A summary of what data is listed on each credit bureau: TPN, TransUnion and Experian
N/A: means Not Available (i.e. that credit bureau does not report that information)
N/R: means Not Requested (i.e. that Credit Bureau’s enquiry was not requested)
| Data Category | Description | Retention |
| ID Verified | The ID number has been verified to match the name and surname | |
| Active Accounts | The number of active accounts where credit is available | 5 years |
| Inactive Accounts | The number of accounts which have been close in the last 5 years for rent and 2 years for credit | 5 years |
| Judgements | The number of judgements listed against the individual
Note: paid-up judgements are removed and do not reflect here
| 5 years |
| Defaults | The number of defaults listed against the individual
Note: paid-up defaults are flagged as paid-up but still reflect here
| 2 years |
| Notices | The number of Notices listed against the individual
• Sequestration
• Rehabilitation
• Administration Orders
• Emolument Attachment Orders |
10 years
5 years
Until paid
Until paid |
| Under Dispute | There is information in this credit report which the individual is disputing. The credit bureau cannot display the information in dispute, which might be relevant to the assessment of the applicant. It is recommended to wait until the dispute has been resolved and to re-assess the application at that point | 20 Business days |
| Under Debt Review | The individual has applied for debt review as they may be over-indebted. The individual may not enter into any more credit agreements, as a lease agreement is not credit agreements, the individual may enter into a lease agreement. However it is recommended the debt councillor is contacted with the intention of verifying the value budgeted for rent to reconcile against the application for rent. | Until Clearance Certificate |
| Enquiries | A history of the businesses that have performed credit enquiries against this individual. | 2 years |