A Consumer Profile is an overview of an individual in regard to credit and credit history. Credit grantors use this information to help them assess the risk involved in granting credit.
A search can be performed by providing a surname, forename, ID number and gender.
Consumer identification information
Information about the consumer, ID verification, other possible matches, addresses, contact and past employment details.
Judgments on file
All information pertaining to the judgment such as the court where it was granted, the attorney responsible, the date on which it was issued, the amount for which the judgment was granted and the reason for the judgment are stipulated.
Defaults will be included in this section. All information pertaining to adverse accounts will be shown. This includes the account type, adverse status, last payment date, instalment amount, current balance, adverse balance and payment history. Compuscan results are unique as they include microlender defaults when applicable.
Consumer debt counselling information
If the consumer is receiving debt counselling. The National Credit Act states that it is illegal to grant credit to a consumer that is involved with debt counselling.
Indicates whether a consumer has been handed over for collections to debt recovery agents. Details include the collections company details, amount and status.
If the consumer applied for an administration order. Details include the case number, order status, application date, administrator details and date granted.
Details of enquiries made, including type, date and name of the enquirer.