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Can I perform a credit check on my prospective debtor?

Yes, TPN recommends that all businesses perform a credit report on all adults over the age of 18 entering into a contract.

In terms of the National Credit Act Regulations 18 (4) (e) and (5) you must first obtain the consent of each applicant before you access their credit report. TPN has drafted the consent clause for your use.

If the applicant refuses to provide consent for you to perform his / her credit check – you are then not entitled to access the credit report. It is recommended that you decline the application.

Last Updated: 2025/05/14

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