Free Multi-Bureau Report
Take Control of Your Credit Story
Request a complete credit report — pulled from all four major South African bureaus and explained to you by our specialists in plain English.
What You'll Discover in Your Report
Most South Africans have never read their full credit profile. Here is what becomes visible the moment you do.
Every Active Account
Loans, store cards, retail accounts, vehicle finance, bond, cellphone contracts, gym memberships — the lot.
Your Real Score
Each bureau calculates differently. We show you all four scores and explain why they differ.
Adverse & Prescribed Listings
Defaults, judgments, administration orders and debts that have legally prescribed under the 1969 Act.
Why Request Through Debt365?
Consolidated, not fragmented
Other services only show you one bureau. We pull from all four — Experian, TransUnion, XDS and VCCB — so nothing is hidden.
Specialist interpretation
An NCR-registered debt counsellor reviews your report and writes a plain-English summary highlighting risks, opportunities and quick wins.
Free initial report
Your first report is free and there is no credit card required. We are funded by helping clients who choose to act on the findings.
POPIA-compliant handling
Your ID number and personal data are encrypted, stored under POPIA controls, and never shared without your written consent.
Why Regular Monitoring is Critical
In the South African credit landscape, errors on bureau profiles are more common than most consumers realize. A single incorrect default listing from a retail store or an outdated debt review flag can cause your home loan or vehicle finance application to be declined instantly.
By requesting a multi-bureau report through Debt365, you aren't just getting numbers; you're getting a legal audit of your financial reputation. We identify "phantom debts," incorrect judgments, and fraudulent accounts that may have been opened in your name.
Did you know?
Bureaus like TransUnion and Experian use different scoring algorithms. A "Good" score on one might be "Average" on another. Only a consolidated view gives you the power to negotiate lower interest rates with banks.
Your Information is Safe With Us
All requests are processed under the Protection of Personal Information Act (POPIA). Your ID number is used only to verify your bureau records and is never displayed back to anyone outside your account. We do not sell or share your data with third parties.