Credit Score Guides
Understand and improve your credit score. These guides show how credit bureaus calculate your score, how to get your free credit report every year, how to dispute wrong listings and remove paid-up defaults, and the everyday habits that build a stronger record over time. A better score can mean better loan offers, lower interest and easier approval for credit in South Africa.
9 guides
You can remove a default only if it is wrong or it has reached its retention period.
To start a credit report dispute, get your report, mark the wrong entry, and write to both the credit bureau and the credit provider that supplied it, with proof attached.
To build credit in South Africa, open an account you can afford, pay it on time every month, keep the balance low compared with its limit and avoid applying for several accounts at once.
A credit bureau is a registered company that collects information about how you use credit and sells it to lenders and other approved businesses.
Under the National Credit Act you can get one free credit report a year from each registered credit bureau.
To improve your credit score in South Africa, check your report for errors, pay every account on time, reduce card and store balances, and avoid new applications while you recover.
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