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...
Any enquiries that require investigation (eg. Qualification & Criminal Checks) are reported in the Mailbox.
-
Log onto TPN.
-
Select Credit Checks from the blue ribbon at the top pf the screen.
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Select View Mailbox under the Other heading on the left hand menu.
-
The mailbox consists of previously requested Qualification and Criminal Check results.
- Qualification and Criminal Checks are investigation enquiries. When the enquiry results are ready, the status changes to complete and you can view the results. Click View to see results.
-
Only 24 hours after the results have been viewed can you delete this report from your Mailbox. Click the Delete button next to the appropriate report.
A history of all enquiries you have performed are stored under Credit check history.
-
Log onto TPN.
-
Select Credit Checks from the blue ribbon on the top of the screen.
-
Select Credit Check History from the Other menu item on the left hand menu.
-
All enquiries done are automatically saved under Credit check history.
-
You can search by inserting either the date of the enquiry, the ID number, or the consumer / company name.
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Click on the name which the enquiry was performed on to view previous enquiry.
-
If you would like to see additional enquiries on the individual, click the Update this credit report button.
The Individual Trace allows you to request
information using only an ID number / Passport number, Surname and date of
birth or Telephone number.
The Individual Trace will report contact
information (address, telephone number and employment information) from TPN and
TransUnion.
The information is classified by most recent: 3
months, 12 months or older than 12 months.
- Log onto TPN
on www.tpn.co.za.
- Select Credit
Checks from the blue ribbon at the top of the screen.
- Select "Trace
Consumer by" on left hand navigation
- The system
allows you to choose an enquiry either by:
Ø ID/
Passport number
Ø Surname
and date of birth
Ø Telephone
number
- Select either
"approximate match" or "exact match" from the drop
down menu.
- Enter the
information required and enquiry reason
- Click "Next
>>" to view the result
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
This section allows you to list all your tenants and use the collection services to encourage full and timeous rent payment.
The workflow is as follows:
-
Load Tenants;
-
Welcome Letter;
-
Rental Payment Profile;
-
Letter of Demand, and finally
-
Blacklist the tenant
The Welcome Letter informs your tenant that you are a member of TPN Credit Bureau and their monthly payment behaviour will be recorded on the credit bureau, should they pay the rental on time and in full each month this will build a positive credit profile.
-
Log onto TPN.
-
Select My data from the blue ribbon at the top of the screen.
-
Use the drop-down boxes to filter the type of records that can be searched. There are three options:
-
Status: This is used to differentiate between Active (tenant is still in the property) and Inactive (tenant is no longer in the property) accounts. You can also choose to search through all records.
-
Type: This is used to choose the type of records you want to search through - e.g. leasess, levies, debtors etc.
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Include This is used to choose various conditions affecting the records, e.g. accounts requiring blacklisting, requiring letters of demands etc.
-
If you are unsure about the record's status, it is best to set Status, Type and Include to All
-
Search for tenant by inserting either the address (or part thereof), or the tenant’s name / ID number (or part thereof), or the reference number.
Troubleshooting for searching:
Do not enter all 3 search fields, only search on 1 option: address or tenant or reference.
-
Click: Apply Filter to search for your lease.
-
Select your lease by clicking the Reference number to the left of the tenants name.
-
You are now on the Lease Summary page.
-
To send a Welcome Letter to the tenant click on Letters under the Listings menu on the left menu.
-
Click on Click here to send a new letter
-
Select the Welcome Letter by clicking the Send button.
-
Finally, select the delivery options and click the Send Letter or the Download Letter buttons.
Rental Payment updater allows you to indicate tenant’s payment rating every month. This rating updates their TPN credit profile and SMSes the tenant to inform them how their credit profile has been updated. This process encourages full and timeous payment from the tenant.
The Rental Payment Profile update process opens up on the 1st of each month. We recommend starting the process from the 3rd of each month, once the rental payments start reflecting in your bank account.
-
Log onto TPN.
-
Select My Data from the blue ribbon at the top of the screen.
-
Click List Records on the left menu under Payment Profiles
-
The current month and previous 5 months paymentsare displayed
-
Change the filter or search for specific leases. By default, all your open accounts are listed.
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For each tenant select the appropriate rating: Paid on Time, Grace Period Paid Late, Partial Payment, Did Not Pay.
-
Click Save.
-
All your tenants will be sent the appropriate SMS.
The Rental Payment Updater is available throughout the month and as your tenants continue to pay, you should continue to update their Rental Payment Profile.
Example:
If you update your tenant with Did Not Pay on the 3rd of the month, the tenant will receive the “did not pay” SMS.
If the tenant then pays Part of the Rent, you should update his Rental Payment Profile with Partial Payment – the second SMS will be sent to your tenant. If the tenant makes a second payment to settle his account during the month, you should update his Rental Payment Profile with Late Payer – a third SMS will be sent to the tenant noting his Full but Late Payment
TPN will remind you to start updating your Updating of the Payment Profiles by emailing you a reminder on the 3rd or 4th of the month. The email will include a link to your Update Payment Profile page on the TPN Website.
The Rental Blacklisting is available to list your tenant on either TPN or TPN and TransUnion Credit Bureaux.
There are certain requirements before loading a blacklisting:
-
You must send the defaulting tenant a written letter of demand that specifically states your intention to blacklist on the bureaux. (the TPN letter of demand is sufficient for this purpose)
-
The tenant must be given 20 business days to rectify the breach - regardless of whether a 20 business day or 7 day letter of demand was sent.
-
The tenant must be in default for three consecutive months.
The workflow is as follows:
-
Log onto TPN.
-
Select My Data from the blue ribbon at the top of the screen.
-
Search for a tenant by inserting either the address (or part thereof), the tenant’s name / ID number (or part thereof), or the reference number. Click the Apply Filter button.
-
Select the tenant by clicking on the Reference Number to the left of their name.
-
Select Blacklistings from the left hand side menu, underneath Listings.
-
Click Add a new blacklist record for this tenant.
-
Enter the default information:
-
Default Date: This is the date payment was due.
-
Rating: The rating for the default. Generally, we recommend selecting on underneath the heading TPN and TransUnion (optional) listing as this will have a greater effect on the tenant's credit record.
-
Amount Due: How much the tenant is owing.
-
Reason: The reason for the blacklisting - e.g. "Non-payment of rental for three months."
-
Update the Associated payments of the tenant for the last 6 months.
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.
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.
The account verification is an
enquiry that will verify the banking details supplied by the applicant do in
fact belong to them.
The TPN CIPC Score is a score derived from a combination of
four data points:
·
Directors
·
Entity Age
·
Entity Status
·
Director Maturity
These factors are shown individually and then rolled into a single
CIPC Score.
There are five CIPC Scores:
·
Excellent
·
Good
·
Average
·
Below Average
·
Risky
What does “Directors” show?
•
Indicates
the total number of active directors currently associated with the company.
•
Logic
is added into the director count and “shelf” company directors are removed from
the count. In some cases, we are unable to remove the shelf directors as these
are not clearly shown.
What is “Entity Age”?
•
There
are three entity age buckets:
•
Start Up –
the business has been in operation for less than 2 years.
•
Established –
the business has been in operation for between 2 and 15 years.
•
Mature – the
business has been in operation for more than 15 years.
•
The
entity age is not linked directly to the company CIPC record creation date, but
calculations are performed as to when the company started operation (i.e.:
company no longer a shelf company).
What
is “Entity Status”?
•
Shows the current /past status of the entity.
•
Pass – if the
company is in business.
•
Fail - if the
company is no longer in business or flagged for deregistration.
•
Warning -
if the company is in business, but the status of the business has been
fluctuating between an active and inactive status.
What is “Director Maturity” ?
•
This flag indicates the total amount of
experience that the directors of the company have.
•
This status is determined by looking at all
previous and other active directorships of each individual director.
•
There is a scale of:
•
Amateur
•
Average
•
Experienced