Accountability gives you online access to the TransUnion Credit Bureau that currently has more than 22 million consumers and more than 1.7 million businesses on their database. We are all on the credit bureau, the good and the bad. In addition, we also provide online access to the Experian credit bureau for individuals and a combined report of these two credit reports for individuals only.  As the expression goes: To be forewarned is to be fore-armed. Know who you are doing business with.

Should a new customer require a R75,000.00 credit facility, spend the R156.00 (excl. VAT) to prevent doing business with a bad payer. Doing business with a bad payer is not only, not doing business, it is cash flow debilitating. We all know that 'cash flow is king'.

No one likes to turn away business, but the seasoned businessmen have learnt to do so. Especially new and desperate business owners will take potential business from anywhere and therein lies the danger. In the pre-2010 business climate we have to practice due-diligence risk management like never before.

As you may be aware, if a bad payer ends up in court and they can prove that they never had the means to repay the debt in the first place and if the court determines that you never investigated if they were able to repay the debt, you will probably be charged with 'reckless lending', the terms used in the National Credit Act.  In such a case the bad payer will not have to repay a cent of their bad debt. Make sure that new creditors have a clear credit history at the time when you grant them credit.

A viable way of doing business with an entity with a bad credit history is to say something like 'According to your profile you are a cash customer' or 'we haven't done business before so I can only offer you R25,000 credit' and then, watch them like a hawk.

We have simplified our credit report to make it a one click process. We say that we have taken the think out of the process. So with our one-mouse-click search the report gives you the most important information from the TransUnion credit bureau. Use the menu button at the top (Examples and FAQ) to navigate to see the contents of a credit report for an individual and for a business.

R156.00 (excl. VAT) is a small price to prevent tens of thousands of rands of bad debt from a company and R30.60 (excl. VAT) is a small price to find out that you are dealing with a crook or with a person who has had some cashflow problems.

If you need to prevent reckless lending and you need to practice good risk management you can >>register now<<.