Credit Checks

Check a Credit Score and Report

Are you recruiter, employer or labour broker? Do you hire staff to work in your home?
Employing a person with an undisclosed poor credit history places you and your organisation at significant risk of incurring administrative and financial costs such as the administration of garnishee orders, high staff turnover, not to mention distracted and unproductive staff who are constantly worrying about debt collectors.

Do you issue credit for instalment sales transactions, credit card accounts or loans?
Fraudsters often move from credit granter to credit granter and default at each one costing thousands of rand worth of losses. Whether you are a credit granting institution, a micro lender, or an individual lending money to a neighbour, you are at risk of being defrauded in this way!

Are you a letting agent or a private person leasing property to individuals?
In South Africa, the eviction of non-paying tenants is extremely difficult and costly. Placing a tenant with a poor credit record may expose you to the risk of unpaid rentals and being stuck with a bad tenant that you cannot remove, effectively rendering your asset a liability!

Have you found your dream home or car and want to be sure of your credit rating before applying for financing?
Despite the National Credit Act (NCA) and Consumer Protection Act (CPA) regulations and guidelines unscrupulous vendors may submit prejudicial data to a credit bureau without your knowledge which will compromise your credit application unfairly, causing embarrassment and heart-ache.

If you answered “Yes” to any of these questions FraudCheck has the answer for you.

How can FraudCheck help to protect me or my company and save me money?

Adding a FraudCheck Credit Check to your FraudCheck ID online real-time verification will ensure that you are protected from the risks and costs of dealing with individuals with poor credit history and increase your ability to do business with reliable individuals. FraudCheck’s unique scoring system will instantaneously interpret the information and provide you with an immediate and objective result. Make the right decision on time, all of the time!

How does the FraudCheck platform work?

FraudCheck sources its information directly from major reputable South African credit bureaus. Combining a FraudCheck Credit Check with our FraudCheck ID online real-time verification confirms the validity of the South African ID number provided and whether the applicant has any adverse credit history.

What information will I get?

The FraudCheck Credit Check in combination with the FraudCheck ID online real-time verification confirms the following:

  • The ID number provided is valid and belongs to that person; and
  • the marital status is as stated, and
  • the address given is correct and current, and
  • whether the property is owned by the applicant, and
  • any and all court judgements, administration orders or sequestration orders, and
  • current and previous employment history, and
  • current valid bank details

That information is critical to my decision making, what does it cost?

Using FraudCheck Credit Check will add a mere 3 credits per check to your FraudCheck ID online real-time verification

Additional: There is a further option to combine a Payment Profile with the FraudCheck Credit Check. The FraudCheck Credit Check with Payment Profile provides the following additional information:

All NLR (National Loans Register) & CPA (Consumer Protections Act) data i.e.

  • All accounts in the person’s name, and
  • Current balances on those accounts, and -
  • Payment behaviour on the accounts.

Download an example of a Credit Check Report with Payment Profile here

The full FraudCheck Credit Check with Payment Profile will cost 6 credits per check.