1 0 Office Staff
Resume:
Privacy Statement: Kindly note that this document contains personal information (as regulated by the Protection of Personal Information Act 4 of 2013) and consumer credit information (as regulated by the National Credit Act 34 of 2005) and should be dealt with according to privacy legislation in South Africa.
Specifically, it should only be used for the purpose for which it was provided, it should not be disclosed to any unauthorized third party and should be dealt with confidentially and should be discarded and expunged once it has been used. Kindly report any unlawful use hereof to **.****@********.***
Experian
Credit Report
*All information reflected on this report will reflect on Credit Providers reports upon performing an enquiry on you. Please note that this report must not be used for credit consideration. This enquiry does not have a footprint on the Bureau. Name and Surname
KOKETSO RAKGWADI
ID Number
Bureau Enquiry Date
07 APRIL 2024 10:11:02
Enquiry Reference
.
Private and Confidential
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Index
Credit Score 3
Payment behaviour 3
Monthly Credit Exposure 4
Identity Information 4
Contact Information 4
Address Information 4
Employment Information 4
Principal Information 5
Previous Enquiries 5
Accounts 5
Debt Restructuring 7
About Experian South Africa 8
Free Dispute Process 8
How to Log a Dispute 8
Private and Confidential
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Credit Score
Your credit score is based on your full credit profile and was developed as a guide for you to track your credit risk status. There is no uniformed credit score in South Africa. Service providers to credit providers (including credit bureaus) develop score models for their clients including credit providers, depending on the client’s particular risk profiling criteria. Your score at credit providers and the different credit bureaus will therefore be different. This score will therefore not necessarily be the score that a credit provider will look at when deciding whether or not to extend credit to you as the credit provider may have developed its own score. Please also remember that credit scores will vary across the different credit bureaus.
YOUR CREDIT SCORE IS
610
TM65-ID Number linked to a Debt Review application or grant Payment behaviour
This graph is a visual representation of your accounts and repayment behaviour over the past 24 months. Private and Confidential
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Monthly Credit Exposure
This shows how much you spend on each type of credit facility per month. Identity Information
This section displays your identification and personal information. Name Surname Identity Number
KOKETSO RAKGWADI 900**********
VERIFIED
Contact Information
This section displays your current and previous contact numbers. Contact Number Contact Type Date Created
081******* CELL 07-03-2019
012******* WORK 07-03-2019
076******* CELL 07-03-2019
012******* HOME 31-01-2019
081******* CELL 31-01-2019
Address Information
This section shows all the addresses currently or were previously linked to your profile that are. Address Postal Code Type
11 MATLE STREET ATTERIDGEVILLE
PRETORIA
0008 RESIDENTIAL
11 MALIE STREET TSHWANE NU 0002 POSTAL
11 MATLI S STREET ATTERIDGEVILLE
PRETORIA
0008 RESIDENTIAL
1489 BLOCK U STREET BEIRUT
MABOPANE
0190 RESIDENTIAL
1489 BLOCK U MABOPANE 0190 RESIDENTIAL
Employment Information
This section displays information on your current and previous employment status. Employer Name Occupation Active Date
PRIME PRODUCT MANUFACTURING 31-05-2023
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CILLION TRADING 16 30-04-2019
CILLION TRADING OPERATOR 31-10-2017
CILLION TRADING 19-06-2017
SHOPRITE CHECKERS GENERAL ASSISTANT 31-12-2014
Principal Information
This section shows whether you are or were a principal of an enterprise and the current status, for example your status as a director or an officer of the board of a company or a member of a close corporation. Company Name Company Registration No. Member Type
TEAM PRODIGIES 2021/482130/07 DIRECTOR
Registration Date 19-03-2021 Enterprise Type PRIVATE COMPANY (PTY) LTD Enterprise Status IN BUSINESS Member Status ACTIVE Member Size UNKNOWN Member Contribution UNKNOWN
Sic Code Appointment 19-03-2021
Member Status Date 19-03-2021 Status Date
Business Start Date 19-03-2021
Previous Enquiries
The list of previous enquiries shows which organisations have conducted an enquiry at Experian by viewing your credit report. Enquiry Date Subscriber Contact No
06-04-2024 08:10:12 FIRST RAND 087*******
08-08-2023 13:15:37 VODACOM 021*******
08-08-2023 13:13:41 VODACOM TBA
Accounts
This section contains further information on your existing and past credit accounts, it shows how you have managed these account repayments each month as well as the current status of the account. P PAID-UP OK PAYMENT RECEIVED - NO DATA 120+ 90 60 30 ACCOUNT DAYS IN ARREARS Account No. 34357431 No Joint Loan Participants 0
Account Open Date 03-06-2017 No. of Instalments (Terms) 0 Account Sold to Third Party - Opening Balance R 23,040.00 Account Type REVOLVING CREDIT ACCOUNT Overdue Balance R 6,532.00 Branch Code - Ownership Type OTHER
Credit Provider DMC5 Payment History 999********** Supplier ID 6568 Payment History Status Current Balance R 6,532.00 Payment Type OTHER
Date of Last Update 31-03-2024 Deferred Payment Date Monthly Instalment R 635.00 Repayment Frequency MONTHLY Last Payment Date 31-05-2021 Account Status OPEN/CURRENT Loan Reason Code OTHER Status Date
Months in Arrears 9 Sub Account No. -
Third Party Name SPORTSCENE
- - - - - - - - - - - 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2024 FEB MAR 2024 Account No. 2810191673110078 No Joint Loan Participants 0 Account Open Date 28-10-2019 No. of Instalments (Terms) 65 Private and Confidential
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Account Sold to Third Party - Opening Balance R 80,000.00 Account Type PERSONAL CASH LOANS Overdue Balance R 80,000.00 Branch Code - Ownership Type OTHER
Credit Provider SHACKLETON Payment History 9 Supplier ID 9085 Payment History Status Current Balance R 80,000.00 Payment Type OTHER
Date of Last Update 30-04-2023 Deferred Payment Date Monthly Instalment R 80,000.00 Repayment Frequency MONTHLY Last Payment Date 05-04-2022 Account Status OPEN/CURRENT Loan Reason Code OTHER Status Date
Months in Arrears 37 Sub Account No. -
Third Party Name -
- - - - - - - - - - - - - - - - - - - - - - - 120+ MAY JUN JUL AUG SEP OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR 2023 Account No. 0016510001087452246 No Joint Loan Participants 0 Account Open Date 03-06-2017 No. of Instalments (Terms) 0 Account Sold to Third Party ACCOUNT SOLD TO 3RD PARTY Opening Balance R 23,040.00 Account Type REVOLVING CREDIT ACCOUNT Overdue Balance R 0.00 Branch Code - Ownership Type OTHER
Credit Provider FOSCHINI RETAIL GROUP -
SPORTS SCENE
Payment History 099999999999999999999999
Supplier ID 166 Payment History Status C Current Balance R 0.00 Payment Type OTHER
Date of Last Update 12-04-2023 Deferred Payment Date Monthly Instalment R 0.00 Repayment Frequency MONTHLY Last Payment Date 05-05-2021 Account Status ACCOUNT CLOSED Loan Reason Code - Status Date 21-03-2023
Months in Arrears 0 Sub Account No. -
Third Party Name DMC DEBT MANAGEMENT PTY
LTD
120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ OK MAY JUN JUL AUG SEP OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR 2023 Account No. 029******* No Joint Loan Participants 0 Account Open Date 27-10-2018 No. of Instalments (Terms) 12 Account Sold to Third Party ACCOUNT SOLD TO 3RD PARTY Opening Balance R 1.00 Account Type REVOLVING CREDIT ACCOUNT Overdue Balance R 0.00 Branch Code - Ownership Type OTHER
Credit Provider MR PRICE WEEKEND Payment History 099999999999999999876543 Supplier ID 151 Payment History Status C Current Balance R 0.00 Payment Type OTHER
Date of Last Update 07-05-2022 Deferred Payment Date Monthly Instalment R 0.00 Repayment Frequency MONTHLY Last Payment Date 30-04-2022 Account Status ACCOUNT CLOSED Loan Reason Code - Status Date 30-04-2022
Months in Arrears 0 Sub Account No. -
Third Party Name NIMBLE
90 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ OK JUN JUL AUG SEP OCT NOV DEC JAN 2021 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2022 FEB MAR APR MAY 2022 Private and Confidential
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Account No. 2810191673110078 No Joint Loan Participants 0 Account Open Date 28-10-2019 No. of Instalments (Terms) 65 Account Sold to Third Party - Opening Balance R 80,000.00 Account Type TERM LOAN DIRECT
COLLECTION
Overdue Balance R 0.00
Branch Code - Ownership Type OTHER
Credit Provider CAPITEC BANK LIMITED Payment History 099999999999999999999999 Supplier ID 1229 Payment History Status C Current Balance R 0.00 Deferred Payment Date
Date of Last Update 31-05-2023 Payment Type OTHER
Monthly Instalment R 0.00 Repayment Frequency MONTHLY Last Payment Date 11-05-2023 Account Status ACCOUNT CLOSED Loan Reason Code OTHER Status Date 11-05-2023
Months in Arrears 0 Sub Account No. -
Third Party Name -
120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ OK JUN JUL AUG SEP OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR MAY 2023 Debt Restructuring
This section indicates whether you have applied for or are currently subject to debt restructuring via a registered debt counsellor. Registration No. Contact Person Contact No.
NCRDC3096 COGAN PAUL LEONARD 087*******
Application Date 14-02-2020 Status Description APPLICATION FOR VOLUNTARY Status Date 20-02-2020 DEBT RESTRUCTURING.
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About Experian South Africa
Experian South Africa (Pty) Ltd is a registered credit bureau with the National Credit Regulator (NCR) in terms of the National Credit Act
(NCA), NCR No: NCRCB16.
Since the acquisition of Compuscan in 2019, Experian now holds two databases of consumer information; this information is used by financial services providers when performing a credit assessment and in some instances a score enquiry on you. We receive consumer data from financial services providers when you make an application or update your details with the service provider. We also receive payment information that reflects your payment behaviour, such as if you’ve made payments on time, have skipped payments or closed an account. You can access your personal credit reports through either the My Credit Check or My Credit Expert portals.
· My Credit Check
o The My Credit Check portal, available at www.mycreditcheck.co.za, references data from the Experian Sigma database, which is the historical Compuscan bureau database.
o Your My Credit Check credit report and credit score are generated from the Experian Sigma database.
· My Credit Expert
o The My Credit Expert portal, available at www.mycreditexpert.co.za, references data from the Experian database. o Your My Credit Expert credit report and credit score are generated from the Experian database. Note: Your credit score based on the Experian Sigma Database may be different to the one based on the Experian Database because the formulas and variables used to create the scores differ. Currently, these two databases and the scoring models are kept separate. Free Dispute Process
If any of the information on your credit report is incorrect, outdated or unfair, you may log a dispute with Experian following the process below. When you contact our call centre, you will be requested to submit a copy of your ID and proof of address (no older than 3 months) to verify your identity and in support of your dispute. Supporting documentation may also be required. Once all documentation is received, you will be supplied with an Experian reference number.
Allow 20 business days for Experian to resolve your dispute or query. During this time, Experian will contact the supplier of the disputed data for further information and evidence relating to the data. The information being disputed will be masked from display during the 20-business day investigation period and a notice to this effect is displayed on the credit report during this period to notify the reader that there is a dispute under way and that all the information is not reflected on the credit report. If, at the end of this period, Experian does not receive credible evidence from the supplier to support the data, the dispute will be resolved in your favour. If you are dissatisfied with the outcome, you have the right to refer the matter as follows: National Credit Regulator – 086*-***-***
Credit Ombudsman who can assist where their member is the data supplier – 086*-****** Banking Ombudsman for disputes related to banking products – 086*-***-*** How to Log a Dispute
· Dispute your ‘My Credit Check’ credit report
To challenge information on your credit report generated from the Experian Sigma database, please contact Consumer Care: o Email: ***.********@********.***
o Phone: 086*-**-**-**
· Dispute your ‘My Credit Expert’ credit report
To challenge information on your credit report generated from the Experian database, please contact Consumer Care: o Email: ***.********@********.***
o Phone: 086*-**-**-**
Remember to include a copy of your ID and proof of address (no older than 3 months) when logging a dispute.
Contact this candidate