How to dispute incorrect information on your Credit Profile
In terms of the new national credit Act, you are entitled to dispute any inaccurate information held by a registered credit bureau.
Here's how you do it.
Request a copy of your credit report from all of the major credit bureau or from another provider like Credit Salvage Corporation SA (Pty) Ltd Credit Clearance department. These are all typically accessible through the Internet.
Go through your profile carefully and scrutinise your report thoroughly. Highlight all information you do not recognize or that appear to be incorrect.
Call the credit bureau company reporting the information in question and request you want to dispute the previously highlighted information. Supply the credit bureaux with as much information as possible. The credit bureau will provide you with a reference number and in terms of legislation they have 20 working days to investigate
Should the credit bureau not remove the information as per your request and you are unhappy with their explanation you may then take it further to the credit ombudsman.
Request a copy of your credit report annually to keep on top of the situation.