How to Check Your Credit Report in South Africa
In South Africa, you can check your credit report through registered credit bureaux, many of which provide a free report at least once a year. Review your report regularly to confirm accounts are accurate, spot unfamiliar enquiries, and ensure debt-review or judgment information is correct. Checking your own report does not affect your score.
Key Points
- You can access your report through registered credit bureaux.
- A free report is generally available at least once a year.
- Checking your own report does not lower your score.
- Review for unfamiliar accounts, enquiries and incorrect flags.
Where do you get your credit report?
Registered credit bureaux in South Africa offer access to your credit report, often online. You typically need to provide your ID and personal details so the bureau can verify your identity.
It is sensible to check your report at each major bureau, since providers may report to different bureaux.
What should you look for?
Check that all accounts listed are yours and that the balances and payment statuses are accurate. Look for any enquiries you do not recognise, which could indicate identity fraud or unauthorised applications.
If you are or have been under debt review, confirm that the flag is present (while active) or removed (after clearance).
How often should you check?
Reviewing your report at least once a year is a good habit. Check it before applying for major credit, and after completing debt review, to confirm that the flag has been removed.
Regular checks help you catch errors early and keep your profile in good shape.
Frequently Asked Questions
Worried That Your Debt Has Become Unaffordable?
Debt Guidance can assess your income, essential expenses and debt commitments to determine whether debt review may be appropriate.
Reviewed by Carolina Guevara Harris
Registered Debt Counsellor · NCRDC3152
Last updated: 17 September 2025
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