A Consumer Profile is an overview of an individual in regard to credit and credit history. Credit grantors use this information to help them assess the risk involved in granting credit.
A search can be performed by providing a surname, first name and ID number.
A consumer profile result may contain information such as:
Consumer identification information
Information about the searched consumer, aliases, addresses, contact and past employment details.
Public records that may affect a consumer’s creditworthiness
- Judgments on File – Details of any legal actions, including type, amount and date
- Defaults on File – Details of any defaults, e.g., amount outstanding
- Notices on File – Details of outstanding notices
Enquiry history
Details of enquiries made, including type, date and name of the enquirer.
Consumer debt counselling information
If the consumer is receiving debt counselling, this is noted clearly in the header section of the profile. The National Credit Act states that it is illegal to grant credit to a consumer that is involved with debt counselling.
The TransUnion Consumer Profile is a credit bureau search, requiring WinCredit activation.
LexisNexis Risk Management (1990/004046/07) is a registered credit bureau (NCRCB26).