# Octagon Business Solutions

## About

Home | Octagon Business Solutions | Creating Confidence in Credit Decisions

- Verified: Yes

## Services

### Credit Reporting Services
- [Business Credit Reports](https://bilarna.com/services/credit-reporting-services/business-credit-reports)

## Pricing

- Model: custom

## Frequently Asked Questions

**Q: How do I contact the major credit bureaus in South Africa for a dispute?**
A: To contact the major credit bureaus in South Africa for a dispute, you can reach them directly via their dedicated phone numbers and email addresses. TransUnion South Africa handles dispute enquiries at 0861 482 482 or via email at webadmin@transunion.co.za. XDS (formerly Compuscan) can be contacted at 011 645 9100 or info@xds.co.za for assistance with credit report inaccuracies. Experian South Africa provides support for disputes at 0861 105 665 or through email at EZ.customer@experian.co.za. It is advisable to have your ID number and relevant account details ready when you call. For a formal dispute process, you may need to submit supporting documentation, and each bureau typically investigates and resolves disputes within 20 business days as mandated by South African credit laws.

**Q: What services do major credit bureaus in South Africa provide?**
A: Major credit bureaus in South Africa provide comprehensive financial data services centered on credit reporting and risk management. Their core service is compiling and maintaining individual credit reports, which detail a person's credit history, payment behavior, and outstanding debts. These bureaus calculate credit scores, providing lenders with a standardized risk assessment metric. They offer identity verification services to help prevent fraud for businesses. Furthermore, they provide dispute resolution mechanisms, allowing consumers to query and correct inaccuracies on their credit profiles. For businesses, they supply credit monitoring, portfolio risk analysis, and industry benchmarking data. They also offer educational resources to help consumers understand and improve their credit health. These services are regulated by the National Credit Regulator and the Protection of Personal Information Act.

**Q: What is the difference between TransUnion, Experian, and XDS credit bureaus?**
A: TransUnion, Experian, and XDS are the three major credit bureaus in South Africa, each with distinct historical backgrounds and areas of data specialization. TransUnion is a global bureau with a strong presence in South Africa, known for its comprehensive consumer and commercial credit data. Experian is also a global leader, renowned for its advanced analytics, credit scoring models, and fraud prevention solutions. XDS, formerly known as Compuscan, is a South African-origin bureau that has traditionally had a strong focus on the micro-lending and alternative financial services sector. While all three collect similar core credit information, their proprietary scoring algorithms, additional data sources, and value-added services like trended data or income estimation may differ. Consumers are advised to obtain reports from all three, as lenders may use different bureaus, leading to potential variations in the reported information and score.

## Links

- Profile: https://bilarna.com/provider/octagon
- Structured data: https://bilarna.com/provider/octagon/agent.json
- API schema: https://bilarna.com/provider/octagon/openapi.yaml