16/06/2026
Disputing items on your credit record requires documentation. Walking in empty-handed slows the process and weakens your case.
Before you pick up the phone or lodge an online dispute, make sure you've got these four documents ready. They make the difference between a dispute that drags on for months and one that gets resolved.
• YOUR ID
A certified copy of your ID is required for every credit bureau dispute.
• PROOF OF PAYMENT
Bank statements or receipts confirming settlement of disputed debts.
• CLEARANCE CERTIFICATE
If you exited debt review, the Form 19 proves your clearance status.
• CREDIT REPORTS
Pull reports from all four bureau. You need the full picture.