Understanding Credit Bureau Listings

A credit bureau listing means your unpaid debt has been reported to a credit bureau, affecting your score and ability to get credit. Under the National Credit Act, eKasi Pay Credit must send a Section 129 default notice first, giving you 10 business days to resolve matters before any listing. eKasi Pay Credit reports to Experian SA.

Understanding Credit Bureau Listings

A credit bureau listing means your unpaid debt has been reported to a credit bureau. This affects your credit score and your ability to obtain credit.

When does eKasi Pay Credit list you?

Under the National Credit Act, we send a Section 129 default notice first. You have 10 business days to resolve the matter. If no resolution is reached and at least 28 days have passed, your account may be listed.

Listing statuses

• FINAL_NOTICE — Default notice issued, account being listed
• HANDED_OVER — Account handed to debt collection
• BAD_DEBT_WRITTEN_OFF — Debt written off as unrecoverable
• ABSCONDED — Customer could not be located

How long does a listing last?

All listings remain on your credit record for one year from the date of listing.

How to clear a listing

1. Settle your outstanding debt in full
2. Email support@ekasipaycredit.co.za to request a clearance certificate
3. We will update the credit bureau to reflect the debt as settled
4. The listing will be removed or updated to show the account as paid

Prevention is better than cure. Contact us before your account reaches the listing stage.

To recover, read How to Rebuild Your Credit Score, and to prevent listings, see How to Request a Payment Plan.