CREDIT REPORT: 06/04/2020 (Full)

Credit Score
MCSDEV
TESTREPORT
479 Very Poor
CREDIT CHECK SEARCH RESULTS
ADDRESSES 9

PHONE NUMBERS 10

0 - 527 VERY POOR EMPLOYERS 5

PREVIOUS ENQUIRIES 17

528 - 602 POOR LOAN ACCOUNTS 1

OUTSTANDING LOAN VALUE R 0.00

603 - 649 FAIR LOAN INSTALLMENTS R 0.00

RETAIL ACCOUNTS 1
650 - 669 GOOD
RETAIL ACCOUNTS VALUE R 0.00

RETAIL ACCOUNTS INSTALLMENTS R 0.00

670 - 705 EXCELLENT
RETAIL ACCOUNTS VALUE 1

UNDERSTANDING YOUR REPORT

Your credit score is a number, typically between 300 and 850, intended to help potential lenders assess your
creditworthiness. Your credit score is based on some of the information contained in your credit report, and it acts as
a snapshot of your credit status at the point in time when a lender request the score. Generally, higher credit scores
show lenders that you are more likely to repay your loan (or credit card balance) on time and as agreed

WHAT IMPACTS YOUR SCORE? WHAT COULD NEGATIVELY IMPACT YOUR SCORE?

Payment history Late payment on your accounts

Credit utilization rate Missed payments on your accounts
Number of accounts Periods of unemployment
History of credit use Too many requests for new lines of credit
Employment history Using more than 80% of your available credit
Financial history Negative financial statuses such as bankruptcy
Being under administration
Having bad judgements against your name

Report provided by mycreditstatus.co.za

LISTING EXPLANATIONS

WHAT ARE JUDGEMENTS?

Credit/service providers may apply for a court judgement if you fall behind with your account payments. So for
example: failure to respond to a final notice or a summons may result in a judgement being granted against you. This
stays on your credit report for 5 years, after which it automatically falls away.

WHAT ARE NOTICES?

A notice is a legal action that has been taken against you after you have failed to pay a debt/outstanding account.
Notices include administration orders, provisional sequestration & rehabilitation orders. Administration orders remain
on your credit report for 10 years, rehabilitation orders 5 years, sequestration orders 10 years if no rehabilitation
order granted.

WHAT ARE DEFAULTS?

Should you fail to meet your debt repayment obligations, your creditor may list a default notation on your credit report
with a credit bureau. There is no court intervention. There are two types of defaults:

1. Adverse classification of consumer behavior for example: 'delinquent', 'slow paying', 'absconded' or 'not
contactable', (1 year)

2. Adverse classifications of enforcement action taken by the credit provider eg: 'handed over for collection', 'legal
action', 'write off', 'repossession', 'credit card revoked' (2years).

NOTE: If you pay outstanding debt, the credit provider will update your records with the credit bureaus to reflect a
'paid up' status

WHAT ARE ENQUIRIES?

Whenever there is a request for your report from a credit bureau. Your report contains the number of enquiries made,
the date, who did the enquiry and contact details.

WHAT IS AN ADMINISTRATION ORDER?

Once you have met your debt re-payment obligations, you can apply in court for an administration order. Your debt
must not exceed R50 000, an administrator will be appointed to your estate. THe administrator will distribute your
payments to your creditors. This will be on your record for 10 years.

OTHER LISTINGS

Credit inquries - 18 months;

Payment profile - 2 years;
Adverse classifications of consumer behavior (e.g. Default, Slow payer, Cheque account misconduct) - 5 years;
Liquidations - unlimited period; Debt restructuring - 2 years

TIPS TO IMPROVE YOUR SCORE

IMPROVE YOUR PAYMENT RECORD

Your payment track record is one of the most important factors in improving your credit score. Late or non-payments
can quickly damage your credit score. Make sure you pay accounts ontime and ensure that the providers have
received your payments

REDUCE YOUR DEBT AND NUMBER OF ACCOUNTS

Having high credit card balances or too many accounts will negatively affect your score. Settle as many acocunts as
you can, while keeping below your credit limit on the accounts remaining.

Report provided by mycreditstatus.co.za

USE A MIX OF CREDIT LINES

Having a mix of credit, bond, car loan and credit cards is considered healthier than having a multiple credit cards.

ADDRESSES

TYPE ADDRESS LAST RECORDED

RESIDENTIAL EXTENSION 14 VOSLOORUS EXT 14 1068 31 August 2016

RESIDENTIAL EXTENSION 14 VOSLOORUS EXT 14 1068 31 August 2016

RESIDENTIAL 11765 IZAMBANE STREET IZA VOSLOORUS BOKSBURG 1475 31 July 2013

RESIDENTIAL 11764 IZAMBANE STREET 1764 IZAMBANE STREET RUSLOO 1475 31 July 2009

NO 11764 ISAMBANE STREET EXTENSION 14 VOSLOORUS EXT 14

RESIDENTIAL 31 May 2007
RUSLOO 1475

RESIDENTIAL 11764 ISAMBANE STREET VOSLOORUS EXT 14 1475 20 March 2006

RESIDENTIAL 11764 IZAMBANE ST VOSLOORUS EXT 14 RUSLOO 1475 15 March 2006

RESIDENTIAL 11764 IZAMBANE VOSLOORUS UIT 14 1475 31 January 2006

RESIDENTIAL 11764 IZAMBANE EXT 14 VOSLOORUS 2001 31 May 2001

PHONE NUMBERS

TYPE NUMBER LAST RECORDED

WORK 011-4833930 30 September 2018

WORK 011-9118302 30 April 2013

WORK 011-2416919 08 November 2010

WORK 011-2416900 31 July 2006

CELL 084-6252095 30 September 2018

CELL 074-9639456 31 March 2015

CELL 078-7568851 Not provided

HOME 011-8639325 30 June 2010

HOME 011-9387010 30 September 2005

HOME 011-8639345 30 December 1899

Report provided by mycreditstatus.co.za

EMPLOYERS

OCCUPATION EMPLOYER FREQUENCY LAST RECORDED

STRATEGIC ALLIANCE 00 STRATEGIC ALLIANCE M Not provided

JHC 00 JHC M Not provided

WITS TECHNIKON 00 WITS TECHNIKON M Not provided

GENERAL WORKER 00 CITYNET PROPERTY GROUP M Not provided

WITSTECHNIKON 00 WITSTECHNIKON M Not provided

PREVIOUS ENQUIRIES

ENQUIRY DATE BRANCH CONTACT PERSON

11 February 2020 SBSA RETAIL BANKI A91479

04 February 2020 SBSA HL SBSAHL

03 February 2020 SBSA CHEQUE CHEQUE

04 December 2019 Rose Real Estates TENNET

04 November 2019 MIX TELEMATIC AFR SAMSONCE

03 October 2019 IHS Property Mana TENNET

04 September 2019 CREDIT RISK SUPPO A107368

04 September 2019 CREDIT RISK SUPPO A107368

03 September 2019 STANDARD BANK PRE A142841

28 August 2019 SBSA E PLAN PLAN2

06 August 2019 TRAFALGAR PROPERT TENNET

19 July 2019 NEDBANK CORP ND NB185714

16 July 2019 NEDBANK CORP ND NB185714

16 July 2019 NEDBANK BN NORTH 0605

16 July 2019 STANDARD BANK NOR A131029

15 July 2019 ABSA CCA AND NLR 005534

05 June 2019 TRAFALGAR PROPERT TENNET

Report provided by mycreditstatus.co.za

LOAN ACCOUNTS

LAST LAST OPENING CURRENT

STATUS ACCOUNT OPEN DATE INSTALLMENT
UPDATED PAYMENT BALANCE BALANCE

BAYPORT
Account
FINANCIAL 31-Oct-17 30-Sep-17 30-Apr-13 R 0.00 R 3,399.00 R 0.00
closed
SERVICES

RETAIL ACCOUNTS

OPENING CURRENT
STATUS ACCOUNT LAST UPDATED LAST PAYMENT OPEN DATE INSTALLMENT
BALANCE BALANCE

Account
NEDCARD 01-Aug-17 01-Aug-17 02-May-07 R 0.00 R 3,500.00 R 0.00
closed

PAYMENT PROFILE

ACCOUNT PAYMENT HISTORY

Paid
150+ 150+ 150+ 150+ 150+
150+ 150+ 150+ 150+ up
NEDCARD Dec Jan Mar Apr May
Aug 17 Sep 17 Oct 17 Nov 17 Feb
17 18 18 18 18
18

Paid 150+ 150+ 150+ 150+ 150+

150+ 150+ 150+ 150+
up Nov Dec Jan Feb Mar
Jun 18 Jul 18 Aug 18 Oct 18
Sep 18 18 18 19 19 19

150+ 150+ Paid up -

Apr 19 May 19 Jun 19 Jul 19

BAYPORT Account
OK OK
FINANCIAL closed
Aug 17 Sep 17
SERVICES Oct 17

JUDGEMENTS

COURT TYPE PLAINTIFF ISSUED ON ISSUED BY COURT REFERENCE

MAGISTRATE BAYPORT SECURITISATION RF LT 19 December 2014 BOKSBURG 10225/2014

Should you dispute the accuracy of any of the consumer credit information on your credit report, please
contact the credit bureau from whom we obtained your information:

Experian: telephone 0861 105 665 or email [email protected]

Report provided by mycreditstatus.co.za