CREDIT>ROCKET
Transunion USA - Personal / Individual
FREE Credit Reports / Monitoring System
Credit Bureau: Transunion
Bureau Division Country: USA
Countries of Reporting: USA, South Africa
PRODUCTS:
FREE Credit Report Products:
RESOURCES:
Credit 101:
Credit Management:
Credit Education:
Credit Tools:
Transunion SA - Personal / Individual
FREE Credit Reports / Monitoring System
Credit Bureau: Transunion
Bureau Division Country: South Africa
Countries of Reporting: USA, South Africa
Credit Report Products:
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TrueCredit
Credit Education:
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Blacklisted - LoanGIANT does not endorse nor use this misleading term in operations nor business.
Credit Report Assistance:
Support for Business:
Product Highlights:
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An updated/ once off view of your TransUnion Credit Report.
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Check your details to ensure that the information is accurate.
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Displays any adverse court action taken against you.
Fewer than 5% of South African consumers make use of the legislation which entitles them to obtain their credit report free of charge from every credit bureau every year.
Experian USA - Personal / Individual
FREE Credit Reports / Monitoring System
FREE ANNUAL CREDIT REPORT
Credit Bureau: Experian
Bureaus Website
Bureau Division Country: USA
Countries of Reporting: USA, South Africa
CREDIT:
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Free credit report
See your latest credit information
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Free credit score
Get to know your FICO® Score
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Experian Boost®
Raise your credit scores instantly
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Experian Go
Establish and build your credit
CREDIT SUPPORT:
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Security freeze
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Disputes
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Fraud alert
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Contact us
CREDIT ADVICE:
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How to remove credit inquiries
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Collections on your credit report
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What is a charge-off?
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How bankruptcy works
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When are late payments reported?
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What is a perfect credit score?
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Different types of credit scores
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What factors affect your credit score?
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How the FICO® Score Simulator works
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Why did your credit score drop?
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Why isn’t your credit score increasing?
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When does your credit score improve?
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Does a mortgage hurt your credit score?
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How to build credit with credit cards
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How credit repair works
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How to build credit with no credit history
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How to establish credit
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How to get first-time credit
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What does “credit invisible” mean?
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Credit mistakes to avoid
PROTECTION:
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Identity theft and fraud
ID monitoring, alerts and protection
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Free personal privacy scan
Find your info on people finder sites
IDENTITY THEFT SUPPORT:
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Security freeze
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Fraud alert
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Disputes
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Contact us
Credit, Credit Report, Credit monitoring
Experian SA - Personal / Individual
FREE Credit Reports / Monitoring System
Credit Bureau: Experian
Bureau Division Country: South Africa
Countries of Reporting: USA, South Africa
ANALYTICS & DECISIONING:
Credit Scorecards - Consumer Delphi
Commercial Credit Scorecards - Delphi
Decision Management - PowerCurve
Customer Acquisition - PowerCurve Originations
PowerCurve Strategy Management
Collection Strategy Optimisation
BUSINESS INFORMATION:
Commercial Credit Risk Management
Credit Decisioning - SmartEvaluate
DATA MANAGEMENT & MARKETING:
Data Management Platform (DMP)
IDENTITY & FRAUD:
FraudNet Online Fraud Prevention
CrossCore Fraud Management Platform
Fewer than 5% of South African consumers make use of the legislation which entitles them to obtain their credit report free of charge from every credit bureau every year.
Credit, Credit Report, Credit monitoring
Equifax USA - Personal / Individual
FREE Credit Reports / Monitoring System
Credit Bureau: Equifax
Bureau Division Country: USA
Countries of Reporting: USA, South Africa
EQUIFAX PREMIUM PRODUCTS:
Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans.
EQUIFAX VALUE PRODUCTS:
Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts.
Equifax Complete™
Don’t let identity theft catch you off guard. Get better prepared to monitor your credit and help better protect your identity with Equifax Complete™.
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Receive alerts of key changes to your Equifax credit report
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Should you become a victim of identity theft, our dedicated ID Restoration Specialists will work on your behalf to help you recover
Learn More about Complete
My Personal Credit Home
Equifax Complete™ Family Plan
Help look after your family with credit monitoring and ID theft protection features.
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Uncover potential fraud with 3-bureau credit monitoring and alerts
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Feel more confident knowing that the dark web is being monitored for your Social Security Number
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Help better protect up to 4 children by locking their Equifax credit report
Learn More about Family Plan
EQUIFAX VALUE PRODUCTS:
Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts.
My Personal Credit Home
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Credit Scores - Understand credit scores, credit worthiness, and how credit scores are used in day-to-day life.
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Credit Reports - Understand how your financial behavior impacts you and your credit, along with what is included on your credit reports and why.
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Fraud & Identity Theft - Explore ways to better protect your information, plus warning signs of fraud and identity theft, and what to do if you believe your identity has been stolen.
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Debt Management - Learn how debt can affect your credit scores, plus the different types of debt (both good and bad), and best practices for paying it off.
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Credit Cards - Explore tips on getting the right credit card for you and what it means for your credit. Plus, managing credit card debt and what to do if you lost your card.
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Personal Finance - Discover personal finance tips and tricks around everything from managing your money to saving and planning for the future.
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Loans - Explore the nuances of the different types of loans, including personal and student loans, and the potential pros and cons of co-signing a loan.
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Life Stages - Whether you’re saving up for a car, home, or college, learn how your credit can help remove friction from making milestone purchases.
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Cybersecurity - Understand how to shop online more safely, how to create and store stronger passwords, and more.
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COVID + Credit - Explore resources to help you navigate the financial aftermath of a global pandemic.
Visit Knowledge Center
Credit, Credit Report, Credit monitoring
XDS SA - Personal / Individual
Credit Bureau: XDS
Bureau Division Country: South Africa
Countries of Reporting: South Africa
CONSUMER PRODUCTS:
Presage Score - Generic
Affordability
Authentication
IDV
Income estimator
Risk scores
Fraud score
AVS
Admin Order Enquiry
Consumer Credit Application
Consumer KYC
Consumer Prevet / Custom Vetting
Credit Profile
Debt Review Enquiry
COMMERCIAL PRODUCTS:
CIPC
CIPC Plus
Business Standard Online Enquiry
Business Detailed Online Enquiry
Commercial Trace
Adverse Report
Director Enquiry
Commercial KYC
Account Verification
Bank Codes
DAA
Commercial Prevet
Deeds Enquiry
Investigative Report
Customised Report
Linkages
XDS ANALYTICS CAPABILITIES
Assists credit providers in improving their efficiency and increasing their profitability.
XDS PRESAGE ACCOUNT ORIGINATION SCORE
Predicts future payment delinquency i.e. the likelihood that the consumer will fail to make three or more payments on a newly opened account within the first year.
XDS INCOME PREDICTOR
Provides an estimate of a consumer’s monthly income.
HOUSEHOLD INCOME PREDICTOR
Provides an estimate of a household’s monthly gross income.
XDS AFFORDABILITY MODEL
Determines what the consumer can afford, at the time of application, based on predicted income of the consumer and a variety of expense types such as CPA and NLR, amongst others.
XDS PRESAGE CLIENT MANAGEMENT SCORE
This product was developed in order to assess existing clients on a periodic basis hence allowing credit providers to assign appropriate credit strategies.
XDS EARLY STAGE COLLECTIONS
Assists collection departments to ascertain which delinquent customers have the greatest likelihood of returning to positive payment behaviour.
XDS LATE STAGE COLLECTIONS
Assists collection companies, as well as internal collections departments, to ascertain which late stage delinquent customers have the greatest likelihood of making payment.
PAYMENT DATE GAP MODEL
Allows businesses, particularly collections departments and companies, to understand what time of the month a consumer is most likely to pay, and is particularly useful for NAEDO tracking.
GENERIC BOOK PRICING MODEL
Assists debt purchasers to determine a reasonable price for books that they are considering making an offer on by predicting cash flow.
GENERIC INDUSTRY & CUSTOMER PROFILING
Provides insights into what is happening across an industry as well as the current standing of a consumer’s book across three stages – acquisitions, current consumers & consumers in collection.
CONTACT ABILITY INDEX
Ranks likelihood of contacting consumers out of a list of possible contactable numbers.
Was your current loan application was declined?
For only now but we want to work with you to qualify on your next application in the immediate future.
Use the following links to sign up for the following:
FREE Credit Health system and information to start raising your Credit Score and Improve your Credit Profile for immediate future approval:
Use Experian and Transunion FREE Annual Credit Report to read each item and start disputes for any inaccuracies listed on either or both credit reports.
These links are directly with the two main credit bureaus used in South Africa for loan decision making:
Experian Credit Check, Dispute Online – Credit Reports
FREE Transunion Annual Credit:
Transunion Credit Check, Dispute Online – Credit Reports
Fewer than 5% of South African consumers make use of the legislation which entitles them to obtain their credit report free of charge from every credit bureau every year.
You can access your Experian and Transunion Credit reports once a year, for FREE.
Experian’s Sigma score gives you a good general view of where you stand and how financially healthy your credit report is.
As with all credit scores, Sigma rates your risk according to risk categories. Here are the score categories for Sigma:
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No score = Not enough data
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< 599 = Poor
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599 - 615 = Below Average
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616 - 633 = Average
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634 - 657 = Good
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> 657 = Great
What is a credit score?
A credit score, also known as a credit rating, is a number that reflects the likelihood of you repaying the money you want to borrow. Lenders like banks and credit card companies will look at your credit profile and calculate your credit score based on that information as well as their own, which will show them the predicted level of risk in lending to you.
Figures supplied by the National Credit Regulator revealed that in 2014, only around one million of the 22,8million credit active consumers in the country took up their right to access their free credit report.
Many people only check their credit reports when it is too late – for example after the credit they applied for in order to buy a house or a car has been turned down. Often, they cannot understand why this is so, particularly if they have ensured that they live within their means, don’t have too much debt and pay the full amount due on their accounts in full and on time every month.
Although the decision whether or not to grant credit does not lie with the credit bureau which compiles the credit report, this report is used by credit providers – banks, retail stores, cellphone companies and so on - when a consumer applies for credit or to open an account.
The credit provider uses the information in the credit report to score the applicant’s creditworthiness and decide, based on their own criteria, whether or not to grant the credit applied for, or whether to grant a lesser amount – and at what interest rate.
Regular examination of one’s credit report will enable consumers to check that all the information in it is accurate. Sometimes there could be errors or areas of dispute. For example, there were 22 822 disputes lodged about information held on consumer credit records for the quarter ended December 2014.
These disputes may have been no more serious that an error in name or address; but some could well have involved a far more serious issue such as inaccurate reflection of payments made.
A regular examination of one’s credit report could also provide timely warning to consumers that they might have been the victim of identity theft with the identity thieves running up enormous debt in their name.
Anyone who obtains their free credit report and has concerns about possible errors or discrepancies can contact the credit bureau that issued the report and lodge a dispute.
They should then provide the credit bureau with as much supporting documentation as possible – receipts or other evidence of payment. The bureau will investigate and respond to the consumer with the outcome within 21 working days.
Anyone can obtain their free TransUnion report directly from TransUnion
Understanding your finances is an important step in improving your financial health.
Looking for a new rover?
To get the best vehicle finance interest rates for your new ride, use your My Credit Check to improve your score.
Are you wanting to settle down?
Get a better home loan deal to buy a house and make it a home by ensuring your credit report contains accurate information.
Need a lender with Thousand of programs for ALL credit types and scores?:
We're the Lender for you, Contact us at our numbers below:
LOANGIANT®Instant Approval Loan Call Centers
SA: +27 073 960 2011
Or easily fill out the contact form below to have one of LoanGIANT's loan officers to immediately get started:
LOANGIANT®
Instant Approval
Loan Call Centers
US: +1 (404) 407-5727
SA: +27 073 960 2011
APPLY FOR YOUR NEW CAREER WITH LOANGIANT TODAY:
US Call Center
+1 (404) 407-5727
SA Call Center
+27 073 960 2011
Or easily fill out the contact form below to have one of LoanGIANT's human resource managers to contact you today.
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