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How does credit work?

Every time you apply for a loan, lenders check your credit profile
to see if you have a good credit history.

If you pay your loans back on time it affects your credit profile positively.

If you pay late or miss payments it affects your credit profile negatively.

What is a credit report?

A credit report is a description of your credit history and payment behaviour that is maintained by credit bureaus, including TransUnion.

It contains information such as your name, address, employer name and Omang number—the details you give to lenders when completing a credit application form.

How do I get my credit report?

Contact us on 390 3535 or visit your nearest post office. Make sure you bring your original proof of identification.

Have a query or want to dispute something on your credit report?

You can log a query or dispute by calling us on 390 3535 or emailing us at Simply provide us with an overview of your query or dispute as well as the supporting documentation.

Credit bureaus have 20 working days to resolve queries or disputes.

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