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Is It Possible To Get My Credit Record?

Questions & AnswersCategory: Credit ApplicationIs It Possible To Get My Credit Record?
Anonymous asked 3 years ago

I was under debt review, and the debt counsellor withdrew the contact because I asked them to do so. I have paid most of my debts. I have a court order which I am paying now by garnish. This month is the last payment to be paid.

I need to know my credit record, so as to make sure that I am clean again.

1 Answers
Matthys Potgieter Staff answered 3 years ago

Hi there,

Thank you for getting in touch.

If you cancel debt review before receiving your clearance certificate you need to consider the following:

When a debt review is cancelled, the original credit agreement is revived and the creditors are free to proceed to enforce their rights in terms thereof. That is why we urge consumers not to cancel without making prior arrangements with creditors. We often assist them to do so. First reach a written agreement with the creditor about the capitalisation of all payments in arrears and the resumption of the original instalments prior to cancelling your review and losing your protection. What you must also keep in mind is that your debt review will be listed on your credit profile until a Form 19 is issued. This can only happen when;

  1. you have brought arrears up to date and are able to pay original instalments, or
  2. if your debt has been settled.

Once you are up to date with your repayments and have been keeping up with the payments for a couple of months pull your credit record. Check your credit score and payment history. If there are any discrepancies, take it up with the credit bureau. You can check your credit record with any credit bureau. TransUnion is the best, so we would suggest pulling your record there. By law you are allowed to pull your credit record for free once a year. Here is a link to TransUnion’s site.

I would suggest that you make sure your credit record and credit score is good before applying for new credit. Keep in mind that every time you apply for credit, and get declined, it affects your credit score negatively.

Have a great day.