Service Terms of Use
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Notice: Your use of any products or services on this web site, through our call centre and any other designed methods or channels, constitutes acceptance of the Terms of Use.

Acceptance of the terms

Please read the following information carefully before using this web site. By accessing or using the web sites, you acknowledge that you have read, understood, and agree to the TransUnion General Terms of Use and the Service Terms of Use (collectively the “Terms of Use”). If you do not agree with the Terms of Use, do not use this web site. We reserve the right, in our sole discretion, to modify or update these Terms of Use at any time. Please check the Terms of Use each time you visit our web site for the most current information.

These Terms of Use apply to the transunion.co.za and mytransunion.co.za web sites (collectively “TransUnion Site”). If you decide to order any consumer information, product or services (collectively “Services”) from TransUnion, such order or purchase will additionally be governed by the Service Terms of Use.  If the General Terms of Use is not consistent with the specific terms that apply to the TransUnion Services offered, then the specific Service Terms of Use, will apply to these Services. In addition these Service Terms of Use will apply to any Services obtained through any other designated method, including but not limited to the TransUnion Call Centre and USSD channel (“Channels”).

Security, Encryption and Identity Verification

TransUnion recognizes the confidential nature of the information contained in your credit report as well as the personal information that may be submitted by you through use of the TransUnion Site and other Channels, and will endeavor to safeguard the privacy of information you provide to us. Our Privacy Policy can be accessed through this link.

To ensure that your credit information remains secure and confidential, TransUnion uses secure protocols and programs that encrypt the data you provide, so that if intercepted by a third party, it cannot be read.

It is your responsibility to ensure that the device through which you access the TransUnion Services and store information resulting from these Services, is secure and supports the TransUnion defined security programs and protocols.

TransUnion has implemented an Identity Verification (“IV”) system in order to protect your security and privacy. IV seeks to ensure that a customer can only register and access their own personal credit profile. IV may require that you provide answers to a set of personal questions as well as provide other inputs in order to verify your identity. If you cannot provide the correct information, the system will not allow you to view your credit report or access any of the Services. This is to safeguard your information. In such a case you will be required to submit the required proof of identity documentation to our TransUnion Call Centre.

Disclaimer

TransUnion is not a credit repair organization, or similarly regulated organization under other applicable law, and does not provide credit repair advice. We do not claim that we are able to "clean up" or "improve" your credit record, credit history or credit rating. The information provided to you through any of TransUnion’s Services is for education purposes only.

Term, Termination and Modification

This Agreement will take effect at the time you click "I accept and continue" and shall terminate (a) when the member cancels his/her membership by contacting TransUnion via the TransUnion Site or the TransUnion Call Centre or (b) upon termination of your membership or (c) if TransUnion discontinues providing any membership, subject to your right to receive membership benefits that you have paid for, or to obtain a refund of a portion of your payment; or (d) for any reason at any time at TransUnion’s sole discretion. It is important to note that even if a customer does not have an active Service, they are still considered a member.

The Services shall not be used in a manner that defrauds or otherwise abuses the credit reporting or credit scoring systems. TransUnion has the right to suspend or terminate your use of any Services or access to the TransUnion Site or Channels, if we, in our sole discretion, determine that through your use of the Services, you have abused the credit reporting, credit scoring or any systems relating to the Services we provide. By accepting the Terms of Use, you agree that TransUnion will not be liable to you – or any third party - if TransUnion suspends or terminates your access for this reason.

TransUnion may from time to time change these Terms of Use or any feature of the Services, and/or the TransUnion Site and Channels - including eliminating or discontinuing any content or feature of the TransUnion Site or Channels, restricting the hours of availability, or limiting the amount of use permitted - by posting notice before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the TransUnion Site and/or Channels after such notification, you agree to be bound by all of the changes. You are expected to review the Site periodically to ensure familiarity with any posted notices of modification.

Registration and Verification

If you decide to register on our Site or Channels, to access any Services, you may be required to provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to immediately notify TransUnion of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these Terms of Use and shall constitute grounds for immediate termination of your TransUnion account and your right to use the TransUnion Site. Online access to consumer credit report information is subject to verification of the identity of the user using our IV system. We reserve the right, at our sole discretion, to suspend or cancel any accounts that we believe are, or were involved in fraudulent activities.

You hereby agree that all orders and any other communications which purport to originate from you, or a person who had authority to act on your behalf in respect of such order or communication, or an information system programmed by or on your behalf to operate automatically (collectively "the Originator") and which are sent to TransUnion electronically and which may (as a result of interception, equipment malfunction, the distortion of communication links or any other reason whatsoever) be different from the instructions actually sent or given, or may not have been given by you at all, shall be deemed to have been given by the Originator in the form actually received by TransUnion and you will be bound by such communication with no liability of whatever nature attaching to TransUnion in regard thereto.

You waive any rights you may have or obtain against TransUnion arising directly or indirectly from any loss or damage of whatsoever nature which you may suffer as a result of the fact that TransUnion acts on your orders or communications, or orders communications that purport to emanate from you and you indemnify TransUnion against all and any claims, liabilities, losses, costs, fines, damages and expenses, arising as a result of the fact that we acted on your instructions/orders or instructions/orders which purport to emanate from you.

Vouchers

If you have received a voucher to access any Services, such voucher entitles you to receive the designated Services for the specified period at no cost to you and pursuant to the terms applicable to the voucher. The Services will not automatically be renewed at the end of the subscription period and you will not automatically be charged for any renewal of the Services. If you wish to continue the Services after the end of the subscription period, you will need to purchase the Services at the then-market rate.

Memberships and Subscriptions

When you purchase any fixed term TransUnion Service, your Service will continue for the given fixed period, where after it may continue on a month to month basis.  Upon the expiration of the fixed period, you may opt to cancel it at any time by providing TransUnion with 30 days’ written notice.

Calculators and Educational Tools

If the Services selected by you include the Educational Tools, you may have access to Calculators, Simulators, Analysis Tools, Reports and Statistics (the “Educational Tools”) for educational purposes, which may (for example) allow you to analyze your debt, view your debt breakdown and see how you compare to the rest of the TransUnion population.

These Educational Tools provide estimates and are intended for your personal and educational use only. The tools are not intended to provide financial advice or any assurance of approval for credit.  TransUnion and its subsidiaries/affiliates make no representations or warranties, nor provide any guarantees, with regards to the use if these tools.

In order to provide some of the Educational Tools to you, your personal information or data may be recorded or stored in the Educational Tools. The information that you enter into the Educational Tools does not impact your credit score(s) and will not be used for any purpose other than supplying the Educational Tools and Services to you.

Accuracy of Scores, Benchmarking and use of Credit Tools

When accessing the Services, your personal credit profile may be compared or benchmarked against industry and/or other averages.  These scores and benchmarks are calculated based only on information that is available to TransUnion or which is provided by you and TransUnion can therefor not warrant the accuracy of the information. Should any information on your credit report be incorrect, you may dispute the information by contacting TransUnion’s Call Centre.

TransUnion does not approve or decline you for credit.  All credit assessments are done by the credit provider based on the requirements set out in the National Credit Act, their internal risk criteria as well as the information supplied by you and/or other information available to them.  Any credit score or debt rating provided by TransUnion is therefor only an indicator and does not mean that you will automatically be approved or declined for credit.

Confirmation of orders and conclusion of the transaction

By placing an order for the Services, you agree that TransUnion may deliver the information you ordered telephonically, by email, facsimile or SMS, using the contact information you provided in the application form. You hereby agree that TransUnion may before or after delivery send you electronic communications relating to your order and/or the Services offered via the TransUnion Site or Channels, from time to time.

As part of you registering and ordering Services through the TransUnion Site or Channels you will be prompted to subscribe to TransUnion’s marketing communications. These communications are designed to provide educational content as well as notifications and offers related to TransUnion’s services. By agreeing to these communications you give us permission to provide this communication to you on an ongoing basis. You may opt-out of these communications at any time using the “unsubscribe” links provided in the communication or by emailing [email protected].

TransUnion Mobile

The Services may include features and services that are available to you, and delivered by us, through your mobile phone. These features may include, without limitation, the ability to upload service content to your mobile phone, receive service messages on your mobile phone, and/or download applications to your mobile phone (collectively, "TransUnion Mobile"). Standard messaging, data and other fees may be charged by your carrier to utilize TransUnion Mobile. Fees and charges will appear on your mobile bill or be deducted from your pre-paid balance. Your carrier may prohibit or restrict certain features of TransUnion and certain features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.

If you access the Services through a mobile device or download a TransUnion application to your mobile device, you hereby agree that TransUnion Mobile may send communications to your mobile device. You also agree that, we may collect information related to your use of TransUnion and its Services. If you have registered for TransUnion Mobile, you agree to notify TransUnion of any changes to your mobile number and update your account to reflect any such change. You understand that if you change your mobile number or email address and you have signed up to receive alerts or other information via text or email, that you will not receive such information unless and until you update your mobile number or email address in your account settings. TransUnion has no control over the mobile carrier network and cannot guarantee that you will receive all alerts. We recommend that you sign in to your online account at least once per month to ensure that you receive all alerts.

Use of voice recordings, voice files and voice prints

When you register to use the Services, you may have the option to enroll your voice to use as your password to access the Services in future. These voice recordings, voice files and voice prints will be owned and stored by our third-party service provider (the “TPS”) and form part of their data assets and intellectual property. These voice recordings, voice files and voice prints will be used only in respect of TransUnion Services as a means to verify your identity in an effort to ensure the detection and prevention of identify fraud.

Should you elect to enroll your voice as part of the registration process, you consent to:

• the collection, processing and storing of your voice files, voice prints and identity information by TransUnion’s TPS;
• access by TransUnion to the TPS database of voice files and/or voice prints to authenticate your identity each time you wish to access the Services;
• TransUnion periodically requesting updated information from you to ensure the maintenance of the correctness of your information; and
• TransUnion retaining the information for as long as may be necessary for us to provide our authentication and verification services to you.

You may in the future have the option to consent to your voice print being used by other commercial organizations, who are clients of our TPS, to verify your identity when interacting with those commercial organizations.

Application Process for Services (excluding the USSD service)

TransUnion may allow you to apply for the Services (i) by telephone, (ii) on the TransUnion Site, or (iii) by any other Channel or method that TransUnion expressly permits. Not all Services will be available on any of the given methods. In order to apply and receive one or more Services, you must provide us with the full and accurate personal information that we require and for which personal information you are required to keep updated.

By using the Services, you agree to be bound to these Terms of Use. On receipt of your application form, TransUnion will takes such steps, as it deems necessary, to evaluate your application and to verify whether you have provided TransUnion with complete and accurate information about yourself, where applicable your banking information for billing and payment purposes, and that insofar as you are requesting TransUnion to provide you with personal and/or business credit profiles, the information contained in the application form pertains to you personally.

The application process will not be completed before you have been given the opportunity to review the entire transaction and correct any mistakes, or to withdraw from the transaction completely. By clicking on the "I accept and agree" button, or similar acceptance act on other methods or Channels, you are deemed to have submitted an offer to subscribe to the Services, and you will not be able to cancel the order thereafter unless TransUnion expressly agrees thereto. Given the nature of the Services, you understand that once you receive the information/data requested in your order, you will have no right to cancel the order or attempt to rely on a "cooling-off" period as the Services will already have been rendered by TransUnion and consumed by you.

Price Modifications

TransUnion may from time to time review the prices that we charge for the Services and update them.  You will be notified of any pricing changes.

Payment for Services (excluding the USSD service)

You agree to pay TransUnion the fees stipulated on the website as the price for the Services ordered. You hereby agree that, without agreement being reached with TransUnion in circumstances where just cause exists, TransUnion will not be obliged to refund any payment made by you, nor shall you be entitled to reverse such payment, for any reason whatsoever, including your failure to pass TransUnion's verification processes.

The following payment options are available to you:

Credit Card /Debit Card /Cheque Card

By selecting this option you authorize TransUnion to charge the payment for such fees to the card indicated, using the card information provided in your application form, effective from the date of receipt of your order by TransUnion. You will receive your product or service once payment has been confirmed. It may take up to four or more business days for the transaction to clear. For purchase of fixed term and recurring subscription Services, your banking details will be stored by our third party payment provider for the purposes ongoing billing and payment, in order to provide the agreed uninterrupted Services.

Debit Order

If selecting this option, you authorize TransUnion to debit the payment for such fees from the account indicated, using the account information provided in your application. You will receive your product or service once payment has been confirmed. It may take up to four or more business days for the transaction to clear. For purchase of fixed term and recurring subscription Services, your banking details will be stored by our third party payment provider for the purposes ongoing billing and payment, in order to provide the agreed uninterrupted Services.

TransUnion is not responsible for any overdraft/over-the-limit charges, bank fees or payment failure fees, triggered by your order being processed successfully or unsuccessfully.

Pricing, Refunds and Non-Delivery of USSD Services

Pricing for products obtained through the USSD service is inclusive of VAT and are subject to change from time to time without notice. SMS costs included in the product cost. Premium SMS rates apply.  Free SMS’ and bundle SMS’ do not apply.

The pricing for the relevant product will (as applicable) be deducted from, or charged to your cellphone account immediately upon your submission of the relevant product short code together with your ID number via your cellphone.  Given the nature of the USSD service, you understand that once you receive the information/data requested in your order, you will have no right to cancel the order or attempt to rely on a "cooling-off" period as the service/s will already have been rendered by TransUnion, and consumed by you.

Notwithstanding the above, refunds may be authorized in certain circumstances and must be requested through the following process:

• call the TransUnion Call Centre ;
• provide the TransUnion Call Centre agent with the cellphone number that was used to request a USSD product as well as your name and surname;
• your query will be escalated to TransUnion’s USSD service provider to establish whether the refund request is valid;
• the investigation into the refund request will take two working days;  and
• once resolved, TransUnion will contact you to advise you on the outcome of the refund request.

Please note that refunds may be only possible where justified circumstances for a requested refund exist (i.e. where there has been any degree of fault related to the USSD service). TransUnion will, together with its USSD service provider, consider each request on a case by case basis to determine whether the request for the refund is justified.

In the event that you do not receive the USSD product you requested and paid for, the resend function is available to registered consumers only and is available through the USSD service. You will only have two attempts to attempt to receive your product with this function.  Should this not be successful please contact the TransUnion Call Centre.

Identity Theft

• Definition of ‘Identity’

Identity shall mean your name or any part thereof as is contained in any official identity document and includes the unique number issued to you by the South African Department of Home Affairs or any foreign authority vested with same power by way of law.

• Definition of ‘Identity Theft’

Identity Theft shall mean the fraudulent use of a customer’s personal Identity, by means of falsification or unauthorized use of their personal details and/or official identification document, for the purposes of transacting or entering into legal agreements with other entities, under the customer’s Identity. This includes the fraudulent use of the customer’s Identity to establish credit accounts, secure loans, enter into contracts or commit crimes.

An Identity Theft event arising from the same, continuous, related or repeated Identity Theft Incidents shall be treated as arising out of a single Identity Theft event occurring at the time of the first such Identity Theft Incident. Identity Theft event shall not include the fraudulent use of the insured’s business name, trading name or any other method of identifying any business activity of the insured.

• Definition of Identity Theft Incident

Identity Theft Incident shall mean each separate occasion upon which you are subject to Identity Theft

Service Specific Terms of Use

The following service specific terms may be applicable to you depending on the particular Services that you select.  You will only become eligible to receive the Services upon completion of the ordering process and payment of any applicable fees.

• Free Credit Report Service

In terms of the National Credit Act, you are entitled to one Free Credit Report per annum. Your subscription to any of the Services does not prevent you from accessing this report at any time during any given twelve month cycle. More information on how to access your free credit report is available on our TransUnion Site at www.transunion.co.za.

• Credit Report Service

Some of the Services will provide you with access to the Credit Report Service. The TransUnion Credit Report provides you with the access to a copy of your credit report as defined by the National Credit Act. By subscribing to this service you consent and authorize TransUnion to access your personal credit information in order to: (i) confirm your identity, (ii) compile and display your credit data related to your Credit Report, and (iii) provide related Services, which make use of your Credit Report data.

Credit Reports are a compilation of credit information that is reported to the registered and NCR approved consumer credit bureaus, by the various lending institutions and data providers with which you have accounts or services. The information contained in your Credit Report reflects the latest information provided to the bureaus. If you recently made a payment, opened a new account, or authorized an enquiry, it may not yet be reflected in the Credit Report, depending on the timing of the submission by the lender or data provider. Should any information on your credit report be incorrect, you may dispute the information by contacting the TransUnion Call Centre.

• Credit Score Service

Some of the Services will provide you with access to the Credit Score Service. The credit score provided by TransUnion is not a FICO (Fair Isaac Corporation) score but a generic TransUnion Consumer Credit Score. As with all credit scores, the actual numeric value may vary from credit bureau to credit bureau. Your Credit Score is designed to show you, by way of a number, the strengths and weaknesses of the information contained in your Credit Report. It serves as a personal benchmark that can help you improve your credit behavior. These types of score variances are natural and should not be cause for alarm.

Furthermore, it is not an endorsement or a determination of your qualification for credit. Lenders use credit scores, amongst other information, to help determine whether or not you are a good candidate for a loan and what interest rate you will pay.

There are various types of credit scores, and lenders can use a variety of different types of credit scores to make lending decisions. Like other credit scores offered to consumers, the TransUnion Consumer Credit Score may not be the same score used by lenders or other commercial users, for credit decisions. Each lender will also have specific risk scorecards and underwriting standards. You should not assume that you will receive the same evaluation from each lender. As part of the underwriting process, they will incorporate additional information you provide and may obtain references. In addition, even if you are approved, the terms and conditions of loans vary from lender to lender.

Your Credit Score may change each time new information is captured in your Credit Report. If the information is not included in the applicable Credit Report, it will not be reflected in your Credit Score. Disputed items are not incorporated in the assessment of your Credit Score.

• Credit Alerts Service

Some of the Services will provide you with the Credit Alerts Service, relating to your personal credit report. The Credit Alerts Service monitors your credit report for specific changes. These changes include the addition of a new enquiry, a new payment profile, or a default or judgment. Should our system detect one of these changes it will trigger an alert for you. By subscribing to the Credit Alerts Service, you acknowledge and agree that we may send you alerts, via your preferred method of communication as per your TransUnion Profile, or through any other acceptable method determined by TransUnion.

It is your responsibility to make sure your communication preferences and contact details are up to date, barring which we will not be able to deliver the alert communication. We may experience communication and system issues for time-to-time, which would prevent the delivery of the alert. We thus require that you log in at least once a month to your online profile to check for any new alerts as well as changes to your Credit Report. The Credit Alerts Service only monitors your TransUnion Credit Report, and does not monitor, or cross-reference any credit reports held by any other credit bureau(s). Importantly credit enquiries made through other credit bureaus, will not be reflected on your Credit Report, nor will they trigger an alert.

• ID Monitor Service

Some of the Services will provide you with access to the ID Monitor Service. ID Monitor provides you with alerts when your monitored personal information is detected on the web. Should our system detect one of these instances it will trigger an alert for you. By subscribing to ID Monitor, you acknowledge and agree that we may send you alerts, via your preferred method of communication as per your TransUnion Profile, or through any other acceptable method determined by TransUnion.

You understand that we, to our best ability, monitor your personal information using certain proprietary technologies, parties and database information owned by or under license to us. We may experience communication and system issues for time-to-time, which would prevent the delivery of the alert. We thus require that you log in at least once per month to check your online profile for any new alerts.

TransUnion is reliant on third parties to provide the ID Monitor Service and by accepting these Terms of Use, you acknowledge and agree that your information will be shared with these third parties in order to provide the service to you.

You acknowledge that the information you provide will be monitored on multiple versions of the web for your safety and as part of this service. You agree to only monitor your own personal information. You understand that for this service to operate beneficially, the onus lies on you to keep your personal monitoring information as up to date and as relevant as possible.

• ID Theft Benefit

Some of the Services will provide you with access to ID Theft Benefit. You may accept TransUnion’s Personal Identity Benefits at no cost to you.

For details related to the benefits as well as your duties, limits and exclusions, please check the Summary of Benefits which can be found on the website when you log in, under the True Identity Tab. We will also send you a copy of the summary should you require.

By accepting the benefits you warrant that you have read and agreed to the terms of the Summary of Benefits prior to inception of the ID Insure Service. You may only claim for benefits for events first discovered by you during the period in which the ID Theft Service is active and we are insured by our own insurance. Identity Theft events need to be reported to us immediately and losses must be claimed within 180 days of the identity theft event. Unauthorised Electronic Funds Transfer losses must be reported to us immediately discovered and any loss you suffer must be claimed within 90 days of the unauthorized transfer.

If you qualify for the ID Restore Service, you may only claim identity theft benefits once restitution services rendered as part of the ID Restore Service have been completed, and the final restitution report has been issued.

In the event that you suffer any loss related to theft of your identity or funds being stolen and for which you are entitled to benefits, please contact TransUnion, and inform them of the claim. They will tell you what you need to do. Should you require any advice related to the ID Theft benefit please contact us.

TransUnion reserves the right, at its sole discretion, to modify, cancel or revoke the benefits associated with ID Theft Benefits, at any time.

• ID Restore Service

Some of the Services will provide you with access to ID Restore Service. ID Restore Service provides restitution services for a customer that has suffered an Identity Theft Incident.

You will only have recourse to the ID Restore Service for Identity Theft events first discovered by you during the period in which the ID Restore Service was active and reported to us within 180 days of discovery.

The ID Restore service will allow a customer to log an Identity Theft event (case) with the TransUnion appointed restitution service provider who will:

• provide the customer telephonic or email advice on the matter,
• assign a forensic investigator assigned to their case,
• attempt to resolve the reported Identity Theft Incidents,
• issue of resolution letters for each resolved Identity theft Incident where possible,
• issue a final closeout report detailing the outcome of the Identity Theft case, and
• where required and applicable liaise with the South African Fraud Prevention Service (SAFPS) as well as the South African Police Services (SAPS).

You acknowledge and agree that your information will be shared with the restitution service provider and that in order to make use of the ID Restore Service, and to ensure that you receive the full benefit, you agree to:

• call the designated contact number for the restitution service provider and log the Identity Theft event with them,
• provide the restitution service provider with details of the Identity Theft event and related Identity Theft Incidents, as well as any the information that it requires to provide the service,
• render all reasonable assistance to the investigator, the restitution service provider and its attorneys,
• provide the restitution service provider with the completed Power of Attorney supplied, authorizing them to carry out the restitution process, which shall include , but not be limited to the investigator being able to obtain such information as may be necessary to ascertain full details as to the incident whether from credit providers or otherwise and to instruct attorneys at their cost, to launch rescission of judgment proceedings as set out below, and
• open a case with your local police station and provide the restitution service provider with the case number.

In the event that the close out report is inconclusive as to whether the incident has taken place, the restitution service provider will provide you with a copy of same and invite you to provide further objective evidence for further investigation by the investigator. Such further evidence is to be received by the restitution service provider within 30 (Thirty) days of the date of the report failing which the restitution service provider shall not proceed further with the restitution process and close the case.

You acknowledge and agree that TransUnion and the restitution service provider make no warranty or guarantee that the given that the restitution process will result in a particular outcome, or that its efforts will lead to a satisfactory result to you. The failure to provide the restitution service shall not result in a claim against TransUnion or the restitution service provider, where such failure or delay is caused by any force majeure or conditions beyond TransUnion or the restitution service provider’s control including, but not limited to, labour disturbances, strikes, war, riots or civil commotion, natural disasters, acts of God, or where rendering the service is prohibited by any local law or regulation.

Your only recourse against the restitution service provider for failure to provide the restitution service in circumstances where it should so have done is a refund of that period’s fee. You indemnify and hold harmless the restitution service provider for any claim howsoever (by you or any third party) as a result of the provision of the service rendered to you.

Important to note is that the restitution services do not address Identity Theft events:

• related to the restoration of online accounts such as email and social media,
• where the Identity Theft event that causes prejudice to the customer is in relation to a company outside of South Africa, or
• the logging of credit report disputes to address fraudulent entries in the customer’s credit report.

By accepting these Terms of Use you acknowledge that you are aware that TransUnion is not acting as a credit-/debt counselor or credit repair service. Furthermore, that TransUnion’s restitution services are limited to assisting customers in remedying the effects of Identity Theft. Any attempt to use the services as a credit repair service may result in TransUnion terminating the restitution service for misuse and pursuing recovery of any damages incurred by TransUnion or its service providers from you directly. We reserve the right to adjust the nature of the services provided through the ID Restore Service.

• Debt Analysis Service

Some of the Services will provide you with access to the Debt Analysis tool. The Debt Analysis tool gives you a view of your monthly credit obligations in relation to your income and helps you monitor your level of indebtedness. It also allows you to understand your overall credit standing better.  This tool is purely intended to assist you to analyze your debt and is by no means confirmation of any credit approval or advice in as far as any debt rehabilitation is concerned.

• TransUnion Business Credit Report Service

By purchasing the TransUnion Business Credit Report you acknowledge and agree that any principal information requested by you from TransUnion, shall be with the required consent and used solely for the purposes of evaluating the business concerned, or to the extent permitted or prescribed by the National Credit Act, if applicable to such business enquiries such as factual check, rental check or risk assessment.

• USSD Service

The following products are available via TransUnion’s USSD service:

Your Credit Score	This score provides you with a single three digit number indicating what your credit report says about your management of your existing credit. It is not indicative of the scoring used by credit providers when assessing applications for credit and is not an instruction to lenders as to whether they should approve or decline you for credit – it is merely a generic credit score generated by TransUnion.
Your Account Status	This shows the total value of your credit accounts listed by TransUnion as well as a percentage breakdown by credit type.
Your Credit Summary	This is a summary of your credit report, including a breakdown of your positive listings (such as your debt balance and number of active and closed accounts); as well as your negative listings (such as judgments, defaults, and notices).
How You Compare	This shows you where your credit score ranks amongst other South Africans relative to their TransUnion scores.

To be eligible for the USSD service you require:

• a valid cellphone number that is linked to your TransUnion credit record (i.e. the cellphone number used by you when accessing the USSD service must be a number that is reflected on your TransUnion credit report (this is a security requirement for protection of your personal information); and
• sufficient funds in your cellphone account. If you have insufficient funds in your cellphone account the requested product will not be delivered to you.

You will be charged in session rates for the usage of the USSD service for every 20 seconds that the USSD session is used to either register, view products or resend an already purchased product. Please contact the TransUnion Call Centre for current rates.

You will be issued with a ‘Failed Verification’ status if you:

• have tried to register on the USSD service but have previously failed the TransUnion online verification via this site;
• have a mismatched ID number and surname combination;
• use a cellphone number that does not match any cellphone numbers in your TransUnion credit report;
• have no cellphone number recorded in your TransUnion credit report; and/or
• select the incorrect address option.

Should you fail verification during the USSD quick registration process you will be registered on the USSD quick registration and assigned the ‘Failed Verification’ status.  To attempt to undo your Failed Verification status you will need to complete the full registration via the TransUnion site or TransUnion’s Call Centre.

Last revised - May 2020
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