Part 2In this episode Senzo Lubisi, Head of Collections and ECM Strategy at Old Mutual, explains how credit providers use credit bureau information to assess payment profile history, recent credit inquiries, fraud information, and affordability. This information is used in conjunction with internal data and bank statements to determine a customer's creditworthiness and ability to repay before approving credit applications. Senior Decision Analyst Consultant at Experian, Vusi January, addresses concerns about data privacy and security, stating that Experian prioritises data protection through employee training, secure data transfers, encryption, and regular testing for potential vulnerabilities.

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