0860 627 627 (Call Centre) / 011 554 2700  (Reception) 

  info@ncr.org.za / complaints@ncr.org.za / workshops@ncr.org.za

Challenge Credit Record

When a consumer requests a credit report, the said report must disclose  identical information to that which will be displayed should such a  report be provided to a third party.


If the accuracy of the consumer credit information is challenged by a consumer, 

the following steps should be taken:

  1. The consumer must contact the credit bureau concerned to raise an objection or lodge a complaint (either TransUnion ITC or Experian);
  2. The bureau has 20 business days in which to resolve the issue;
  3. If the bureau is unable to resolve the issue, the consumer should refer the matter to the Credit Information Ombudsman (CIO);
  4. Should the CIO be unable to find a resolution, the NCR will intervene on the request of the CIO.

Note that the National Credit  Regulator will not be able to deal with the complaint until the complainant has first contacted the credit bureau.

Call center numbers of the credit bureau

TransUnion ITC Experian
Consumer 0861 482 482  Consumer 0861 105 665
Credit Provider 0861 482 482 Credit Provider 0861 636 070

Contact details

Physical Address
127 - 15th Road

Physical Address
Call-Centre, Complaints and Investigations Department
232-15th Road

Consumer Rights

Consumer Assistance
Know your rights
Consumer Tips
Challenge Credit Record

Operating Hours

Mon - Thur : 8AM - 5PM
Friday : 8AM - 4:30PM

Call Centre
0860 627 627

011 554 2700

National Credit Act

Download the National Credit Act
National Credit Amendment Act
National Credit Regulations
Background Documents on the NCA


Fraud / Anti-Corruption Hotline

Report any incidents of wrong doing
to the KPMG Ethics Line

0800 20 53 17 (Toll Free)