Compuscan is giving away free credit reports for life from 22 November 2018!
Here are a few things you should be looking at when viewing the new platform.
The first thing you’ll see on the My Credit Check website is the opportunity to sign up or to log in. It’s easy and quick – you’ll have your free credit score and free credit report in no time!
Your My Credit Check credit report and score are free for life. From 22 November 2018, you’ll be able to log in to www.mycreditcheck.co.za and navigate your complete credit profile. You’ll find your most up to date information and your free credit score.
To get access to your full credit profile, you’ll need to answer 3 quick questions that are based on your credit information and history. This is a necessary step in making sure your credit information is safe and that only you have access to it.
Don’t worry if you failed the verification process. You can easily upload a picture of your South African ID and Proof of residence (not older than 3 months). Your profile will be locked until it has been verified by our customer care agents. This shouldn’t take longer than 48 hours.
Throughout the platform you’ll see a blue information button on the right-hand side. Use this to find explanations about page that you are visiting.
Once you are in and verified, you’ll want to check your information on the left-hand panel. Here you can verify your email address, check that your name is spelled correctly, and opt in or opt out to receive an OTP when you log in or for marketing.
The Credit Information section provides you with the following information:
The accounts section will show you all accounts you have: asset related credit, transactional and services accounts, and fixed instalment credit. On the All Accounts tab you’ll be able to see an overview of your accounts with current balance and instalment amounts. Check that you’re not in arrears with any of your accounts.
The information in this section can damage your credit score quite seriously. Any negative information will show here, which includes: notices, defaults, judgments, debt collections and debt restructuring. This information can stay on your profile for a long time, especially if you don’t sort it out.
At any time, you can log a request to challenge incorrect information if there is anything on your profile that is wrong or shouldn’t be there. Challenging your information will require you to submit documentation depending on what you want to change. When selecting your problem from the drop-down lists, you’ll be shown a list of required documents. You’ll have to supply your ID and Proof of residence when challenging any information.
Several types of problems, such as disputes, will require a maximum 20 business days wait for the issue to be resolved. Depending on the selection you make, you’ll get a notice on the site indicating if you’ll need to wait the 20 business days. Please be patient as these types of issues involve investigating the requested change.
Throughout the website you’ll be able to download your full credit report using the PDF download button on the right-hand side of the screen. If you have a verified email address, you’ll be able to email this to yourself. Remember to keep your credit report safe, especially if you’ve used a public computer to download it.
The new My Credit Check is all about giving you the freedom to know your credit score and to view your full free credit report. The platform provides you with information to make the process easier and to help demystify credit reports.
The new My Credit Check site launches on 22 November 2018 – make sure you visit it to get your free credit score and report.