Direct Answer
Under the National Credit Act, you are entitled to one free credit report per year from each registered credit bureau. If information is inaccurate, outdated, or relates to a prescribed debt, you can dispute it and the bureau must investigate and respond within 20 business days. Persistent errors can be escalated to the National Credit Regulator.
What the Law Says
Your Legal Foundation
National Credit Act 34 of 2005
Section 72
“A consumer is entitled, once per year, to receive a free copy of their credit profile from each registered credit bureau.”
National Credit Act 34 of 2005
Section 72(3)
“A credit bureau must, within 20 business days of receiving a challenge from a consumer, investigate the disputed information and inform the consumer of the outcome.”
National Credit Act 34 of 2005
Section 71
“Credit information relating to an adverse classification of a consumer must be removed after 1 year (default) or 2 years (judgment) from the date of fulfilment of the obligation or order.”
Common Questions
Frequently Asked Questions
How long does a judgment stay on my credit record?
A court judgment is listed for 5 years OR until the judgment debt is paid in full and you apply to have it rescinded — whichever comes first. Once paid and rescinded, the credit bureau must remove it within 20 business days. A paid judgment that was not rescinded may still appear — consult an attorney about rescission.
Can I be listed without notification?
No. Section 71(2) of the NCA requires credit providers to give a consumer at least 20 business days' notice before listing them at a credit bureau. If you were listed without notice, this is an NCA violation — report it to the National Credit Regulator.
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