Soft Credit Checks

Are you looking for a soft credit score check: a check that’s 100% free, won’t hurt your score, and online? Credit Boost has partnered with XDS to offer online credit checks at no cost to you. Checking your credit score has never been easier. All you need is your ID number and contact details and you’re good to go.

We need your ID number to reference XDS’ system. XDS uses your ID number to find you in the credit bureau database and report your credit information back to us. We need your contact details so we can touch base with you and send you your credit information.

Your report will include your particulars; name, address, date of birth, your credit history; payment history, derogatory marks (late payments or defaults, and public records (debt review, judgments, administration orders, bankruptcy, etc.). You’ll also find the state of your accounts: how much you owe on them, called a balance, and whether any are in arrears.

Why check your credit?

It’s important to check your credit report regularly to ensure that there is no missing or incorrect information, like false late payments or wrong addresses. Upon checking their credit, many people have discovered that they were fraud victims. Credit Boost recommends checking your credit record quarterly or more to ensure your record stays squeaky clean.

Interestingly, the government mandates that every bureau give you a free credit check. Section 78 (3) of the National Credit Act states that consumers are entitled to one free credit report per year from each registered credit bureau in the country. Free access to credit reports empowers consumers to manage their finances effectively, track their creditworthiness, and avoid identity theft.

Empower yourself today with a free credit report using Credit Boost’s free online credit checker. You’ll have your credit report in minutes with only your ID number and contact details. Alternatively, contact us to learn more about how you can fix your credit.