Consumer Credit Report

Atrium on 5th, Sandton City,

Sandton, Johannesburg, 2196
Tel No: +27 11 645 9100
Website: www.xds.co.za
Email: [email protected]

Enquiry Input Details

This section includes the user's search input details.

Enquiry Date 2024/11/28 15:44:09

Enquiry Type Consumer Credit Enquiry
Subscriber Name MAXGROUP (PTY)
Subscriber User Name Andre Tait
Enquiry Input 9105270496084 | MJELE
Enquiry Reason Credit Assesment

Personal Details Summary

This section displays the Personal information for the consumer. Included here is ID or Passport, Name, Gender, Marital Status,
Current Contact, Address, and Employment Info.

Reference No. C967640637-129198517 External Reference No. Credit Assesment

ID No. 9105270496084 Passport or 2nd ID No.
22 ANDREWS MAPHETO DRIVE TEMBISA
Surname MJELE Residential Address
KEMPTON PARK 1632
First Name KELETSO Postal Address 22 MPHO SECTION TEMBISA 1632
Second Name INNOCENTIA Telephone No. (H) 0844869245
Title Miss Telephone No. (W) 0114938449
Gender Female Cellular/Mobile 0735116277
Date of Birth 1991/05/27 E-mail Address
Marital Status Single Current Employer TVL ELECTRIC MOTOR

Potential Fraud Indicators

This section displays information verified by Home Affairs.

ID No. Verified Status At Home Affairs Yes

ID No. Deceased Status At Home Affairs No
ID No. Found on Fraud Database Access disabled to view this information

XDS Presage Score

The XDS Presage score is a generic bureau scorecard which indicates the credit risk associated with a consumer by taking into consideration
the consumer’s historical credit profile and repayment behaviour. The higher the score, the lower the associated risk of future payment
delinquency or default.

Unique Identifier Score Date Final Score Exception Code Risk Category
129198517 2024/11/28 0 DEBT REVIEW LISTED AGAINST CONSUMER Potential High Risk

* Nothing on Record
XDS NLR Score
The XDS NLR score is a generic bureau scorecard which indicates the credit risk associated with a consumer by taking into consideration the
consumer’s historical credit profile and repayment behaviour. The higher the score, the lower the associated risk of future payment
delinquency or default.

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Debt Summary
This section displays a summary of all the consumer’s current debt obligations, legal enforcement action taken, Court Notices, enquiries done
on this consumer by credit providers and debt counselling information.

Description NLR CPA Total

Total No. of Active Accounts 0 5 5
Total No. of Accounts in Good Standing 0 4 4
Total No. of Accounts In Arrears 0 1 1
Total No. of Paid Up or Closed Accounts (last 24 months) 2 9 11

Total Monthly Instalments R0 R 13 539 R 13 539

Total Outstanding Debt R0 R 229 853 R 229 853
Total Arrear Amount R0 R 8 350 R 8 350
Highest Months in Arrears (Last 24 Months) 0 9
Total Adverse Amount (Write offs/Repossessions) R0 R 9 091 R 9 091
Total Enquiries Done in the last 90 days by Subscriber 0 0 0
Total Enquiries Done in the last 90 days by Other Subscribers 0 0 0
Total No. of Accounts opened within the last 45 days 0 0 0

Description Total Amount Most Recent Date

Public Domain - Adverse / Defaults 1 R 9 091 2024/05/30
XDS Default listing 0 R0
Judgements 0 R0
Court Notices (Admin Orders/Sequestrations/Rehabilitation Orders) 0 R0
Enquiries (last 24 months) 0 -
Current Property Interests 0 R0
Total No of Principal Links (CIPC) 2
Debt Review Status Consumer is under Debt Review
Dispute Information

Payment Profile: Credit Account Status

This section includes 24 month payment behaviour of all credit agreements as reported by the Credit Grantors belonging to Credit Providers
Association (CPA).

Open Type Current

Date Account Current Instalment Arrears Last Paid
Company Account No. Balance / of Status of
Opened Balance Amount Amount Date
Credit Limit Account Account
Absa Insurance
2024/01/31 6542442716 R0 R 1 321 R 1 321 R0 S Active 2024/02/01
Company

2022/05/26 Absa Vehicle Finance 96829871 R 250 939 R 220 182 R 3 868 R0 Y Active 2024/10/30

2023/05/02 Finchoice Africa 13694284 R 9 230 R0 R0 R0 Z Paid Up 2023/07/28

0010010001040
2015/01/24 Foschini R 11 880 R0 R0 R0 R Paid Up 2024/07/26
454493

5898461133206
2022/07/11 Nedbank Credit Card R 7 000 R 8 350 R 8 350 R 8 350 C In Arrears 2024/10/04
423

2023/05/04 Finchoice Africa 13728371 R 37 800 R0 R0 R0 P Closed 2024/07/24

2023/03/22 Finchoice Africa 13330098 R 8 520 R0 R0 R0 Z Closed 2023/04/28

2023/03/02 Finchoice Africa 13183866 R 23 845 R0 R0 R0 P Closed 2023/04/28

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2022/12/02 Finchoice Africa 12480285 R 19 031 R0 R0 R0 P Closed 2023/02/28

2022/10/19 Finchoice Africa 12124714 R 12 046 R0 R0 R0 P Closed 2022/11/30

2022/10/01 Finchoice Africa 11997070 R 6 400 R0 R0 R0 Z Closed 2023/01/27

OT77486393OU
2022/05/26 Outsurance R0 R0 R0 R0 S Closed 2023/08/01
M

B B - Building Loan
C C - Credit Card
D D - Debt Recovery
E E - Single Credit Facility
F F - Open Services
G G - Garage Card
H H - Home Loans
I I - Installment Account
L L - Life Insurance
M M - One Month Personal Loan
P P - Personal Cash Loans
R R - Revolving Credit
S S - Short Term Insurance
T T - Student Loan
U U - Utility
V V - Overdraft
W W - Rentals Asset
X X - Rentals Property
Y Y - Vehicle Asset Finance
Z Z - Revolving -Non Store Card

Monthly Payment Behaviour as at 28/11/2024

NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC
Company 2024 2024 2024 2024 2024 2024 2024 2024 2024 2024 2024 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2022

Absa Insurance Company # # 0 0 0 0 0 0 0 0 0 # # # # # # # # # # # # #

Absa Vehicle Finance # 0 0 9 9 9 9 9 9 8 7 6 5 4 3 2 1 0 0 0 0 0 0 0
Finchoice Africa # # # # # # # P # # # # # # # P 0 0 0 # # # # #
Foschini * * * P 0 0 0 0 0 0 0 0 1 0 1 1 0 0 0 0 0 0 0 1
Nedbank Credit Card # 9 9 9 9 W 9 L 7 6 5 4 3 2 1 0 0 0 1 0 0 0 0 0
Finchoice Africa # # # C 7 7 7 6 6 6 5 5 4 3 2 1 1 1 0 # # # # #
Finchoice Africa # # # # # # # # # # # # # # # # # # C 0 # # # #
Finchoice Africa # # # # # # # # # # # # # # # # # # C 0 0 # # #
Finchoice Africa # # # # # # # # # # # # # # # # # # # # C 0 0 0
Finchoice Africa # # # # # # # # # # # # # # # # # # # # # # # C
Finchoice Africa # # # # # # # # # # # # # # # # # # # C # P 0 0
Outsurance # # # # # # # # # # # # # # # * H 0 0 0 0 0 0 0

Definitions Indicators
No data found #
Repeat of previous month's Status Code *
Not in arrears 0
No of months in arrears 1-9
Closed C
Cancelled By Supplier H
Handed Over L
Paid Up P

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Bad Debt Written Off W

Payment Profile: National Loans Register – NLR

This section includes 24 month payment behaviour of all credit agreements as reported by Micro Lenders as part of the National Loans
Register (NLR).

Current
Date Account Loan Current Installment Arrears Type of Last Paid
Company Account No. Status of
Opened Amount Balance Amount Amount Account Date
Account
2023/04/15 FNB Temp Loans TLN01030876388 R 2 207 R0 R0 R0 M Closed 2023/04/29

2023/03/13 FNB Temp Loans TLN01030876388 R 2 253 R0 R0 R0 M Closed 2023/03/31

1 1 - Payday/Short term loan

2 2 - Non Payroll deducted Term loan
3 3 - Payroll deducted Term loan
4 4 - Re advancement loan
J J -Unsecured Revolving Loan
K K - Unsecured Term Loan
M M - One Month Personal Loan
N N - Pension Backed Lending
O O - Open Account
P P - Personal Loans

Monthly Payment Behaviour as at 28/11/2024

NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC
Company 2024 2024 2024 2024 2024 2024 2024 2024 2024 2024 2024 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2022

FNB Temp Loans # # # # # # # # # # # # # # # # # # # C # # # #

FNB Temp Loans # # # # # # # # # # # # # # # # # # # # C # # #

Definitions Indicators
No data found #
Repeat of previous month's Status Code *
Not in arrears 0
No of months in arrears 1-9
Closed C
Paid Up P

Public Domain Records

This section displays all details of Court Notices, Judgements, Legal enforcement action taken by credit providers and debt review status.

Adverse/Defaults

Subscriber Account No. Action date Amount Account Status Comment

W - Bad Debt
Nedbank Credit Card 5898461133206423 2024/05/30 R 9 091
Written Off

XDS Default Listing * Nothing on Record

Judgements * Nothing on Record

Court Notice's - This section contains Admin Orders, Provisional Sequestration, Sequestration and Rehabilitation Orders.

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Administration Orders * Nothing on Record

Sequestrations and Provisional Sequestrations * Nothing on Record

Rehabilitation Orders * Nothing on Record

Debt Review Status

Debt Review date 2024/07/15
Debt Counsellor Name Chantal Mans
Debt Counsellor Contact No. '021-001-5395
Debt Review Status Consumer is under Debt Review

* Nothing on Record
XDS Payment Notifications
This section displays default payment alerts loaded for early and late stage collections for non performing accounts.

Consumer Information

This section supplies a list of current and previous addresses, contact and employment data.

Address History
Bureau Postal
Type Line1 Line2 Line 3 Line 4
Update Code

2022/09/16 Residential 22 ANDREWS MAPHETO DRIVE TEMBISA KEMPTON PARK 1632

2022/07/29 Residential 22 MPHO SECTION MPHO TEMBISA GAUTENG 001632
2021/09/12 Residential 22 MPHO TEMBISA EXT 4 TEMBISA 1632
2024/01/17 Postal 22 MPHO SECTION TEMBISA 1632
2022/09/16 Postal 22 ANDREWS MAPHETO DRIVE TEMBISA KEMPTON PARK 1632

Contact No. History

Bureau Update Type Telephone No
2022/09/16 Home 0844869245
2022/09/16 Work 0114938449
2022/07/31 Work 0879710000
2019/10/23 Work 0114938449
2015/02/21 Work 0118005506

Email Address History * Nothing on Record

Employment History
Bureau Update Employer Designation
2022/09/16 TVL ELECTRIC MOTOR
2022/07/06 TVE ADM
2019/11/03 TVC
2014/04/26 ESKOM

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Credit Enquiry History
This section includes a list of organisations or credit providers who have requested a Credit Report on this consumer.
Type/Category of
Enquiry Date Requested By Contact Number Enquiry Reason
Credit Grantor
2024/07/04 Hirodox (Pty) Ltd T/A i-Bureau Services Other 010500 1060 Credit assessment
2023/12/01 Finance 27 Personal Finance 0127435800 Credit assessment

* Nothing on Record
Property Interests
This section displays a list of properties registered in the name of the consumer at the Deeds offices around SA.

Principal Links
This section displays a list of companies where the consumer is linked as a principal.

Principal Link 1
Current Post Date of Inception 2023/07/31
Company Name KELETSA-KUTLWANO MM Company Reg No. K2023/904667/07
22 MPHO SECTION TEMBISA,
Company Address JOHANNESBURG, Company Phone No.
JOHANNESBURG, GAUTENG, 1632
Industry category Unknown Data Principal Status Active
Principal Link 2
Current Post Date of Inception 2021/05/20
Company Name LUDGARIES Company Reg No. K2021/603530/07
9001 MARGRET ZUMA STREET
Company Address TEMBISA, WINNIE MANDELA, Company Phone No.
JOHANNESBURG, GAUTENG, 1632
Industry category Unknown Data Principal Status Active

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