The Credit Bureau Association (CBA) is a voluntary body that promotes fair and equitable services. It ensures the confidentiality, accuracy, relevancy, and utilisation of data in accordance with international best practice and relevant legislation. The CBA’s mandate is to provide a framework for a sustainable and well-functioning credit information system by facilitating fair practice within the credit bureau industry and by promoting transparency, accountability, high quality credit reporting and sound business practices. The CBA currently represents 9 of the 14 registered credit bureaus within South Africa, which includes: Compuscan, Consumer Profile Bureau (CPB), Cred-IT Data Risk Management Solutions, Experian, Inoxico, Lexis Nexis Risk Management Services, Tenant Profile Network (TPN), TransUnion and Xpert Decision Systems (XDS).