• 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"

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 - Pretoria

829 Church Street

Arcadia, Gauteng

www.trafalgar.co.za

Get directions

Trafalgar - Cape Town

Unit 12, M5 Park

Eastman Road, Maitland

Cape Town, Western Cape

 www.trafalgar.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.

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.

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.

• 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:

• Enhanced due diligence
• KYC verification
• Verified online bank statements
• Bank account verification
• Individual trace
• Employment verification
• Qualification verification
• Criminal check
• Deed search
• Pre-Assessment check

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.

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

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

• Verify the link you have received is from TPN. Our URL will show as follows:

  https://dea.tpn.co.za/curata/….

• Click the link
• This will open your phone's preferred browser

( e.g. Chrome or Safari)

 

Important: You may receive a message to allow the browser to access your camera.

Please select “Yes” or “Allow”.

• Follow the on-screen prompts to complete the verification

If you decline to give consent, then TPN will not be able to resubmit your fingerprints. Please rather raise any concerns you may have with your employer or TPN.

Declining may cause additional costs for your employer and you further inconvenience as you will need to complete the process in person at a TPN Fingerprinting Centre.

·        Once you have clicked the URL and the process has opened on your browser the Selfie Check will expire within 72 hours. So please action timeously! 

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:

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

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.

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?

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:

This enquiry provides information from TransUnion Credit Bureau.

The enquiry consists of: