TPN is South Africa’s only credit bureau specialising in the collection of tenant behaviour and rental payment profile information. Michelle Dickens established TPN in 2000 after working as a rental agent and experiencing first-hand the frustration of dealing with delinquent tenants. In 2007, with the advent of the National Credit Act, TPN registered as a credit bureau and was the first credit bureau globally to specialise in the property industry. Since then, TPN has developed many innovative products and formed close working relationships with global credit bureaux TransUnion and Experian to further enhance the vetting of tenants. TPN’s biggest contribution to the property industry has undoubtedly been the creation of a rental payment profile, another global first which gives tenants the opportunity to improve their credit scorecard whilst renting