Product Overview
Now you have the power to monitor, protect and improve your credit profile

Take control of your credit profile with Experian’s CreditExpert. CreditExpert offers fraud detection, monitoring alerts, ID verification and access to your credit report as frequently as you choose – giving you the power to manage and protect your personal credit information.

CreditExpert gives you the power to choose:


Additional options:
Free Experian credit report

Every year you are entitled to a free personal credit report. Experian gives you instant access to your report. Your report will be faxed or emailed to you depending on your preferred method of delivery. Request your free report by registering online with CreditExpert.

  • No more surprises – View the information a lender will see when you apply for credit
  • Guard your identity – Check your report for mysterious activity and potential fraud
  • Get it right – Be sure the information on your report accurately reflects your credit history
Links:
Get your free Experian credit report now
Monthly CreditExpert

Manage and protect your credit by viewing your report regularly. Stay informed with a monthly subscription to CreditExpert and view your report online as often as you like.

  • View your report online as often as you like during the month of subscription
  • No more surprises – View the information a lender will see when you apply for credit
  • Guard your identity – Check your report for mysterious activity and potential fraud
  • Get it right – Be sure the information on your report accurately reflects your credit history
Cost: R21/month

Links:
Get Monthly CreditExpert now
Annual CreditExpert

You know that knowledge is power, and the more you know about your credit, the easier it is to manage and protect it. With the annual subscription to CreditExpert, you can access your credit report online, anytime, for a year.

  • View your up-to-date credit report online for one year
  • No more surprises – View the information a lender will see when you apply for credit
  • Guard your identity – Check your report for mysterious activity and potential fraud
  • Get it right – Be sure the information on your report accurately reflects your credit history
Cost: R145/annum

Links:
Get Annual CreditExpert now
Credit Risk Rating

The Credit Risk Rating has been developed by Experian, exclusively for Experian’s credit reports. The rating system gives you an idea of how your credit history may influence the outcome of your application for credit. Find out more.

Cost: R5/month

Links:
Get Credit Risk Rating with your Experian credit report now!
Detect

Detect is used as protection for both you and the lender against application, impersonation and syndicate fraud. Detect checks the information supplied on the credit application against the information on Experian’s database. If there is a discrepancy in this information, the Detect field will alert the lender of potential fraud.Find out more

Cost: R5/month

Links:
Get Detect with your Experian credit report now!
ID Verification

ID Verification checks that the ID number supplied on an application matches your name. An ID number is considered to be verified if 1) it has been checked and validated by Home Affairs, and 2) the ID number exists on the Experian database. Find out more.

Cost: R5/month

Links:
Get ID Verification with your Experian credit report now!
Alerts

The Alerts functionality alerts you when you are not watching your credit profile on a daily basis. You will receive email, fax or SMS notifications, dependant on your preferred communication method, regarding changes to your credit profile. Get real-time updates whenever Experian receives changes to your contact details, occupation, payment profile, judgements, collections, etc.

Cost: R4/month

Links:
Get Alerts with your Experian credit report now!
Email/Fax Delivery Method

The email/fax functionality enables you to receive your credit report on a monthly basis by either email or fax in addition to the online report. This is dependent on your preferred communication method.

Cost: R1/month

Links:
Get Email/Fax with your Experian credit report now!

Why CreditExpert?
Register for CreditExpert
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What does my credit report look like?
Why CreditExpert?

Experian’s CreditExpert provides…

Power: Take control of your credit profile by monitoring your credit report with CreditExpert.

Education: Know your rights. Experian keeps you informed of new legislation affecting you as a consumer.

Value: A subscription to CreditExpert isn’t just an opportunity to see your credit report – it’s an interactive experience. Experian teaches you how to improve your credit, and now you can query your report and update information online.

Availability: Experian provides credit information instantly and will respond to queries in less than twenty days. Access your credit report, log a dispute and send instructions to Experian at any time of the day, no matter where you are.

Accuracy: With CreditExpert you can ensure that credit lenders aren’t receiving false information on your report, causing them to wrongly deny you credit.

Security: Credit Watch protects your credit information with ID verification, fraud detection and real-time notifications.

Self-service: Take full control of your credit profile and manage your information online – access your report, log a query, update information and upload documentation.

Communication: Consumers are encouraged to provide feedback about the products and make suggestions about what should be offered in the future.

Register for CreditExpert

In order to register for CreditExpert, you just have to follow 3 easy steps. This will enable you to have access to your credit report instantly and you could choose from a range of products and add-ons according to your needs. To register go to www.creditexpert.co.za and click on Become a member today! The member registration page will open and consists of 3 easy steps to complete:

Step 1 of 3 - Complete logon details, personal information and contact details

Step 2 of 3 - Complete address details and company information

Step 3 of 3 - Complete the authenticate process where we verify your details against the details held on our consumer database

If you pass the authenticate procedure and we have sufficient information to verify your identity you can immediately access your credit report and see all details. If however you do not pass the authenticate procedure we will ask you to fax or email proof of identification together with proof of residence before you are able to view your full credit report. The documentation can be faxed to 011 707 6700 or emailed to consumer@creditexpert.co.za
What does my credit report look like?
Please click on picture to view a sample of an Experian credit report