, especially those with balances. You might be tempted to close credit card accounts that have become delinquent, but wait. Before you close any account make sure it won t negatively affect your credit. For example, closing a credit card with a balance can hurt your credit score if the lender also stops reporting your credit limit. It s very rare that closing a credit card will improve your credit score. Page 3 of 20

4 B - YOUR PORTFOLIO DISTRIBUTION OF YOUR TOTAL CREDIT The pie chart below shows how your total credit commitments are divided between the different types of credit so you can determine on which type of credit you have the most outstanding debt. DISTRIBUTION OF YOUR MONTHLY CREDIT The pie chart below shows how your monthly credit repayments are divided between the different types of credit so you can clearly understand on which type of credit you are paying the most each month. YOUR INCOME TO DEBT RATIO If you entered your income on mycreditcheck.co.za you will be able to determine the ratio between your monthly income and credit repayments. The greater your income compared to your debt the better your financial stability. YOUR LIFESTYLE INDEX This cannot be determined without the income to debt ratio Page 4 of 20

5 C PERCEPTION IN THE MARKET To ensure you do not take on more credit than you can afford check your credit report regularly to examine your financial commitments. Also create a monthly budget to determine your financial obligations and assist you to manage your repayments. PERCEPTION IN THE MARKET This section is an overview of how you are perceived in the credit market from credit providers who are likely to grant you credit. 42% Your CompuScore is 614 which is considered high risk, 24% of the South African population have similar scores and at least 18% have lower scores. The below graph indicates South Africa s population and their credit scores. The star indicates the scoring bracket in which you fall. Page 5 of 20

6 D ACCOUNTS DATA CREDIT SUMMARY This section provides an overview of your current credit commitments as well as the number of enquiries done on you by credit providers and any potentially negative information that may be on your credit record. ADDRESSES 5 TELEPHONE NUMBERS 5 EMPLOYER INFORMATION 5 JUDGMENTS 0 DEFAULTS 0 DEBT COLLECTORS 5 DEBT RESTRUCTURING 6 ADMINISTRATION ORDERS 1 FRAUD ALERTS 0 PREVIOUS ENQUIRIES 15 PROPERTIES OWNED 0 DIRECTORS INFORMATION 1 CPA ACCOUNTS 14 NLR ACCOUNTS 50 PAYMENT BEHAVIOUR This graph is a visual representation of your accounts and repayment behaviour over the past 24 months. Be consistent with your credit repayments. Try to pay more than the owed amount on your repayments and stick to it. Doing this will increase your credit score. Page 6 of 20

7 D ACCOUNTS DATA NEGATIVE INFORMATION This section shows any negative information on your credit record. This includes judgments, administration, sequestration, rehabilitation orders, debt review statuses; this is the result of any legal action by credit providers taken against you. JUDGMENTS Should you have any judgments against your name this will appear here. If you do not repay your debt or fail to respond to reminder letters, a credit provider can apply for a judgment against you. The judgment is an order from a court of law (Magistrate or High courts) which compels you to make the outstanding payments and grants the creditor the right to take action against you in order to collect the outstanding debt. DEFAULTS In this section all accounts that you failed to repay will be listed. DEBT COLLECTORS This section will indicate if you have been handed over to a debt recovery agent for collections. STATUS DATE ACCOUNT INDUSTRY NO EMPLOYER STATUS COMPANY AMOUNT CONTACT PROMISE TO COMPUSCAN HEAD COMPUSCAN - R PAY OFFICE CS YEAH DECEASED COMPUSCAN HEAD COMPUSCAN - R 1, OFFICE TEST ACCOUNT DATAOPS - CS NLR TEST 1 R BEING REPAID TEST ACCOUNT DATAOPS - CS NLR TEST 1 - BEING REPAID TEST PAID UP CS NLR TEST 1 R 3, DATAOPS DEBT RESTRUCTURING If you are currently under debt restructuring or debt review this information will display here. REG NO CONTACT CONTACT NUMBER APPLICATION DATE STATUS DESCRIPTION STATUS DATE NCRDC117 Lennard Allen Brian Application for voluntary debt restructuring ADMINISTRATION ORDER If you are unable to repay your debt and have applied for an administration order this information will appear here. CASE NUMBER APPLICATION DATE GRANTED DATE STATUS NAME Application Inc FRAUD ALERTS If you have been a victim or perpetrator of fraud or been under protective registration (when you have reported that your ID or passport is stolen or lost), a fraud alert will show in this section. Page 7 of 20

8 D ACCOUNTS DATA Make sure that all the data in this report is correct, if you d like to query something, please log a dispute with us by calling or ing disputes@compuscan.co.za PREVIOUS ENQUIRIES The list of previous enquiries shows which organisations have conducted an enquiry on you and have viewed your credit report. ENQUIRY DATE SUBSCRIBER CONTACT CONTACT NUMBER :51 WinDeed RuaanB :48 WinDeed RuaanB :47 WinDeed RuaanB : Cash - Comm City Ariane Baga (031) / :59 Compuscan INTEGRATION TEST Compuscan :06 ifacts RuaanB :58 Finbond NSV2 RuaanB :53 Finbond NSV2 RuaanB :51 Finbond NSV2 RuaanB :07 Finbond NSV2 RuaanB :39 Finbond NSV2 RuaanB :21 Finbond NSV2 RuaanB :37 GetBucks CODIX Test CraigB :11 WinDeed RuaanB :49 WinDeed RuaanB If you are not aware of any of the enquiries on your credit report it may be the result of identity theft. Contact Compuscan on PROPERTIES OWNED This section indicates all the properties owned by you and gives both the property and bond information. OWNERSHIP DETAILS BOND DETAILS DIRECTORS INFORMATION If you are a director of a company, details of your directorship will appear on your credit report. COMPANY NAME C K CATERING SERVICES MEMBER TYPE Member COMPANY REG NUMBER 2009/040691/23 APPOINTMENT DATE REGISTRATION DATE MEMBER STATUS Active ENTERPRISE TYPE Close Corporation (CC) MEMBER STATUS DATE ENTERPRISE STATUS AR FINAL DEREGISTRATION MEMBER SIZE 100 STATUS DATE MEMBER CONTRIBUTION R BUSINESS START DATE SIC CODE OTHER SERVICE ACTIVITIES Page 8 of 20

9 D ACCOUNTS DATA ACCOUNTS SUMMARY Here you will see a summary of your accounts which includes the current combined balance of all your credit facilities, the combined instalment value, cumulative arrears amount and the worst months in arrears. CPA ACCOUNTS ACCOUNT SUPPLIER OPEN DATE TELESURE INVESTMENTS STD BANK - HOME LOANS STD BANK - HOME LOANS FNB - WESBANK MOTOR L TRACKER NETWORK VODACOM CELL C CELL C CELL C TELESURE INVESTMENTS TELESURE INVESTMENTS BAYPORT FINANCIAL SERVICES FNB - WESBANK MOTOR L AFRICAN BANK - CREDIT CARD ACCOUNT TYPE Insurance Home s Home s OPENING BALANCE INSTALMENT CURRENT BALANCE CUMULATIVE ARREARS AMT R 0.00 R R R R 162, R 1, R 166, R R 782, R 7, R 481, R Instalment R 114, R 6, R 6, R Service Related account withou Service Related account withou Service Related account withou Service Related account withou Service Related account withou Insurance Insurance Service Related account withou R 0.00 R R R R 0.00 R R R R 0.00 R 0.00 R 0.00 R R 0.00 R 0.00 R 0.00 R R 0.00 R 0.00 R 0.00 R R 0.00 R 0.00 R 0.00 R R 0.00 R 0.00 R 0.00 R R 0.00 R 0.00 R 0.00 R Instalment R 480, R 0.00 R 0.00 R Credit Card Account R 24, R 0.00 R 0.00 R MONTHS IN ARREARS NLR ACCOUNTS ACCOUNT SUPPLIER OPEN DATE ABC ACCOUNT TYPE Term with direct collection OPENING BALANCE INSTALMENT CURRENT BALANCE CUMULATIVE ARREARS AMT R 5, R R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R MONTHS IN ARREARS Page 9 of 20

10 R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R R R 0.00 R 0.00 R Page 10 of 20

11 D ACCOUNTS DATA ACCOUNT DETAILS This section contains further information on your existing and past credit accounts and shows how you have managed these account repayments each month as well as the current status of the account. P PAID UP OK PAYMENT RECEIVED - NO DATA ACCOUNT DAYS IN ARREARS SUPPLIER TELESURE INVESTMENTS ACCOUNT TYPE Insurance ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R LAST PAYMENT DATE MONTHLY INSTALMENT R PAYMENT STATUS OPEN/CURRENT SUPPLIER STD BANK - HOME LOANS ACCOUNT TYPE Home s ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE OPEN BALANCE R 162, CURRENT BALANCE R 166, LAST PAYMENT DATE MONTHLY INSTALMENT R 1, PAYMENT STATUS OPEN/CURRENT SUPPLIER STD BANK - HOME LOANS ACCOUNT TYPE Home s ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE OPEN BALANCE R 782, CURRENT BALANCE R 481, LAST PAYMENT DATE MONTHLY INSTALMENT R 7, PAYMENT STATUS OPEN/CURRENT SUPPLIER FNB - WESBANK MOTOR L ACCOUNT TYPE Instalment ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE OPEN BALANCE R 114, CURRENT BALANCE R 6, LAST PAYMENT DATE MONTHLY INSTALMENT R 6, PAYMENT STATUS OPEN/CURRENT SUPPLIER TRACKER NETWORK ACCOUNT TYPE Service Related account withou ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R LAST PAYMENT DATE MONTHLY INSTALMENT R PAYMENT STATUS OPEN/CURRENT SUPPLIER VODACOM ACCOUNT TYPE Service Related account withou ACCOUNT NO I OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R LAST PAYMENT DATE MONTHLY INSTALMENT R PAYMENT STATUS OPEN/CURRENT SUPPLIER CELL C ACCOUNT TYPE Service Related account withou ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS PAID UP STATUS DATE OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS PAID UP SUPPLIER CELL C ACCOUNT TYPE Service Related account withou ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS PAID UP STATUS DATE OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS PAID UP SUPPLIER CELL C ACCOUNT TYPE Service Related account withou ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS PAID UP STATUS DATE OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS PAID UP Page 11 of 20

12 SUPPLIER TELESURE INVESTMENTS ACCOUNT TYPE Insurance ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS CANCELLED BY CLIENT STATUS DATE OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS CANCELLED BY CLIENT SUPPLIER TELESURE INVESTMENTS ACCOUNT TYPE Insurance ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS CANCELLED BY CLIENT STATUS DATE OPEN DATE OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS CANCELLED BY CLIENT SUPPLIER BAYPORT FINANCIAL SERVICES ACCOUNT TYPE Service Related account withou ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R 0.00 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED SUPPLIER FNB - WESBANK MOTOR L ACCOUNT TYPE Instalment ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R 480, CURRENT BALANCE R 0.00 LAST PAYMENT DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED SUPPLIER AFRICAN BANK - CREDIT CARD ACCOUNT TYPE Credit Card Account ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R 24, CURRENT BALANCE R 0.00 LAST PAYMENT DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED SUPPLIER ABC ACCOUNT TYPE Term with direct collection ACCOUNT NO JEAN TEST OVERDUE AMOUNT - ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE OPEN BALANCE R 5, CURRENT BALANCE R LAST PAYMENT DATE - MONTHLY INSTALMENT R PAYMENT STATUS OPEN/CURRENT SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS COOLING OFF SETTLEMENT STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS COOLING OFF SETTLEMENT SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS COOLING OFF SETTLEMENT STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS COOLING OFF SETTLEMENT SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS COOLING OFF SETTLEMENT STATUS DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS COOLING OFF SETTLEMENT Page 12 of 20

13 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS COOLING OFF SETTLEMENT STATUS DATE MONTHLY INSTALMENT R 0.00 PAYMENT STATUS COOLING OFF SETTLEMENT SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS COOLING OFF SETTLEMENT STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS COOLING OFF SETTLEMENT SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS COOLING OFF SETTLEMENT STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS COOLING OFF SETTLEMENT SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R Page 13 of 20

14 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R Page 14 of 20

15 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R Page 15 of 20

16 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 Page 16 of 20

17 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R Page 17 of 20

18 SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 OPEN DATE OPEN BALANCE R SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED SUPPLIER MINERVA TRADING CC ACCOUNT TYPE ACCOUNT NO OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE OPEN DATE OPEN BALANCE R MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED Page 18 of 20

19 E DISPUTES FREE DISPUTE PROCESS If any of the information contained in this report is incorrect or unfair, you may log a complaint with Compuscan via the website or call centre. Visit our website on or contact our call centre on When you contact our call centre, you will be supplied with a Compuscan reference number. Allow 20 business days for Compuscan to resolve your dispute or query. During this time Compuscan will contact the supplier of the disputed data for further information and evidence relating to the data. If by the 20 business day period Compuscan does not receive credible evidence from the supplier to support the data, the dispute will be resolved in your favour. However, should the supplier provide credible evidence in support of the disputed data after the 20 business days has lapsed, Compuscan will reload the data onto your profile. If you are dissatisfied with the outcome or did not get an answer from us, please contact the Credit Ombud on or at for further assistance, their services are free to consumers. REINSTATEMENT OF THE LISTING If any of the information is reinstated and you still feel that it is incorrect or unfair, please contact the Credit Ombud on or at for further assistance, their services are free to consumers. HOW TO LOG A DISPUTE Consumers can log disputes on Compuscan s website, or by calling our call centre on You will be required to send us: A copy of your ID Your reason for logging the dispute If you are disputing a judgment or admin order, we will need a rescission document Once you have logged your dispute, Compuscan will investigate the matter with the relevant credit provider. Once we have received feedback, we will update and resolve the dispute. You will be contacted once the dispute has been resolved. Page 19 of 20

20 F CREDIT ACTION PLAN YOUR CREDIT ACTION PLAN Step 1: Get your credit report and analyse it Step 2: Track your spending and put together a budget Step 3: Pay off your debt Step 4: Make smarter financial decisions and manage your spending Step 5: Subscribe to receive alerts from Compuscan to stay informed IMPROVE YOUR PERCEPTION IN THE MARKET In order to ensure your credit report is healthy and places you in a good light with credit providers it is essential that you monitor it regularly. Apart from offering you an annual free credit report Compuscan also gives you the option to constantly monitor your report for changes or inaccuracies. With our monthly monitoring and alerts service you will receive sms or alerts whenever anything critical changes on your credit report. In addition, you will have constant access to your credit report 24 hours a day. This service is invaluable in the fight against fraud as you will be able to identify irregular activity on your report should anyone use your identity to acquire credit. This service is available in the below options: Annually at a rate of R220 (once off for 12 months access - one month free access) Monthly for R20 per month Page 20 of 20