• Customer
    Blacklisting is a myth!
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    No one is automatically excluded from credit.
    You can improve your credit score through good credit behaviour.
    Find out more about your credit report.

    Click Here
  • Members
    An agile, cost-effective industry body
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    The CBA is a voluntary body that promotes fair and equitable services within the credit bureau industry.
    It represents 14 of the registered credit bureaus, and engages with government, consumers
    and other industry bodies. Together, the individual bureaus and the CBA work to educate
    credit consumers on the importance of knowing and managing their credit profiles.

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Welcome to

CBA

The Credit Bureau Association (CBA) is a voluntary body that promotes fair and equitable services.

It ensures the confidentiality, accuracy, relevancy, and utilisation of data in accordance with international best practice and relevant legislation.

The Credit Bureau Association (CBA) is committed to promoting equity, social justice and growth within the credit market by ensuring that credit information is reliable and accurate at all times.

Industry

The CBA is a voluntary industry body, representing 9 of the 14 registered credit bureaus within South Africa. This includes Compuscan, Consumer Profile Bureau (CPB), Cred-IT Data Risk Management Solutions, Experian, Inoxico, Lexis Nexis Risk Management Services, Tenant Profile Network (TPN), TransUnion and Xpert Decision Systems (XDS). We operate within the industry as regulated by the National Credit Regulator, in accordance with the National Credit Act and related law.

For members

The CBA’s mandate is to provide a framework for a sustainable and well-functioning credit information system by facilitating fair practice within the credit bureau industry and by promoting transparency, accountability, high-quality credit reporting and sound business practices.

For more on the structure and benefits of membership, click here.

For consumers

The CBA is not a credit bureau. It is an industry body and our members are credit bureaus. These are companies that store and maintain information on consumer credit history. Each credit-active consumer will have a profile with a bureau, and credit providers use this information to assess credit applications.

If you would like to know more about your credit profile, click here.

CBA FACTS

According to recent Credit Bureau Monitor & Consumer Credit Market reports, South Africa has...

Credit-Active
Consumers

23.74 million

Consumers in
good standing

13.87 million

Consumers with
impaired records

9.87 million

Accounts recorded at
registered credit bureaus

83.55 million

Membership Detail

Full
Member

A full member is any business entity that hosts a database of consumer credit information as defined by section 70(1) of the NCA, which includes the hosting of South African Credit and Risk Reporting Association (SACCRA) and National Loans Register (NLR) data as a member of SACCRA, for purposes of on-selling of credit information for risk related purposes

Intermediate
Member

An intermediate member is any business entity that hosts a database of consumer credit information as defined by section 70(1) of the NCA, which includes the hosting of SACCRA and NLR data, for purposes of the on-selling of credit information for risk related purposes.

Associate
Member

An associate member is any business entity that accesses a database of consumer credit information as defined by section 70(1) of the NCA owned by another for on- selling of credit information for risk related purposes.

Affiliate
Member

An affiliate member has an interest in the credit information industry but is not engaged in the on-selling of credit information for risk related purposes

Membership Benefits

 


The CBA seeks to support a sustainable and well-functioning credit reporting system and to represent the interests of the credit bureau industry in South Africa. As a member you will enjoy a number of benefits:

  • Members adhere to a strict code of conduct, which exceeds the requirements of the National Credit Act.
  • Members adhere to policy directives implemented to improve the quality of data, ensure the integrity and applicability of the data and promote fair treatment of the consumer.
  • Members adhere to credit reporting international best practice.
  • CBA members are represented by the CBA at government level, on the Credit Ombud council and at other industry bodies.
  • The CBA offers advice and guidance with respect to legal compliance matters.
  • External parties are assured that when dealing with CBA members they are dealing with organisations that have integrity, ensure confidentiality and embody professionalism.
  • Members receive access to a secure ‘Members only’ section of the website which contains further information and documentation to support your business operations.
  • Receive up-to-date information on key developments affecting the industry through our regular email communications.

For more information about our members, the benefits of membership, or to apply for membership. click here.

 

Contact the CBA

Contact Form

ADDRESS:

St Georges Building
The Oval Office Park
1 Meadowbrook Lane
(Corner Sloane Street)
Bryanston, 2191
South Africa

 

CONTACT:

Phone: +27 11 463 8218
Fax: 086 271 7741
Email: enquiries@cba.co.za
Media: prcomms@cba.co.za
LinkedIn: View Profile

 

POSTAL:

P. O. Box 2146
Pinegowrie
2123
South Africa

 

Office Hours

Monday - Friday: 09h00 to 16h30