How To Clear Your Name After Being Blacklisted

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By Sanette Viljoen

Being blacklisted means that you have a negative credit profile. If you are on the blacklist, it means that you cannot get credit. You will therefore not be able to open a clothes or furniture account. A bank loan will also be impossible. You may only be blacklisted if judgment was taken against you.

The National Credit Act (Act 34 of 2005) stipulates that if you were blacklisted and have paid the debt for which you were listed, you may apply to the credit bureau where you were listed to have your name removed from that list. This can be done by applying for the cancellation of that blacklisting. Most attorneys will bring this application for you for a minimal fee. You may also apply directly to the credit bureau.

The majority of companies and financial institutions assess their risks on the basis of information supplied by the credit bureaux. If any negative information appears in an applicant's credit history it is highly improbable that finance will be approved. This shows how important it is to check your credit reports every year.

Every consumer is legally entitled to one free credit report a year from each of the 13 registered credit bureaux.

Contact the 13 registered credit bureaux here:

TransUnion – 0861 482 482

Experian SA – 0861 105 665

Xpert Decisions Systems (XDS)- 011 645 9100

Compuscan – 0861 514131

Consumer Profile Bureau- 010 590 9505

CreditWatch – 011 483 0086

Crosscheck Information Bureau (formerly known as MLCB)- 010 590 9505

Inoxico – 010 001 0540

LexisNexis Risk Management- 011 245 6500

Managed Integrity Evaluation- 012 644 4000

Robertsons International Reports – 011 777 4000

Tenant Profile Network- 086187 6000

Tenant Watch Business Activities – 011 394 6828

If you have a dispute with one of the credit bureaux, contact:

– National Credit Regulator- 0860627627, or

– Credit Ombudsman- 0861 662 837

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