Experian
Credit Report
*All information reflected on this report will reflect on Credit Providers reports upon performing an enquiry on you.
Please note that this report must not be used for credit consideration. This enquiry does not have a footprint on the Bureau.
Name and Surname
COLLINS MAKGOBOLA
ID Number
8901136157089
Bureau Enquiry Date
15 NOVEMBER 2024 12:36:21
Enquiry Reference
1131723255
Privacy Statement: Kindly note that this document contains personal information (as regulated by the Protection of Personal Information Act 4
of 2013) and consumer credit information (as regulated by the National Credit Act 34 of 2005) and should be dealt with according to privacy
legislation in South Africa.
Specifically, it should only be used for the purpose for which it was provided, it should not be disclosed to any unauthorized third party and should
be dealt with confidentially and should be discarded and expunged once it has been used. Kindly report any unlawful use hereof to
za.info@experian.com
Private and Confidential
Index
Credit Score 3
Payment behaviour 3
Monthly Credit Exposure 4
Identity Information 4
Contact Information 4
Address Information 4
Employment Information 4
Principal Information 4
Previous Enquiries 5
Accounts 5
About Experian South Africa 8
Free Dispute Process 8
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Credit Score
Your credit score is based on your full credit profile and was developed as a guide for you to track your credit risk status. There is no uniformed
credit score in South Africa. Service providers to credit providers (including credit bureaus) develop score models for their clients including credit
providers, depending on the client’s particular risk profiling criteria. Your score at credit providers and the different credit bureaus will therefore
be different. This score will therefore not necessarily be the score that a credit provider will look at when deciding whether or not to extend credit
to you as the credit provider may have developed its own score. Please also remember that credit scores will vary across the different credit
bureaus.
YOUR CREDIT SCORE IS
609
TM13-Time Selected Accounts Have been Opened indicates High Risk
TM22-Too few Mature Accounts with Good Payment History
TM18-Recent Arrears Level on Selected Accounts
TM20-Ratio of Accounts with Good Payment History to All Accounts is Low
TM61-No record of property deeds
Payment behaviour
This graph is a visual representation of your accounts and repayment behaviour over the past 24 months.
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Monthly Credit Exposure
This shows how much you spend on each type of credit facility per month.
Identity Information
This section displays your identification and personal information.
Name Surname Identity Number
COLLINS MAKGOBOLA 8901136157089
VERIFIED
Contact Information
This section displays your current and previous contact numbers.
Contact Number Contact Type Date Created
0765069144 CELL 14-06-2023
0645357668 CELL 11-10-2024
0642943634 CELL 11-10-2024
Address Information
This section shows all the addresses currently or were previously linked to your profile that are.
Address Postal Code Type
1697 KHUTSO STREET LENYENYE 0857 RESIDENTIAL
TZANEEN
Employment Information
This section displays information on your current and previous employment status.
Employer Name Occupation Active Date
SELF EMPLOYED SELF EMPLOYED 31-10-2024
COLLYMANZI 90 TRADING 30-09-2024
Principal Information
This section shows whether you are or were a principal of an enterprise and the current status, for example your status as a director or an
officer of the board of a company or a member of a close corporation.
Company Name Company Registration No. Member Type
COLLYMANZI 90 TRADING 2018/290490/07 DIRECTOR
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Registration Date 16-05-2018 Enterprise Type PRIVATE COMPANY (PTY) LTD
Enterprise Status IN BUSINESS Member Status ACTIVE
Member Size UNKNOWN Member Contribution UNKNOWN
Sic Code Appointment 16-05-2018
Member Status Date 16-05-2018 Status Date
Business Start Date 16-05-2018
Previous Enquiries
The list of previous enquiries shows which organisations have conducted an enquiry at Experian by viewing your credit report.
Enquiry Date Subscriber Contact No
01-11-2024 10:13:35 ABSA BANK LIMITED 0000000000
18-09-2024 14:15:52 NEDBANK CONSUMER 0000000000
17-09-2024 12:20:15 SBSA - GROUP CARD 0116361061
19-04-2024 12:59:21 VODACOM TBA
16-04-2024 19:43:08 NEDBANK LTD. 0112944444
03-04-2024 13:45:12 SBSA - GROUP CARD 0116361061
25-03-2024 14:35:20 NEDBANK LTD. 0112944444
22-03-2024 11:28:40 CAPITEC - MERCHANT 0219411223
ADMINISTRATION DEPARTMENT
13-03-2024 13:20:45 CELL C 0000084135
13-03-2024 12:33:55 NEDBANK LTD. 0112944444
28-02-2024 14:16:25 FIRST RAND 0875759404
22-02-2024 13:44:53 FNB MBG MULTI PRODUCT (CARD / TBA
CHEQUE / RCP)
22-02-2024 13:43:59 FIRST RAND 0875759404
19-02-2024 10:04:54 OLD MUTUAL FINANCE - SIGMA 0860506070
14-02-2024 14:31:39 ABSA BANK LIMITED 0000000000
Accounts
This section contains further information on your existing and past credit accounts, it shows how you have managed these account
repayments each month as well as the current status of the account.
P PAID-UP OK PAYMENT RECEIVED - NO DATA 120+ 90 60 30 ACCOUNT DAYS IN ARREARS
Account No. 0016510001153097040 No Joint Loan Participants 0
Account Open Date 11-10-2024 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 14,320.00
Account Type REVOLVING CREDIT ACCOUNT Overdue Balance R 0.00
Branch Code - Ownership Type OTHER
Credit Provider FOSCHINI RETAIL GROUP - Payment History 00
SPORTS SCENE
Supplier ID 166 Payment History Status --
Current Balance R 2,525.00 Payment Type OTHER
Date of Last Update 12-11-2024 Deferred Payment Date
Monthly Instalment R 260.00 Repayment Frequency MONTHLY
Last Payment Date 02-11-2024 Account Status OPEN/CURRENT
Loan Reason Code - Status Date
Months in Arrears 0 Sub Account No. -
Third Party Name -
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- - - - - - - - - - - - - - - - - - - - - - OK OK
DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2024 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV 2024
Account No. 5898461159013000 No Joint Loan Participants 0
Account Open Date 13-06-2023 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 5,000.00
Account Type CREDIT CARD ACCOUNT Overdue Balance R 340.00
Branch Code - Ownership Type OTHER
Credit Provider NEDBANK CREDIT CARD Payment History 211100?0000000000
Supplier ID 43 Payment History Status ------?---P--P-P-
Current Balance R 5,388.00 Payment Type OTHER
Date of Last Update 31-10-2024 Deferred Payment Date
Monthly Instalment R 630.00 Repayment Frequency MONTHLY
Last Payment Date 26-08-2024 Account Status OPEN/CURRENT
Loan Reason Code - Status Date
Months in Arrears 2 Sub Account No. -
Third Party Name -
- - - - - - - OK OK OK OK OK OK OK OK OK OK - OK OK 30 30 30 60
NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2024 FEB MAR APR MAY JUN JUL AUG SEP OCT 2024
Account No. BA136157132 No Joint Loan Participants 0
Account Open Date 27-09-2023 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 0.00
Account Type SERVICE RELATED WITHOUT Overdue Balance R 0.00
LIMIT
Branch Code - Ownership Type OTHER
Credit Provider MTN Payment History 0000000000000?????
Supplier ID 156 Payment History Status -P----PPPPPP-?????
Current Balance R 1,285.00 Payment Type OTHER
Date of Last Update 31-10-2024 Deferred Payment Date
Monthly Instalment R 1,346.00 Repayment Frequency MONTHLY
Last Payment Date 08-10-2024 Account Status OPEN/CURRENT
Loan Reason Code OTHER Status Date
Months in Arrears 0 Sub Account No. -
Third Party Name -
- - - - - - - - - - - OK OK OK OK OK OK OK OK OK OK OK OK OK
NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2024 FEB MAR APR MAY JUN JUL AUG SEP OCT 2024
Account No. 403418350 No Joint Loan Participants 0
Account Open Date 15-06-2023 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 0.00
Account Type SERVICE RELATED WITHOUT Overdue Balance R 0.00
LIMIT
Branch Code - Ownership Type OTHER
Credit Provider CELL C Payment History 0000000001000010
Supplier ID 28 Payment History Status PPPPPPPPP-------
Current Balance R 0.00 Payment Type OTHER
Date of Last Update 12-10-2024 Deferred Payment Date
Monthly Instalment R 0.00 Repayment Frequency MONTHLY
Last Payment Date 21-02-2024 Account Status PAID UP
Loan Reason Code - Status Date 12-10-2024
Months in Arrears 0 Sub Account No. -
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Third Party Name -
- - - - - - - - OK 30 OK OK OK OK 30 OK OK OK OK OK OK OK OK OK
NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2024 FEB MAR APR MAY JUN JUL AUG SEP OCT 2024
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About Experian South Africa
Experian South Africa (Ply) Ltd is a registered credit bureau with the National Credit Regulator (NCR) in terms of the National Credit Act
(NCA), NCR No: NCRCB16.
Experian holds consumer information; this information is used by financial services providers when performing a credit assessment and in
some instances a score enquiry on you. We receive consumer data from financial services providers when you make an application or update
your details with the service provider. We also receive payment information that reflects your payment behaviour, such as if you've made
payments on time, have skipped payments or closed an account.
You can access your personal credit report through the My Credit Check portal.
Free Dispute Process
If any of the information on your credit report is incorrect, outdated or unfair, you may log a dispute with Experian by logging into your My
Credit Check profile and log a dispute by clicking on Challenge My Information. Once you have logged the dispute, you will be requested to
upload a copy of your ID and proof of address (no older than 3 months) to verify your identity and documents in support of your dispute e.g.
Paid-up letter. Once all documentation is received, you will be supplied with an Experian reference number.
Allow 20 business days for Experian to resolve your dispute or query. During this time, Experian will contact the supplier of the disputed data
for further information and evidence relating to the data. The information being disputed will be masked from display during the 20-business
day investigation period and a notice to this effect is displayed on the credit report during this period to notify the reader that there is a dispute
under way and that all the information is not reflected on the credit report. If, at the end of this period, Experian does not receive credible
evidence from the supplier to support the data, the dispute will be resolved in your favour.
If you need more information, you may chat to Ed our chatbot who has a vast knowledge of information.
If you are dissatisfied with the outcome, you have the right to refer the matter as follows:
National Credit Regulator - 0860 627 627
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