Our Credit Bureau Partners

A Credit Bureau is a company that collects and maintains individual credit information and sells it to lenders, creditors, and consumers in the form of a credit report. While there are dozens of credit bureaus, Kudough has partnered with 4 of the leading bureaus active in South Africa. Not only do you get one FREE report per year from Kudough, when subscribing to Kudough, you can choose from 1 or all 4 credit bureau reports. If you are not sure, we will guide you on which credit bureau reports you should see based on your debt profile.



We are the leading credit bureau partner in South Africa. With Kudough you can instantly get your TransUnion Credit Report or compare it side by side with your Experian, Vericred and XDS report in an easy to read format, giving you the insight you need to build your credit status.

Kudough has partnered with TransUnion to bring your credit information from TransUnion, wrapped up with your credit information from other leading credit bureaus and presented to you in the Kudough Credit Report.

At the center of the South African economy for more than 100 years, TransUnion Credit Bureau maintains data on over 23 million consumers and 3.3 million businesses and more than 36 million consumer payment profiles are updated monthly.

TransUnion is one of the largest and most respected credit bureaus in the world with offices in over 23 different countries and its headquarters in Chicago.

As with all credit bureaus TransUnion is registered with the National Credit Regulator and subject to the regulations of the act.

With Kudough you can instantly get your Vericred Credit Report or compare it side by side with your Experian, TransUnion and XDS report in an easy to read format, giving you the insight you need to build your credit status.

VeriCred Credit Bureau (Pty) LTD was born in 1990 and is the newest registered Credit Bureau in South Africa. After 1994 VeriCred Credit Bureau was incorporated into the New South Africa and continued to operate until the National Credit Act was implemented in 2007. In 2012 VeriCred Credit Bureau was revived and a new Credit Bureau was established.

Kudough has partnered with Vericred to bring your credit information from Vericred, wrapped up with your credit information from other leading credit bureaus and presented to you in the Kudough Credit Report.

We are the leading credit bureau partner in South Africa. With Kudough you can instantly get your XDS Credit Report or compare it side by side with your Experian, Vericred and TransUnion report in an easy to read format, giving you the insight you need to build your credit status.

Xpert Decision Systems (XDS) is a 100% independently black-owned credit bureau in South Africa. XDS delivers innovative, user-friendly information solutions and technologies that can be trusted and tailored to our customer's specific needs.

XDS is a proud Level 1 empowerment contributor in terms of good practice on Broad Based Black Economic Empowerment as rated by Empowerdex. As with all credit bureaus XDS is registered with the National Credit Regulator and subject to the regulations of the act.

Kudough has partnered with XDS to bring your credit information from XDS, wrapped up with your credit information from other leading credit bureaus and presented to you in the Kudough Credit Report.

We are the leading credit bureau partner in South Africa. With Kudough you can instantly get your Experian Credit Report or compare it side by side with your TransUnion, Vericred and XDS report in an easy to read format, giving you the insight you need to build your credit status.

Experian is a global leader in providing information solutions to organisations and consumers. They combine the power of our comprehensive credit history database, scoring expertise and sophisticated software to deliver holistic solutions to the South African credit granting industry.

Experian is a global credit bureau established in 1980 with its headquarters in Dublin and operations in 36 different countries.

As with all credit bureaus Experian is registered with the National Credit Regulator and subject to the regulations of the act.

Kudough has partnered with Experian to bring your credit information from Experian, wrapped up with your credit information from other leading credit bureaus and presented to you in the Kudough Credit Report.

Use Kudough now and let your credit start working for you.