| Setting a limit in respect of the supply of goods, services, or utilities* | Setting a limit in respect of the supply of goods, services, or utilities provided that the consent of the consumer has been obtained prior to the report being requested; includes property rentals/leasing. |
| Affordability assessment by a Credit Provider | In terms of Regulation 23A of the NCA, no Credit Provider may grant credit to a consumer before performing an affordability assessment. This assessment is mandatory prior to granting credit to the consumer. |
| Financial means assessment* | This is also known as “financial wellness assessment”, which is used by companies assisting consumers to understand their financial status by working through their credit reports with them. These companies request the consumer’s credit report on the consumer’s behalf and instruction, requiring the consumer’s consent. |
| Tracing by Credit Provider or Agent | Tracing includes the following reasons:
• Tracing by a Credit Provider/Agent
• Fraud, Corruption or Theft Investigation
• Fraud Detection and Fraud Prevention
• Unclaimed funds distribution |
| Fraud, Corruption, or Theft Investigation | An investigation into fraud, corruption, or theft, provided that the South African Police Service or any other statutory enforcement agency conducts such an investigation. |
| Fraud Detection and Fraud Prevention | Fraud detection and fraud prevention services. |
| Employment Educational Check* | Considering a candidate for employment in a position that requires trust and honesty and entails the handling of cash or finances, provided that the consent of the consumer has been obtained. |
| Debt Counselling | For use by registered Debt Counsellors to determine the Credit Bureau status of a consumer. |
| Insurance Application* | Assessing an application for insurance, provided that the consent of the consumer has been obtained. |
| Unclaimed Funds Distribution | Obtaining consumer information to distribute unclaimed funds, including pension funds and insurance claims. |
| Pre-screening by Credit Providers* | Allows for Credit Providers to pre-screen their consumers for marketing purposes. |
| Credit Risk Management | For credit providers for assessing existing customers. |
| Credit Limit Management | For assessing an existing customer for the purpose of increasing or decreasing a credit limit with consent. |
| *Consent Required | |
