Credit Reporting

Make more informed decisions with information you can trust. TransUnion is the largest credit bureau that manages credit information on both consumers and businesses. We maintain data on more than 17 million consumers and 3.3 million businesses in South Africa, helping businesses of all kinds better manage risk and relationships throughout the customer credit lifecycle.

The better the information you have on your customers and prospects, the better your decisions. With TransUnion Credit Reports, you can get current, comprehensive information on virtually every credit-active adult in South Africa. Depending on your needs, you can supplement these reports with information such as phone numbers, fraud alerts and deceased indicators.

Credit reports feature four standard types of information (in addition to any information from consumer statements):

• Identifying information
• Credit history, including collection items
• Public records
• Credit related enquiries

Use model profiles with scores that help predict future credit behaviour. For example, you can better identify the likelihood of delinquency with Empirica. Predict an individual’s likelihood of a specific behaviour or within a specific client portfolio with a customised score. Credit summaries provide a snapshot of a consumer’s obligations and credit report analysis can help you quickly locate individuals for collections.

Get comprehensive information on your debtors to better help you assess the risk associated with them. Choose from several standard formats, including an on-file offering containing historical data and an investigated offering in which TransUnion can source information based on your specific requirements. We can also customise the information you require into a standard report that can be used for low-risk assessments or a more comprehensive report for high-risk assessments.

You can predict the likelihood of a business experiencing financial stress within 12 months with our Small and Medium Business Score. This unique score utilises information on the business, its principals and other businesses associated with them. Dynamic Rating is a risk score tailored for listed companies; this large business score draws from public financial information.

To reduce the risk of fraud and help protect your customers and your business, your credit reports can also include warnings on inappropriate and suspicious data elements, as well as verified identity details.

With over 141 million business records the D&B Worldwide Network is the largest business information database in the world. As a member of this network, TransUnion can give you access to D&B Business Information Reports, making it easier for you to do business locally and around the world.