Xpert Decision Systems (Pty) Ltd | XDS is the first and only black owned Credit Bureau in South Africa.

Xpert Decision Systems is a South African information and credit bureau. Through strong business practice, information technology skill, and experience we help organisations make smarter business decisions. XDS was awarded gold in the Large Business of the Year Category at the Roodepoort Chamber of Commerce and Industry FNB Business of the Year Awards in 2012. Make smarter consumer credit decision