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10 common credit score myths.
What not to believe about your credit score. The credit industry in South Africa is often misunderstood. People tend to incorrectly assume that your...
5 ways to pay your credit card debt.
Ditch the debt and pay off your credit card. If you are focused on improving your credit score, paying off your debt is a priority. Start by focusing...
8 most common credit terms.
The 8 most common credit terms may seem confusing to you at first. Professional words, terms and phrases can sometimes be very confusing and...
A Guide On How To Get Out Of Debt.
There are plenty of organisations out there willing to help you. But what if you’re the do-it-yourself type who likes to handle things all by...
Blacklisting, is it still a thing?
If you are concerned that you have been blacklisted, there are ways to find out and fix the situation. Technically, however, blacklisting is no...
Breaking Bad Debt.
Your debt problems keep you up at night. People often don’t know where to turn and end up feeling isolated and ashamed. Of course, the solution for...
Build Your Credit Score While You’re Young
It’s never too early to start. Obviously a good credit score goes a long way in helping you get things you might otherwise not be able to buy with...
Can I Get A Loan While Under Debt Review?
Debt review and obtaining credit. Debt review is a programme that helps you manage your debt and get out of it. A legally certified debt counsellor...
Can Your Credit Score Affect Your Job?
How your credit score affects your chances of getting that dream job. To what extent does your credit history affect your chances of getting a job?...
Check Your Credit Report For Signs Of Fraud
Things to look out for on your credit reportDigital fraudsters take advantage of online consumers. We have a look at what kinds of online fraud you...
Common myths about debt review.
5 myths about debt review. Many South Africans have misconceptions about debt counselling. People tend to think the process will send them in the...
Debt Management Tips.
How to manage your debt. To build wealth and focus on important financial goals, you need to trim down and ultimately eliminate debt. These debt...
Debt Review Is A Good Idea.
Why debt review is a good idea. According to a recent study conducted by the National Credit Regulator, a staggering number of consumers have...
Default, Judgement, Sequestration.
These are important terms and are directly related to your credit report. DefaultWhen you miss debt repayments the credit provider will report this...
Disputing Errors on Credit Reports
Credit reports are like the résumé of your financial life. They contain detailed information about your history with paying off loans and bills...
Free VS Paid Credit Reports.
Your credit report is closely linked to your financial future. As part of being a responsible citizen, you are responsible for your own credit score....
Frequently Asked Questions about Debt Review.
What you need to know about debt reviewSomething called debt counseling could be your best option if you are looking for a way out of mountains of...
Get your credit report before applying for a loan.
Here’s what to do to get your credit report. It is important that your credit report should be in good shape before applying for further credit....
Get Your Credit Score Back On Track
How long does it take to improve your credit score?When looking for financing options, consumers must learn about their credit score. A high credit...
Good Debt Can Build Your Credit Score.
4 examples of good debt. There are times when you may need to rely on debt to achieve your goals. We explore four examples of good debt and find out...
Hard VS Soft Inquiries On Your Credit Report.
Understanding credit inquiriesThere are a lot of things that you can check using your credit report. One of the most important pieces of information...
Have I Been Blacklisted?
How to check if you have been blacklisted. In South Africa, blacklisting was a term once used to refer to irresponsible financial behaviours, and...
How do I get late payment entries removed?
Get your payments in order. Late payments are terrible for your credit score. There are, however, ways to make sure you optimise your credit score...
How Do I Manage My Debt When I Am Unemployed?
Managing your debt repayments when unemployed is a concern many of us face. The recent pandemic has led to a huge breakdown of the economy and has...
How do I read my credit report?
Spot problems before it’s too late. It is always a good idea to check your credit score on a regular basis. Mistakes do happen and there is no way to...
How is your credit score calculated?
What goes into calculating your credit score?A credit report is like a filing cabinet. It briefly describes how you've handled your accounts and...
How Is Your Credit Score Weighted?
Your credit score is an important part of your financial future. A low credit score can make it difficult to get a loan, a place to live, or that...
How Long Does Debt Review Last?
The debt review process. To understand how long debt review lasts, it's important to dissect exactly how the process works. Managing debt can be...
How To Calculate Your Debt-To-Income Ratio.
Getting your numbers right. Before applying for a loan or credit card, take a look and see how things currently stack up and where you stand...
How To Clear Your Name At Credit Bureaus.
Check your credit report and clear your name. These days it is easy to get your credit report online. Even if you don't have bad credit, you might...
How To Improve Your Credit Score After Debt Review.
Repair your credit score. Many consumers are misled into thinking that they can never begin to repair their credit scores after undergoing debt...
How To Qualify For New Credit With No Credit Score.
6 ways to improve your chances of qualifying for creditPeople often have some really difficult experiences when it comes to obtaining credit or...
How To Reduce And Eliminate Debt.
5 ways to reduce and eliminate debt. It's important to live within your means, which is easier said than done sometimes. That doesn't mean it isn't...
Judgements, Administrations and Listings
This is how to remove them. Have you, like millions of South Africans, been denied loans or clothing accounts, mortgages, or even a job? Reading is...
Online Shopping – Just (don't) add to cart!
In this day and age, the average person works one or two jobs, five or six days per week. Many families find it difficult surviving on a single...
Teaching Children Good Money Sense.
Children learn from a young age and some of the best lessons come from their parents and role models. Children remember every time they tag along to...
The Best Way to Manage your Store Credit Card Account
Manage your store credit easily. When your store account is overdue it’s considered delinquent. Most companies don’t report a delinquent account...
The Pros And Cons Of Debt Counseling.
What you need to know about debt counseling. Sometimes people borrow money that they think they can afford to pay back. This debt can become a...
Things You Don't Want To See On Your Credit Report.
Your credit report, explained. Your credit report works in a similar way to a report card you’d get back in school. It demonstrates your ability to...
Tricks To Help You Save While Paying Off Debt
3 quick tips to help you save. When you’re paying off debt, help is available. Speaking with a financial consultant or planner about your situation...
Understanding a credit report in South Africa.
Credit reports in a South African context. It is not enough to just get your credit report. You need to make sure you understand it and can use it...
Understanding Debt Consolidation Loans in South Africa
What are debt consolidation loans and how can they help?If you have more debt than you can handle, it might be time to consider some form of debt...
Vehicle instalments driving you to despair
According to the Experian Consumer Default Index (CDI) more and more South African households are under increasing financial strain. The CDI tracks...
Warning Signs You Could Be Heading for Financial Disaster
5 signs to look out for. There will be days when cash flow is smoother than usual and you're rolling in dough. And then, there are the days when...
What Affects Your Credit Score?
Factors that influence your credit score. Your credit score changes along with your financial profile. When you have a job, for example, when your...
What are credit bureaus and how do they work?
Understanding credit bureaus. Your credit reports carry so much weight and can define your financial choices and outcomes. The companies in charge of...
What causes credit card debt?
What you can do to fix your credit card debt problems. If you’re tackling credit debt problems, it can be tricky to figure out where to start. You...
What do credit bureaus know about me?
What information do credit bureaus hold?Credit reports are essential tools that everyone needs to use to create a more secure financial future. They...
What Effect Does Your Credit Report Have On Your Interest Rates?
Interest rates are what you pay to borrow money from a financial institution or lender. Interest rates usually run at an Annual Percentage Rate...
What Happens To Your Credit When You Get Married?
How your credit score is affected by your marital status. Marriage is surely the ties that bind, but it's not just two people coming together: It is...
What Happens When I Skip A Debt Payment?
Top 3 reasons why you should never skip a payment. When you’re straining under the burden of debt, it’s easy to think that by skipping a payment...
What Happens When You're Debt Free?
The amazing thing about being debt free. Living a debt-filled life has become the norm these days. It's important to be aware of how being in debt...
What is a credit score?
Understand what your credit score really means. We’ve all heard about credit scores. We know that we should aim for a high credit score, but what...
What is a credit utilization rate?
Understanding a credit utilization rate. People like to talk about their credit scores and they want the highest credit score there is. Not many...
What Is A Decent Credit Score To Buy A Car?
Your credit score when buying a carIf you’re hoping to buy a car, but don’t want to go through the trouble of paying cash for it, you might think...
What Is A Good Credit Score If You Want To Buy A House?
You want to buy a house. Here’s how your credit score affects that. If you need to find out your chances of getting approved for a home loan, one of...
What Is A Hard Inquiry And How Does It Affect Your Credit Report?
The truth about inquiries on your credit reportA hard inquiry happens when you apply for a new line of credit, such as a credit card or loan. A...
What Is A Soft Inquiry And How Does It Affect Your Credit Report?
We explain a soft inquiry on your credit report. A hard inquiry happens when you apply for a new line of credit, such as a credit card or loan. A...
What Is Considered A Bad Credit Score?
What is a bad credit score?When it comes to applying for a credit, there’s a vital piece of information that affects how lenders and banks view you:...
What is considered a good credit score?
What’s your number?A good credit score shows that you have a solid understanding about your personal finances. Your credit score helps you make sense...
What Is Debt Administration?
Get to know debt administration. If your debt is below R50 000 and you do not want to go into sequestration ( also known as bankruptcy) you can apply...
What Is Debt Counseling?
We take you through the process of debt counseling. If you are truly drowning in debt, there are alternatives to debt counseling that will help your...
What Is Debt Review?
We explain the process of debt review. Debt review has no debt limit, while debt administration has a limit of R50 000 debt. Your vehicle and...
What’s the difference between your credit score and your credit report?
Credit scores vs. credit reportsProfessional words, terms and phrases can sometimes be very confusing and terrifying. When trying to understand how...
Which Type Of Credit Carries The Most Risk?
How safe is your lender?We all want to get what we want as quickly as possible and so, we can easily fall into the trap of using credit cards and...
Why Debt Counseling Is Perfect For You.
Why debt counseling could be the smart choice. Debt counselling, formerly known as debt review, was introduced by the National Credit Act (NCA) in...
Why Did My Credit Score Go Down?
5 reasons why your credit score went down. When it comes to your financial status, there are many fluctuations that can occur. It's not uncommon and...
Will checking my credit report affect my credit score?
Check your credit score. Many people are afraid to request a copy of their credit reports but it is crucial for staying on top of your financial...
Your Best Defence Against Identity Theft Is Your Credit Report
Many people think that identity theft is committed solely against innocent, unsuspecting or unknowledgeable persons. Believe it or not, large...
Your Credit Score: The Basics.
Understanding the numbers. As we get older, we begin to realise the importance of having a good credit score. You don’t only want to make sure you...
