Experian

Credit Report
*All information reflected on this report will reflect on Credit Providers reports upon performing an enquiry on you.
Please note that this report must not be used for credit consideration. This enquiry does not have a footprint on the Bureau.

Name and Surname

NDALENI KHUMALO
ID Number
8802296055081
Bureau Enquiry Date
21 OCTOBER 2023 23:07:16
Enquiry Reference
900722434

Privacy Statement: Kindly note that this document contains personal information (as regulated by the Protection of Personal Information Act 4
of 2013) and consumer credit information (as regulated by the National Credit Act 34 of 2005) and should be dealt with according to privacy
legislation in South Africa.
Specifically, it should only be used for the purpose for which it was provided, it should not be disclosed to any unauthorized third party and should
be dealt with confidentially and should be discarded and expunged once it has been used. Kindly report any unlawful use hereof to
za.info@experian.com
 Private and Confidential

Index

Credit Score 3
Payment behaviour 3
Monthly Credit Exposure 4
Identity Information 4
Contact Information 4
Address Information 4
Employment Information 4
Accounts 5
Judgments 7
Debt Restructuring 7
About Experian South Africa 9
Free Dispute Process 9
How to Log a Dispute 9

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Credit Score
Your credit score is based on your full credit profile and was developed as a guide for you to track your credit risk status. There is no uniformed
credit score in South Africa. Service providers to credit providers (including credit bureaus) develop score models for their clients including credit
providers, depending on the client’s particular risk profiling criteria. Your score at credit providers and the different credit bureaus will therefore
be different. This score will therefore not necessarily be the score that a credit provider will look at when deciding whether or not to extend credit
to you as the credit provider may have developed its own score. Please also remember that credit scores will vary across the different credit
bureaus.

YOUR CREDIT SCORE IS

617
TM65-ID Number linked to a Debt Review application or grant

Payment behaviour
This graph is a visual representation of your accounts and repayment behaviour over the past 24 months.

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Monthly Credit Exposure

This shows how much you spend on each type of credit facility per month.

Identity Information
This section displays your identification and personal information.

Name Surname Identity Number

NDALENI KHUMALO 8802296055081
VERIFIED

Contact Information
This section displays your current and previous contact numbers.

Contact Number Contact Type Date Created

0824528780 CELL 31-07-2020

0219370299 WORK 28-02-2022
0119745888 WORK 31-01-2019
0742650814 CELL 31-01-2019
0734787473 CELL 31-10-2020

Address Information
This section shows all the addresses currently or were previously linked to your profile that are.

Address Postal Code Type

303 NEETHLING STREET KAKAMAS 8870 RESIDENTIAL
1660 MANDELA PARK EDENVILLE FREE 9535 RESIDENTIAL
STATE
5 KROON AVENUE KRIEL 2271 RESIDENTIAL
1660 MANDELA ROAD EDENVILLE FREE 9535 POSTAL
STATE
3409 IVORY PARK HALFWAY HOUSE 1685 RESIDENTIAL
MIDRAND

Employment Information
This section displays information on your current and previous employment status.

Employer Name Occupation Active Date

APPLIED WELDING TECHNOLOGY 30-09-2023

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APPLIED WELDING TECHNICAL 30-09-2023

APPLIED WELDING TECHNOLOGY LABOURERS 30-09-2023
APPLIED WELDING TECHNOLOGIES 12-12-2021
APPLIED WELDING TECHNOLOGY ASSISTANT WELDER 07-03-2018

Accounts
This section contains further information on your existing and past credit accounts, it shows how you have managed these account
repayments each month as well as the current status of the account.

P PAID-UP OK PAYMENT RECEIVED - NO DATA 120+ 90 60 30 ACCOUNT DAYS IN ARREARS

Account No. 36337672 No Joint Loan Participants -

Account Open Date 24-02-2022 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 0.00
Account Type SHORT TERM INSURANCE Overdue Balance R 0.00
Branch Code - Ownership Type OTHER
Credit Provider MIWAY Payment History 0000000000000000000?
Supplier ID 342 Payment History Status -------------------?
Current Balance R 99.00 Payment Type OTHER
Date of Last Update 30-09-2023 Deferred Payment Date
Monthly Instalment R 99.00 Repayment Frequency MONTHLY
Last Payment Date 30-09-2023 Account Status OPEN/CURRENT
Loan Reason Code - Status Date
Months in Arrears 0 Sub Account No. 8276
Third Party Name -

- - - - - OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP 2023

Account No. 75017013669 No Joint Loan Participants 0

Account Open Date 04-02-2014 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 20,000.00
Account Type CREDIT CARD ACCOUNT Overdue Balance R 24,108.00
Branch Code - Ownership Type OTHER
Credit Provider AFRICAN BANK - CREDIT CARD Payment History 999999999999999999999999
Supplier ID 6341 Payment History Status ------------------------
Current Balance R 24,108.00 Payment Type OTHER
Date of Last Update 30-09-2023 Deferred Payment Date
Monthly Instalment R 1,000.00 Repayment Frequency MONTHLY
Last Payment Date 29-09-2023 Account Status OPEN/CURRENT
Loan Reason Code OTHER Status Date
Months in Arrears 25 Sub Account No. -
Third Party Name -

120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+
OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP 2023

Account No. 778588259 No Joint Loan Participants 0

Account Open Date 01-08-2021 No. of Instalments (Terms) -
Account Sold to Third Party - Opening Balance R 0.00
Account Type SHORT TERM INSURANCE Overdue Balance R 0.00
Branch Code - Ownership Type OTHER
Credit Provider TELESURE INVESTMENTS Payment History 000000000000000000000000

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Supplier ID 192 Payment History Status ------------------------

Current Balance R 943.00 Payment Type OTHER
Date of Last Update 30-09-2023 Deferred Payment Date
Monthly Instalment R 943.00 Repayment Frequency MONTHLY
Last Payment Date 31-07-2023 Account Status OPEN/CURRENT
Loan Reason Code - Status Date
Months in Arrears 0 Sub Account No. -
Third Party Name -

OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP 2023

Account No. 85247290628 No Joint Loan Participants 0

Account Open Date 09-05-2016 No. of Instalments (Terms) 82
Account Sold to Third Party - Opening Balance R 26,140.00
Account Type PERSONAL CASH LOANS Overdue Balance R 11,186.00
Branch Code CDN Ownership Type OTHER
Credit Provider DIRECT AXIS LOANS Payment History 999999999999999999999999
Supplier ID 78 Payment History Status ------------------------
Current Balance R 11,186.00 Payment Type OTHER
Date of Last Update 30-09-2023 Deferred Payment Date
Monthly Instalment R 325.00 Repayment Frequency MONTHLY
Last Payment Date 11-09-2023 Account Status OPEN/CURRENT
Loan Reason Code CRISIS Status Date
Months in Arrears 9 Sub Account No. -
Third Party Name -

120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+
OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP 2023

Account No. 36337672 No Joint Loan Participants -

Account Open Date 31-03-2020 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 0.00
Account Type SHORT TERM INSURANCE Overdue Balance R 0.00
Branch Code - Ownership Type OTHER
Credit Provider MIWAY Payment History 0000000000000000000000?
Supplier ID 342 Payment History Status ----------------------?
Current Balance R 744.00 Payment Type OTHER
Date of Last Update 31-01-2022 Deferred Payment Date
Monthly Instalment R 744.00 Repayment Frequency MONTHLY
Last Payment Date 25-01-2022 Account Status OPEN/CURRENT
Loan Reason Code - Status Date
Months in Arrears 0 Sub Account No. 3194
Third Party Name -

- - OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2021 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2022

Account No. 4901360280773000 No Joint Loan Participants 0

Account Open Date 30-05-2015 No. of Instalments (Terms) 0
Account Sold to Third Party - Opening Balance R 0.00
Account Type CREDIT CARD ACCOUNT Overdue Balance R 0.00
Branch Code - Ownership Type OTHER

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Credit Provider FNB CREDIT CARD Payment History 0???????????????????????

Supplier ID 209 Payment History Status C???????????????????????
Current Balance R 0.00 Payment Type OTHER
Date of Last Update 22-02-2021 Deferred Payment Date
Monthly Instalment R 0.00 Repayment Frequency MONTHLY
Last Payment Date 17-02-2021 Account Status ACCOUNT CLOSED
Loan Reason Code - Status Date 17-02-2021
Months in Arrears 0 Sub Account No. -
Third Party Name -

- - - - - - - - - - - - - - - - - - - - - - - OK
MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2020 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2021 FEB 2021

Account No. 10687318002 No Joint Loan Participants 0

Account Open Date 19-03-2015 No. of Instalments (Terms) 48
Account Sold to Third Party - Opening Balance R 65,000.00
Account Type TERM LOAN DIRECT Overdue Balance R 73,551.00
COLLECTION
Branch Code - Ownership Type OTHER
Credit Provider AFRICAN BANK LIMITED Payment History 999999999999999999999999
Supplier ID 6342 Payment History Status ------------------------
Current Balance R 73,551.00 Deferred Payment Date
Date of Last Update 30-09-2023 Payment Type OTHER
Monthly Instalment R 2,989.00 Repayment Frequency -
Last Payment Date 29-09-2023 Account Status OPEN/CURRENT
Loan Reason Code OTHER Status Date
Months in Arrears 25 Sub Account No. -
Third Party Name -

120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+ 120+
OCT NOV DEC JAN 2022 FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN 2023 FEB MAR APR MAY JUN JUL AUG SEP 2023

Judgments
This section indicates any judgment taken against you. If you do not repay your debt or fail to respond to reminder letters, a credit provider can
apply for a judgment against you. The judgment is an order from a court of law (Magistrate or High court) which compels you to make the
outstanding payments and grants the creditor the right to take action against you in order to collect the outstanding debt.

Date Issued Attorney Reason

17-10-2022 KRUGER & VAN ZYL INCORPORATED SERVICES RENDERED
Branch Name - Contact Person -
Tel No. - Case No. 862/2022
Court Type MAGISTRATE COURT Court Name UPINGTON M
Type JUDGEMENT BY DEFAULT Amount 5115
Plaintiff DR. JABRA VAN WYK &
VENNOTE INGELYF

Debt Restructuring
This section indicates whether you have applied for or are currently subject to debt restructuring via a registered debt counsellor.

Registration No. Contact Person Contact No.

NCRDC2484 SAGER BENAY 0212018529
Application Date 29-06-2016 Status Description CONSENT ORDER FOR
STATUTORY DEBT
Status Date 18-11-2016
RESTRUCTURING.

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About Experian South Africa

Experian South Africa (Pty) Ltd is a registered credit bureau with the National Credit Regulator (NCR) in terms of the National Credit Act
(NCA), NCR No: NCRCB16.

Since the acquisition of Compuscan in 2019, Experian now holds two databases of consumer information; this information is used by financial
services providers when performing a credit assessment and in some instances a score enquiry on you. We receive consumer data from
financial services providers when you make an application or update your details with the service provider. We also receive payment
information that reflects your payment behaviour, such as if you’ve made payments on time, have skipped payments or closed an account.

You can access your personal credit reports through either the My Credit Check or My Credit Expert portals.

• My Credit Check
o The My Credit Check portal, available at www.mycreditcheck.co.za, references data from the Experian Sigma database, which is the
historical Compuscan bureau database.
o Your My Credit Check credit report and credit score are generated from the Experian Sigma database.

• My Credit Expert
o The My Credit Expert portal, available at www.mycreditexpert.co.za, references data from the Experian database.
o Your My Credit Expert credit report and credit score are generated from the Experian database.

Note: Your credit score based on the Experian Sigma Database may be different to the one based on the Experian Database because the
formulas and variables used to create the scores differ. Currently, these two databases and the scoring models are kept separate.

Free Dispute Process

If any of the information on your credit report is incorrect, outdated or unfair, you may log a dispute with Experian following the process below.
When you contact our call centre, you will be requested to submit a copy of your ID and proof of address (no older than 3 months) to verify
your identity and in support of your dispute. Supporting documentation may also be required. Once all documentation is received, you will be
supplied with an Experian reference number.

Allow 20 business days for Experian to resolve your dispute or query. During this time, Experian will contact the supplier of the disputed data
for further information and evidence relating to the data. The information being disputed will be masked from display during the 20-business
day investigation period and a notice to this effect is displayed on the credit report during this period to notify the reader that there is a dispute
under way and that all the information is not reflected on the credit report. If, at the end of this period, Experian does not receive credible
evidence from the supplier to support the data, the dispute will be resolved in your favour.

If you are dissatisfied with the outcome, you have the right to refer the matter as follows:
National Credit Regulator – 0860 627 627
Credit Ombudsman who can assist where their member is the data supplier – 0861 662837
Banking Ombudsman for disputes related to banking products – 0860 800 900

How to Log a Dispute

• Dispute your ‘My Credit Check’ credit report

To challenge information on your credit report generated from the Experian Sigma database, please contact Consumer Care:

o Email: eza.consumer@experian.com
o Phone: 0861 51 41 31

• Dispute your ‘My Credit Expert’ credit report

To challenge information on your credit report generated from the Experian database, please contact Consumer Care:

o Email: eza.consumer@experian.com
o Phone: 0861 10 56 65

Remember to include a copy of your ID and proof of address (no older than 3 months) when logging a dispute.

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Enquiry Reference: 900722434
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