CONSUMERLAWS ARTICLES
Clear guidance. A better-informed next step.
Explore the explanations behind payment pressure, credit information and your next practical step.
Start with your situation
Choose a topic, then narrow the collection with a word or question.
A useful place to begin
Credit health
Understand Your Credit Health Across Four Credit Bureaus
Your credit health is about more than whether you have a good or bad credit score. It includes the credit accounts recorded in your name, your payment…
Credit health
Why Check Credit Information Across Four Bureaus?
Checking more than one credit bureau can give you a broader understanding of your credit information because separate bureaus may hold or display different records about the…
Credit health
How to Read a Credit Report in South Africa
To read a South African credit report, start by checking your personal information, then review your credit accounts, outstanding balances, payment history, defaults, judgments and credit enquiries.
Credit health
Credit Scores Explained: What a Score Can and Cannot Tell You
A credit score is a numerical indicator of credit risk calculated from information associated with your credit history. It can help you understand how a scoring model…
Find the explanation you need
8 articles in Credit health
Credit health
4-in-1 Credit Health Report
A 4-in-1 Credit Health Report allows you to review credit information from TransUnion, Experian, XDS and VeriCred through one service. It helps you compare the information recorded about you, identify differences that may need checking…
Credit health
Credit Enquiries and Account Balances: What Lenders Can See
A credit report can tell a lender about your existing credit commitments, reported account balances, repayment history and certain enquiries made about your credit profile. However, an enquiry does not automatically mean that you received…
Credit health
Credit Scores Explained: What a Score Can and Cannot Tell You
A credit score is a numerical indicator of credit risk calculated from information associated with your credit history. It can help you understand how a scoring model assesses your credit profile, but it does not…
Credit health
Fraud and Identity Warning Signs on a Credit Report
An unfamiliar credit account, an enquiry from a lender you have never approached, or personal details you did not provide can be an early warning sign of identity theft or credit-related fraud.
Credit health
How to Read a Credit Report in South Africa
To read a South African credit report, start by checking your personal information, then review your credit accounts, outstanding balances, payment history, defaults, judgments and credit enquiries.
Credit health
Payment Profiles, Defaults and Judgments on Credit Reports
A payment profile, a default listing and a court judgment are three different types of credit information. Understanding the difference can help you interpret your credit report accurately and identify records that may require further…
Credit health
Understand Your Credit Health Across Four Credit Bureaus
Your credit health is about more than whether you have a good or bad credit score. It includes the credit accounts recorded in your name, your payment history, outstanding balances, credit enquiries and any adverse…
Credit health
Why Check Credit Information Across Four Bureaus?
Checking more than one credit bureau can give you a broader understanding of your credit information because separate bureaus may hold or display different records about the same consumer.
WhatsApp