Credit Reports is the ultimate Credit Report Guide for South Africa. Credit Reports gives you all the insight and information you need when looking for a Credit Report. Start now by letting Credit Reports get you your 3 in 1 comparative credit report using credit reports from TransUnion (ITC), Experian and XDS. We have innovated the way that South Africans access credit information credit scores and build their credit status. Your credit report is the first step in building your credit power and getting access to credit that costs you less. Credit Reports also help you prevent Identity theft by monitoring access to your credit report. For as little as R79.00 per month you get the best of all credit bureaus credit reports in one place.
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Importance of viewing your credit report

Credit checks are usually conducted on a client, future client or employee in order for the company or lender to see what the credit history of the client looks like. Credit checks play an integral part in the decisions that are made whether to loan monies or give credit to individuals.

With Kudough you will now be able to check your personal credit history from at least three different credit bureaus in South Africa. All three bureaus are reputable and have been conducting business in South Africa for a long period of time.

With the National Credit Act in place to protect the interests and rights of consumers, you are now in a position to personally check credit yourself whenever you need to, especially before you apply for credit.

Should an employer require a credit check on future employees, consent from you is required prior to this information being divulged by the credit bureaus. This is to protect the privacy and the rights of individuals. You are now in a position to see exactly what the lender sees on a credit report.

Have your finger on the pulse at all times and ensure that there is no fraudulent activity carried out in your good name; the only way to keep an eye on this kind of activity is by carrying out regular credit checks with Kudough to ensure that you are not being taken advantage of in any way.

Start now by obtaining your Credit Report instantly and on line from Credit Reports South Africa. Save by getting access monthly with a host of tools and tips to help you manage and improve your credit status. Remember, credit reports are just the first step in changing your financial lifestyle. Let Credit Reports South Africa be your guide on the journey to powerful credit.

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About Kudough and our Credit Report

Kudough is about helping you build your credit status so that you can use it to your advantage. We call it Credit Power. It’s essentially credit that saves you money today and into the future through savings on loan repayments, insurance premiums and a whole lot more. Kudough is today’s solution to protecting your financial health, while building your financial strength. Kudough makes use of sophisticated technology that uses the information that credit bureaus and credit providers have and turn this into, well, gold if you look at it smartly. We put the power back into your hands giving you all the insight about your best financial opportunity – yourself.Improving your Credit Status or maintaining a good status is as important as earning your salary in the first place – its about protecting the value of your money and saving money in the future. Your Kudough Journey is a virtual representation of your monthly credit progress (Kudough Status). Your credit worthiness may improve, or get worse over time depending on your credit activities and if you have kept up to date with your account payments. We track your path by visualizing your Status across many amazing calculations over your membership period. So things in life are priceless, and one of those being insight into yourself.

Your Kudough Credit Report takes data from the three major credit bureaus to offer a fascinating 360 degree insight into your current credit status with an online credit report. It shows you what’s going on across all your accounts and highlights opportunities to save money and build your credit status. Kudough will help you spot areas of concern at a glance and as a Kudough subsciber you can get access to all the tools and tips to help you build your Credit Power

Benefits and tools available when accessing your credit report from Kudough

Credit Score

A credit score is a number generated by a mathematical algorithm, based on the statistical analysis of information in your credit report, compared to information on millions of other people. The number is a highly accurate prediction of how likely you are to pay your acounts. A number, roughly between 300 and 999, which measures an individual's credit worthiness.

Your credit rating is made up of information found in your credit report and can be grouped into the following main groups:

  • Payment History
  • Amounts owed / Account Utilisation
  • Age of Accounts
  • Judgments and Defaults
  • Enquiries

Remember, it's all about your CREDIT score!

Benefits and tools available when accessing your credit report from Kudough

To help you know all that there is about your credit status we created the Kudough Credit Power Status.

The Kudough Credit Power Status is Kudoughs measure of your credit worthiness and the structure of your credit profile. Your Kudough Credit Power Status is a ranking which plots you from A+ (Excellent) to an F (Poor) which will help you understand and manage your creditworthiness. The Status is created by combining your Credit Power Balance, Credit Power Score and Credit Power Activity. With this information you are able to construct a round view of your credit profile

Improving your credit status or maintaining and protecting a good status is imperative. Your Kudough journey is a virtual representation of your monthly progress (Kudough Status). Your credit worthiness may improve or get worse over time depending on your credit activities and if you have kept up to date with your account payments. This will give you an indication on how you are doing since your last Kudough Status Report.

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