Consumer Services

You should check your credit report regularly to ensure it is up to date and reflects your credit track record accurately. You are entitled one free credit report per year.

To get your personal credit report :

Phone:  0861 10 56 65
Click here for our online self-service option CreditExpert

How CreditExpert works

As a consumer, you should know as much about yourself as any financial institution does. CreditExpert shows you what a lender sees. If you are looking for credit, CreditExpert allows you to check your credit report to ensure that it accurately reflects your financial position. CreditExpert allows you to check your credit report online, as often as you want.

Obtain your Free credit report from CreditExpert

CreditExpert is the online credit monitoring and identity fraud protection service from Experian, one of South Africa's largest credit bureaus.

Lenders see your credit report when they decide whether to give you credit such as a personal loan, home loan or credit card. You should check it regularly to ensure it is up to date and reflects your credit track record accurately. This will help you to make better-informed decisions when you apply for credit. It will also help you identify if you are a victim of identity theft, one of South Africa's fastest growing crimes.

CreditExpert also offers you:

  • Credit Risk Rating
  • Detect
  • ID Verification
  • Alerts
  • Email/Fax delivery method

Consumer education

Protecting yourself against Identity theft

Identity theft is when someone steals your personal information or possessions so they can use your identity. Identity fraud is when they use your identity for their own financial gain – usually at a great cost to you. You might not even realise that your information has been stolen until after the fraud has happened and only find out when a bill arrives for something you didn’t buy, or when you have trouble taking out a credit card or a mobile phone contract. According to research from Experian’s Victims of Fraud team, it takes an average of 292 days for people to discover their information has been used for fraudulent purposes.

Download these tips on how to protect yourself against identity theft.

Understanding your credit report

Experian SA encourages you to keep a regular check on your credit record and ensure your credit report contains accurate information.

A credit report is not only about keeping track of your credit reputation, it can assist you with budgeting and protecting your personal information against identity fraud. The report summarises your financial behaviour such as whether you regularly pay the full instalment on your accounts and on time. Inaccurate information could paint a picture of your financial health that is not true. Consumers have a right to log a dispute and challenge the information on their credit report should they believe that it is incorrect. Experian has 20 days to investigate and provide a response. Consumers are encouraged to take advantage of the free annual service provided by credit bureaux, as prescribed by the National Credit Act, giving consumers the right to access their credit reports once a year at no cost. To get a copy of your free credit report please contact Experian at: Consumer Help-desk: 0861 10 56 65 or Email:

Contact Us

For queries and advice about your credit report, please contact Experian Consumer Relations on:

Help Desk:   0861 10 56 65 
Fax:   011 707-6700 

As of 1 June 2015, on-site consumer enquiries will not be available at any Experian offices.

Should you have a consumer enquiry, please phone our Help Desk on 0861 105 665 for assistance or email us at:



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