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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 details about how you manage credit, including your credit card, car loan, cell phone account etc.

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

How do I get my credit report?

You have the right to challenge inaccurate information on your credit report. Email the specifics regarding the disputed information and any documentation you may have to:

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

All Namibian Consumers have the right to access their FREE credit report once a year by visiting our office Monday to Friday between 10am and 1:30pm or you can send us an SMS to 081 341 8727 with your ID number and Email Address. TransUnion will respond with the request form to be completed via email.

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