- If you can't remember your password, click “Forgot password”
highlighted in yellow:
- Enter your e-mail address and select “request
password”.
NB: If your email has changed, please email helpdesk@tpn.co.za to update it.
Please note: If you have multiple logins
associated to your e-mail address, you will be prompted to confirm your user name. If you cannot remember either; you will need to contact helpdesk@tpn.co.za
Once done:
- A password reset link will be sent to your e-mail address
- Open the email received and click "Click here to reset your password"
- You will be redirected back to the TPN website and you will be able to reset your password
- Follow the prompts on screen and enter a new password, then retype your new password and click " Change password"
Step 1. WhatsApp ‘Hi’ to TPN on +27(0)87 240 6117
Step 2. Follow and complete the instructions
Step 3. TPN sends the summary credit check report with an image directly
to your phone
*A link to the full report is sent by TPN to the email address on record
Step 4. Save the number in your contacts for future checks!
Watch a video on how it works...
The purpose of this guide is to explain how to read and interpret the information retrieved when performing enquiries via the TPN system.
It is important to note that TPN members have access to a range of enquiries, which allows members to have a more holistic overview of their risk decision process.
The documents that follow will attempt to address any questions that you may have with regards to enquiries.
A default judgment results from the named respondent's failure to appear
in court or from one party's failure to take appropriate procedural steps.
It
is entered upon the failure of the party to appear or to plead at an
appropriate time.
Failure to appear or answer is considered an admission of the
truth of the opposing party's pleading, which forms the basis for a default
judgment.
The default judgement is public information and appears on your credit report for 5 years or until the judgement is rescinded by a court or paid in full. Once paid in full the consumer no longer has to get the judgement rescinded in court.
The bank account
verification service on TPN Credit Bureau verifies the account details
specified directly with the bank and a result is
returned indicating whether the account is open, active and linked to the
specified applicant.
You can verify accounts for the following banks:
·
ABSA Bank
·
African Bank
·
Capitec Bank
·
Discovery Bank
·
First National
Bank (FNB)
·
Grindrod Bank
·
Investec Bank
·
Nedbank
·
Rand Merchant
Bank ( RMB)
·
Sasfin Bank
·
Standard Bank
·
Tyme Bank
A credit bureau is a company that provides the credit information and history of consumers.
This helps the credit provider to assess the credit worthiness of the consumer - for example, the ability to pay back a loan or to pay their rent.
Credit bureaux collect financial information on individuals and businesses from data providers with which the bureaux have a relationship.
Data providers can be businesses, credit providers, debt collection agencies and the courts that the consumer or business has had a relationship or experience with. Data providers report the experience with the consumer to the credit bureaux.
The data provided to the bureaux as well as the data collected independently by the bureaux are then aggregated into the bureaux's databases.
The resulting information is then made available on request to members for the purposes of credit assessment and scoring.
Through TPN, members have access to court, bank, insurance, and retailer related credit information through both the Experian and TransUnion (formerly known as ITC) Credit Bureaux.
Members also have access to TPN's unique and highly specialised database of rental payment profile information.
As TPN is a registered credit bureau, all information stored on consumers by TPN is regulated by the National Credit Act of 2005.
TPN holds a database of information profiling the behaviour of tenants
in the rental industry. This information includes a history of where a tenant
has rented, the duration of the lease, how much their rent was and who their
rental agent or landlord was.
TPN members are welcome to contact each other to confirm tenancy and
behaviour.
TPN also includes negative (default/blacklisting) Rental Payment
Profile (RPP) information - RPP indicates a payment behaviour trend. This
information is updated monthly by our members and indicates whether the rent
was paid on time, paid late, partially paid, or not paid at all.
Due to its achievements in the property market, TPN has
diversified its services to schools and other businesses. Its tools,
which include credit checks, employee screening, and affordability
scorecards, have made it a leader in the education sector by ensuring
timely fee collections and effective risk management.
Most of the documents
available in this section are PDF documents. In order to open these documents,
you will need Adobe Reader version 7 or later installed on your computer.
If you don't have
Adobe Reader version 7 or later installed on your computer, you can freely
download and install the software from the Adobe website. Please click here to
download the software or copy and paste the following URL in the
"address" line in your web browser:
http://get.adobe.com/reader
If you have an older
version of Adobe Reader installed on your computer, you will see the following
error message when you try to open the attachment:
There was an error opening this document.
This viewer cannot decrypt this document.
Please upgrade your
current version of Adobe Reader by downloading the newer version from the Adobe
website.
Customer Due
Diligence is required according to FIC Act (FICA) for all accountable
institutions.
The TPN
Enhanced Due Diligence Check verifies consumer information against
trusted third-party sources and numerous global databases, including those
specifically mentioned in the FIC Act.
- Search over
5500 Global Sanctions and Watchlists
Including the Targeted Financial Sanctions list from the United Nations Security Council (UNSC) as prescribed
by the FIC Act.
- Verify Political
influence and exposure using up to date local and global sources.
- Search
Global Adverse media.
When used with other TPN Credit Checks you are able to:
- Select the KYC Check to verify your applicants identity against South African Department of Home Affairs and confirm proof of address using golden sources
- Verify Income and bank account details directly with the bank
- Business Check to confirm Members; Directors and Shareholders to ensure you are checking all relevant parties.
Estate agents / Landlords need to get the written consent of the individual that they are performing the request upon according to NCR regulations. TPN advises all their members to make this written consent part of the tenant application form that the tenant fills out when viewing the property, as well as part of the lease agreement.
A generic application form is available on the TPN shop website as part of the LeasePack.
Other information includes
- ID/Passport number
- For a passport number, the date of birth and nationality of the applicant is also required.
- Full name
- Current Address
- Cellphone number
For more information please read performing an individual enquiry in the TPN manual.
TPN members have access to performing ID Biometric and ID Verification enquiries, TPN enquiries, TransUnion enquiries and Experian enquiries.
You should be performing enquiries on all potential occupants of the
property.
TPN has noticed that there is an increasing trend for tenants with bad
credit profiles to get friends or partners with clean credit to rent properties
in their names. This often results in the occupant with bad credit not paying
their share of the rent, resulting in partial payment.
This can be very frustrating for Estate Agents and Landlords as the
paying tenant normally refuses to pay the remaining portion of the rental.
The same applies to companies. Be sure to credit vet the
members/directors especially in the instance of a sole proprietor. How a
consumer handles their credit is indicative to how they will handle the
company’s credit. Companies can very easily stop trading making it crucial to
fully understand the risk on not just the company, but the directors associated
with that company in their personal capacity as well. Remember, written consent is needed to credit
vet the individual in their personal capacity.
An individual enquiry is performed on a natural person with either an RSA ID number or a passport number.
A company enquiry is performed on a juristic entity - e.g. a PTY or CC with a company registration number
When a search is performed on an
individual, all the companies that the individual is a member or director of
(or has been in the past) are listed in the enquiry.
This allows the rental agent /
landlord to validate the information that has been supplied to them by the
applicant and establish a risk profile based on the status of the companies
listed - e.g. if the individual is a member of many companies which have been liquidated,
they could be considered a high risk tenant.
When a search is performed on a
company, all the directors (current and historic) are listed in the enquiry.
Again, this allows the rental agent
/ landlord to validate the information that has been supplied to them by the
applicant.
Positive information can consist of a payment history, or a reward
loaded onto a tenant's credit profile.
This information should be used to assess the prospective tenant's future
behaviour and credit worthiness.
Ultimately it is up to the landlord to decide whether to take on a
tenant or not - different landlords may have different appetites for risk,
meaning that one landlord may take on a tenant that another would decline, and
vice versa.
The other points to consider when interpreting negative data is the
date of the information, how many negative records vs positive records there
are, and the Rand amount of the positive information.
Negative information includes bad payment history or court records
(judgements, defaults & notices).
This historic information should be used to assess the prospective
tenant's future payment behaviour.
Ultimately it is up to the landlord to decide whether to take on a
tenant or not - different landlords may have different appetites for risk,
meaning that one landlord may take on a tenant that another would decline, and
vice versa.
Where there is a negative history from a four or five years ago, the
agent or landlord can consider that as less risky than an applicant with a
consistent history of negative payment or where there is a recent negative
record - where the concern is that the applicant may have gotten him/herself
into financial trouble and more negative information could soon follow.
The other points to consider when interpreting negative data is the
date of the information, how many negative records vs positive records there
are, and the Rand amount of the negative information.
Consumer information consists of also known as names,
previous addresses, employment information and telephone numbers.
This information should be used to match the
information supplied on the tenant application form to ensure the accuracy of
information supplied by the tenant.
This information is recorded to indicate how many times an individual has applied for credit in the past 12 months.
A high amount of enquiries in a short space of time could be an indication of fraudulent activity, the "acceptable" average number of enquiries per a 12 month period is 5 enquiries.
Remember, if an individual has applied for a home loan or car finance, for example, they may have shopped around for credit and those enquiries should be considered as one enquiry.
This is information that TPN has collected from estate agents and landlords related to the rental of previous accommodation by the tenant.
This information includes a history of where the tenant has rented, how much the rent was, who the rental agent or landlord was, and how the rent was paid in each month of the lease.
It is important to look at the inception dates of the leases, as this will help you to establish how often the tenant moves properties. The rental amount and payment history will also help you determine a history of affordability.
The lease information will also indicate from whom the tenant rented - TPN members are welcome to phone each other to confirm tenancy and behaviour.
TPN collects information relating to the payment of tenant's rental accounts from our members on a monthly basis. this information provides the TPN member performing the enquiry with a summary of the tenant's past payment history - a feature which will assist the member in making a decision on whether the applicant is likely to pay their rent in the future.
As per Regulation 17 of the National Credit Act, payment profile information is kept for a period of 5 years.
There are two types of payment profile information - information on TPN (Rental Payments) and on TransUnion (Credit Account Payments)
TPN has the following Rental Payment Profile (RPP) ratings:
|
Code
|
Rating
|
Meaning
|
| POT |
Paid on Time |
The full amount due on the statement* was paid in full on or before the due date. |
| GP |
Grace Period** |
The amount due on the statement* is paid in full anytime between the payment due date up to 7 days late (at the agent/landlord's discretion)
Example: if the rent is due on the 1st, Grace Period can be loaded if payment is made from the 2nd to the 7th of the month |
| PL |
Paid Late |
The amount due on the statement* is paid in full any time between the Grace Period and the due date of the next month
Example: if the rent is due on the 1st, Paid Late is loaded if payment is made from the 8th to the 31st of the month |
| PP |
Partially Paid |
The tenant does not fully make payment before the end of the month - i.e. there is a balance outstanding at month end
It makes no difference when payment is made; even if the tenant makes payment on the 1st but there is still a balance outstanding, it will be loaded as partially paid |
| DNP |
Did Not Pay |
The tenant has not made any payment in that month
Note: if the tenants pays the amount due in the following month(s), the Did Not Pay rating is not changed - the Rental Payment Profile is a factual representation of how payment was made in that given month
|
Definitions:
* Statement includes any balances brought forward, rental and all additional charges such as electricity; in other words the total amount that the tenant is due to pay.
** Grace Period - a tenant has no legal right to a grace period. Should the rental not be paid on the due date the agent/landlord can start the collection process immediately, and may mark that month's RPP as Paid Late.
TPN has allowed both Grace Period and Paid Late categories to help distinguish between the severity of a tenant's late payment.
TransUnion uses a system of numbers and letters to represent the status of the account:
The numbers represent how many months in arrears the account is - i.e. 0 indicates 0 months in arrears, 1 indicates 1 month in arrears etc.
Please note that once the account reaches 9 months, TransUnion does not continue counting - the account will remain on 9 months in arrears.
The letters represent various statuses of the account - e.g. 'C' indicates the account has been paid in full and is closed, 'G' indicates the consumer cancelled their insurance policy, etc.
For a full list of meanings, please see the following table explaining the codes in full
The ID is blocked by
DHA.
It could have been reported by the Consumer as being used fraudulently, or
DHA picked up that it has been fraudulently used and blocked the ID.
The
Consumer must contact DHA and receive a Clearance Letter before you proceed
with placing the tenant.
What is the Credex Score?
The Credex Score specifically scores the applicant to determine their suitability as a tenant.
There are 3 components to the score, these being: application, affordability and squat. These are all used to determine an overall Credex Score.
Additional information is required to perform the Silver and Gold Credex Score including the value of the rent, how many tenants there are, the applicant in question’s contribution towards the total rental, and the applicant’s salary.
Important considerations:
This score is based on the data available – the more credit bureau enquiries requested the better the predictability of the score. In other words the score is most predictable when TPN, TransUnion and Experian enquires are all requested.
The overall Credex Score is a wrap - up of application, affordability and squat components. The Basic Credex Score does not include the affordability and squat components and, as such, the applicant will never score in the excellent bucket due to the fact that the input data is actually limited.
PURQ is a centralised database of verified higher education
qualification data. TPN clients have direct access to this information on
RentCheck / SmartCheck enquiries at no extra cost. The PURQ central database is
linked by ID number which aggregates all the person's qualifications
into a single view.
The PURQ enquiry covers 70% of all tertiary intuitions in South Africa.
The full list of institutions included can be found here: https://purcosa.co.za/memberlist
To access PURQ qualification data:
1.
Login to TPN
2.
Perform a RentCheck / SmartCheck Enquiry
3.
Click on the Qualification Tab for PURQ results
Data Reciprocity Reminder: Submit your
Data to TPN to activate RentCheck / SmartCheck on your TPN Profile.
Important note: If a degree was received on an old
South African identity number (before 1986) and the institution that granted
the degree did not update it to the new identity number on their system, the
degree may not show up in the PURQ enquiry as all 13 digits of an identity
number are matched.
TPN RentCheck is the most comprehensive enquiry available in the market to assess tenants.
RentCheck | TPN | - Rental Payment Profile
- Judgement
- Defaults
- Notices (Sequestration, Rehabilitation, Administration Orders)
- Credit Exposure
- total value of credit borrowed
- value of monthly repayments
- Amount in arrears
- Account Payment Profile
|
| TransUnion |
| Credit Exposure |
How will the information help secure better tenants?
- Early warning indicators - “late or non” payment profile will reflect in the Arrears Balance even before judgement or defaults are listed.
- Post Credit Amnesty indicators – “late or non” payment profile will reflect in the Arrears Balance even if judgements or defaults were removed due to the Credit Amnesty
- Rental Payment Profile is key – generally a tenant who has a perpetual history of late or non payment of rent continues this payment behaviour in the future. Any tenant who displays a deviation from a history of paid on time and in full behaviour is scored as riskier; the landlord / estate agent may choose to reject the tenant or contract with stricter terms such as higher deposits, surety, debit orders, month-to-month as opposed to a fixed term lease.
What information is included in the TPN RentCheck?
- In order to access the RentCheck enquiry, the Agent / Landlord is required to load a minimum of 1 (One) month's Payment Profile Information onto the Database;
- The Agent / Landlord acknowledges and accepts that ongoing access to RentCheck shall be dependent on Rental Payment Profile information being updated on a monthly basis and that TPN may, in its sole discretion, suspend the Agent / Landlord's access to RentCheck at any time should the Agent / Landlord fail to timeously provide such information to TPN.
This enquiry provides information from TPN Credit Bureau.
The information displayed on the TPN Enquiry is lease data, for
example:
· Where the
applicant has rented previously.
· How much the rent
was.
· How the rent was
paid.
The enquiry consists of:
|
Personal Information
|
Header / Consumer Information
|
Information which allows the
member to validate the information given to them by the applicant: ID number,
name, gender, citizenship, date of birth, number of dependents, age are all
displayed here
|
|
Aka Information
|
Also known as names: this
information is updated with information entered by the service/credit
provider when performing enquiries or loading information to the bureau.
|
|
Contact Addresses
|
A list of known addresses for the
consumer, supplied and captured in previous credit applications
|
|
Contact Numbers
|
A list of known contact numbers
for the consumer, supplied and captured in previous credit applications
|
|
Associated Companies
(Directorship Information)
|
A list of current and historic
companies of which the consumer is/was a member or director
|
|
Payment profile information
|
Credit Summary
|
This is a summary of the data
categories recorded on the consumer's profile - i.e. number of active accounts,
defaults, judgements; companies and payment profiles
|
|
TPN Account
Information
|
A list of current and previous
leases, levies and other credit accounts loaded on TPN's database which will
include monthly Rental Payment Profile as well as defaults/rewards (where
applicable)
Other information included is
details of leasing agent / managing agent / landlord and their contact
details. Property address, available as per information captured/ submitted by agent.
|
|
Footprints
|
Supplier Information
|
A list of suppliers who could
possibly hold information on the applicant. This list is made up of suppliers
who have either performed enquiries or else loaded data on the consumer
|
|
Enquiry Information
|
A list of which service/credit
providers have made enquiries on the consumer in the last two years, maximum of 20 displayed.
|
This enquiry provides information from TransUnion Credit Bureau.
The enquiry consists of:
|
Consumer
Information
|
Personal
Details of the consumer, including full name, title, sex, date of birth,
ID/passport number, marital status, dependant's and telephone numbers
|
|
Debt
Counselling / Debt Review
|
A
flag that indicates that the applicant is under debt counselling/review (if
applicable)
|
|
Consumer
Aka
|
Also
known as names: this information is updated with information entered by the
service/credit provider when performing enquiries or loading information to
the bureau
|
|
Consumer
Addresses
|
A
list of known addresses for the consumer, supplied and captured in previous
credit applications
|
|
Telephone
History
|
A
list of known contact numbers for the consumer, supplied and captured in
previous credit applications
|
|
Consumer
Occupation / Employer
|
A
list of the known employment information for the consumer, supplied and
captured in previous credit applications
|
|
Consumer
Counters
|
A
list of data categories regarding the number of listings on the consumer's
profile - e.g. number of judgements, defaults, notices, enquiries etc.
|
|
Consumer
Trace Alerts
|
Indicates
whether the consumer has any trace alerts on their profile - a trace alert is
placed on someone's credit profile if a creditor cannot get hold of them.
Whenever an enquiry is performed on the consumer, the person that has placed
the trace alert will receive the consumer's updated contact information
|
|
Consumer
Trace Alerts
|
Indicates
whether the consumer has any trace alerts on their profile - a trace alert is
placed on someone's credit profile if a creditor cannot get hold of them.
Whenever an enquiry is performed on the consumer, the person that has placed
the trace alert will receive the consumer's updated contact information
|
|
Consumer
Judgements
|
Provides
details of civil court judgements regarding non-payment of accounts (if
applicable)
|
|
Consumer
Default Data
|
Provides
details of defaults (blacklistings) regarding non-payment of accounts (if
applicable)
|
|
CCA
Summary Payment Profile
|
A
summary of the payments on the consumer's profile - including number of
active accounts, closed accounts, current balance, monthly Installment and
overdue amount (if applicable)
|
|
Consumer
Payment Profile
|
The
payment profile for all the consumer's accounts. For more information
regarding the codes seen, please refer to "What is payment profile
information?" and "Credit Payment History Codes"
|
|
NLR
Summary Block
|
The
summary of all the consumer's loan accounts - including number of active
accounts, closed accounts, current balance, monthly Installment and overdue
amount (if applicable)
|
|
NLR
Payment Profile
|
The
payment profile for the consumer's loan accounts. For more information
regarding the codes seen, please refer to "What is payment profile
information?" and "Credit Payment History Codes"
|
|
NLR
Enquiries
|
A
list of all loan providers that have performed enquiries on the consumer
|
|
Consumer
Enquiries
|
A
list of credit/service providers that have performed enquiries on the
consumer in the last two years
|
This enquiry provides information from Experian Credit Bureau
The enquiry consists of:
|
Consumer Header
|
-
|
Personal details of the consumer, including title, full name, ID/Passport number, date of birth, and address.
|
|
Detection Block
|
-
|
Verifies that the ID number of the consumer matches to the surname submitted on the Experian database
|
|
Addresses
|
-
|
A list of known addresses for the consumer, supplied and captured in previous credit applications
|
|
Telephone Information
|
-
|
A list of known contact numbers for the consumer, supplied and captured in previous credit applications
|
|
Employer Information
|
-
|
A list of the known employment information for the consumer, supplied and captured in previous credit applications
|
|
Credit Summary
|
-
|
A summary of the information on the consumer's credit profile - including enquiries, judgements, defaults and notices
|
|
Default Information
|
-
|
Provides details of defaults (blacklistings) regarding non-payment of accounts (if applicable)
|
|
Judgement Information
|
-
|
Provides defaults of civil court judgements regarding non-payment of accounts (if applicable)
|
|
Enquiry Information
|
-
|
A list of credit/service providers that have performed enquiries on the consumer in the last two years
|
This enquiry checks the fingerprints of the applicant against the SAPS database and returns whether the applicant has a criminal record or not. If the applicant does have a criminal record then a copy of the record will be sent to the enquirer.
If the criminal check is being performed in terms of Section 45 of the Criminal Law (Sexual Offences and Related Matters) Amendment Act, then the consent of the applicant is required.
Once the request has been generated, the applicant will need to go to a TPN fingerprinting Centre to have their fingerprints scanned and sent to SAPS for verification.
The enquiry consists of the following:
This enquiry verifies whether an applicant has received the qualifications they have supplied
This is an investigative enquiry where the educational institution is contacted and a manual verification is performed against the qualifications supplied by the applicant
The enquiry consists of:
|
Reference Number
|
- |
The reference number for the enquiry |
|
RequestKey
|
- |
Internal reference number used by TPN |
|
Qualification Name
|
- |
The name of the qualification - e.g. matric, BCom etc. |
|
Year Completed
|
- |
The year that the qualification was completed |
|
Institution
|
- |
The school/college/university etc that the qualification was completed through |
|
Certificate Number
|
- |
The number on the certificate that the institution will use to track the qualification |
|
Name on Certificate
|
- |
The name of the candidate, as it appears on the certificate |
|
Requested
|
- |
The date that the qualification check was requested |
|
Status
|
- |
Indicates the status of the qualification check - e.g. whether it is under investigation, if the qualification was awarded, is in progress, was not awarded etc. |
The Deeds on File enquiry allows you to see all the current and historic deeds that your potential tenant has registered in their name. This is a search against a copy of the deeds database that is updated monthly.
The enquiry will show the following information:
- Erf Number
- The stand number that is used by the municipality to identify the property for billing purposes.
- Unit Number
- The street address of the property.
- Town
- The suburb, town and province that the property is located in.
- Purchase Date
- The date that the property was purchased.
- Registration Date
- When the property was registered in the owner's name.
- Purchase Amount
- The amount that the property was purchased for.
- Buyer Identifier
- The ID/Passport/Registration number of the buyer of the property.
- Buyer Name
- The name of the buyer of the property.
Please note that newly registered properties may be slightly delayed in appearing on the enquiry.
The account verification is an
enquiry that will verify the banking details supplied by the applicant do in
fact belong to them.
This enquiry provides information from TPN Credit Bureau. The information displayed here is lease data on where the applicant has rented previously, how much the rent was, how the rent was paid and behaviour information such as whether they were evicted, there was damage to the property etc.
The company enquiry will show information both on the company as well as on the directors' personal profiles.
The enquiry consists of:
|
Header Information
|
- |
Information which allows the TPN member to validate the information given to them by the applicant. Registration number, legal name, business start date, entity type, entity status, sector, industry, VAT number (where applicable) and tax number are all displayed here |
|
Trading As
|
- |
A history of the trading as names that have been used by the company |
|
Credit Summary
|
- |
A summary of all the data categories recorded on the business's profile - i.e. number of accounts, defaults, directors, and payment profiles |
|
Member/Directors
|
- |
A list of all current and historic members and directors of the company |
|
Member/Director Personal Information
|
- |
A list of the current active members/directors and whether they have any accounts, defaults, payments or disputes recorded under their personal profile on TPN |
|
TPN Account
|
- |
A list of current and previous leases, levies and other credit accounts loaded on TPN's database which will include monthly Rental Payment Profile as well as defaults/rewards (where applicable) |
|
Supplier Information
|
- |
A list of suppliers who could possibly hold information on the business. This list is made up of suppliers who have either performed enquiries or else loaded data on the consumer |
|
Contact Addresses
|
- |
A list of known addresses for the company, supplied and captured in previous credit applications |
|
Contact Numbers
|
- |
A list of known contact numbers for the business, supplied and captured in previous applications |
|
Enquiry Information
|
- |
A list of which service/credit providers have made enquiries on the company in the last two years |
The Scan on File enquiry is the TransUnion business enquiry. It provides the most complete view of a company's credit record from TransUnion Credit Bureau.
The enquiry consists of:
|
First Response Segment
|
- |
Contains internal numbers used by TransUnion, as well as the business registration number and name |
|
Business Identification
|
- |
Information from TransUnion on the business, including the business start date, type, function, addresses, phone/fax numbers and VAT number (where applicable) |
|
Names History
|
- |
Information on the current business name, as well as previous registered and trading names |
|
Registration Details
|
- |
Business details as per the registrar of companies, including registration date, status, number, company type and registered addressed |
|
Principals According to the Registrar
|
- |
List of members and directors associated with the company, including their ownership/contribution percentage |
|
Principals Summary
|
- |
A list of the active members or directors, also indicating if there is adverse information on their personal profiles |
|
Principals Archive
|
- |
A list of members or directors who have resigned in the last ten years |
|
Civil Court Records
|
- |
Indicates if the business has any civil court judgements regarding non-payment of accounts |
|
Default Data
|
- |
Indicates if the business has any defaults (blacklistings) regarding non-payment of accounts |
|
General Banking Information
|
- |
Shows the latest known active bank account held by the business |
|
Enquiry History
|
- |
A list of which service/credit providers have performed enquiries on the company in the past two years |
The Subject Default enquiry shows any negative information recorded against a business on the TransUnion Database
This module should be used in conjunction with other modules to more accurately assess the risk of the applicant
This module consists of both judgements and defaults that are on the business name
The Subject Default enquiry is included in the Scan on File enquiry by default
This module provides a summary of the credit profiles of the members and directors of the business from the TransUnion database
The enquiry consists of:
| First Response Segment |
- |
Contains internal numbers used by TransUnion, as well as the business registration number and name |
| Principal Clearance |
- |
Information on the member or director's credit profile, indicating if they have any defaults, judgements or notices on their personal credit profiles. |
| Judgements |
- |
Indicates if any of the members or directors have any civil court judgements regarding non-payment of accounts |
| Defaults |
- |
Indicates if any of the members or directors have any defaults (blacklistings) regarding non-payment of accounts |
The Bank on File enquiry shows details of any previous bank code enquiries that were requested on the business. This enquiry allows a trend in terms of the bank codes to be established. The stability of bank account and any changes can be assessed by selecting this module.
If there are previous bank codes, the Bank on File enquiry will be included in the Scan on File enquiry by default
Important notice: Bank code enquiries are no longer available due to a change in legislation with regards to the sharing of personal information. This means that the bank on file inquiries will stop showing recently requested results and at some point will no longer be available.
The Deeds on File enquiry allows you to see all the current and historic deeds that your potential tenant has registered in their name. This is a search against a copy of the deeds database that is updated monthly.
The enquiry will show the following information:
- Erf Number
- The stand number that is used by the municipality to identify the property for billing purposes.
- Unit Number
- The street address of the property.
- Town
- The suburb, town and province that the property is located in.
- Purchase Date
- The date that the property was purchased.
- Registration Date
- When the property was registered in the owner's name.
- Purchase Amount
- The amount that the property was purchased for.
- Buyer Identifier
- The ID/Passport/Registration number of the buyer of the property.
- Buyer Name
- The name of the buyer of the property.
Please note that newly registered properties may be slightly delayed in appearing on the enquiry.
When a school or employer selects "resubmit" on the TPN Staff
Screening Portal, the staff member selected will receive an SMS from TPN to
give consent to enable us to resubmit their previously captured digital
fingerprints to the SAPS database for clearance.
The employer should advise their staff to expect the SMS, the SMS is
worded as follows and has a clickable link:
“TPN: Please confirm your ID for
<School/ Employer Name> by clicking here https://dea.tpn.co.za/curata/<Inique
link>”
The link is valid for 120 hours, so it is important to action as
soon as possible.
To be able to complete the process, the staff member who is being
checked needs to have a phone or device that:
· accepts SMS's
· has a working camera
· has a working internet connection
(can be via WIFI or data)
· If using a data connection, they
have data available.
NB: If the user’s phone does not have any of the items
above they are able to complete the link on a computer using the computers camera.
To complete the request the user should click the link, it will open a
page in their favourite browser.
They may receive a message to allow the browser to access your camera,
click yes to allow.
Follow the on-screen prompts to complete the verification.
Prior to declining the request,
please discuss any concerns with your employer. If the process is declined, then TPN will not resubmit your fingerprints and may result in your employer being liable for additional costs.
The TPN CIPC Score is a
score derived from a combination of four data points:
· Director/s
· Entity
Age
· Entity
Status
· Director
Maturity
These factors are shown
individually and then rolled into a single CIPC Score.
There are five CIPC Scores:
·
Excellent
·
Good
·
Average
·
Below
Average
·
Poor
What does “Directors” show?
·
Indicates the total number of active
directors currently associated with the company.
·
Logic is added into the director count
and “shelf” company directors are removed from the count. In some cases, we are
unable to remove the shelf directors as these are not clearly
shown.
What is “Entity Age”?
There
are three entity age buckets:
• Start
Up – the business has been in operation for less
than 2 years.
• Established –
the business has been in operation for between 2 and 15 years.
• Mature –
the business has been in operation for more than 15 years.
The entity age is not linked directly
to the company CIPC record creation date, but calculations are performed as to
when the company started operation (i.e.: company no longer a shelf company).
What is “Entity Status”?
Shows the current /past status of the entity.
·
Pass –
if the company is in business.
·
Fail -
if the company is no longer in business or flagged for deregistration.
·
Warning -
if the company is in business, but the status of the business has been
fluctuating between an active and inactive status.
What is “Director Maturity” ?
This flag indicates the total amount of experience
that the directors of the company have.
This
status is determined by looking at all previous and other active directorships
of each individual director.
There
is a scale of:
• Amateur
• Average
• Experienced
If you receive an error message when
performing an ID Verification that says "an error has occurred contacting
the DHA - DHA may be down" it means the systems for South African
Department of Home Affairs are down and we can't provide you with a verified
result.
This unfortunately means we are unable to assist until
the DHA resolves the issue and their systems are back online.
We
have a fail-over solution for when the DHA systems are down, to try help minimize
the inconvenience of not being able to verify your prospective client and
provide you with access to a cached record.
The cached record will display the results of a recent check (within the last 12 months) that was done on
the same consumer and was verified by the Department of Home Affairs
when they were online.
This would result in a record being
shown called “ DHA Cache Used” with the date that the cached record was
created.
There are reminders that go out
every 4 business hours until the process is either been completed or declined.
The SMS says “ TPN Reminder: Please confirm your
ID for <Person Name who created check> by clicking here
https://dea.tpn.co.za/<unique
link>.
If
you are struggling to complete the ID Biometric / Selfie check on your phone due to the
operating system, a broken camera or another issue with the phone, you can
complete the process on any computer or another mobile device.
The
link can be forwarded to a friend’s / colleagues mobile or a secondary device (eg.a
tablet/ computer).
Prior
to sending the link to another device please make sure that:
· the
device has a working camera and
· an
active connection to the internet, whether via Wi-Fi or data
· has
data available to access the link, and
· the
owner of the device is expecting the link and does not click on it.
Once
the link is on the new device, click the dea.tpn.co.za link and follow on screen
instructions.
Your
HR person, or the person who initiated the check is able to send you a copy of
the link either via email, sms or whatsapp.
Once your datafile has been uploaded onto
DataWeb the data will be analysed and the reports below will be made available.
·
Data
Report
A comprehensive data report detailing your
collection statistics associated with the data sent to TPN in the export file.
If the statistics reflected in the file look incorrect, please contact us so
that we can investigate further.
· Error Report
A list of all the active accounts which were
rejected and therefore will not be uploaded onto the TPN system. As there are
various reasons for these rejections, a full list of the rejected records with
each of the corresponding rejection reasons is listed.
· Warning Report
A list of all the active accounts which will be
uploaded to TPN, however mandatory information like postal code, name or
surname, cell number etc. are missing. As there are various reasons for these
rejections, a full list of the rejected records with each of the corresponding
rejection reasons is listed.
·
Payment Reports
o
The PDF
version shows your payment profile history
o
The excel
spreadsheet, contains multiple worksheets for payment profiles for the current
period. Based on the payment information received in the export file, your
tenants have been separated between the worksheets. This worksheet can be
distributed to your accounts department so that the status of the SMS’s
delivered to customers can be verified.
If the “Submit Criminal Check”
button does not show on a specific person this may be due to there already being
a criminal check captured or in progress on this user.
Our system stops another
transaction from creating, the first transaction would need to be completed
before this can be done.