Judgement listings

The amendment to the National Credit Act means that the removal of a judgment notice does not require a rescission of the court order anymore.

In practice, however, the creditors do not always comply, and in many instances the judgment is still listed on the consumer’s name.

On receipt of the necessary documentation Healthy Credit will administer the process on your behalf, and make sure that all 4 major credit bureaus have indeed removed the judgment listings.

Defaults listings

A key part of your credit report is the payment profile/account history. This is a 24-month log that shows all the accounts that you pay in full and on time, as well as any late or skipped payments.

Your credit report will also show any defaults accounts which are more than three months in arrears and where the credit provider has noted that you are in default – even if you haven’t been handed over for collection or legal action.

You have the right to challenge the accurateness of the information recorded, and by signing a mandate with Healthy Credit , the lodging of the dispute process will be administered by us.

4 in 1 Credit Report

In South Africa, we have 4 major credit bureaus who record credit and personal information on consumers, namely Transunion ITC, Experian, XDS and Compuscan.

Different credit providers use different credit bureaus, and sometimes a default or judgment will reflect on one credit bureau, but not on another. It is therefore very important to obtain the data from all 4 bureaus, in order to accurately compare and assess your credit record.

Our relations with the 4 major credit bureaus makes it very easy to obtain a one stop 4-in-one easy understandable credit report, saving you valuable time in the process.