A credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments. ... Because of this, measures of borrowing costs such as yield spreads can be used to infer credit risk levels based on assessments by market participants.

Credit risks are calculated based on the borrower's overall ability to repay a loan according to its original terms. To assess credit risk on a consumer loan, lenders look at the five Cs: credit history, capacity to repay, capital, the loan's conditions, and associated collateral.

​

We offer a fully comprehensive assessment and report of consumer or company, consisting of the following:

​

Consumer 

• Personal information

• Name 

• Id No 

• Gender

• Marital Status 

• Address history

• Contact numbers 

• Employer

• Bank Codes

• Consumer Scores 

• National Credit Act  - Disputes 

• National Credit Act - Debt Review Applications

• Notices and administration orders 

• Sequestration and rehabilitation notices 

• Court records / Judgements

• Defaults 

• Transunion Trace allerts

​

Company 

• Registered date

• Status

• Business name

• Current registration number

• Business start date 

• Financial year end 

• Type of business

• Business sector

• Registered address

• Auditors 

• Tax number 

• Vat number

• Court Records / Judgements 

• Default data 

• Principles(Directors) of the business 

• Bank Code

​