Consumer Credit Report

11-13 St. Andrews Street,

Oakhurst Building,Parktown, Johannesburg
Tel No:+27 11 645 9100, Fax No:+27 11 484 6588
website:www.xds.co.za
Email : info@xds.co.za

Enquiry Input Details

This section includes the user's search input details.
Enquiry Date

09/01/2015 - 01:07:28

Enquiry Type

Consumer Credit Enquiry

Subscriber Name

Nedbank Home Loans Collection& Recoveries (9520)

Subscriber User Name

Lynette Crouse

Enquiry Input

7703115320089

Enquiry Reason

Credit assessment

Personal Details Summary

This section displays the Personal information for the consumer. Included here is ID or Passport, Name, Gender, Marital Status,
Current Contact, Address, and Employment Info.
Reference No.

C110698320-83099663

External Reference No.

ID No.

7703115320089

Passport or 2nd ID No.

Surname

KHOZA

Residential Address

1478 0 0 SELEPE DUBE VILLAGE DUBE DUBE

VILLAGE DUBE 1801

First Name

ALBERT

Postal Address

170 MIMOSA ST NORTHCLIFF EXT 19 - 1709

Telephone No. (H)

0119821863

Second Name
Title

Mister

Telephone No. (W)

0118899923

Gender

Male

Cellular/Mobile

0835530913

Date of Birth

1977-03-11

E-mail Address

Marital Status

Married

Current Employer

SASOL GROUP SERVICES

Potential Fraud Indicators

This section displays information verified by Home Affairs.
ID No. Verified Status At Home Affairs

Yes

ID No. Deceased Status At Home Affairs

No

ID No. Found on Fraud Database

No

* Nothing on Record

XDS Presage Score

The XDS Presage score is a generic bureau scorecard which indicates the credit risk associated with a consumer by taking into consideration
the consumers historical credit profile and repayment behaviour. The higher the score, the lower the associated risk of future payment
delinquency or default.

Debt Summary
This section displays a summary of all the consumers current debt obligations, legal enforcement action taken, Court Notices, enquiries done
on this consumer by credit providers and debt counselling information.

Description

NLR

CPA

Total

Total No. of Active Accounts

12

12

Total
No.
Accounts
in Good
Friday,
09ofJanuary
2015
13:07Standing
Total No. of Accounts In Arrears

0 Credit Regulator Reg# NCR-CB5

12
Registered with the National
0
0

Total No. of Paid Up or Closed Accounts (last 24 months)

12
0
4

Page: 1/5

Total No. of Active Accounts

12

12

Total No. of Accounts in Good Standing

12

12

Total No. of Accounts In Arrears

Total No. of Paid Up or Closed Accounts (last 24 months)

Total Monthly Instalments

R0

R 13251

R 13251

Total Outstanding Debt

R0

R 1081553

R 1081553

Total Arrear Amount

R0

R0

R0

Highest Months in Arrears (Last 24 Months)

Total Adverse Amount (Write offs/Repossessions)

R0

R0

R0

Total Enquiries Done in the last 90 days by Subscriber

Total Enquiries Done in the last 90 days by Other Subscribers

Total No. of Accounts opened within the last 45 days

Description

Total

Amount

Public Domain - Adverse / Defaults

R0

XDS Default listing

R0

Judgements

R0

Court Notices (Admin Orders/Sequestrations/Rehabilitation Orders)

R0

Enquiries (last 24 months)

Current Property Interests

Total No of Principal Links (CIPC)

Most Recent Date

2014-10-30

R 696400

Debt Review Status

Dispute Information

Payment Profile: Credit Account Status

This section includes 24 month payment behaviour of all credit agreements as reported by the Credit Grantors belonging to Credit Providers
Association (CPA).
Date Account
Company
Opened

Account No.

Open
Current
Balance /
Balance
Credit Limit

Instalment
Amount

Arrears
Amount

Type
Current
of
Status of
Account Account

Last Paid
Date

2014-10-21

MTN

A4962404

R0

R0

R0

R0

Paid Up

2014-11-30

2014-08-29

Absa Personal Loans

3040913937

R 64140

R 62653

R 1714

R0

Active

2014-11-30

2013-05-30

RCS Game

0005022190305
945224

R 20700

R 34

R 34

R0

Active

2014-11-25

2013-05-17

Vodacom

I3640763

R0

R 99

R 99

R0

Active

2014-11-25

2011-10-15

Queenspark

0518030008001
876992

R 7000

R0

R0

R0

Paid Up

2014-08-30

2011-10-14

Woolworths Card

6007850192191
565

R 12500

R 33

R0

R0

Paid Up

2014-08-30

2008-06-17

OUTS/MOMENTUM

OT8309614OUM

R0

R 644

R 644

R0

Active

2014-11-25

2008-06-13

Absa Vehicle Finance

0000000077261
465

R 72783

R0

R0

R0

Closed

2013-12-01

2008-03-10

Absa Home Loans

8064628890

R 298007

R 290376

R 3283

R0

Active

2014-11-24

2007-09-07

Std Bank Homeloans

361027311

R 555000

R 663706

R 5207

R0

Active

2014-11-29

2004-12-13

Std Bank Pension

Backed Lending

174176082

R 20000

R 2476

R 262

R0

Active

2014-10-30

Friday, 09 January 2015 13:07

Registered with the National Credit Regulator Reg# NCR-CB5

Page: 2/5

2002-12-11

Absa Credit Card

4550270040673
000

R 65000

R 61365

R 1841

R0

Active

2014-12-24

1996-09-14

Edgars

7000100100018
095042

R 11877

R 167

R 167

R0

Active

2014-12-03

Building Loan

Credit Card

Debt Recovery

Single Credit Facility

Open Account

Garage Card

Home Loan

Instalment Account

Unsecured Revolving Loan

Unsecured Term Loan

Life Insurance

Pension Backed Lending

Open Account

Personal Cash Loan

Revolving Credit

Short Term Insurance

Student Loans

Utility

Overdraft

Monthly Payment Behaviour as at 09/01/2015

Company

JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB
2015 2014 2014 2014 2014 2014 2014 2014 2014 2014 2014 2014 2014 2013 2013 2013 2013 2013 2013 2013 2013 2013 2013 2013

MTN

Absa Personal Loans

RCS Game

Vodacom

Queenspark

Woolworths Card

OUTS/MOMENTUM

Absa Vehicle Finance

Absa Home Loans

Std Bank Homeloans

Std Bank Pension Backed Lending

Absa Credit Card

Edgars

Definitions

Indicators

No data found

Repeat of previous month's Status Code

Not in arrears

No of months in arrears

1-9

Closed

Paid Up

Payment Profile: National Loans Register NLR

* Nothing on Record

This section includes 24 month payment behaviour of all credit agreements as reported by Micro Lenders as part of the National Loans
Register (NLR).

Public Domain Records

This section displays all details of Court Notices, Judgements, Legal enforcement action taken by credit providers and debt review status.

Adverse/Defaults

* Nothing on Record

XDS Default Listing

* Nothing on Record

Friday, 09 January 2015 13:07

Registered with the National Credit Regulator Reg# NCR-CB5

Page: 3/5

Judgements

* Nothing on Record

Court Notice's - This section contains Admin Orders, Provisional Sequestration, Sequestration and Rehabilitation Orders.
Administration Orders

* Nothing on Record

Sequestrations and Provisional Sequestrations

* Nothing on Record

Rehabilitation Orders

* Nothing on Record

Debt Review Status

* Nothing on Record

* Nothing on Record

XDS Payment Notifications

This section displays default payment alerts loaded for early and late stage collections for non performing accounts.

Consumer Information
This section supplies a list of current and previous addresses, contact and employment data.

Address History
Bureau
Update

Type

Line1

Line2

Line 3

Line 4

Postal
Code

2013-07-05

Residential

1478 0

0 SELEPE

DUBE VILLAGE DUBE

DUBE VILLAGE
DUBE

1801

2011-04-18

Residential

1 STURDEE AVE

ROSEBANK

2011-04-17

Residential

1478 SELEPE STREET

DUBE VILLAGE

DUBE

1800

2014-11-17

Postal

170 MIMOSA ST

NORTHCLIFF EXT 19

1709

2013-07-05

Postal

PO BOX BOX 4221 0

RANDBURG

2125

2196

Contact No. History

Bureau Update

Type

Telephone No

2011-09-05

Work

0118899923

2011-09-05

Cellular

0835530913

2011-09-04

Cellular

0825530913

2010-02-16

Home

0119821863

2010-02-16

Work

0118897689

Email Address History

* Nothing on Record

Employment History
Bureau Update

Employer

2010-07-05

SASOL GROUP SERVICES

2009-04-19

SASOL

2010-02-16

SASOL OIL

Friday, 09 January 2015 13:07

Designation

Registered with the National Credit Regulator Reg# NCR-CB5

Page: 4/5

Credit Enquiry History

This section includes a list of organisations or credit providers who have requested a Credit Report on this consumer.
Enquiry Date

Requested By

Type/Category of
Credit Grantor

Contact Number

Enquiry Reason

2014-10-30

Nedbank Home Loans Collection& Recoveries (9520)

Banks

0115005195

Credit assessment

Property Interests
This section displays a list of properties registered in the name of the consumer at the Deeds offices around SA.
Property Interest 1
Title Deed number

T29018/2005

Erf/Site No.

1478

Deeds Office

JOHANNESBURG

Physical Address

1478 SELEPE DUBE SOWETO

Property Type

Freehold

Extent / Size

516.0SQM

Purchase Date

2004-07-08

Purchase price

R 136500

Bond Number

B382232005

Bond Holder

FIRSTRAND BANK LTD

Bond Amount

R 133000

Property Interest 2
Title Deed number

T48428/2007

Erf/Site No.

148

Deeds Office

JOHANNESBURG

Physical Address

148 GXOYIYA MUNSIEVILLE KRUGERSDORP

Property Type

Freehold

Extent / Size

544.0SQM

Purchase Date

2006-07-08

Purchase price

R 559900

Bond Number

B737552007

Bond Holder

STANDARD BANK OF SOUTH AFRICA L

Bond Amount

R 555000

Principal Links
This section displays a list of companies where the consumer is linked as a principal.
Principal Link 1
Current Post

Date of Inception

2011-06-22
B2011/092158/23

Company Name

DAXIMART

Company Reg No.

Company Address

1478 SELEPE STREETDUBE

VILLAGESOWETO1801

Company Phone No.

Industry category

Unknown Data

Principal Status

Active

Principal Link 2
Current Post

Date of Inception

2002-08-12

Company Name

SANIBONANI BUSINESS
ENTERPRISE

Company Reg No.

B1995/009283/23

Company Address

25 LUIPAARD
STREETKRUGERSDORP1740

Company Phone No.

Industry category

Financial intermediation, except

insurance and pension funding

Principal Status

Friday, 09 January 2015 13:07

Registered with the National Credit Regulator Reg# NCR-CB5

Active

Page: 5/5