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The content on our website are for educational purposes only and is not professional financial advice. References to third party products, rates and offers may change without notice. Please visit the referenced website for current and up-to-date information.
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FREE CREDIT SCORE
Curious about your Credit Score? Get your credit score online today. Check if you qualify for finance. Secure portal. Learn about your score and ways to build it.
3-IN-1 REPORTS
Your 3-in-1 Credit Report offers a side-by-side comparison of all three of your credit reports in one document (TransUnion, Experian and XDS)
BLACKLISTING REMOVAL
Many people don't know much about credit bureau listings in South Africa or how it can impact their lives, especially when it comes to being blacklisted.
MY ACTION PLAN
Your credit history, current payments and balances, alerts and score credits, should be available to you easily on a simple easy-to-use dashboard. Get a plan in place.
- Credit Education
- Credit Cards Information
- Loans Information
- Debt Assistance
- Identity Theft Help
Credit Education
If you are planning to borrow money, there are different places that you can borrow from, including banks, micro-lenders, shops and informal (un-registered lenders), such as loan sharks.
All these places offer different products and their terms and application processes differ from each other.
The risk and application terms associated with each lender also differs, so think carefully and read everything properly, before you sign any written agreement or contract.
Taking up credit is a big decision, so weigh the situation first and see if you are able to save for it and pay cash.
Credit Cards Information
Credit can be a confusing concept to work your way around if you have no idea what you are doing. It can be very helpful if you have an understanding of how it works and what you are paying for.
It will be worth your while to learn some basics of credit cards usage and how you can benefit from it and how it affects your credit score.
Always borrow money for a good reason, such as to buy a house of finance a vehicle. You could get a loan approved for something good like home or office renovations or purchasing stock that you know will add value to your buying.
Loans Information
Whatever you may need a loan for- from buying a car or covering those dreaded emergency expenses, personal loans are the way to go for when you need it most. When applying for a personal loan, you might be requested to explain what the loan is for.
The different types of loans are:
- Unsecured Personal Loans
- Secured Personal Loans
- Fixed-Rate Loans
- Variable-Rate Loans
Debt Assistance
You can consolidate all your debt into one affordable instalment. All your debt will be included on your credit report. You will be able to negotiate lower interest for all your accounts. You will therefore pay a lower interest for the same period.
Counsellors will deal directly with your creditors on your behalf. By paying a lower instalment to creditors, you will have more disposable income available, should an unplanned emergency arise.
Your credit record will remain protected and you will not be blacklisted by Credit Providers. be proactive and act before legal action.
Identity Theft Help
Did you recently get a notice that says your personal information was exposed to data breach. Did you lose your wallet or learn that your online account was hacked. Depending on what information was stolen, there are steps you can take to help protect yourself from identity theft.
If someone is using your information to open new accounts or to make purchases, you need to report it and get help.
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