Enqorum Enterprise, home

See other credit activity while you decide.

Beside every application, how many other participating providers have one for the same identity, and what for. Never who they are, and only for a set time.

Provider registration isn't open at the moment. If your company already uses Enqorum, ask its administrator to invite you.

Sign in

Consumer registration isn't open at the moment. Check back later; nothing is wrong on your side.

Application ML-26-04418Open

Personal loan · SA ID ••0087Shown to other providers for 61 more hours

Example

Other providers' activity · anonymous

Up to date as of 09:12

Open
2
in 72 h
Approved
1
in 14 days
Declined
0
in 24 h
Withdrawn
1
in 24 h

Monthly repayments elsewhere · 2 accountsR 4 150.00

The applicant's signals

  • “Not mine” reportedThe applicant says they didn't apply.
  • Ask me firstContact them before granting credit.
Example: a made-up application, as a credit officer sees it beside their loan management system.

Anonymous

Counts and repayments only. No provider learns who the others are, and nobody learns about you.

Only for a set time

By default an open application shows to others for 72 hours, a decline or withdrawal for 24, an approval for up to 14 days. Your own history stays yours.

The applicant can speak up

People see the applications made in their name, and can say it wasn't them or ask for a withdrawal. Signals, not blocks: you still decide.

It works beside the system you already use

Enqorum doesn't replace your loan management system. It sits next to it, for every person who decides on applications.

Provider registration isn't open at the moment. If your company already uses Enqorum, ask its administrator to invite you.

  • With a connected systemYour loan management system sends applications through Enqorum's API, and the Enqorum widget shows the activity inside it.
  • Without oneCapture applications here, and your staff use the browser extension beside your loan management system.
  • Checked before you startEnqorum reviews your company and NCR certificate, then activates you.
  • Your people, your rolesInvite your staff. Administrators manage access, API keys and integrations.

Applied for credit? See it, and speak up.

See the credit applications made in your name at participating providers, and what happened to them. A person at Enqorum checks your identity document first.

  • Didn't apply? Tell the provider it wasn't you. It checks and decides.
  • Changed your mind? Ask it to withdraw the application.
  • Your preferences: be told about new applications, ask providers to check with you first, or say you don't want new credit.

Consumer registration isn't open at the moment. Check back later; nothing is wrong on your side.

My protection

South African ID ending 0087Verified

Example
  • Karoo Ridge FinancePersonal loan · R 15 000 · opened 21 Oct
    Open
  • Mopane LendingPersonal loan · R 25 000 · opened 20 Oct
    Open
  • Baobab CreditOne-month loan · R 3 000 · closed 2 Oct
    Withdrawn
Example: what a person sees about the applications in their name.

What Enqorum doesn't do

  • No lending decisionsEach provider decides on its own applications.
  • No loan pricingEnqorum doesn't set or suggest rates or terms.
  • Not a credit bureauIt doesn't replace bureau reporting; it covers the time before that catches up.
  • No block on lendingA consumer's preferences and requests are signals; providers keep their decisions.