With people these days more and more cautious about who they lend money to, using the Experian credit check facility can help you to establish the status of your credit history. Experian South Africa is a company dedicated to specialising in credit check solutions, able to draw up comprehensive credit checks using hi-tech software along with analytical expertise.
Why use Experian?
Experian aims to provide excellent customer service so that they are able to respond to each customer as an individual and provide for each customer’s unique situation. Over the years, the experienced staff has learned a lot about consumers, changing markets and businesses and is able to apply this knowledge to customer credit check support. The Experian client base includes a number of major retailers, micro-lending companies and all the major banks in South Africa.
What services are offered by the Experian credit check facility?
Credit Expert
Credit Expert is a service that allows you to access your credit information whenever you like. This gives you the power to protect and manage this private information. Credit Expert also provides monitoring alerts, fraud detection and identification verification to ensure that your credit history is not accessed and abused by other people.
There are a number of service options provided under Experian Credit Expert:
- Free Credit Expert Report: Every year you will be able to access your personal credit record for free for one month. To get thirty days of instant and free access to your credit report, simply register online with Credit Expert to request this service. With this free service you are able to view the same information that a lender would see if you are applying for credit. Viewing your account also gives you the opportunity to check that the information is accurate and that there has been no fraud or shady activities under your credit name.
- Credit Expert: Once you have viewed the free Experian credit report you can be given another thirty day period in which you can see if your credit rating has improved after a few months. At a cost of R19.00 per month you can request this service at any time in the year.
- Monthly Credit Expert: If you choose the monthly credit expert option, this allows you to view your report monthly without having to request it. You can stay informed about your credit record via a monthly fax or email. This service will cost you R156 per year.
- Annual Credit Expert: Knowing about your credit details is important and with the annual credit report you will be able to access this information online at anytime in the year for a period of one year.
View your up-to-date credit report online for one year. This service costs R145 per year. You also have the option of including a Credit Manager to your annual credit report service. This allows you to not only view your report anytime, but also provides you with fax, email or SMS notifications that will alert you if there are any changes to your credit profile. The combination of these services costs R198 per year. - Credit Risk Rating: This tool was developed by Experian for use with their credit reports. Using the rating system allows you to get an idea of how your application for credit may be influences by your credit history. This service will cost you only R5 per month.
- Detect: This tool will protect both the lender and you against any kind of fraud by checking the validity of the information on the credit application. This service can be provided at a cost of R5 per month.
With all these services and more, it’s easy to see why Experian are the leading specialists in the credit check industry. Knowledge is power; and Experian allows you to take control of your credit records by keeping updated about the status and changes of your credit report.
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