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Transcript of Credit Report Viewer
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 1 of 8Printed:13-Oct-2010 11:20
Call Centre: 0861 482 482
Web: www.mytransunion.co.zaTransUnion Credit Bureau
Consumer Credit Report
Name:
Date Requested:
SIMPHIWE JULY
13-10-2010 11:19
Your TransUnion Credit Report outlines your credit information and provides you with explanations for you to better understand and manage your credit. The information is gathered from your credit/service provider/s.
To assist you in understanding the report, we have provided explanations within each section.
Should you have any queries please contact TransUnion on 0861 482 482 from Monday to Friday 08h00 - 17h00 or Saturday 08h00 - 13h00.
Wanderers Office Park, 52 Corlett Drive, Illovo, 2196
P O Box 4522, Johannesburg, 2000
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 2 of 8Printed:13-Oct-2010 11:20
Your last known employers as supplied by credit/service provider when you completed their credit/service application form.
25/10/2007 CIVIL TECHNOLIGIST
24/12/2009 BVI CONSULTING WORKER LEVEL
08/10/2010 ENGINEERS
Date Employer Occupation
Your personal information is compiled from applications you have made, for example the last time you applied for credit. Included herewith is your personal information such as name, surname, marital status, physical and postal address, contact numbers, ID number, spouse details, current employer and occupation, captured at the time.
02SINGLEJULY
E-mail Address:
Previous Tel No. (W):Current Tel No. (W):
No of Dependants:Marital Status:
Also Known as:
Surname:
(021) 3866390
21/07/19777707215655088
Cellular:Previous Tel No. (H):Current Tel No. (H):Spouse Name:Date of Birth:ID Number:First Name: SIMPHIWE
JULY,SIMPIWE,JULY,SIMPHIEW,JULY,SIMPHISWE,
(021) 9492140(021) 3873343 (021) 70422300835321003
****No Address Information To Diaplay****
16/09/2009 92 EMMS DR,NYANGA EAST,NYANGA,7750,WC 01
16/09/2009 92 EMMS DR,NYANGA,CAPE TOWN,7750,WC 00
16/09/2009 N92 EMMS DR,NYANGA EAST,NYANGA,7750,WC 00
13/10/2010 92 EMMBRY DR,NYANGA,CAPE TOWN,7750,WC 00 OWNER
Date Address Years at Address Owner/Tenant
Your last known addresses as supplied by credit/service provider when you completed their credit/service application form/s).
SECTION A
1. YOUR PERSONAL INFORMATION
2. YOUR ADDRESS INFORMATION
3. YOUR EMPLOYMENT INFORMATION
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 3 of 8Printed:13-Oct-2010 11:20
A notarial bond is not considered negative information. It is a bond over moveable property registered by the Registrar of Deeds. Should you become insolvent the credit/service provider who holds the registered bond has preferential claim over the finances raised from the sale of the movable property.
***** No Notarial Bonds To Display *****
3. NOTARIAL BOND/S
YOUR CREDIT SUMMARY
This section includes a summary of the content of your credit report. Adverse credit information may include judgments, enforcement actions, sequestrations and rehabilitation. If you have paid your accounts late or have failed to pay, this will appear under either judgments, adverse information, notices or your payment profile which is your account payment history over 24 months.
Sub-Records Number Balance Most Recent Date
Judgment/s:
Notice/s:
Notarial Bond/s:
Default/s:
Total Account History:
Enquiries:
Trace Alert/s:
1
0
8
0
1
7
06 Aug 2009
0
11 Oct 2010
86 825
2 227
SECTION B
Defendant: JULY S Plaintiff: RAINBOW EDUCARE CENTRE
Date of Birth: 21/07/1977 Type: JUDGMENTS
Date of Action: 06/08/2009
Date of Capture: 09/09/2009 Nature of Debt: SERVICES RENDERED
Defendant Address: ID Number: 7707215655088
Remarks:
_____________________________________________________________________________________________
Attorney: GAYNOR SAAIMAN,0219482626 Amount: 2227
Court: MAGISTERIAL - CAPE TOWN Case Number: 22542 /09
If you fall behind with your account payments and fail to respond to reminder letters then the credit/service provider may apply for a court judgment. A judgment is granted when a court gives you the instruction to pay the outstanding account. A judgment remains on your credit report for 5 years and details of the judgment/s are outlined below.The Capture Date below indicate the date on which the data was captured on your TransUnion Credit Report.
1. JUDGMENT/S
***** No Notices To Display *****
If you fail to pay an outstanding account the credit/service provider can take legal action in the form of a notice against you. Notices include administration orders, provisional sequestration, sequestrations and rehabilitation orders. Administration orders remain on your credit report for 10 years, rehabilitation orders remain for 5 years and sequestration orders remain for 10 years if no rehabilitation order is granted.
2. NOTICE/S
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 4 of 8Printed:13-Oct-2010 11:20
***** No Defaults To Display *****
This information relates to late payment or non payment of your account/s, where the credit/service provider enforces their rights by taking action against you. If the default relates to an encforcement action such as, handed over the collection or recovery, legal action or write off, the default will remain on your credit report for 2 years. If the default relates to a subjective classification of your behavior such as, delinquent, slow paying, absconded or not contactable, the default will remain on your credit report for 1 year.
4. DEFAULT/S
Credit/Service Provider: MBD BATCH Contact Person: MBD SECURITISATION
Date: 29/06/2010 Type: OTHER
Contact Tel No: 011 5604235
_________________________________________________________________________________________
Remarks: Ref:
A trace alert is placed on your credit report when a credit/service provider has asked to be notified when any updated contact information is loaded to your credit report as they are unable to make contact with you due to outdated contact information.
5. TRACE ALERT/S
***** No Consumer Remarks To Display *****
This is an explanation of facts or conditions that affect you, for example your identity document has been stolen and you have requested that TransUnion note it on your credit report.
6. CONSUMER REMARKS
An enquiry is recorded whenever your credit report is shown to another party such as a credit/service provider. Enquiries remain on your credit report for up to 2 years. An enquiry is typically done when you apply for credit. If you do not recognise any of the companies that has done an enquiry and have not authorised any enquiry, it may indicate potential fraud or identity theft is taking place. When you personally check your credit report with TransUnion, the enquiry that is recorded will not adversely affect your credit standing.
29/09/2009 DIRECT AXIS SA DIRECTAXISDIRECDIRECTAXIS 021 6703404
NORMAL ENQ
03/05/2010 STD BANK BAYSIDE NASREEN (021) 4024114 EMPLOYMENT
21/10/2008 TPN USER LENCAR EXCLUSIVE PROPERTIES 0114323193
NORMAL ENQ
16/09/2009 CONSUMER CREDIT CUSTOMER SERVICE 0860100558 MICROLONE
11/10/2010 BMW FINANCE CPU MATHEWS 0861 BMWFIN (269346) NORMAL ENQ
06/08/2010 STD BANK E PLAN STANDARD BANK 011 999 9999 NORMAL ENQ
08/10/2010 THE MOTOR FINANCE IMPERIAL BANK - KATLEGO KEKANA (011)8799000
NORMAL ENQ
10/10/2010 ABSA CPU RANDB AVAF 0860669669 NORMAL ENQ
Date Enquirer Contact Tel No EnquiryType
7. ENQUIRIES
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 5 of 8Printed:13-Oct-2010 11:20
AFRICAN BANK LTD (E) (CREDIT CARD)
10101010 10 101010101009 09090909 09090909 0909
NU NU NU NU NU NU NU NU NU
Aug Sep OctJulJunMayMarFeb Apr
NUOKOKOKOKOKOKOKOKOK
Oct Nov DecSepAugMay Jul JanJun
OKOK
AprMarFeb
OK OKOK
Jan08
DecNov0908___________________________________________________________________________________________________
Date Opened: 12/09/2007 Opening Balance: 3000
Account Information
Account sold to a Third Party: No Deferred Payment Date:
No of Parties in Joint Account: 0 Repayment Frequency:
Two Year Payment History
Third Party Name:
Account Details
Monthly Instalments: 225 Current Balance: 3140
Type of payment: Account Ownership:
Type of payment: Account Ownership:
Account Details
Account sold to a Third Party: No Deferred Payment Date:
No of Parties in Joint Account: 0 Repayment Frequency:
Account Information
STD BANK RCP (REVOLVING)
Monthly Instalments: 334 Current Balance: 15581
Date Opened: 12/12/2005 Opening Balance: 15000
Date Opened: 05/03/2004 Opening Balance: 7900
Account Information
Account Details
Monthly Instalments: 486 Current Balance: 7987
Two Year Payment History
Third Party Name:
STD BANK MASTERCARD (CREDIT CARD)
10101010 10 101010101009 09090909 09090909 0909
OK OK 30 NU 60 90 90 60 90
Aug Sep OctJulJunMayMarFeb Apr
OKOKOKOKOKOKOKOKOKOK
Oct Nov DecSepAugMay Jul JanJun
OKOK
AprMarFeb
OK OKOK
Jan08
DecNov0908___________________________________________________________________________________________________
At a glance summary of your payment history colour status codes.
Account up to date
30
X
AC150+1209060OK
N VTSPM
E KHGFC
Suspended Account Closed / Paid Up
FrozenAccount Days in Arrears
Cancelled by
Consumer
Paid Out Deceased
Claime
Cancelled by
Supplier
Lapsed Policy
Terms Extended
AA
L WNUZ I J
Cooling off Settlement
Paid Out Disability
Paid Up Early Settlement
SurrenderedLoan Against Policy
Not Updated Credit Card Revoked
Handed Over
DeceasedPaid Up Default
Repossession Written Off
A summary of your accounts including the date the account was opened, the credit limit or amount of the loan, the payment terms, the outstanding balance on the account as well as a 24 month depiction of how you pay your accounts.
TOTAL ACCOUNT HISTORY/PAYMENT PROFILE
SECTION C
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 6 of 8Printed:13-Oct-2010 11:20
Third Party Name:
Account sold to a Third Party: No Deferred Payment Date:
No of Parties in Joint Account: 0 Repayment Frequency:
10101010 10 101010101009 09090909 09090909 0909
OK OK OK OK OK OK NU NU NU
Aug Sep OctJulJunMayMarFeb Apr
OKOKOKOKNUNUNUNUNUNU
Oct Nov DecSepAugMay Jul JanJun
NUNU
AprMarFeb
NU NUNU
Jan08
DecNov0908___________________________________________________________________________________________________
Two Year Payment History
Type of payment: Account Ownership:
Two Year Payment History
Third Party Name:
Account sold to a Third Party: No Deferred Payment Date:
Account Information
AFRICAN BANK / CI
10101010 10 101010101009 09090909 09090909 0909
NU NU NU NU NU NU NU NU NU
Aug Sep OctJulJunMayMarFeb Apr
NUNUNUTOKOKOKOKOKOK
Oct Nov DecSepAugMay Jul JanJun
OKOK
AprMarFeb
OK OKOK
Jan08
DecNov0908___________________________________________________________________________________________________
No of Parties in Joint Account: 0 Repayment Frequency:
Date Opened: 11/09/2007 Opening Balance: 11000
Account Information
AFRICAN BANK / CI
Type of payment: Account Ownership:
Account Details
Monthly Instalments: 0 Current Balance: 0
Date Opened: 11/11/2008 Opening Balance: 15000
Account Information
AFRICAN BANK / CI
10101010 10 101010101009 09090909 09090909 0909
OK OK OK OK OK OK NU NU NU
Aug Sep OctJulJunMayMarFeb Apr
OKOKOKOKOKOKOKOKOKOK
Oct Nov DecSepAugMay Jul JanJun
OKOK
AprMarFeb
NU OKNU
Jan08
DecNov0908___________________________________________________________________________________________________
Account Details
Monthly Instalments: 1475 Current Balance: 37302
Date Opened: 29/10/2009 Opening Balance: 40000
Two Year Payment History
Type of payment: Account Ownership:
Account Details
Monthly Instalments: 811 Current Balance: 7942
Third Party Name:
Account sold to a Third Party: No Deferred Payment Date:
No of Parties in Joint Account: 0 Repayment Frequency:
Third Party Name:
Two Year Payment History
10101010 10 101010101009 09090909 09090909 0909
OK OK OK OK OK OK 30 NU NU
Aug Sep OctJulJunMayMarFeb Apr
OK30OKOKOKOKOKOKOKOK
Oct Nov DecSepAugMay Jul JanJun
OK30
AprMarFeb
OK OKOK
Jan08
DecNov0908___________________________________________________________________________________________________
Type of payment: Other Account Ownership: Other
No of Parties in Joint Account: 0 Repayment Frequency: Monthly
Account sold to a Third Party: No Deferred Payment Date:
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 7 of 8Printed:13-Oct-2010 11:20
Monthly Instalments: 721 Current Balance: 5464
Account Details
Date Opened: 18/11/2009 Opening Balance: 7500
BAYPORT FINANCIAL SE
Account Information
Type of payment: Account Ownership:
Two Year Payment History
10101010 10 101010101009 09090909 09090909 0909
OK OK OK OK OK OK OK NU NU
Aug Sep OctJulJunMayMarFeb Apr
OKOKOKNUNUNUNUNUNUNU
Oct Nov DecSepAugMay Jul JanJun
NUNU
AprMarFeb
NU NUNU
Jan08
DecNov0908___________________________________________________________________________________________________
Third Party Name:
No of Parties in Joint Account: 0 Repayment Frequency:
Account sold to a Third Party: No Deferred Payment Date:
Monthly Instalments: 510 Current Balance: 9409
Account Details
Date Opened: 07/12/2009 Opening Balance: 9500
AFRICAN BANK / CI
Account Information
Type of payment: Account Ownership:
Two Year Payment History
10101010 10 101010101009 09090909 09090909 0909
OK OK OK OK OK OK NU NU NU
Aug Sep OctJulJunMayMarFeb Apr
OKOKNUNUNUNUNUNUNUNU
Oct Nov DecSepAugMay Jul JanJun
NUNU
AprMarFeb
NU NUNU
Jan08
DecNov0908___________________________________________________________________________________________________
Third Party Name:
No of Parties in Joint Account: 0 Repayment Frequency:
Account sold to a Third Party: No Deferred Payment Date:
Registered with the National Credit Regulator - Reg No.NCRCB4 Page 8 of 8Printed:13-Oct-2010 11:20
To find out more, visit our learning centre on www.mytransunion.co.za
YOUR ACCOUNT HISTORY/PAYMENT PROFILE CODES GUIDE
AA Your account has been suspended by the credit/service provider
AC Your account has been frozen by the credit/service provider
Your loan has been settled within the 5 day cooling off period
W
You have fully paid your account after a status code of J (Repossession) or W (Written Off) on your Account History/Payment Profile
X
Z TransUnion has received a notification from the credit/service provider that you are deceased
NU Not updated
T
Your goods have been repossessedJ
You have settled your loan early for account types such as Instalment Account, Personal Loan Account, Home Loan Account, Building Loan Account, Student Loan Account, Unsecured Credit Transaction Account
K A death claim has been paid to you as a principal/main beneficiary of a policy
L Your account has been handed over to an attorney or collection agency for recovery
M You have received a disability payout as the principal/main policy holder (Long Term Insurance only)
N
P Your revolving account has been paid in full and can become active again
E Your repayment terms have been extended by the credit/service provider
OK Your account payment is up to date
30-150+ The number of consecutive days that you have failed to make payment on your account
C Your account has been paid in full and is closed
F Your insurance policy has lapsed due to non-payment
G You have cancelled your insurance policy
H The insurance company has cancelled your policy
I Your credit card has been revoked or cancelled by the credit/service provider
You have been granted a loan against the outstanding value of your policy (Long Term Insurance only)
S Your policy has been cancelled and your premium has been paid out
Your account has been written off due to non-payment and will reflect on your credit report for 2 years
V
DEFERRED PAYMENT GUIDE
Quarterly: You are required to pay your instalment every three months
Bi-Annual: You are required to pay your instalment every six months
Annual: You are required to pay your instalment annually
ACCOUNT OWNERSHIP TYPES GUIDE
Sole Proprietor: If you are a Sole Proprietor you do business in your own name and you are the sole owner of the business. You personally are responsible for all the debts of the business. As a Sole Proprietor you may do business with a trade name other than your legal name
Joint Loan: A Joint Loan or Joint Bond is when the full value of your home loan is registered with yourself and one or more other individuals. The Payment History information is reflected against all the participants of the Joint Loan and not just the individual/s who are making payment
Other: If an ownership type is not supplied for either a Sole Proprietor or a Joint Loan then the Ownership Type defaults to “’Other”
This field indicates the manner in which an account is owned by you. There are three ways in which you can own an account