Credit Bureau Dispute Process - SACRRA

SACRRA

Empowering well-informed choices within constantly evolving markets

Your collaboration partner to improve and transform the data sharing ecosystem

Credit Bureau Dispute Process

Kindly note that SACRRA does not handle disputes related to information contained in your credit report. Should you wish to lodge a dispute regarding information appearing on your credit report kindly contact any of the credit bureaus listed below. Should your dispute not be resolved to your satisfaction after 21 business days, you can escalate your complaints to the National Financial Ombud Scheme at www.nfosa.co.za

Consumer Profile Bureau

TransUnion

VCCB

XDS

To dispute debt counseling/review flags appearing on your credit report, kindly contact the National Credit Regulator (NCR) directly at dccomplaints@ncr.org.za or call them on 0860 627 627 or visit them at 127 -15th Road, Randjespark, Midrand.

About Us

Established in 1989, the SACRRA is a voluntary industry association composed of dedicated companies committed to sharing critical credit and risk payment performance data about their customers with our esteemed bureau members. Our member base also includes organisations offering top-notch analytical and data management services to the industry. Together, we strive to enhance comprehensive credit profiles and uphold exceptional data quality.

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Executive Director

Magauta Mphahlele

Magauta’s extensive experience in credit and general consumer protection spans more than 24 years. The Consumer Protection Act and National Credit Act were conceptualized, consulted on and passed into law under her leadership as the Consumer Law Reform Project Manager at the Department of Trade and Industry. Her role also included managing the transition from the then Micro Finance Regulatory Council to the establishment of the National Credit Regulator. She served as the full-time member of the National Consumer Tribunal.

As the previous CEO of the National Debt Mediation Association, Magauta established strong ties with the credit industry and was able to successfully transition the NDMA into a successful Alternative Dispute Agent company called Ithuseng Credit Solutions (ICS). ICS has since 2013 been working mainly in the mining sector to reduce the abuse of the payroll system by assessing and challenging illegal Garnishee and Administration Orders. ICS also assisted thousands of mineworkers to improve their credit profiles to enable them to qualify for mortgage and vehicle finance through disputing incorrect credit bureau information, credit health and budgeting coaching as well as running debt management workshops.

Before joining SACRRA she was the Chairperson of the Board of the Consumer Goods and Services Ombudsman (CGSO). After the resignation of the CGSO Ombud, Magauta was apointed as the Ombudsman. The CGSO is an Alternative Dispute Resolution Scheme for the Consumer Goods and Services Industry and mediates disputes between suppliers of goods and services and their customers.

She holds an Honors Degree in Applied Linguistics and a Postgraduate Diploma in English Education from Wits University. In 2018 she completed the International Executive Development Program in Developmental Finance offered by Wits University. The IEDP included study tours to Brazil, Ghana, and Tanzania to study best practices in financial inclusion. She put the knowledge gained to good use when she became a Presenter on Ke-Zaka, a Television program that was aired on SABC 2 for 13 episodes. Her role was to provide expert content to the producers, interview Stokvels, provide expert advice and link the Stokvels with suitable experts to assist them to transform from consumption to investment and wealth creation vehicles. The Stokvel groups included a mix of Burial Societies, Investment Groups, Cooperatives and Savings Groups.

She currently holds the following non-Executive positions:

Board Member of the Short-Term Insurance Ombudsman.

Previous Non-Executive Positions include:

Member of the Financial Services Board Legislative Committee.

Non-Executive Chair of the Consumer Goods and Services Ombudsman

Non-Executive Director of the South African Fraud Prevention Service.

Board Member of Micro Finance South Africa

Board Member of the Credit Ombudsman.

Mediator at the Gauteng Housing Rental Tribunal.

Adjudicator at the Gauteng Consumer Court.

Adjudicator at the National Consumer Tribunal

Member of the Unfair Practices Committee of the Department of Trade and Industry; and

Board Member of the National Home Builders Registration Council, and Estate Agency Affairs Boards.

Chair of the Credit Industry Forum