What is it?
A credit report is a detailed account of your credit history. Credit bureaus collect information of all your credit transactions and use it to create your credit report. Credit providers use credit reports to help determine a prospective customer’s creditworthiness.
Understanding your credit status

When it needs improvement, you can do what is needed to get your debt under control, improve your score and get your finances back on track. When it’s really healthy, you can get access to the credit you need. Knowing your credit status gives you financial power and options.

Because Bayport understands the power of knowing your credit status, we are making it easy for you to get this information. You are entitled to a free credit report once a year from any of the credit bureaus in South Africa.

However, as a Bayport customer you can get a report once a month, at no cost.

Your Credit Health Report includes the following:

How to get a Credit Health Report
If you are a Bayport customer, simply register on our website, complete a brief verification process and we will make your first report available to you at no cost.
If you are not a Bayport customer and apply for a loan, we will give you a credit health report at no cost.