FIND THE PROBLEMS

Your credit report might look slightly different depending on which bureau you check. Each one has its own way of storing and scoring your info.

If you’re not sure what something means, reach out to that bureau for help, they’ve got support teams for exactly this reason.

Even if you don’t have a credit history yet, it’s still worth taking a peek at your score. It’s like knowing your starting point before you begin the game. You’ll see where you stand and what you can work on from day one.

Standard information included in your report includes

  • Personal Information
  • Contact Details
  • Address Information
  • Employment Details
  • Credit score
  • Credit Summary/Exposure
  • Payment Behaviour/Arrears/Notices/Defaults/Judgements/Sequestration
  • Fraud Alerts/Trace Alerts/Enquiries
  • Debt Review
  • Property Information
  • Directorship
  • Accounts/Accounts status

On your SPLENDI Dashboard or report, pay particular attention to:

  • No. of Accounts in Bad Standing
  • Total Outstanding Debt
  • Total Arrears Amount
  • New Accounts Opened
  • Adverse Listings