Credit Checks | TransUnion (ITC), Experian and XDS

Identity theft is when your personal information is stolen and used to commit fraud. Identity thieves can use your name, address, birthday, identity number, bank account details and numbers and credit reports to commit all types of crimes. Identity thieves can use your identity number to apply for employment to obtain a drivers license, to open an account or even to get a loan from the bank. If your personal information is used, you will then be held liable for any monies owed and the debts can be recorded on the credit bureau register therefore affecting you personal credit rating. This means that you may not be able to get financing for that new vehicle that you want or your dream home.

Use the Kudough the Credit Power ID Manager monthly to help you evaluate your identity theft risk level
As a Kudough subscriber you have Identity Theft Insurance cover to protect you against the financial impacts of identity theft
Keep your personal documents in a safe place, preferably in a lockable drawer or cabinet at home
Consider storing valuable financial documents such as share certificates with your bank
Only share your personal information with secure web environments
Destroy all personal documents not stored securely
If your passport or driving license has been lost or stolen contact the issuing organisation immediately
Don't throw away entire bills, receipts, credit-or debit-card slips, bank statements or even unwanted post in your name
Destroy unwanted documents, preferably by using a shredder
Check statements as soon as they arrive if any unfamiliar transactions are listed, contact the company concerned immediately

As a Kudough subscriber you have access to our 24 hour legal support line manned by qualified and admitted attorneys. It offers preventative and remedial measures when identity fraud, loss or theft is experienced. When identity loss or theft is experienced, we primarily assist you to prevent any identity information or document from being used illegally. The support line puts you in touch with relevant institutions or companies to block or stop cards or contracts. In addition, it facilitates replacement of ID and related documentation such as drivers’ licenses etc. The attorney will further assist you to lodge an insurance claim.

Improving your Credit Status or maintaining a good status is imperative. Your Kudough Journey is a virtual representation of your monthly progress (Kudough Status). Your credit worthiness may improve or get worse over time depending on your credit activities and if you have kept up to date with your account payments. This will give you an indication on how you are doing since your last Kudough Status Report