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Frequently Asked Questions

How do I get my free credit report?

Experian offers South African consumers free unlimited access to their Compuscan and Experian credit reports and credit scores.

  • Visit www.mycreditcheck.co.za for your Compuscan credit report.
  • Visit www.mycreditexpert.co.za for your Experian credit report.

Please include a copy of your ID and proof of address (no older than 3 months) when logging a dispute.

What is a credit score?

Your credit score is an indication of your credit risk. Credit scores are calculated using algorithms that look at your credit information and payment behaviour on the bureau. The formulas used differ from bureau to bureau, meaning your credit score at each bureau may be different. Bureaus provide credit scores to consumers that reflect their general risk. Credit scores from lenders or banks may also differ as the scores provided by financial services providers look at different information when calculating the scores.

Are credit checks free?

All South Africa credit bureaus are required to provide consumers with one free credit report within a 12-month period. Experian and Compuscan offer consumers free unlimited credit reports through their credit report portals.

Is my credit score affected by checking my free credit report?

No. You can access your credit information as much as you want using our platforms. However, doing multiple credit checks through lenders or financial service providers may affect your credit score and report.

How long does debt information remain on my free credit report?

This depends on the type of credit information; this article has a full list of the retention periods of information on your credit report.

Does a credit bureau prevent me from getting credit?

No. Credit bureaus does not make lending decisions or comment on particular applications, but simply provide factual information. The decision to grand credit is made by the lender.

How do I change incorrect information on my free credit report?

Compuscan Information

Experian Information

  • You can direct any queries or disputes for your Experian credit report to [email protected]

What documents do I need to provide when I log a dispute on my credit report?

  • Your South African ID
  • Proof of address less than 3 months old
  • Your reason for logging the dispute
  • Supporting documentation related to the dispute

Logging a dispute with Experian or Compuscan is free of charge. Once you have logged a dispute with a credit bureau, we have 20 business days to investigate the dispute.

What do I do if I’m having trouble accessing my credit report?

If you have trouble accessing My Credit Check or My Credit Expert please email [email protected]