Where to get annual free credit report

It is also your right to receive a free credit report once a year, every year, from any of the credit bureaus operating in South Africa. All rights reserved. Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.

Experian Global Sites. Toggle navigation. Getting your free credit report and score. Getting your free credit report and score Since the acquisition of Compuscan in , Experian provides free credit reports and free credit scores on My Credit Check and My Credit Expert, which are our easy-to-use, online portals that allows all South African citizens with valid South African ID numbers to access their credit information via their personal extensive credit reports.

Your My Credit Expert credit report and credit score are generated from the Experian database. What is a free credit report? Did you know Your credit report at My Credit Check is free for life, so get yours today. My Credit Check.

Why should you view your free credit report? Where does the information on your credit report come from? The free credit check platform includes: Your personal details Your credit portfolio Payment history and behaviour Budget planner Your contact and address information Your perception of your position within the credit market Negative information including notices, defaults, judgments and debt collections Online dispute submission function.

Get your free credit report at My Credit Check today! What is your free Credit Score? Why trust your credit score? Credit and financial education. Visit our blog. My free report and score — Frequently asked questions. How do I get my free credit report? Visit www. Please include a copy of your ID and proof of address no older than 3 months when logging a dispute. Monitoring your credit report is a smart and simple way to be proactive about your finances.

Checking your credit report regularly can help you spot fraud early and ensure the correct information is reported to the credit bureaus. There are many resources available so you can get a free credit report as often as once a month. Below, CNBC Select reviews credit report basics and different ways you can get a free credit report, so you can start monitoring your credit now. No, checking your credit report does not hurt your credit.

And checking your credit score doesn't hurt your credit either. These actions are considered "soft pulls" which don't affect your credit score. Actions, such as applying for a credit card , which require a "hard pull," temporarily ding your credit score. Learn more: Check your odds of getting approved for a credit card without hurting your credit score. It depends. Reading time: 3 minutes Highlights: You're entitled to a free copy of your credit report every 12 months from the three nationwide credit bureaus by visiting annualcreditreport.

Box , Atlanta, GA MyEquifax You can get six free additional Equifax credit reports per year by creating a myEquifax account. Meeting certain requirements Under the Fair Credit Reporting Act , you are entitled to one additional free copy of your credit report during any month period if you meet one of the following requirements: You are unemployed and intend to apply for employment within 60 days; You receive public welfare assistance; You believe your credit report contains inaccurate information due to fraud.

You are also entitled to a free copy of your credit report if you meet these requirements: You have been the subject of adverse action, such as denial of credit or insurance, within the past 60 days. You have placed a fraud alert on your credit reports. If any of these situations apply to you, you can request your additional free copy of your Equifax credit report: Online at Equifax. It can also affect your chance to get a job, rent or buy a place to live, and buy insurance.

Credit bureaus sell the information in your report to businesses that use it to decide whether to loan you money, give you credit, offer you insurance, or rent you a home. Some employers use credit reports in hiring decisions. The strength of your credit history also affects how much you will have to pay to borrow money. Getting your credit report can help protect your credit history from mistakes, errors, or signs of identity theft. Check to be sure the information is accurate, complete, and up-to-date.

Consider doing this at least once a year. Be sure to check before you apply for credit, a loan, insurance, or a job. If you find mistakes on your credit report, contact the credit bureaus and the business that supplied the information to get the mistakes removed from your report.

Check to help spot identity theft. Mistakes on your credit report might be a sign of identity theft. Once identity thieves steal your personal information — information like, your name, date of birth, address, credit card or bank account, Social Security, or medical insurance account numbers — they can drain your bank account, run up charges on your credit cards, get new credit cards in your name, open a phone, cable, or other utility account in your name, steal your tax refund, use your health insurance to get medical care, or pretend to be you if they are arrested.

Identity theft can damage your credit with unpaid bills and past due accounts. If you think someone might be misusing your personal information, go to IdentityTheft.