The My Credit Check blog is a financial education resource for consumers in South Africa with a focus on credit checks, credit reports and credit scores.
My Credit Check and My Credit Expert are easy-to-use, online portals that provide all South African citizens with valid South African ID numbers to access their credit information via their personal extensive credit report.
Experian South Africa (Pty) Ltd is a registered credit bureau with the National Credit Regulator (NCR) in terms of the National Credit Act (NCA), NCR No: NCRCB16.
Since the acquisition of Compuscan in 2019, Experian now holds two databases of consumer information; this information is used by financial services providers when performing a credit assessment and in some instances a score enquiry on you. We receive consumer data from financial services providers when you make an application or update your details with the service provider. We also receive payment information that reflects your payment behaviour, such as if you’ve made payments on time, have skipped payments or closed an account.
You can access your personal credit reports through either the My Credit Check or My Credit Expert portals.
My Credit Check
The My Credit Check portal, available at www.mycreditcheck.co.za, references data from the Experian Sigma database, which is the historical Compuscan bureau database.
Your My Credit Check credit report and credit score are generated from the Experian Sigma database.
Your My Credit Expert credit report and credit score are generated from the Experian database.
Note: Your credit score based on the Experian Sigma Database may be different to the one based on the Experian Database because the formulas and variables used to create the scores differ. Currently, these two databases and the scoring models are kept separate.