Frequently Asked Questions

About Credit Reports

What is a credit report?

Your credit report contains your credit history as reported to the Credit Bureau of South Africa by lenders who have extended credit to you. The information in your credit report is also used to generate credit scores. Your credit score is determined by how you pay back the credit you have. If your payments is on time, your credit score will strengthen which will increase your chances of getting more credit from Credit Providers.

We can provide you with a free credit record, no strings attached. With your permission, we can request a Credit Record for you, along with a free Debt Assessment. All you need to do is fill in the contact form on this page, and we will contact you for free.

How much will requesting a credit record cost?

We can provide you with a free credit record, no strings attached. With your permission, we can request a Credit Record for you, along with a free Debt Assessment. All you need to do is fill in the contact form on this page, and we will contact you for free.

Why is my credit report negative?

Falling behind on one or more of your installments can result in a negative credit score at the credit bureau. It is very important to pay your creditors in full and on time.

How can I clear my negative credit score?

The best place to start clearing your negative credit profile is by clearing your debt. Paying your creditors on time and in full. You need to make sure that your income is enough to cover all your living expenses as well as paying all your creditors. For future reference, you will need at least 15% left of your initial income after you have made all your payments, as contingency to cover for emergencies. If you need some help with this, Debt Counselling is a great solution for clearing your Negative credit record.

You can use our Debt Calculator to see if you have at least 15% left each month.

How can I clear my negative credit score?

The best place to start clearing your negative credit profile is by clearing your debt. Paying your creditors on time and in full. You need to make sure that your income is enough to cover all your living expenses as well as paying all your creditors. For future reference, you will need at least 15% left of your initial income after you have made all your payments, as contingency to cover for emergencies. If you need some help with this, Debt Counselling is a great solution for clearing your Negative credit record.

You can use our Debt Calculator to see if you have at least 15% left each month.