Default Listing
Default Listing allows businesses to submit and access consumer default information efficiently. This service helps you manage the risk of non-payment by enabling you to list individuals with adverse payment records designed to support default listing processes under the National Credit Act, which can assist with the management of outstanding consumer debt.
This service is ideal for businesses that extend credit or provide goods or services on deferred payment terms, where lawful, particularly those facing challenges in collecting payments from consumers.
Minimise Financial Losses
Reduce the impact of unpaid debts by effectively tracking and managing defaults.
Enhance Debt Collection
Streamline your debt recovery process, making it easier to follow up on outstanding payments.
Mitigate Risks
Screen potential clients by accessing recently updated default data, helping you make informed lending decisions.
User-Friendly Access
Benefit from an easy-to-use online web portal or direct API integration for seamless data submission.
Contact us for more information
How It Works
As a subscriber, you can submit and manage your defaults data via an online portal or through direct API integration. The data you submit will be processed and loaded by Experian’s data processing team, subject to applicable processing and compliance checks.
Compliance Specifications
Listings are accepted only where minimum legal and procedural requirements are met.
Non-Permissible Sources of Default Data
- The service does not accept adverse information related to SABC TV licenses, Road Traffic Offences, or e-tolls.
- Educational institutions are also prohibited from providing adverse information.
What Details Are Displayed on a Consumer's Credit File?
- Date the default was loaded and when the debt went into default.
- Name of the creditor or collection agency.
- Type of account held by the debtor.
- Amount in default and outstanding balance.
- Status of the default and whether it has been paid.