Credit Profile Report – Take Control of Your Financial Future

calculator-document-arrangement

When it comes to making big financial moves—whether applying for a loan, buying a car, renting a home, or even passing an employment background check—your credit profile can make or break the outcome.

At Postfin, we give you instant access to your comprehensive Credit Profile Report, powered by the trusted Lexis WinDeed / Experian platform. This report provides a complete view of your financial standing, so you can stay informed and prepared.

What Does a Credit Profile Report Include?

Your report is more than just a credit score. It contains a full breakdown of your financial history, including:

  • Credit Score (Compuscore): A numerical rating (e.g., 621 = Average Risk) that lenders use to measure reliability.
  • Accounts Summary: A breakdown of active and closed accounts, balances, repayment history, and arrears over the past 12–36 months.
  • Judgments & Notices: Court judgments, defaults, or administrative orders (if any).
  • Defaults & Collections: Unpaid debts, overdue accounts, or cases handed to debt collectors.
  • Enquiries: A record of institutions that have accessed your profile (such as banks, credit providers, or employers).
  • Employer History: Past or current employers listed on your credit record.
  • Contact & Address Verification: Linked phone numbers, addresses, and trace details to confirm your identity.
  • Adverse Information: Negative credit events such as defaults, judgments, or high debt-to-limit ratios.

Why Is This Report Important?

Your credit profile tells your financial story. With a Credit Profile Report, you can:

  • See what lenders see before you apply for credit.
  • Check for errors and dispute incorrect listings.
  • Track your debt-to-income and repayment behaviour.
  • Identify red flags such as defaults, judgments, or high arrears.
  • Work towards improving your credit score for future opportunities.

Who Should Get a Credit Profile Report?

  • Individuals applying for a loan, home finance, or vehicle finance.
  • Job seekers where credit checks are part of the hiring process.
  • People wanting to manage or improve their financial health.
  • Anyone who needs proof of creditworthiness.

Why Postfin?

  • Instant reports printed at your nearest Postfin branch.
  • Affordable pricing – only R85 per report.
  • Powered by Lexis WinDeed / Experian, South Africa’s most reliable credit bureau data provider.
  • Confidential and secure, in line with POPIA.
  • Friendly staff ready to assist you.

How to Get Your Report

  1. Visit your nearest Postfin branch.
  2. Bring your South African ID or ID copy.
  3. Our staff will generate your credit profile report instantly.

Click here to download/view a sample Credit Profile