With your CTOS User ID, you can get a copy of your CTOS credit report online. It allows you to access your credit report anywhere, anytime, as long as you have an internet connection.

Once you have your CTOS User ID, we can notify you of any new information in your CTOS credit report. So, you can keep yourself up to date on any changes to your credit report and you can address them immediately - and guard yourself against identity fraud.

The Credit Reporting Agencies Act 2010, requires credit reporting agencies like CTOS to get your consent before it can release your credit report to its subscribers. With your CTOS User ID, you specify who can see your CTOS report - with just an SMS via your phone.

Credit providers need your CTOS credit report when they process your application. The faster they get your report, the faster your loan gets processed. So, to ensure your loan application is not unnecessarily delayed or unprocessed, your CTOS User ID provides you a quick and easy way to give your consent.

Need help with your credit report? Communicate directly with CTOS using your User ID. As we already know who you are, we will attend to your needs faster.