SACRRA submissions

SACRRA submissions are structured data reports submitted by credit providers to credit bureaus via the SACRRA data sharing environment, submitted in alignment with Regulation 19(13) requirements.

These submissions support the accurate and consistent reporting of consumer credit information within prescribed timelines, supporting transparency and credit risk assessment processes.

Benefits at a glance

Regulatory Compliance

Ensures adherence to the National Credit Act by standardizing credit data reporting.

Access to Rich Data

Enables access to South Africa’s largest credit and risk database, updated monthly with over 55 million records.

Improved Risk Assessment

Facilitates more accurate credit and affordability assessments using comprehensive consumer data.

Enhanced Data Quality

Promotes high standards in data accuracy and consistency across the credit industry.

Operational Efficiency

Streamlines the data submission process through automated tools and standardized formats.

Industry Collaboration

Encourages cooperation among credit providers, bureaus, and regulators for better data governance.

Support and Guidance

Offers tools, training, and support to help members manage data submissions effectively.

Financial Inclusion

Helps identify creditworthy individuals who may otherwise be excluded from traditional credit scoring models.

Learn more about how Experian’s SACRRA submissions solution can help your business

The SACRRA submission Process

Receives onboarding documentation from the client.
Submits the data documentation to ALG Management, along with an MFT request.
ALG Management sets up the necessary infrastructure and shares the SRN (presumably a reference number) with Sales.
ALG Management provides the API and SACRRA Layout to the client or their LMS provider for development purposes.
Sales instructs the client to submit three daily test files and one monthly test file.
Data Forensics tests the UAT (User Acceptance Testing) files and gives sign-off once satisfied.
The client is then informed to submit test files via integration for industry testing, which requires sign-off from four bureaus and SACRRA.
After receiving industry sign-off, the client is informed to begin live data submissions.
Experian monitors these submissions and notifies the client of any data quality issues. The data team provides support and answers related to data.

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