TPN Wiki

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 login code. If you cannot remember either; you will need to contact helpdesk@tpn.co.za

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...

Acc. Type	Paid On Time	Grace Period	Paid late	Partially paid	Did not pay

RENTAL	Thanks for paying your August Rent on time.Your TPN credit record has been positively updated.Phone 0861876000 for more info.Do NOT reply to this SMS.	Your August Rent was received AFTER the due date.Your TPN Credit Report is updated as such.Phone 0861876000 for info.Do NOT reply to this SMS.	Credit Record Alert:Your August Rent was received LATE,your TPN record updated as such.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert;Only PART of your August Rent was paid,your TPN record adversely affected.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert:Your August Rent has NOT yet been paid,your TPN record adversely affected.Phone 0861876000 for more info.Do NOT reply to this SMS.

LEVY	Thanks for paying your August Levy/utility on time.Your TPN credit record has been positively updated.Phone 0861876000 for more info.Do NOT reply to this SMS.	Your August Levy/utility was received AFTER the due date.Your TPN Credit Report is updated as such.Phone 0861876000 for info.Do NOT reply to this SMS.	Credit Record Alert:Your August Levy/utility was received LATE,your TPN record updated as such.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert;Only PART of your August Levy/utility was paid,your TPN record adversely affected.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert:Your August Levy/utility has NOT yet been paid,your TPN record adversely affected.Phone 0861876000 for more info.Do NOT reply to this SMS.

DEBTOR	Thanks for paying your August Installment on time.Your TPN credit record has been positively updated.Phone 0861876000 for more info.Do NOT reply to this SMS.	Your August Installment was received AFTER the due date.Your TPN Credit Report is updated as such.Phone 0861876000 for info.Do NOT reply to this SMS.	Credit Record Alert:Your August Installment was received LATE,your TPN record updated as such.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert;Only PART of your August Installment was paid,your TPN record adversely affected.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert:Your August Installment has NOT yet been paid,your TPN record adversely affected.Phone 0861876000 for more info.Do NOT reply to this SMS.

SCHOOL FEE	Thanks for paying your September School Fee on time.Your TPN credit record has been positively updated.Phone 0861876000 for more info.Do NOT reply to this SMS.	Your September School Fee was received AFTER the due date.Your TPN Credit Report is updated as such.Phone 0861876000 for info.Do NOT reply to this SMS.	Credit Record Alert:Your September School Fee was received LATE,your TPN record updated as such.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert:Only PART of your September School Fee was paid,your TPN record adversly affected.Phone 0861876000 for more info.Do NOT reply to this SMS.	Credit Record Alert:Your September School Fee has NOT yet been paid,your TPN record adversely affected.Phone 0861876000 for more info.Do NOT reply to this SMS.

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.

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.

If you have any other questions that you would like us to answer, please email us on info@tpn.co.za or phone us on 0861 876 000.

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.

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.

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.

Our recommendation is:

ID Verification

The ID verification will indicate for you if the name and surname match the ID number before you proceed with the reset of the enquiries.
You will be alerted to the possibility of deceased or fraudulent ID documents. The system will also alert you to an input error - e.g. entering the name and surname back to front, mismatching a husband and wife's details, or entering the tenants ID number with the landlords details. (All common mistakes)

ID Biometric

The ID Biometric check is the ultimate in fraud prevention as an SMS is generated to the individual you are checking which asks them to perform a "live" selfie, this selfie then verifies using biometrics against the latest photo on file for the individual.
Ensuring the person you are checking is who they say they are.

RentCheck

The RentCheck enquiry is the ultimate credit check to perform on a tenant - it includes the TPN and TransUnion checks and includes Rental Payment Profile, Judgements, Defaults and Notices.
In order to access the RentCheck enquiry, the Consumer is required to load a minimum of 1 (One) month's Payment Profile Information onto the Database;

The Consumer 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 Consumer's access to RentCheck at any time should the Consumer fail to timeously provide such information to TPN.

If the RentCheck enquiry is not available

Contact TPN's data team on 0861 876 000 to find out how you can access more information at discounted rates.
It is then recommended to select the TPN, TransUnion, and Experian Individual Enquiries - this will show you any Rental Payment Profile as well as any judgements, defaults and/or notices that are on the applicant's credit profile.
It is recommended to select all three bureaux reports as each bureau has different client bases. TPN has found that unless all three enquiries are performed, the TPN member runs the risk of not seeing defaults listed with the other credit bureaux.

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

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 of 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 also 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 payment history 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 & notices).

this information should be used to assess the prospective tenant's payment history.

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 1^st, Grace Period can be loaded if payment is made from the 2^nd to the 7^th 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 1^st, Paid Late is loaded if payment is made from the 8^th to the 31^st 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 1^st 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

A bank code is an affordability check that will inform the TPN member on their prospective tenant's ability to afford a certain amount of rental repayments per month. This information is sent to the tenant's bank who will investigate the activity on the bank account and make a finding as to whether the tenant can afford the rent or not.

Examples of bank codes that could be returned are given below:

Code	Description	Meaning
A	Undoubted for the amount of your enquiry	A firm indication of undoubted financial standing
B	Good for the amount on the enquiry	The company or person has a good record of meeting their financial commitments, and the amount is well within the capacity of an ordinary business commitment
C	Good for the amount quoted, if strictly in the way of business	The company or person has a good record, but the amount may appear high in relation to normal transactions on the account. The code is also given where the financial position or recent balance is not held, but judging from the conduct of the account, the account holder is unlikely to commit themselves beyond their means
D	Fair trade risk for the amount of your enquiry	The financial position of the company or person is modest or unknown, but where the account is satisfactorily conducted and the firm or person is considered good for moderate business commitments
E	Figures considered too high	The amount of the enquiry is too high for the company or person's capacity
F	Financial position unknown	This code is given when there is insufficient information to assess the position of the company or person. This code is also given when the conduct of the account is such that an opinion cannot be expressed.
G	Paper occasionally dishonoured	This code is given when, on isolated occasions, cheques and other instruments (e.g. debit orders) were returned unpaid for lack of funds. For this purpose, each unpaid instrument has a life-span of one year
H	Paper frequently dishonoured	This code is given when, at regular intervals, cheques and other instruments (e.g. debit orders) were returned unpaid for lack of funds. For this purpose, each unpaid instrument has a life-span of one year

Please note that the account holder's name must be entered exactly as it appears on the statement/cheque, otherwise the bank code will return as name does not match account name

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. This wraps up into the overall Credex Score. Different components are taken into consideration (application, affordability and squat) and an overall score is provided (Basic, Silver or Gold).

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 bureaus 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://www.purq.co.za/listofinsti.html

To access PURQ qualification data:

Login to TPN
Perform a RentCheck / SmartCheck Enquiry
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 Allows you access to two different ID Verification methods:

1. Verify Identity:

This allows you to perform a check against the Department of Home Affairs using the input fields and retrieve a photo of the applicant and verify their status.

2. Verify Biometrics:

This is the most highly recommended verification of Identity as it allows you to perform a live "selfie check" on the applicant, almost always verifying that you re indeed dealing with the correct person.

In this check a SMS is sent to the applicant to ask them to confirm their identity, once the applicant clicks the link it will ask them to capture themselves using their phone camera and the check will verify against the latest document captured at the department of home affairs whether its a smart ID or passport.

Once the check is completed by the applicant the Home Affairs photo as well as the selfie photo will be returned to you.

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?

Personal Information	Consumer Information Aka Information Associated Companies Consumer Addresses Contact Numbers Consumer Occupation / Employer
Score	Account Payment History Credex Score
Summary	Credit Report Summary CPA / NLR Account Summary
Payment Profile	TPN Accounts Consumer Payment Profile NLR Payment Profile
Negative Data	Judgements Defaults Notices
Footprints	Consumer Enquiry Information

In order to access the RentCheck enquiry, the Consumer is required to load a minimum of 1 (One) month's Payment Profile Information onto the Database;

The Consumer 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 Consumer's access to RentCheck at any time should the Consumer fail to timeously provide such information to TPN.

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 enquiry consists of:

Header Information	-	Information which allows the member to validate the information given to them by the applicant. ID number, name, gender, citizenship, date of birth and 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
Credit Summary	-	This is a summary of the data categories recorded on the consumer's profile - i.e. number of accounts, defaults, companies and payment profiles
Associated Companies	-	A list of current and historic companies of which the consumer is/was a member or director
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)
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
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
Enquiry Information	-	A list of which service/credit providers have made enquiries on the consumer in the last two years

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, dependants 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 in the event that 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 of 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

A code supplied by the applicant's bank based on the monthly rental involved. The code will provide you with an indication whether the applicant can afford the monthly rental they are applying for

Codes are delivered 1 - 5 working days after the request

For a list of possible codes please see What is a bank code?

Please note that the information must be entered exactly as it appears on the applicant's bank statement, otherwise the code will return as account name does not match

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. In any other situation, the consent of the applicant is not 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:

Reference	-	The reference number given to the specific enquiry
Identifier	-	The ID/Passport number of the applicant
Full Name	-	The full name of the applicant
Date of Birth	-	The date of birth of the applicant
Requested	-	The date that the report was requested
Status	-	The status of the enquiry - will show whether the applicant must capture finger prints, if they have been captured, or if there is or is not illicit activity
Comments	-	Will give more information on the enquiry, if applicable

StaffSure – a centralised, comprehensive database of an applicants’ employment history, including name of company/organisation, position held, period of employment, HR contact details and reason for leaving.

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 Codes 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

A code supplied by the applicant's bank based on the monthly rental involved. The code will provide you with an indication whether the applicant can afford the monthly rental they are applying for

Codes are delivered 1 - 5 working days after the request

For a list of possible codes please see What is a bank code?

Please note that the information must be entered exactly as it appears on the applicant's bank statement, otherwise the code will return as account name does not match

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: