Seeing clearly what’s on your name counts

There are some money questions you only think about when life asks them. 

Like, “Why was my credit card application declined?” Or, “Will I qualify for car finance?” They’ll have you asking, “Is something wrong on my credit record?”

But you do not have to wait for a stressful question to push you into checking your record.

A credit check with your ID number is one of the simplest ways to see what credit information is linked to your name.

Your ID number helps a trusted credit platform confirm that you are really you. Once that is done, you can check your credit score and view your credit report online.

This gives you the full picture. It shows you your money story as your credit record can affect more than loan applications.

It can play a role when you apply for a cellphone contract, car finance, home loan, shop account or even a property rental agreement.

This makes the simple action of doing your “credit score with ID number check” so powerful. As it helps you see what credit providers may see when they look at your profile.

What’s in your credit report?

Your credit report gives you all the information behind your score.

It may show your personal details, credit accounts, payment track record, credit applications, any defaults or judgments on your name, and other credit-related information.

While your credit score gives you a quick view of your credit health, your report shows the story behind that number.

It helps you answer questions like:

• Has someone tried to use my details without me knowing?

• Are the accounts listed actually mine?

• Are my payments showing correctly?

• Is there old or incorrect information on my report?

Don’t shy away from the details. Look at whether the accounts belong to you. Check whether paid-up accounts are showing correctly. Look for missed payments that do not seem right. 

Also check for credit enquiries you do not recognise.

Without a doubt, the biggest value in checking your credit regularly is you can see possible finance problems early, before they become bigger money issues.

How to check your credit report online

With Finance365, the process is quick and easy.

We’re a helpful first stop because you can check your score and get all your related information in one place, with clear explanations that help you understand what you are looking at.

You will usually need to register with your basic details, such as your name, surname, South African ID number, cellphone number, and email address.

After that, you may need to verify yourself. This could be through an SMS code or another security step. 

This is there to protect your information and make sure no one else is trying to access your profile.

Then if wondering what it’ll cost you, rest easy. You can do an unlimited number of score checks and credit reports all year round for free with us. 

And no, checking your own credit score does not lower it. 

Don’t put it off. Check your credit score today. Know where you stand by knowing what’s linked to your name.