Credit Score Guides

A default is an adverse listing a credit bureau records when you fall behind.

A credit dispute is the free process of challenging wrong information on your credit report, a debt that is not yours, a wrong amount, a paid default still showing, or a listing that should have expired.

To build credit, open one small, manageable credit account, use only a little of it, and pay the full amount on time every single month, then repeat consistently over months and years.

A credit bureau is a company that stores information about how you handle credit, your accounts, payment history, defaults and judgments, which lenders use to decide whether to give you credit.

Most South Africans meet their credit report for the first time on the worst possible day: the day a loan, a phone contract or a rental application comes…

You can improve credit score somewhat quickly with a few targeted moves, checking your record and disputing errors, paying down balances to lower utilisation, and settling overdue amounts, which can show within a reporting cycle or two.