How to Get Your Credit Report for Expert Analysis
A step-by-step guide on how to access your credit report, which is the first step before sending it to us for analysis.
In South Africa, the National Credit Act (NCA) gives every consumer the right to one free credit report from each registered credit bureau once per year. Obtaining this report is the first step in our expert analysis process.
Why Our Analysis Matters
- We Spot Errors: Our trained specialists and AI tools find mistakes you might miss. Incorrect information can severely harm your credit score.
- We Uncover Fraud: We can spot sophisticated signs of identity theft that aren't obvious to an untrained eye.
- We Build Your Strategy: We analyze what lenders see, forming the foundation of a winning dispute strategy before we even begin.
How to Get Your Report from Major Bureaus
Once you have your report, you can send it to our team at help@disputeit.co.za for a comprehensive assessment. Here’s how to get it:
1. Experian (which has incorporated Compuscan)
- Online: Visit the Experian or Compuscan My Credit Check website. You will need to register with your personal details to download the report.
2. TransUnion
- Online: Go to the TransUnion website and sign up for their 'My Credit' service to access your statutory report.
3. XDS (Xpert Decision Systems)
- Online: Visit the XDS website to request your free report. The process is similar to the other bureaus.
What You Need to Provide to the Bureaus
To verify your identity with the bureaus, you will typically need:
- Your full name and surname.
- Your South African ID number.
- Your current address.
- Contact information (phone number and email address).
After You Get Your Report
Once you have the report file (usually a PDF), the next step is simple: email it to our team at help@disputeit.co.za. Do not try to interpret it yourself. Our experts will perform a deep analysis and provide you with a clear action plan to dispute inaccuracies and improve your score. This is a specialized process that requires professional intervention for the best results.
The credit repair process is complex and requires specialist knowledge to ensure success. Don't risk handling it alone. Our experts at Dispute It are ready to manage your case and deliver results.