Credit Verification

Comprehensive Credit & Financial Verification

Access real-time credit scores, affordability assessments, and bank account verification from South Africa's leading credit bureaus. Make informed lending decisions with confidence.

NCA Compliant
All Major Bureaus
Real-time Data

POWERED BY SOUTH AFRICA'S LEADING CREDIT BUREAUS

TransUnionExperianCompuscanXDS

Complete Credit Intelligence

Everything you need for responsible lending and credit risk assessment

Credit Score Reports

Instant credit scores from major bureaus with detailed risk analysis.

Affordability Assessment

Comprehensive income vs. expenses analysis for responsible lending.

Bank Verification

Real-time verification of bank account details and ownership.

Payment History

Detailed payment behavior analysis over the past 24 months.

Risk Indicators

Identify judgments, defaults, and adverse credit information.

Debt Analysis

Total debt exposure and credit utilization ratios.

Credit Verification Products

Choose the right credit check for your business needs

Express Credit Score

Quick credit score check with basic risk assessment

Instant

Includes:

  • Credit score (0-999)
  • Risk band classification
  • Score factors
  • Basic payment history
  • Credit utilization

Ideal for: Quick pre-qualification checks

Comprehensive Credit Report

Full credit bureau report with detailed analysis

Instant

Includes:

  • Complete credit history
  • All credit accounts
  • Payment performance
  • Enquiry history
  • Judgments & defaults
  • Trace information

Ideal for: Loan applications and credit decisions

Affordability Assessment

Income and expense verification for NCA compliance

Instant

Includes:

  • Verified income
  • Living expenses estimate
  • Debt obligations
  • Disposable income
  • Debt-to-income ratio
  • NCA compliance check

Ideal for: Responsible lending decisions

Bank Account Verification

Real-time bank account ownership verification

Instant

Includes:

  • Account holder name
  • Account status
  • Account type
  • Bank validation
  • Supports all major SA banks

Ideal for: Payment setup and fraud prevention

Understanding Credit Scores

Our credit scoring system provides clear risk assessment based on comprehensive credit bureau data. Scores range from 0 to 999, with higher scores indicating lower credit risk.

700-999- Excellent

Very low risk

650-699- Good

Low risk

600-649- Fair

Moderate risk

550-599- Poor

High risk

0-549- Very Poor

Very high risk

Sample Credit Report

Credit Score720
Excellent
Payment History100% on time
Credit Utilization28%
Active Accounts4
Total DebtR45,000

Bank Account Verification

Instantly verify bank account ownership across all major South African banks

Supported Banks

ABSA
FNB
Standard Bank
Nedbank
Capitec
Investec
Discovery Bank
TymeBank
Bank Zero
African Bank

How It Works

1

Submit account number and bank name

2

Real-time verification with the bank

3

Receive account holder details instantly

Industry Applications

Trusted by leading financial institutions and businesses

Lending

Banks, micro-lenders, and fintech companies for loan applications

Tenant Screening

Property managers and landlords for rental applications

Insurance

Insurance companies for policy underwriting and claims

Ready to Start Credit Verification?

Access comprehensive credit data and make informed lending decisions today