Free Credit Check and Report

Experian provides free credit reports and free credit scores on My Credit Check.

Getting your free credit report and score

Getting your free credit report and score

Experian provides free credit reports and free credit scores on My Credit Check, which is an easy-to-use online portal that allows all South African citizens with valid South African ID numbers to access their credit information via their personal extensive credit reports.

Whether you are a first-time credit report user or not, My Credit Check will help you understand your credit data, show you how to monitor accounts, manage debt, and improve your credit profile.

You can access your personal credit report on the My Credit Check portal

The My Credit Check portal is available at You may also chat to ED our chatbot who can assist you. 

What is a free credit report?

My Credit Check generates full free credit reports which provide a comprehensive records of your financial history, detailed information on your borrowing and spending habits, payment trends and contact details. Information includes accounts you opened, payments you’ve skipped, judgments taken against you and what you owe your creditors. 

Did you know...

Your credit report at My Credit Check is free for life, so get yours today.

Why should you view your free credit report?

Experian’s free credit reports were designed to help you keep up to date with your financial status by doing a credit bureau check. With helpful tips and easy steps, you can now get your finances in order.

Where does the information on your credit report come from?

The data included in Experian’s free credit reports comes from credit providers you have borrowed from. Whether it’s a clothing account, a loan from the bank, or cell phone contract, all credit data gets sent to registered credit bureaus, like Experian, which enables credit bureaus to do credit bureau checks.

How does your My Credit Check report look?

Each of Experian’s free credit reports includes your credit score and payment behaviour in a simple and easy to understand format. Information is grouped for you to see what activity has the biggest impact on your credit score and finances. The free credit report is an in-house credit bureau check.

We have included quick tips to explain the data and give advice on how to better manage your credit. On the dashboard, you will be able to see an overview of your credit report – you don’t need to spend hours sifting through a lot of data.

The free credit check platform includes:

  • Your personal details
  • Your credit portfolio
  • Payment history and behaviour
  • Budget planner
  • Your contact and address information
  • Your perception of your position within the credit market
  • Negative information including notices, defaults, judgments and debt collections
  • Online dispute submission function

Get your free credit report at My Credit Check today!

What is your free Credit Score?

Your credit score is the single most important financial score you’ll ever get. Yes, it’s even more important than matric aggregate, body fat count, or golf handicap, since credit providers use this credit score when deciding whether or not to extend credit to you. So be sure to maintain a good track record!

Your Experian credit score is calculated via a credit bureau check, using information from your full credit profile. Experian evaluates all of your accounts, your negative and positive information, and your payment history to assign you a credit score of 0–999. The higher your credit score is, the better your credit profile, and the lower your risk will be of defaulting on an account or loan would be.

Why trust your credit score?

The Experian credit score is derived from a credit bureau check, and includes your borrowing, charging and repayment activities. It summarises a number of positive and negative factors that aim to predict how likely you are to honour your credit commitments in the future.

A favourable credit report helps you reach your financial goals while poor credit reports and credit scores limit your financial opportunities. Since your credit report could influence whether you are able to buy a home or get any kind of credit, it is extremely important to protect your credit score by making loan and account payments on time and not taking on more debt than you can handle.

Key information used to calculate your credit score includes account information (personal loans, credit accounts, other loans), public records, such as judgments and administration and sequestration orders. Information such as race, gender, where you live and marital status are not used in calculating credit scores.

Credit and financial education

The My Credit Check blog is a financial education resource for consumers in South Africa with a focus on savings, budgeting, credit checks, credit reports and credit scores. 

My free report and score – Frequently asked questions

Experian offers South African consumers free unlimited access to their My Credit Check credit reports and credit scores.


Step 1:



Step 2:

Register and submit your verification documents ( Id and Proof of residence not older than 3 months)


If you are need more information, you can also chat with Ed our chatbot 


How to Log a Dispute

The National Credit Act (NCA) provides you with the right to dispute any factually incorrect information on your credit report generated by a credit bureau and to have this information corrected.

Logging a dispute with Experian is free of charge. Why pay one of the many “credit clearing companies” that charge money for doing something that you could do for free? Once you have logged a dispute with us, we have 20 business days to investigate the dispute. To find out more about logging a dispute at Experian, please visit our blog by clicking here.

In the event that you are not satisfied with the outcome of the dispute, you may refer the matter as follows:

Bank account information:

Retail and other non-bank information:

Disputes Process Infographic

The disputes process can be confusing at times. To help you navigate the Experian disputes process, we've created this handy infographic.

Challenging your information with Experian

Experian holds consumer information; this information is used by financial services providers when performing a credit assessment and in some instances a score enquiry on consumers. We receive consumer data from financial services providers when consumers make an application or update their details with the service provider. We also receive payment information that reflects consumer payment behaviour, such as if they’ve made payments on time, have skipped payments or closed an account.

Dispute your ‘My Credit Check’ credit report

Follow these easy steps

Step 1:



Step 2:

Register and submit your dispute through the portal.



Upload a copy of your ID and proof of address (no older than 3 months) and any supporting document (e.g. paid up letter) 


If you are need more information, you can also chat with Ed our chatbot 


My free credit check – Know your rights

The National Credit Act (NCA) gives you the right to apply for credit. All consumers must be treated equally in relation to one another when credit providers assess your application, determine rates/fees and compile and enforce the credit agreement.

Visit My Credit Check today!