What a pre-employment credit check reveals
A candidate's credit behaviour is a strong indicator of financial responsibility which is vital for roles where they'll handle money, sign contracts, or make purchasing decisions on your behalf.
We pull consumer credit profiles from TransUnion, Experian, XDS and Compuscan, and translate them into a plain-English risk summary. You see judgments, admin orders, sequestrations, payment behaviour and any active credit listings.
The National Credit Act restricts credit checks to specific role types — we help you stay on the right side of that line.
What's included
Every report is a clear, dossier-style PDF with supporting evidence and a recommendation.
Consumer credit profile
Full credit history from the SA bureaus, including active accounts and payment behaviour.
Judgments & admin orders
All court judgments, administration orders, and debt review status.
Sequestration & insolvency check
Confirm whether the candidate is currently sequestrated or insolvent.
Plain-English risk summary
A hiring-ready summary you can attach to the personnel file, not a raw bureau report.
Often paired with
Employers running this check usually add one of these.
Frequently asked
Which credit bureaus do you pull from?+
We pull consumer credit profiles from the major South African bureaus — TransUnion, Experian, XDS and Compuscan — depending on the depth required. Reports include ITC status, judgments, admin orders, sequestrations and payment history.
When should I run a credit check on a candidate?+
The National Credit Act limits credit checks to roles that involve trust in respect of financial or cash-handling matters — think finance, cashiers, sales with commission, senior management. Consent is mandatory in every case.
How long does a credit check take?+
Standard credit reports return in under 24 hours. Bulk uploads for volume hiring complete within a business day.
What does a bad credit result mean?+
A negative listing isn't automatic grounds to refuse a hire — you must consider the role and the candidate's circumstances. Our dossier includes a plain-English risk summary so you can make a lawful, defensible decision.
Ready to run this check?
Send us your details and a vetting expert replies within one business day with pricing and next steps.