You may have questions about credit bureaus, how they operate, where they get your data from, how they use it, etc. This FAQ page may answer some of those questions that the Trust Centre hasn't covered.
The National Credit Act 34 of 2005, also known as the NCA, is a legal framework that controls the credit environment. For more information on the NCA, download the NCA Information Brochure.
The Protection of Personal Information Act 4 of 2013 (POPIA) is the comprehensive data protection legislation enacted in South Africa. For more information on your rights under POPIA, visit our Data Rights page.
The Promotion of Access to Information Act, 2013 (PAIA) allows access to information according to strict requirements set out in the Act. For more information on PAIA, you can download our PAIA Manual.
Under the NCA, you have the following rights:
Under POPIA, you have the following rights:
For more information about your rights under POPIA, visit our Data Rights page.
Credit bureaus play a key role in a lender’s decision to give you credit. Credit bureaus provide information about your credit profiles to credit providers. Credit providers use this information combined with their business rules and your affordability as part of their decision process.
A credit bureau receives and stores your financial information, updates your credit history, and compiles your credit profile into a credit report. A credit report is a document that outlines all your credit information showing how you manage and repay the credit given to you.
Experian South Africa (Pty) Ltd is a registered credit bureau with the National Credit Regulator (NCR) in terms of the National Credit Act (NCA), NCR No: NCRCB16.
For more information on Experian's role as a credit bureau, watch our Know your Bureau video:
Experian carries out several types of data processing to serve our clients, meet regulatory obligations, and provide consumers with credit reports and credit scores. These processes include loading data, matching and linking data together as well as testing, developing and building our products and services.
Experian only processes data in a lawful manner according to the NCA, POPIA and PAIA.
For more information on how Experian uses your data, visit our Data Use page.
We have processes of due diligence when choosing suppliers and clients to work with, and we continually monitor these relationships. We only work with service providers and resellers who meet our high standards of compliance with data protection requirements.
This is to make sure that we don't use personal data in a way that could cause harm to you. We require both suppliers and clients to use appropriate security measures to safeguard your information.
For more information on how Experian protects your data, visit our Data Protection page.