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A CLEARER STARTING POINT

Free Consumer Credit Tools

Not sure which free tool fits your credit concern? Choose a check on payments, reports, notices or applications. See what records to gather and which guide to read.

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INFORMATION WITH LIMITS

Choose the check that matches your documents. Your selections stay on this page until you choose to include them in an enquiry. A result points to relevant guidance and optional advice. These tools offer information, not a legal opinion or an approval prediction.

EIGHT FREE TOOLS

Choose the tool that matches your question

Credit information

Payment pressure and rights

Credit preparation

01 · CREDIT INFORMATION

Understand your credit report

Credit Health Check

Check your credit health for unfamiliar accounts, payment issues, bureau information and recent applications. See what to review next.

Credit Score Explainer

Understand your South African credit score using the bureau’s reported scale, and learn why a score alone cannot guarantee approval.

Credit Report Glossary

Understand credit bureau terms including payment profile, enquiry, default, judgment and dispute with clear, practical explanations.

02 · PAYMENT PRESSURE AND RIGHTS

Identify a stage or rights topic

Asset Risk Check

Worried about car or home repossession? Check payments and formal notices to identify a possible stage, documents to gather and guide to read.

What Document Did I Receive?

Received a Section 129 notice, summons or demand? Match its heading to the right guide and records.

NCA Rights Checker

Use the NCA rights checker to identify the relevant credit issue, records to gather and South African consumer rights guide.

03 · CREDIT PREPARATION

Prepare before applying

Vehicle Finance Readiness Check

Check car finance readiness: credit reports, instalments, insurance, fuel, enquiries and documents.

Home Loan Readiness Check

Check bond application readiness: review credit information, rates, insurance, instalments, enquiries and income documents.

YOUR NEXT STEP

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