3 min read

How do we get your credit report?

Lucy Burgess
3 February 2017

We work with Experian to bring you your credit report - here's what you need to know.

What’s the difference between ClearScore and Experian?

Experian is a credit bureau. It’s one of four main agencies in South Africa that is licensed to collect information about your borrowing habits, and put it into a credit report. When you apply for credit, you give lenders permission to check your credit report. This helps them decide whether to lend to you.

The other three credit bureaus in SA are TransUnion, Compuscan and XDS.

ClearScore is not a credit bureau itself: it gives you access to your Experian data. We do this for free, because we don’t think people should have to pay to access their own information.

Can ClearScore change the information on my report?

Because ClearScore pulls your data directly from Experian, we can’t change it ourselves. We simply show you the information Experian currently hold about you. You can raise a dispute with Experian through ClearScore.

Check your credit score and report for free with ClearScore

How do I change information on my report?

If there is a mistake on your report, you can tell Experian using our official disputes process. Experian will then look into your dispute, and will contact you once they have a resolution. This can take up to 20 days, but it’s usually quicker than this.

If you want to track the progress and outcome of your dispute, you can contact Experian directly.

If you need any help with your dispute you can contact ClearScore using our Ask a Question form.

Can lenders see my ClearScore account?

Lenders can’t see your ClearScore account directly. However, your ClearScore account uses Experian data, which lenders do look at.

For example, lenders can’t see the ‘positive’ and ‘negative’ factors in your ClearScore account in the exact way we have written them. When you apply for credit, lenders will look at your Experian data rather than how it appears in your ClearScore.

Bear in mind that your credit report is only one factor in a lender’s decision. They also look at the information on your application (e.g. job, salary, whether you’re a home owner) and any past dealings you’ve had with them.

In a nutshell:
  • Experian is a credit bureau. ClearScore gets your report directly from Experian.
  • ClearScore can’t change the information on your report itself: it has to be changed by Experian. You can tell Experian what’s wrong using our official disputes process.
  • Lenders can’t see your ClearScore account directly. They can only look at your Experian data.
by Lucy Burgess

Lucy has a background in law. Having spent a considerable amount of time researching personal finance, she's one of our in-house experts. 

ClearScore exists to make your finances simple.
We offer a free service where you can handle everything to do with credit in one place. In your ClearScore account, you can see your credit score and the full details of your credit report. Your credit cards, mortgages, mobile phone contracts, loans, overdrafts and utilities all on the record. Our goal is to make ClearScore as simple, calm and straightforward as possible. Money is stressful enough.