MY PERSONAL CREDIT REPORT NAME: JUST GOOFY ID NUMBER: 7408285107080 DATE: 12 MARCH PREVIOUS ENQUIRY DATE: 12 MARCH CREDIT REPORT BREAKDOWN A - PERSONAL DETAILS B - PORTFOLIO INFORMATION C - PERCEPTION IN THE MARKET D - ACCOUNTS INFORMATION E - LOGGIN A DISPUTE F - CREDIT ACTION PLAN Credit Report brought to you by ifacts! ifacts believe that if you keep on managing your credit record, it will enable you to borrow more for less! Being in charge of your finances is way easier if you subscribe for a monthly credit report. You ll be able to keep track of your credit score and spending, and very importantly, our handy tips and advice will help you budget and improve your credit score. ifacts partnered with Compuscan and together developed a credit report for the consumer that is not only easy to understand, but a very useful tool to manage your credit life cycle. When I apply for credit from a credit provider, who decides whether or not I qualify for credit? When you apply for credit, the credit provider uses information received from a credit bureau to assess your application. When your credit record satisfies the standards of the credit provider, a decision to grant you credit is made by the credit provider. It is the bank, retailer or credit provider that approves or rejects the credit application and not the credit bureau. What is a credit bureau? A credit bureau is a company that gathers information and updates each consumer s credit history. A credit bureau creates a record of a consumer s credit information indicating how the consumer manages his/her credit. The credit bureau supplies these records to credit providers, such as banks, retailers and other credit providing companies. The information indicates each consumer s payment record. It is also used to detect fraud, corruption or theft. Because so many clients are left in the dark when it comes to accessing a true picture of their financial situation, ifacts and Compuscan decided to use technology to give ifacts customers access to their individual financial snapshot any time of the day or night. This not only allows you to spot irregularities or potential fraudulent activities on your accounts but enables you to monitor monthly spend. You ll know exactly what you spend and where. For just R25 per month you ll have access to useful tips and templates, helping you budget, plan for emergencies and we ll show you some easy steps that can immediately improve your score. How will a credit report from ifacts and Compuscan help me improve my credit score? An ifacts Credit Report helps you understand and manage your finances and therefore your credit score. Our helpful tips and templates will show you how to budget, how to stretch your budget and save a little extra every month. Getting a report every month means you can keep track on how your score improves, putting you in charge of your finances!
A 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 7408285107080 28/08/1974 ADDRESS INFORMATION This section shows all your current and previous addresses. ADDRESS TYPE ADDRESS POSTAL CODE DATE CREATED RESIDENTIAL 123 HHJJGFFGH 8890 20/10/2011 RESIDENTIAL 123 TEST STREET NONE 05/10/2011 RESIDENTIAL HOME 123 1234 26/09/2011 RESIDENTIAL 5 TURFHALL MEWS 007945 30/09/2011 POSTAL 5 TURFHALL MEWS 07945 30/09/2011 CONTACT INFORMATION This section shows all your current and previous contact numbers. CONTACT NUMBER TYPE CONTACT NUMBER DATE CREATED WORK 064228597 05-10-2011 HOME 064225025 05-10-2011 CELL 012345678 13-09-2011 CELL 0123456789 20-09-2011 CELL 0813655137 05-10-2011 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 - - - - 2011-10-05 H2O INTERNATIONAL SA - - - - 2011-09-30 LATEST EMPLOYER - - - - 2011-09-29 NEW EMPLOYER TORTEL - - - - 2011-09-27 COMPUSCAN - - - - 2011-09-20 Please check that all your personal details are correct and up-to-date. You can contact Compuscan on 0861 51 41 31 should your details be incorrect. Remember that having the correct details will directly improve your credit score! Page 2 of 14
B PORTFOLIO INFORMATION 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: 654 999 Low Risk: 633 653 Average Risk: 619 632 High Risk: 604 618 - You are here. Very High Risk: 0 603 Leave bank 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 14
B PORTFOLIO INFORMATION 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 LIFESTYLE INDEX This cannot be determined without the income to debt ratio Page 4 of 14
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 14
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 3 PREVIOUS ENQUIRIES 15 PROPERTIES OWNED 0 DIRECTORS INFORMATION 1 CPA ACCOUNTS 14 NLR ACCOUNTS 1 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 14
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 -05-23 12321321 1 1 PROMISE TO COMPUSCAN HEAD COMPUSCAN - R 500.00 PAY OFFICE 021 888 6000-08-28 2134324321 12321 CS YEAH DECEASED COMPUSCAN HEAD COMPUSCAN - R 1,000.00 OFFICE 021 888 6000 2010-11-10 3443423 434 TEST ACCOUNT DATAOPS - CS NLR TEST 1 R 34.00 BEING REPAID 0218886000 2010-11-10 342532 5335 TEST ACCOUNT DATAOPS - CS NLR TEST 1 - BEING REPAID 0218886000 2010-11-10 3256236 4324 TEST PAID UP CS NLR TEST 1 R 3,423.00 DATAOPS - 0218886000 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 0437229889 2008-05-20 Application for voluntary debt restructuring. 2009-03-18 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 1-03-26-03-26 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. SUBJECT NO CATEGORY SUBJECT PASSPORT INCIDENT DATE VICTIM 500000 FALSE EMPLOYER DETAILS JUST GOOFY 1234567890 01-01- NO 500001 FALSE EMPLOYER DETAILS JUST GOOFY 1234567890 01-02- NO 54038 FALSE EMPLOYER DETAILS JUST GOOFY 1234567890 11-09-2006 NO Page 7 of 14
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 directly with Compuscan by calling 0861 51 41 31 or emailing disputes@compuscan.co.za If you are not aware of any of the enquiries on your credit report it may be the result of identity theft. Contact Compuscan immediately 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 12-03- 09:51 My CC - Free The Manager (021) 888 6000 12-03- 09:48 My CC - Free The Manager (021) 888 6000 11-03- 16:40 SaamPro RuaanB 0218886000 11-03- 16:40 SaamPro RuaanB 0218886000 11-03- 16:35 SaamPro RuaanB 0218886000 11-03- 16:33 SaamPro RuaanB 0218886000 11-03- 16:28 QA - ALL CraigB 0218886000 11-03- 16:27 QA - ALL CraigB 0218886000 11-03- 16:26 QA - ALL CraigB 0218886000 11-03- 16:17 QA - ALL CraigB 0218886000 11-03- 16:13 QA - ALL CraigB 0218886000 11-03- 16:06 SaamPro RuaanB 0218886000 11-03- 15:56 SaamPro RuaanB 0218886000 11-03- 15:36 SaamPro RuaanB 0218886000 11-03- 15:30 SaamPro RuaanB 0218886000 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 03-03-2009 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 100.00 BUSINESS START DATE 03-03-2009 SIC CODE OTHER SERVICE ACTIVITIES Page 8 of 14
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 -07-01 STD BANK - HOME LOANS STD BANK - HOME LOANS FNB - WESBANK MOTOR L -07-10 2011-12-07 TRACKER NETWORK 2007-09-01 VODACOM 2011-02-22 CELL C -04-20 CELL C -04-15 CELL C 2011-05-24 TELESURE INVESTMENTS -01-01 TELESURE INVESTMENTS -09-06 BAYPORT FINANCIAL SERVICES FNB - WESBANK MOTOR L AFRICAN BANK - CREDIT CARD ACCOUNT TYPE Short Term Insurance Home Loans Home Loans OPENING BALANCE INSTALMENT CURRENT BALANCE CUMULATIVE ARREARS AMT R 0.00 R 148.00 R 148.00 R 0.00 0 R 162,000.00 R 1,898.00 R 166,240.00 R 0.00 0 R 782,100.00 R 7,648.00 R 481,053.00 R 0.00 0-09-12 Instalment R 114,753.00 R 6,234.00 R 6,234.00 R 0.00 0-06-29 Service Related account withou Service Related account withou Service Related account withou Service Related account withou Service Related account withou Short Term Insurance Short Term Insurance Service Related account withou R 0.00 R 227.00 R 227.00 R 0.00 0 R 0.00 R 319.00 R 319.00 R 0.00 0 R 0.00 R 0.00 R 0.00 R 0.00 0 R 0.00 R 0.00 R 0.00 R 0.00 0 R 0.00 R 0.00 R 0.00 R 0.00 0 R 0.00 R 0.00 R 0.00 R 0.00 0 R 0.00 R 0.00 R 0.00 R 0.00 0 R 0.00 R 0.00 R 0.00 R 0.00 0 2007-08-31 Instalment R 480,847.00 R 0.00 R 0.00 R 0.00 0-01-30 Credit Card Account R 24,000.00 R 0.00 R 0.00 R 0.00 0 MONTHS IN ARREARS NLR ACCOUNTS ACCOUNT SUPPLIER OPEN DATE AFRICAN BANK LIMITED -12-27 ACCOUNT TYPE Term Loan with direct collection OPENING BALANCE INSTALMENT CURRENT BALANCE CUMULATIVE ARREARS AMT R 52,298.00 R 1,941.00 R 51,517.00 R 1,941.00 0 MONTHS IN ARREARS Page 9 of 14
D ACCOUNTS INFORMATION 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 120+ 90 60 30 ACCOUNT DAYS IN ARREARS SUPPLIER TELESURE INVESTMENTS ACCOUNT TYPE Short Term Insurance ACCOUNT NO 777856730 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE -07-01 OPEN BALANCE R 0.00 CURRENT BALANCE R 148.00 LAST PAYMENT DATE -11-25 MONTHLY INSTALMENT R 148.00 PAYMENT STATUS OPEN/CURRENT OK OK OK OK OK OK - - - - - - - - - - - - - - - - - - AUG SEP OCT NOV DEC JAN 2015 SUPPLIER STD BANK - HOME LOANS ACCOUNT TYPE Home Loans ACCOUNT NO 367015110 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE -07-10 OPEN BALANCE R 162,000.00 CURRENT BALANCE R 166,240.00 LAST PAYMENT DATE -01-25 MONTHLY INSTALMENT R 1,898.00 PAYMENT STATUS OPEN/CURRENT FEB MAR APR MAY JUN JUL OK OK OK OK OK OK - - - - - - - - - - - - - - - - - - AUG SEP OCT NOV DEC JAN 2015 SUPPLIER STD BANK - HOME LOANS ACCOUNT TYPE Home Loans ACCOUNT NO 365810622 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE 2011-12-07 OPEN BALANCE R 782,100.00 CURRENT BALANCE R 481,053.00 LAST PAYMENT DATE -01-24 MONTHLY INSTALMENT R 7,648.00 PAYMENT STATUS OPEN/CURRENT FEB MAR APR MAY JUN JUL OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN SUPPLIER FNB - WESBANK MOTOR L ACCOUNT TYPE Instalment ACCOUNT NO 85193813154 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE -09-12 OPEN BALANCE R 114,753.00 CURRENT BALANCE R 6,234.00 LAST PAYMENT DATE -01-23 MONTHLY INSTALMENT R 6,234.00 PAYMENT STATUS OPEN/CURRENT OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK - - - - - - - SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG Page 10 of 14
SUPPLIER TRACKER NETWORK ACCOUNT TYPE Service Related account withou ACCOUNT NO 1264864 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE 2007-09-01 OPEN BALANCE R 0.00 CURRENT BALANCE R 227.00 LAST PAYMENT DATE -10-01 MONTHLY INSTALMENT R 227.00 PAYMENT STATUS OPEN/CURRENT OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK - OK OK OK OK OK OK OK OK OCT 2011 NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP SUPPLIER VODACOM ACCOUNT TYPE Service Related account withou ACCOUNT NO I2531972 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE 2011-02-22 OPEN BALANCE R 0.00 CURRENT BALANCE R 319.00 LAST PAYMENT DATE -04-29 MONTHLY INSTALMENT R 319.00 PAYMENT STATUS OPEN/CURRENT OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK JUN 2011 JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY SUPPLIER CELL C ACCOUNT TYPE Service Related account withou ACCOUNT NO 122697399 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS PAID UP STATUS DATE -08-23 OPEN DATE -04-20 OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE -08-23 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS PAID UP OK OK OK OK OK OK - - - - - - - - - - - - - - - - - - MAY JUN JUL AUG SEP OCT NOV DEC JAN 2015 SUPPLIER CELL C ACCOUNT TYPE Service Related account withou ACCOUNT NO 122517143 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS PAID UP STATUS DATE -05-23 OPEN DATE -04-15 OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE -05-23 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS PAID UP FEB MAR APR OK OK OK - - - - - - - - - - - - - - - - - - - - - MAY JUN JUL AUG SEP OCT NOV DEC JAN 2015 SUPPLIER CELL C ACCOUNT TYPE Service Related account withou ACCOUNT NO 102454214 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS PAID UP STATUS DATE -04-26 OPEN DATE 2011-05-24 OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE -04-26 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS PAID UP FEB MAR APR OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK - OK JUL 2011 AUG SEP OCT NOV DEC JAN SUPPLIER TELESURE INVESTMENTS ACCOUNT TYPE Short Term Insurance ACCOUNT NO 557053577 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS CANCELLED BY CLIENT STATUS DATE -05-28 OPEN DATE -01-01 OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE -04-30 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS CANCELLED BY CLIENT FEB MAR APR MAY JUN OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK - - - - - - - FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN Page 11 of 14
SUPPLIER TELESURE INVESTMENTS ACCOUNT TYPE Short Term Insurance ACCOUNT NO 557151625 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS CANCELLED BY CLIENT STATUS DATE -10-04 OPEN DATE -09-06 OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE -09-11 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS CANCELLED BY CLIENT OK OK - - - - - - - - - - - - - - - - - - - - - - OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP SUPPLIER BAYPORT FINANCIAL SERVICES ACCOUNT TYPE Service Related account withou ACCOUNT NO 2544870001 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE -10-19 OPEN DATE -06-29 OPEN BALANCE R 0.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE - MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED OK OK 30 60 OK - - - - - - - - - - - - - - - - - - - JUN JUL AUG SEP OCT NOV DEC JAN SUPPLIER FNB - WESBANK MOTOR L ACCOUNT TYPE Instalment ACCOUNT NO 85090167539 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE -09-30 OPEN DATE 2007-08-31 OPEN BALANCE R 480,847.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE -09-13 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED FEB MAR APR MAY OK OK OK OK - OK - OK OK OK OK OK OK OK OK OK OK OK OK - OK OK OK OK OCT 2010 NOV DEC JAN 2011 FEB MAR APR MAY JUN JUL AUG SEP SUPPLIER AFRICAN BANK - CREDIT CARD ACCOUNT TYPE Credit Card Account ACCOUNT NO 75010095333 OVERDUE AMOUNT R 0.00 ACCOUNT STATUS ACCOUNT CLOSED STATUS DATE -08-31 OPEN DATE -01-30 OPEN BALANCE R 24,000.00 CURRENT BALANCE R 0.00 LAST PAYMENT DATE -01-30 MONTHLY INSTALMENT R 0.00 PAYMENT STATUS ACCOUNT CLOSED OK 30 OK 30 OK 30 OK OK - - - - - - - - - - - - - - - - JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC SUPPLIER AFRICAN BANK LIMITED ACCOUNT TYPE Term Loan with direct collection ACCOUNT NO 9642669E003 OVERDUE AMOUNT R 1,941.00 ACCOUNT STATUS OPEN/CURRENT STATUS DATE - OPEN DATE -12-27 OPEN BALANCE R 52,298.00 CURRENT BALANCE R 51,517.00 LAST PAYMENT DATE -01-24 MONTHLY INSTALMENT R 1,941.00 PAYMENT STATUS OPEN/CURRENT OK OK - - - - - - - - - - - - - - - - - - - - - - DEC JAN 2015 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV Page 12 of 14
E LOGGING A DISPUTE FREE DISPUTE PROCESS FOR IFACTS CLIENTS As an ifacts client if any of the information contained in this report is incorrect or unfair, you may log a complaint directly with Compuscan via their website or call centre. Visit their website on www.compuscan.co.za or contact the call centre on 021 888 6000. 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 Compuscan, please contact the Credit Ombud on 0861 662 837 or at www.creditombud.org.za 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 0861 662 837 or at www.creditombud.org.za for further assistance, their services are free to consumers. HOW TO LOG A DISPUTE Consumers can log disputes on Compuscan s website, www.compuscan.co.za, or by calling their call centre on 0861 51 41 31. 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, a rescission document is required Once you have logged your dispute, Compuscan will investigate the matter with the relevant credit provider. Once we have received feedback, they will update and resolve the dispute. You will be contacted once the dispute has been resolved. Page 13 of 14
F CREDIT ACTION PLAN YOUR CREDIT ACTION PLAN Step 1: Get your credit report from ifacts & Compuscan and analyse it Step 2: Track your spending and put together a budget Visit http://www.ifacts.co.za for useful tips and additional information Step 3: Pay off your debt It will be difficult at first, but with a bit of determination you ll be back in charge of your finances 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 WITH A CREDIT REPORT FROM IFACTS Being in charge of your finances is way easier if you subscribe for a monthly credit report. You ll be able to keep track of your credit score and spending, and very importantly, our handy tips and advice will help you budget and improve your credit score. Subscription costs R25 per month including VAT. Page 14 of 14