Kudough Once Off Status Report. Credit Power Dashboard Overview. Page 1 / 10. Report created 10 April :07. Information Date 10 April

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1 Page 1 / 10 Kudough Once Off Status Report Report created 10 April :07 Information Date 10 April Your Full Name Joe Soap ID Number The Kudough Status Report is your guide on your journey to powerful credit; it combines your information held at the three major credit bureaus in South Africa:, and XDS. The Kudough Status Report highlights your personal financial behaviours that impact your Credit Power in an easy-to-read format with tips and tools to improve your profile Status. Why not become a subscriber and get access to all the website tools to help build your credit power. For only R59.00 per month you also get R worth of Instalment Cover. If you have requested to be placed under debt review with a registered debt counsellor or have been forced by a court. In terms of section 88(1) of the National credit Act you may not apply for credit if you have applied for, or have been placed under debt review. UNDER REVIEW 2009/10/28 Debt Counsellor DOR Order for Debt Review UNDER REVIEW 2009/10/28 Debt Counsellor UNDER REVIEW 2009/10/28 Debt Counsellor Credit Power Dashboard Overview Credit Power Balance A Very Low Credit Power Balance is outstanding, you manage your debt and expenses like a pro. You'd be an inspiration to others. Credit Power Score does not provide a score currently Your score at is 592. Which is considered below average, you are 3% below the SA Population Your score at XDS is 702. Which is considered average, you are 0% below the SA Population Credit Power Activity You have a good number of accounts from which a credit status can be determined You have accounts overdue which are impacting your Status. You current have a total debt of R 26,063 according to credit providers You have 1 judgement, impacting your Status negatively. You have 9 defaults, impacting your Status negatively. You have 1 notice, impacting your Status negatively. You have had a low number of enquiries on your credit profile this past year which has a positive impact on your score and Kudough Status. Credit Power Identity Your risk is considered fairly high you may not have completed the risk evaluation properly or consider the tips under Credit Power ID.

2 Page 2 / 10 Personal Information Information XDS Bureau reference Cg Date 2010/09/ /09/09 Date of birth 1960/02/ Gender Female Female ID Number Maritial Status , Other Id Number Single Names(s) Joe Joe Joe No. Of dependants 02 Remarks Spouse name Adam No Flag Surname Soap Soap Soap Title Ms Ms Trace Alerts / Collections Address History Information source Date Type Addresses on file Residential 1 Test Avenue, Johannesburg, 2195, XDS Residential 1 Test Avenue, Johannesburg, 2195, Residential 1 Test Avenue, Johannesburg, 2195, Telephone History Information source Date Type Telephone on file Work Home Cellular XDS Home XDS Work XDS Cellular Work Home Cellular Other Reported Names Information source Date Other reported names Commerce,Eve,Carol Eva,Commerce Commerce,Ev Employment History

3 Page 3 / 10 Information source Date Employer Designation Wesbank Dept Of Agriculture My House Investor XDS Skilland Switcher - Shunter Unknown My House

4 Page 4 / 10 Credit Power Score does not provide a score currently Your score at is 592. Which is considered below average, you are 3% below the SA Population Your score at XDS is 702. Which is considered average, you are 0% below the SA Population Credit Power Activity You have a good number of accounts from which a credit status can be determined You have accounts overdue which are impacting your Status. Paying Accounts in full and on time will improve your Score and Status You current have a total debt of R 26,063 according to credit providers You have 1 judgement, impacting your score, try having the judgement recinded to improve your Status. You have 9 defaults, impacting your score, removal of the 9 defaults will help improve your Status. You have 1 notice, impacting your Status negatively. You have had a low number of enquiries on your credit profile this past year which has a positive impact on your score and Kudough Status. Account Summary Account Supplier Date Type Opening balance Installment Current balance Overdue months Status Demo Creditor Three 06/05/1995 Revolving 8, ,000 0 Open / Current Demo Creditor Five 10/10/2004 Installment 90, Closed / Completed Demo Creditor Two 14/12/2005 Micro Loan 2, ,895 9 Open / Current Demo Creditor Four 13/11/2006 Demo Creditor Six 27/09/2007 Open Account Without Credit Li Open Account Without Credit Li 0 1,770 1,770 0 Open / Current Closed / Completed Demo Creditor One 11/07/2008 Installment 7, ,398 0 Written Off Account Details Payment recieved Written off No data supplied 9 months in arrears Account closed Frozen Suspended Demo Creditor One XDS Opened 2008/07/ /07/ /07/11 Subscriber Demo Creditor One Demo Creditor One Demo Creditor One

5 Page 5 / 10 Opening balance Current balance Installment Arrears Account type Installment Installment Installment Overdue Status Written Off Written Off Written Off XDS Demo Creditor Two XDS Opened 2005/12/ /12/14 Subscriber Demo Creditor Two Demo Creditor Two Opening balance Current balance Installment Arrears Open Or Current Account type Micro Loan Micro Loan Overdue 9 9 Status Open / Current Open / Current Demo Creditor Three XDS Opened 1995/05/ /05/ /05/06 Subscriber Demo Creditor Three Demo Creditor Three Demo Creditor Three Opening balance 8,000 8,000 8,000 Current balance 6,000 6,000 6,000

6 Page 6 / 10 Installment Arrears Open Or Current Account type Revolving Revolving Revolving Overdue Status Open / Current Open / Current Open / Current XDS Demo Creditor Four XDS Opened 2006/11/ /11/ /11/13 Subscriber Demo Creditor Four Demo Creditor Four Demo Creditor Four Opening balance Current balance 1,770 1,502 1,770 Installment 1,770 1,502 1,770 Arrears Open Or Current Account type Open Account Without Credit Li Service Related Without Limit Overdue Status Open / Current Open / Current Open / Current XDS Demo Creditor Five XDS Opened 2004/10/ /10/ /10/10 Subscriber Demo Creditor Five Demo Creditor Five Demo Creditor Five Opening balance 90,000 90,000 90,000 Current balance 0 0 0

7 Page 7 / 10 Installment Arrears Account Closed Account type Installment Installment Installment Overdue Status Closed / Completed Closed / Completed Closed / Completed XDS Demo Creditor Six XDS Opened 2007/09/ /09/27 Subscriber Demo Creditor Six Demo Creditor Six Opening balance 0 0 Current balance 0 0 Installment 0 0 Arrears 0 0 Account Closed Account type Open Account Without Credit Li Service Related Without Limit Overdue 0 0 Status Closed / Completed Closed / Completed Credit Power Activity Negative Information You have 1 judgement, impacting your score, try having the judgement recinded to improve your Status. If you can prove that when the judgment was granted against you, you were not intentionally in contempt of court or absent from the court and that you

8 Page 8 / 10 had a legitimate defense against the action instituted against you, you are entitled to apply for a removal of the judgment You are entitled to apply for a removal of the judgment if you have paid the plaintiff in full and the plaintiff consents to the removal this is called an uncontested rescission of Judgment. You and the plaintiff can agree to abandon the judgment. Notice of the abandonment may be filed in the court record, but this will not have the effect of deleting the judgment from the Credit bureaus database Judgments are deleted from credit bureau records automatically after the lapse of five years Our team of attorneys can assist you in evaluating the judgment in question and even help you lodge a request for rescission. Call the call centre to find out how we can help you. Judgements You have 9 defaults, impacting your score, removal of the 9 defaults will help improve your Status. Most defaults are loaded by members of the Credit Providers Association who state that defaults should remain on your credit report for the period determined in the National Credit Act. If you do not make arrangements with the credit provider prior to settling the outstanding debt, don't bet on the default being removed. Those credit providers who are not members of the CPA tend to be more flexible with the removal of defaults. You have 1 notice, impacting your Status negatively. Even once rehabilitated or rescinded, depending on the type of notice, it may reflect on your credit record for up to ten years after the order was recinded,. A judgment will remain on your report for 5 years. You can apply for recision of judgment. Older items and smaller amounts are concidered less serious, however you may still not enjoy access to credit. More recent and larger amounts are concidered more serious and has a bigger influence on your overall score. Ensure that reflected judgements are indeed yours. Information 1 Case number 555 /09 Number recorded at 1 Amount 10, Attorney Bloemberg Attorney contacts Court Magisterial Pietermaritzburg Date 2009/09/30 Plaintiff Demo 1 Reason Money Lent Type Judgments Defaults Remains on your report for 2 years with enforcement action. (NCA Regulations sections 19.4(b)) A Default without enforcement action will remain on your report for 1 year. (NCA Regulations sections 19.4(a)) A credit grantor would have had to give you 20 working days' notice before loading this information. Information Number recorded at 9 Amount , Comments Law Deed Company - Law Deed Support - (086) Marisit Development Accretio Technology Elmar Els Default date 2010/04/ /07/ /06/ /04/ /01/19 Status Bdwo Bad Debt Written Off Absc Absconded F/N Final Notice H/O Handed Over Bdwo Bad Debt Written Off Subscriber Demo 1 Demo 2 Demo3 Demo 4 Demo 5

9 Page 9 / 10 Type Bad Debt Written Off Absconded Final Notice Handed Over Bad Debt Written Off Information continued CD00TEST LD Amount , , Comments MARISIT DEVELOPMENT - - TEST TRANSACTION BY HEAD OFFICE IDEED TEST COMPANY - IDEED MANAGEMENT LexisNexis Risk Management Deedsearch Yo Default date 2009/11/ /11/ /10/ /07/27 Status F/N Final Notice H/O Handed Over BDWO Bad Debt Written Off Subscriber DEMO 6 DEMO 7 DEMO 8 DEMO 9 BDWO Bad Debt Written Off Type Final Notice Handed Over Bad Debt Written Off Bad Debt Written Off Notices An Aministration Orders will appear on your report the earlier of 10 years or until the order is rescinded by a court Sequestrations will appear on your report the earlier of 10 years or until a rehabilitation order is granted. Liquidations will appear on your report for an unlimited period. A Rehabilitation Order will appear on your report for a period of 5 years. Other information except Administration orders, Sequestrations, Liquidations and Rehabilitation Orders, will appear on your report for a period of 2 years. Information 1 Case number Number recorded at 1 Amount 90,930 Attorney Carol 0141 Kruis St,,,Joh Attorney contacts Court Commerce Date 3683/54/02 Plaintiff Sasa Homeloans Reason - Seqfinal Sequestration Type - Seqfinal Sequestration Credit Power Activity Enquiry History A large number of enquiries,greater than six per bureau in a year could be an indication of being a high credit risk An enquiry will be displayed for a period of two years. Information source Date Subscriber Contact / Business 28/08/2011 Demo Kudough XDS 21/08/2011 Demo Kudough /08/2011 Demo Kudough

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