Your Best Defence Against Identity Theft Is Your Credit Report

Many people think that identity theft is committed solely against innocent, unsuspecting or unknowledgeable persons. Believe it or not, large percentages of the population are vulnerable to having their identities stolen even if they believe they don't possess any vulnerabilities. It may surprise you to learn that the places where people most commonly get their identities stolen are within their homes and communities.

Credit report defence

There are a lot of things that you can check using your credit report. One of the most important pieces of information is seeing if anyone has been opening up new accounts or applications in your name. You can find out how this happens, and you should check your credit report at least once a year to ensure there is no fraud going on without you knowing about it.

Check the report in detail

After you have received your credit report, go through it thoroughly to verify the information provided. You may find that some creditors have unfiled information, as well as those who failed to notify the credit bureau about your account.

Having to pay off your loan means you won’t be able to splurge what little money you may have on yourself. And, for some expenses like buying a house, having no option but to do it with a mortgage can make it harder as well as put more pressure on your shoulders. You’ll need to start thinking about responsibilities like making regular payments and renewals without really splurging money for yourself now and again.

The information will show the creditor's name, dates when you first made initial payments, and your current payment status. It will also indicate the outstanding balance and any missed payments over time.

Your credit report will also include a list of inquiries, so you can see who has viewed your report. The public records section gives you details on any legal action taken against you for unpaid accounts.

Report it immediately

If, after examining your credit report, you see entries that lead you to the conclusion that you have been a victim of identity theft, immediately contact the credit bureau and dispute any information associated with criminal activity.

Identity theft is one of the fastest-growing crimes. If you haven't been a victim of identity theft already, there's a high chance you know someone who has been. The good news: there are ways to prevent yourself from becoming a victim. The easiest way to protect yourself from identity theft is to monitor your credit report.

Ask Credit Health for more advice on how to access your credit report and stay safe online.


  • 10 common credit score myths.
  • 5 ways to pay your credit card debt.
  • 8 most common credit terms.
  • A Guide On How To Get Out Of Debt.
  • Blacklisting, is it still a thing?
  • Breaking Bad Debt.
  • Build Your Credit Score While You’re Young
  • Can I Get A Loan While Under Debt Review?
  • Can Your Credit Score Affect Your Job?
  • Check Your Credit Report For Signs Of Fraud
  • Common myths about debt review.
  • Debt Management Tips.
  • Debt Review Is A Good Idea.
  • Default, Judgement, Sequestration.
  • Disputing Errors on Credit Reports
  • Free VS Paid Credit Reports.
  • Frequently Asked Questions about Debt Review.
  • Get your credit report before applying for a loan.
  • Get Your Credit Score Back On Track
  • Good Debt Can Build Your Credit Score.
  • Hard VS Soft Inquiries On Your Credit Report.
  • Have I Been Blacklisted?
  • How do I get late payment entries removed?
  • How Do I Manage My Debt When I Am Unemployed?
  • How do I read my credit report?
  • How is your credit score calculated?
  • How Is Your Credit Score Weighted?
  • How Long Does Debt Review Last?
  • How To Calculate Your Debt-To-Income Ratio.
  • How To Clear Your Name At Credit Bureaus.
  • How To Improve Your Credit Score After Debt Review.
  • How To Qualify For New Credit With No Credit Score.
  • How To Reduce And Eliminate Debt.
  • Judgements, Administrations and Listings
  • Online Shopping – Just (don't) add to cart!
  • Teaching Children Good Money Sense.
  • The Best Way to Manage your Store Credit Card Account
  • The Pros And Cons Of Debt Counseling.
  • Things You Don't Want To See On Your Credit Report.
  • Tricks To Help You Save While Paying Off Debt
  • Understanding a credit report in South Africa.
  • Understanding Debt Consolidation Loans in South Africa
  • Vehicle instalments driving you to despair
  • Warning Signs You Could Be Heading for Financial Disaster
  • What Affects Your Credit Score?
  • What are credit bureaus and how do they work?
  • What causes credit card debt?
  • What do credit bureaus know about me?
  • What Effect Does Your Credit Report Have On Your Interest Rates?
  • What Happens To Your Credit When You Get Married?
  • What Happens When I Skip A Debt Payment?
  • What Happens When You're Debt Free?
  • What is a credit score?
  • What is a credit utilization rate?
  • What Is A Decent Credit Score To Buy A Car?
  • What Is A Good Credit Score If You Want To Buy A House?
  • What Is A Hard Inquiry And How Does It Affect Your Credit Report?
  • What Is A Soft Inquiry And How Does It Affect Your Credit Report?
  • What Is Considered A Bad Credit Score?
  • What is considered a good credit score?
  • What Is Debt Administration?
  • What Is Debt Counseling?
  • What Is Debt Review?
  • What’s the difference between your credit score and your credit report?
  • Which Type Of Credit Carries The Most Risk?
  • Why Debt Counseling Is Perfect For You.
  • Why Did My Credit Score Go Down?
  • Will checking my credit report affect my credit score?
  • Your Best Defence Against Identity Theft Is Your Credit Report
  • Your Credit Score: The Basics.
  • Show More

    Check for arrears accounts

    modal-close

    In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

    Check for arrears accounts

    modal-close

    In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

    modal-close

    Report Download

    modal-close

    Funeral Cover Application

    modal-close

    You will be redirected shortly to complete the signup process

    If you are not redirected, click here.