Name & Surname: BONGINKOSI NDLOVU

ID Number: 9405185437086
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
Enquiry Reference: 1001909870

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

Contents

Your Credit Score................................................................................................................................................................................................................................. 3

Identification Information.................................................................................................................................................................................................................. 3
Previous Enquiries................................................................................................................................................................................................................................ 3
Contact Information............................................................................................................................................................................................................................ 4
Employer Information..........................................................................................................................................................................................................................4
Address Information............................................................................................................................................................................................................................ 4
Perception in the Market.................................................................................................................................................................................................................... 5
Distribution of Your Total Credit Exposure..................................................................................................................................................................................... 6
Distribution of Your Monthly Credit Exposure................................................................................................................................................................................6
Payment Behaviour.............................................................................................................................................................................................................................. 6
CPA Accounts........................................................................................................................................................................................................................................ 7
Account Details.....................................................................................................................................................................................................................................7
Credit Summary..................................................................................................................................................................................................................................10
About Experian South Africa............................................................................................................................................................................................................11
Free Dispute Process......................................................................................................................................................................................................................... 11
How to Log a Dispute........................................................................................................................................................................................................................11

Page 2 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

Your Credit Score

Your credit score is based on your full credit profile and is the score that credit providers use when deciding whether or not to extend credit
to you. Please remember that the score will vary across credit bureaus.

AVERAGE RISK

615

Very High Risk High Risk Average Risk Low Risk Minimum Risk
480 - 605 606 - 621 622 - 641 642 - 667 668 - 710

Identification Information
This section displays your identification and personal information.

Name & Surname ID Number Date of Birth ID Status Country

BONGINKOSI NDLOVU 9405185437086 18/05/1994 VERIFIED SOUTH AFRICA

Previous Enquiries
The list of previous enquiries shows which organisations have conducted an enquiry at Experian by viewing your credit report.

Enquiry Date Subscriber Contact Contact No.

13-03-2024 09:10 MARQUIS FINANCE THE MANAGER 0104467714
13-03-2024 09:10 ABSA BANK LIMITED THE MANAGER 0000000000
13-03-2024 09:10 NEDBANK LTD. THE MANAGER 0112944444
13-03-2024 09:10 STANDARD BANK POWERCURVE THE MANAGER TBA
13-03-2024 09:09 WESBANK 0116326000 THE MANAGER 0116326000
13-03-2024 09:09 GOMO VEHICLE SOLUTIONS (PTY) LTD THE MANAGER 0115509300
02-01-2024 13:03 WESBANK 0116326000 THE MANAGER 0116326000
02-01-2024 13:02 MARQUIS FINANCE THE MANAGER 0104467714
02-01-2024 13:01 ABSA BANK LIMITED THE MANAGER 0000000000
02-01-2024 13:01 GOMO VEHICLE SOLUTIONS (PTY) LTD THE MANAGER 0115509300
29-12-2023 16:28 STANDARD BANK POWERCURVE THE MANAGER TBA
29-12-2023 01:16 NEDBANK LTD. THE MANAGER 0112944444
08-12-2023 12:19 NEDBANK LTD. THE MANAGER 0112944444
16-11-2023 08:56 PAY JUST NOW THE MANAGER 021 013 3508

Page 3 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

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

Contact No. Type Contact No. Date Created

CELLPHONE 0813826248 30-06-2021
CELLPHONE 0632792659 21-12-2023

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

Employer Name Active Date

ELECTRICAL 13-03-2024

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

Address Type Address Postal Code Date Created

POSTAL 833 NHLENGETWA ROAD CHESTERVILLE DURBAN 4091 31-10-2021

• Pay the minimum instalment on your accounts every month

• Settle the accounts you are able to pay off first and close these accounts if you do not need them
• Keep balances on credit cards and other revolving credit low
• Try to pay off accounts that are in arrears first and keep on paying your accounts on time
• If you are having trouble meeting debt obligations, contact your creditors or see a registered debt counsellor
• Try to pay off accounts that have legal actions listed on them, such as judgments and administration orders
• Verify that the information on your credit report is accurate

Page 4 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

Perception in the Market

This section is an overview of how you are perceived in the credit market from credit providers who are likely to grant you credit.

Your score is 615. Which is

considered HIGH RISK. 24%

42%
of the population have
similar credit scores and at
least 18% have lower credit
scores. You are in the lowest
scoring 42% of the South
African population.

Population with scores between 668 - 710

Population with scores between 642 - 667

Population with scores between 622 - 641

Population with scores between 606 - 621

Population with scores between 480 - 605

Check your credit report on a regular basis to keep track of your credit obligations. By being aware of your monthly spend on repaying debt, you will be able
to make sure you do not take on more credit than you can afford.

Page 5 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

Distribution of Your Total Credit Exposure Distribution of Your Monthly Credit Exposure
The pie chart below illustrates how your credit commitments are This shows how much you spend on each type of credit facility per
allocated across various credit categories. month.

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

Page 6 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

CPA Accounts
This refers to a list of secured and unsecured credit agreements which include: detailed positive and negative account information from the
major banks, finance houses, retailers, telecommunications and insurance companies, covering the majority of credit providers in South Africa
(CPA is an abbreviation for Credit Providers Association).

Account Supplier NEDBANK CREDIT CARD Instalment R90.00

Open Date 19-12-2023 Current Balance R1,869.00

Account Type CREDIT CARD ACCOUNT Cumulative Arrears Amount R0.00

Opening Balance R2,000.00 Months in Arrears 0

Account Supplier TELKOM MOBILE Instalment R185.00

Open Date 22-06-2023 Current Balance R185.00

Account Type SERVICE RELATED WITHOUT LIMIT Cumulative Arrears Amount R0.00

Opening Balance R0.00 Months in Arrears 0

Account Supplier HOLLARD LIFE ASSURANCE Instalment R0.00

Open Date 01-06-2021 Current Balance R0.00

Account Type LONG TERM INSURANCE Cumulative Arrears Amount R0.00

Opening Balance R0.00 Months in Arrears 0

Account Details
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 Supplier NEDBANK CREDIT CARD Account Type CREDIT CARD ACCOUNT

Account No. 5898461173879071 Overdue Amount R0.00

Account Status OPEN/CURRENT Status Date -

Open Date 19-12-2023 Open Balance R2,000.00

Current Balance R1,869.00 Last Payment Date 31-01-2024

Monthly Instalment R90.00 Payment Status ---

- - - - - - - - - - - - - - - - - - - - - OK OK OK
MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB
2023 2024 2024

Account Supplier TELKOM MOBILE Account Type SERVICE RELATED WITHOUT LIMIT

Account No. 509012576 Overdue Amount R0.00

Account Status OPEN/CURRENT Status Date -

Open Date 22-06-2023 Open Balance R0.00

Current Balance R185.00 Last Payment Date 31-01-2024

Monthly Instalment R185.00 Payment Status -------?

- - - - - - - - - - - - - - - - - OK OK OK OK OK OK OK
FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN
2023 2024

Account Supplier HOLLARD LIFE ASSURANCE Account Type LONG TERM INSURANCE

Account No. 16257059 Overdue Amount R0.00

Page 7 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

Account Status CANCELLED BY CLIENT Status Date 31-10-2021

Open Date 01-06-2021 Open Balance R0.00

Current Balance R0.00 Last Payment Date 31-07-2021

Monthly Instalment R0.00 Payment Status G----

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

Page 8 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

Be consistent with your credit repayments. Try to pay more than the owed amount on your repayments and stick to it.
Doing this will increase your credit score.

Page 9 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

Credit Summary
This section provides an overview of the amount of entries on your credit report.

Previous Enquiries 14
Contact Information 2
Employer Information 1
Address Information 1
Accounts
CPA Information 3

Page 10 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
Enquiry Reference: 1001909870
Version: latest
 Private and Confidential

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, please contact the Credit Ombud on 086 166 2837 or at www.creditombud.org.za for further
assistance, their services are free to consumers. Remember to provide your dispute reference number in order for the Credit Ombud to assist
you.

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: za.consumercare@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.

Page 11 of 11
Bureau Enquiry Date: 13 MARCH 2024 17:26:13
PDF Print Date: 13 MARCH 2024
BS.Ndlovu
Enquiry Reference: 1001909870
Version: latest
finwellegal.quicklysign.com
Document Pack Id: rKd68ZFmbCHTY418e3874d8f9
Document Id: rKd68ZFmbCHTY418e3874d8f9_rz1254MNkpMQbr
Document 1 of 1
Document Name: CreditReport - 2024-03-13T172843.947.pdf

Audit Trail
2024-03-18 10:53:30 SAST+0200: Message delivered to +27813826248
2024-03-18 10:52:58 SAST+0200: Status marked as complete.
2024-03-18 10:52:53 SAST+0200: thembeka.mdletshe@finwellegal.co.za (Thembeka) completed signing document
164.160.126.106
2024-03-18 10:52:23 SAST+0200: thembeka.mdletshe@finwellegal.co.za 0762164558 (Thembeka) opened document via
authenticated session 164.160.126.106
2024-03-17 17:52:46 SAST+0200: Email has been received by thembeka.mdletshe@finwellegal.co.za mail server
168.245.102.10
2024-03-17 17:52:43 SAST+0200: Signature request sent to: thembeka.mdletshe@finwellegal.co.za (Thembeka)
2024-03-15 17:52:35 SAST+0200: Email has been received by thembeka.mdletshe@finwellegal.co.za mail server
168.245.102.10
2024-03-15 17:52:31 SAST+0200: Signature request sent to: thembeka.mdletshe@finwellegal.co.za (Thembeka)
2024-03-15 17:52:25 SAST+0200: Bonginkosi Ndlovu completed signing document 41.144.0.117
2024-03-15 17:51:07 SAST+0200: Message delivered to +27813826248
2024-03-15 17:49:52 SAST+0200: Bonginkosi Ndlovu opened document 41.144.0.117
2024-03-15 17:49:51 SAST+0200: Bonginkosi Ndlovu clicked document link 41.144.0.117
2024-03-15 17:40:40 SAST+0200: Message delivered to +27813826248
2024-03-15 17:39:52 SAST+0200: Signature request sent to: +27813826248 (Bonginkosi Ndlovu) via Whatsapp
2024-03-15 14:58:13 SAST+0200: Bonginkosi Ndlovu opened document 41.144.0.117
2024-03-15 14:58:13 SAST+0200: Bonginkosi Ndlovu clicked document link 41.144.0.117
2024-03-13 18:11:29 SAST+0200: +27813826248 (Bonginkosi Ndlovu) opened document via authenticated session
41.144.4.239
2024-03-13 17:39:31 SAST+0200: Bonginkosi Ndlovu opened document 41.144.4.239
2024-03-13 17:39:31 SAST+0200: Bonginkosi Ndlovu clicked document link 41.144.4.239
2024-03-13 17:39:26 SAST+0200: Message delivered to +27813826248
2024-03-13 17:39:15 SAST+0200: Message delivered to +27813826248
2024-03-13 17:39:09 SAST+0200: Signature request sent to: +27813826248 (Bonginkosi Ndlovu) via Whatsapp
2024-03-13 17:39:02 SAST+0200: thembeka.mdletshe@finwellegal.co.za (Thembeka Mdletshe) changed the status
to:awaiting_signatures 164.160.126.106
2024-03-13 17:36:26 SAST+0200: thembeka.mdletshe@finwellegal.co.za (Thembeka Mdletshe) uploaded document
164.160.126.106