Understand the Credit Score Shown on Your Report
Choose the bureau shown on your report. Understand its scoring scale and what your score may suggest; it does not guarantee credit approval.
START WITH THE SOURCE
Begin with the bureau on your report
Choose the bureau shown on your report. Check the score model and legend printed on your actual report. You do not need to enter a score or buy a report to use this explainer.
Understand your credit score
Choose the bureau on your report. You do not need to enter your score or personal details. The explanation is free; buying a report is optional.
READ THE NUMBER IN CONTEXT
A score and a credit decision use different context
Bureau and model
Models and versions can differ, including products from the same bureau. Read the scale and legend printed on your report.
A broader assessment
No single South African score guarantees approval; lenders assess affordability and their own criteria.
THE FULLER EXPLANATION
Your next step
Read the fuller Credit Scores Explained guide for context on bureau models, why scores differ and what lenders also consider.
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