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, VCCB 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.