Xpert Decision Systems

XDS is a registered credit bureau in South Africa which Mobiloan has integrated with for purposes of obtaining consumer data and financial information.

Credit Report Formats

Currently Xpert Decision Systems offers credit reports in HTML and PDF format.

30KB

XDS Credit Check - HTML Standard Format.html

Example of html format

405KB

XDS Credit Check - PDF Standard Format.pdf

pdf

Example of pdf report

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Account Status Legend

Accounts with a specific legend are usually displayed in the Account History section of the credit report. The table below explains what each account status represents.

Code	Description	Meaning / Usage Example
B	Building Loan	Loan for property construction or renovations.
C	Credit Card	Standard bank-issued revolving credit facility.
D	Debt Recovery	Accounts related to collections / recovery.
E	Single Credit Facility	Consolidated credit line covering multiple needs.
F	Open Services	Flexible accounts tied to service usage.
G	Garage Card	Fuel or garage card facility.
H	Home Loans	Mortgage / housing finance.
I	Installment Account	Fixed-term repayment agreements.
L	Life Insurance	Insurance premium accounts.
M	One Month Personal Loan	Short-term loan payable in 1 month.
P	Personal Cash Loans	General-purpose personal loans.
R	Revolving Credit	Flexible repayment revolving facility.
S	Short Term Insurance	Insurance for short coverage periods.
T	Student Loan	Education-related loan facility.
U	Utility	Utility service accounts (e.g., water/electricity).
V	Overdraft	Bank overdraft facility.
W	Rentals Asset	Rental agreements for physical assets.
X	Rentals Property	Rental agreements for property.
Y	Vehicle Asset Finance	Vehicle purchase financing.
Z	Revolving – Non Store Card	Revolving credit not tied to a retail store card.