The Law and our function.

Our function as a credit bureau and in processing your information for credit reporting purposes is governed by the NCA.

The NCA promotes transparency and fairness in the access to credit.

It also promotes responsible borrowing by consumers and the protection of consumers against reckless credit granting.

Where do we obtain your information?

As a credit bureau we do not collect your personal information directly from you. To fulfil our duties as a credit bureau we are entitled, by law, to collect your personal information from the following data providers:

• Credit providers, whose information we are obliged by the NCA to accept;
• Government departments, courts and judicial offices;
• Providers of long term and short term insurance;
• Fraud investigators;
• Educational institutions;
• Debt collectors; and
• Other registered credit bureaux.

Your information that we need.

To process your personal information and provide credit reports to credit providers in compliance with the NCA, credit providers must provide us with:

· your initials or full name and surname,

· your South African identity number and if you have no South African identity number your passport number and date of birth.

Without this information the processing of information required to grant you credit lawfully and fairly, cannot be processed.

Credit providers may also request further information from you. This must be relevant to your application for credit, adequate to decide whether to provide credit to you and must not include information that is not necessary for this purpose. There is no law that forces you to provide this information but, if you do not provide information that is adequate to allow a credit provider to properly consider your application for credit, the consequence is that the credit provider will be unable to do so.

If you require access to your personal information, for your protection we must authenticate the identity of the requestor and we will need additional information from you to do so.

The full details of the information that we process is available in a manual that we publish as required by the Promotion of Access to Information Act 2of 2000 (PAIA) here.

Postal Address:	PO Box 491, Randburg, 2194
Telephone number:	010 590 9505
Email: