Understanding Your Credit Report

Learn the fundamentals of a credit report and why it is a crucial financial document for every South African consumer.

A step-by-step guide on how to access your credit report, which is the first step before sending it to us for analysis.

Credit reports use confusing jargon. Our experts explain key terms like defaults, judgments, and prescribed debt.

An inside look at how credit bureaus operate and how our experts interact with them to successfully resolve your disputes.

Learn the difference between hard and soft enquiries and how they can impact your creditworthiness in South Africa.

They are related but different. Understand the specific roles of your credit report and your credit score.

Learn what personal data is collected and how it is used to build your credit profile.

A deep dive into negative listings like defaults and judgments and their direct impact on your financial standing.

New to credit? Learn what a "thin file" is and the first steps to building a positive credit history in South Africa.