- 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...
When sending a TPN Letter of Demand we include a free CPA check to ensure you are always sending the right letter...
If you don't use the TPN Letters of Demand you can use the below to determine the right letter to be sent.
Trafalgar -
Inner City
30 Joel Road
Berea
Johannesburg,
Gauteng
www.trafalgar.co.za
Get directions
Trafalgar
- Birdhaven
No 1 St Andrew Street
Birdhaven, Gauteng
www.trafalgar.co.za
Get directions
Circinus
Security Services
10 Ebony Road
Primrose, Gauteng
www.circinus.co.za
Get directions
TPN
- Rivonia - CURRENTLY UNAVAILIABLE DUE TO OFFICE MOVE
New address to updated in Mid-December 2024
Rivonia, Gauteng
mrisoftware.tpn.co.za
Get directions
Langa
Security
3A Plantation Road
Edenvale, Gauteng
www.langasecurity.co.za
Get directions
Trafalgar
- Durban
141
K E Masinga (Old Fort) Road
Durban,
KwaZulu-Natal
www.trafalgar.co.za
Get directions
Fohla
Security cc t/a FSG Forensics
7
Cedar Road
Westville,
KwaZulu-Natal
www.fsgforensics.co.za
Get directions
Trafalgar
- Port Elizabeth
2
Ascot Road
Mill
Park
Port
Elizabeth, Eastern Cape
www.trafalgar.co.za
Get directions
Trafalgar
- East London
Shop
11, The New Colonnade
Devereux
Avenue
Vincent,
Eastern Cape
www.trafalgar.co.za
Get directions
TPN has various fingerprinting center's around South Africa. Use our online map HERE
Or to find your closest location click on your city:
Johannesburg
Pretoria
Durban
East London
Gqeberha
Cape Town
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.
The TPN
Staff Screening Portal was created for Schools, to make compliance with the
Sexual Offenders Act and Child Protection Act easier and to lessen the admin burden on the school.
While this
was created with Schools in mind, it can be a useful application for all
Employers who perform criminal checks on staff periodically.
The benefits
of using this portal are:·
Resubmit fingerprints that were previously captured on the TPN system . Read more here on how the process
works.
·
Request
Criminal/ SACE checks in bulk without having to capture one per staff
member on the bureau. Read more on this
process here .
·
The
peace of mind knowing that going forwards you will be able to resubmit these
digital fingerprints for a criminal check without wasting your teachers
valuable time having to go and have their fingerprints recaptured. All the staff members
would need to do is give consent using the TPN Selfie Check sent to them via
SMS.
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.
An In Progress check would have
a status in the Criminal Check Status column of:
Criminal Check Status
|
Action
|
Capture
Fingerprints
|
User
must get their fingerprints captured at a TPN Fingerprinting centre - HERE
|
Biometric
Check Required
|
This
is a status used on the “Resubmit Criminal Checks” and requires the person
being checked to do the “Selfie Check” and give consent to use their
previously captured fingerprints. If they no longer have the link sent on
SMS, you can resend – find out more HERE
|
Waiting
for Result
|
The
check has been submitted to the SAPS database and results should be available
shortly.
|
IDV
Error
|
This
is due to the information captured not matching the Department of Home Affairs
records, Hover over the IDV Error status and see specific error, correct and resubmit.
Another error is @the call to DHA has timed out - DHA may be down.@ Click here for more info
|
Possible
Illicit
|
This
means the check results indicate that their may be a results that require
further consideration, the details of the results will be sent to your
mailbox to review.
|
No
illicit
|
This
means results have returned and nothing has shown.
|
Error
|
However
over the error to see more information, some errors may be resolved by updating
details on the person or resubmitting / submitting the check again if the option
is available.
|
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.
Each registered
TPN Letter of demand is assigned a tracking number by the South African Post
office.
You will
receive an email from TPN to confirm the tracking number for the letter on
demand within 24 – 48 hours from generating the letter.
Alternatively,
you can view the tracking number on the Payment profile data as follows:
·
Login to the
Credit Bureau
·
Click
My Data
·
Find the account/ record for the tracking number
·
Click
Letters on the left hand navigation or on Lease details click the number
next to the Letters.
·
All
the letters sent to the debtor/ tenant will show
·
Click
on the folder icon next the letter you want to track
·
The
details of the letter sent will show The tracking number will be listed
·
Click
the tracking number to go directly to the post office tracking website
https://trackingnew.postoffice.co.za/
Please note: The tracking can take up to 48 hrs to show on
the post office website.
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.
Section 41 of the Sexual Offences Act requires all school staff
(teachers, coaches, administrators, ground staff) to be checked against the
Sexual Offences Register.
The Children's Act, section 126, requires all school
staff to be checked against the National Child Protection Register.
Both of these registers are based on criminal enquiries, cases awaiting trial and convictions.
TPN's biometric criminal check provides details on all convictions and
cases awaiting trial.
And, for your convenience, TPN can resubmit previously
captured fingerprints to save you time and the hassle of visiting your local
police station or another TPN Fingerprinting station. To do this resubmit we require your Consent which we get using a Biometric ID "selfie" Check.
To resubmit your fingerprints TPN asks for
your consent by performing a biometric check using a facial
recognition software called Curata.
The process is simple:
- You will receive an SMS from TPN with
a url starting https://dea.tpn.co.za/xxxx
- Click the link
- The browser on your phone will open
and the check may ask you for access to your phones camera - select Yes
- You will be asked to give us consent to use
your previously captured fingerprints - select yes
NB: If you select "No" to the
consent question, the process will not be able to complete and you will be
required to go to one of our centers for manual fingerprint scanning.
- Follow the onscreen prompts until the process has
completed.
You
will receive an SMS that reads as follows:
“TPN:
Please confirm your ID for <School Name> by clicking here https://tpn.curata.co.za<unique link>”
This enables you to verify that
who the link is from, and the link is genuine.
You may receive multiple links is you work for more than one employer.
• Log into the bureau
• Click Credit Checks
• Click Credit Check history
• Type in the name or ID number of the person who
you are searching for
• Click “apply filter”
• A list of checks done on person will show
• Select the most recent check
• Click “Click here to view the online report”
• Click on “ID Biometrics” tab
• See Selfie Link and use the copy
button or mouse to select and copy.
• Resend to person either via email; WhatsApp or via SMS
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
- Company 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.
Additional enquires include:
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.
To be able to complete the process on your device, your device must:
· Accepts SMS’s (Connection to working cellular network)
· Have a working camera
· Have an active connection to the internet (Wi-Fi , LAN or cellular
network data)
· If using a data connection, you must have data available
The SMS link
can be copied and forwarded to another cellphone, laptop; tablet; computer or
device and used as long as it has:
· Has a working
camera
· An active connection to the internet (Wi-Fi , LAN or cellular
network data)
· If using a data connection, they have data available
So in summary, you are able to complete the process on any device but to receive the SMS you do need a cellphone number that accepts SMS's.
If this is not available ask your HR department to send the link to you via another method eg. WhatsApp or email. The device you receive the link on should have an internet connection and a working camera.
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
The ID Verification was requested by your employer, or perhaps a property manager, to help them verify your identity.
They have chosen to use a biometric check from TPN Credit Bureau to verify your identity against the Department of Home Affairs and potentially confirm consent for a further check.
The name of the person or company that made the request is included in the SMS messages you are receiving. If you are uncertain about why you need to do this check please call them about this.
The SMS reminders go out every 4 business hours until the process is either been completed or declined.
The SMS will say - “ TPN Reminder: Please confirm your
ID for <Company/Person who requested > by clicking here
https://dea.tpn.co.za/<unique
link>.
Not competing this request may have an impact on your application.
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.
Find the Credit check created for
the person using your TPN Inbox
·
Click View results
online
·
Select the ID Biometrics
tab
·
Scroll to Biometrics
Results selection
· Confirm the comment says “An SMS has been sent to the consumers cellphone number with a link which
will enable them to perform the Liveliness verification. No result can be
returned until the consumer has completed this verification.” This means the
check has not yet expired or been used.
·
Copy the link
shown on “Selfie Link” it should be something
like https://dea.tpn.co.za/xxxxxxxxx
·
Resend to user via
whatsapp or email. The check can be done on any devise with internet connection
or using a computer.
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.
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
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.
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.
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
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Personal
Details of the consumer, including full name, title, sex, date of birth,
ID/passport number, marital status, dependant's and telephone numbers
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Debt
Counselling / Debt Review
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A
flag that indicates that the applicant is under debt counselling/review (if
applicable)
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Consumer
Aka
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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
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Consumer
Addresses
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A
list of known addresses for the consumer, supplied and captured in previous
credit applications
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Telephone
History
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A
list of known contact numbers for the consumer, supplied and captured in
previous credit applications
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Consumer
Occupation / Employer
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A
list of the known employment information for the consumer, supplied and
captured in previous credit applications
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Consumer
Counters
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A
list of data categories regarding the number of listings on the consumer's
profile - e.g. number of judgements, defaults, notices, enquiries etc.
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Consumer
Trace Alerts
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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
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Consumer
Trace Alerts
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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
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