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1. Credit reports are updated monthly, and are available from any registered credit bureau. You can order one free copy of your credit record per year from any of the registered credit bureaus. To dispute something strange on your credit report, chat to the bureau. An investigation may occur and any incorrect information will be corrected or removed. This can take up to 20 working days. If it is not resolved, call the Credit Ombudsman on 0861 662 2837 or visit www.creditombud.org.za. 2. Sign up with one of the credit bureaus such as TransUnion or Experian to receive your free annual credit report. You can also pay a once-off or monthly fee to receive alerts when there’s any activity on your profile.