How to check if you are blacklisted on your credit report in south africa?

If you are in South Africa and want to check if you have been blacklisted on your credit report, there are several steps you can take:

Get a free credit report: 

You are entitled to one free credit report per year from each of the credit bureaus in South Africa (TransUnion, Experian, and Compuscan). You can request your free credit report online or by visiting the bureau's offices in person.

Check your credit report: 

Once you have your credit report, review it carefully to see if there are any listings for defaults, judgments, or other negative information. These listings can indicate that you have been blacklisted.

Contact the credit bureau: 

If you find listings on your credit report that you believe are incorrect, you can contact the credit bureau to dispute them. The bureau will investigate your dispute and make any necessary corrections to your credit report.

Check your credit score: 

Your credit score is a numerical representation of your creditworthiness and is used by lenders to determine your eligibility for credit. If your credit score is low, it could be a sign that you have been blacklisted or have other negative information on your credit report.

Seek professional help: 

If you are struggling to manage your debt and keep up with your payments, it may be helpful to seek the assistance of a debt counsellor or financial advisor. They can help you develop a plan to pay off your debt and improve your credit score over time.

Remember that being blacklisted can have serious consequences for your ability to obtain credit in the future. By regularly checking your credit report and taking steps to improve your credit score, you can avoid being blacklisted and maintain a healthy financial profile.

​​If you have any questions about debt you currently have, please feel free to reach out to a member of the Libertine Consultants team. We are here to provide you with judgement-free support and advice. 

Need advice? We can assist with that too! Submit your inquiry to us via email advisors@libertineconsultants.co.za and we will provide you with sound insights on the best way forward. In the meantime, keep an eye on our YouTube channel to get more practical advice on managing the financial stress of the pandemic.