Get a non-footprint credit check now using Credit Boost’s free online credit checker to get a free report that won’t hurt your score. We’ve partnered with Xpert Decision Systems to bring you a free, secure, and fast credit check using just your phone, PC, or tablet. All you need is your ID or passport number and contact details. We’ll use these to reference XDS’ system and send you your credit report.
Our credit checks are non-footprint because they’re soft inquiries. Soft inquiries are soft credit checks that lenders, insurers, landlords, or anyone else you’re financially involved with can’t see. They’re also called self-checks, and consumers around South Africa use them to check for fraud and inaccurate information. By law, the credit bureaus must award you one per year. That means that you can check your credit multiple times per year using Credit Boost, Experian, TransUnion, Equifax, and other bureaus.
Hard inquiries leave footprints. These are marks that show up on your credit report when you apply for a loan, phone plan, mortgage, credit card, or other sort of finance. Too many of these can lower your score and indicate that you’re desperate for credit to lenders, making them apprehensive about lending you money.
Checking your credit report frequently is important for ascertaining whether fraud or incorrect information has been entered into your credit profile. Some inaccurate information you could dispute includes erroneous home addresses, false late payments, and public records (like debt review or judgements) that have overstayed their welcome.
Once you have an idea of how your credit report could be optimised, you can take action like starting disputes, paying off debts, or even making fewer hard inquiries to boost your credit score.
If you would like to check your credit score safely and without leaving a mark or footprint on your report, use Credit Boost’s online credit checker. Feel free to contact us if you have any questions about your report or how you could better your score.