If you are wondering how to check if and why you are blacklisted then there are a number of avenues that you can follow to find this information. Firstly the South African credit bureaus are obliged to give consumers a copy of their record each year at no charge. They have also advised that consumers should request this record annually in order to ensure that they have not been blacklisted as many people do not think that they could have been blacklisted for missing one or two payments but this is often the case.
If you want to find out how to check if and why you are blacklisted then there are companies that will do this for you too. One such online company is Credit Health who for only R79 will provide you with a credit check and should you have a bad credit record, they will supply you with the advice and support needed to improve your credit record. According to Credit Health there are three are 3 credit bureaus that keep your credit history – TransUnion, Experian and XDS. This company will with do a credit check on your behalf with all three bureaus. What is more, this company will provide you with the information about who blacklisted you.
Being blacklisted is no joke and can have serious implications if you are looking to get credit for any reason whether it be for a home loan, or vehicle finance. So why risk the chance of being embarrassed when you are looking to buy that fabulous house or car only to have the bank or the car dealership say that you are blacklisted. It is important to keep a record of your credit history and be aware of any judgement that may have been brought against you. You can either get the free South African credit bureau record or go to a private company such as Credit Health to find out how to check if and why you are blacklisted.