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10 common credit score myths.

What not to believe about your credit score. The credit industry in South Africa is often misunderstood. People tend to incorrectly assume that your...

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5 ways to pay your credit card debt.

Ditch the debt and pay off your credit card. If you are focused on improving your credit score, paying off your debt is a priority. Start by focusing...

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7 tips to fix your credit score.

Get your credit score right. Your credit score is important. A good credit score will help you access credit, loans, and other financial services...

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8 most common credit terms.

Understand credit jargon. Professional words, terms and phrases can sometimes be confusing. When trying to understand how to improve and maintain...

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Blacklisting, is it still a thing?

If you are concerned that you have been blacklisted, there are ways to find out and fix the situation. Technically, however, blacklisting is no...

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Breaking Bad Debt.

Debt is the worst financial habit anyone can form. It is easy to get into the debt trap. It is easier still to maintain the habit. However, the best...

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Can I Get A Loan While Under Debt Review?

Here’s how debt review affects your ability to obtain credit. Debt review is a programme where you can settle your debts with the help of a legally...

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Common myths about debt review.

5 myths about debt review. Many South Africans have misconceptions about debt counselling. People tend to think the process will send them in the...

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Debt Management Tips.

How to manage your debt. To build wealth and focus on important financial goals, you need to trim down and ultimately eliminate debt. These debt...

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Default, Judgement, Sequestration.

These are important terms and are directly related to your credit report. DefaultWhen you miss debt repayments the credit provider will report this...

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Free VS Paid Credit Reports.

Your credit report is closely linked to your financial future. As part of being a responsible citizen, you are responsible for your own credit score....

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Frequently Asked Questions about Debt Review.

What you need to know about debt reviewSomething called debt counseling could be your best option if you are looking for a way out of mountains of...

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Get your credit report before applying for a loan.

Here’s what to do to get your credit report. It is important that your credit report should be in good shape before applying for further credit....

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Good Debt Can Build Your Credit Score.

4 examples of good debt. There are times when you may need to rely on debt to achieve your goals. We explore four examples of good debt and find out...

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How Do I Check If I Have Been Blacklisted?

Are you worried about being blacklisted?All credit bureaus allow consumers to keep tabs on their credit score, both positive and negative components....

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How Do I Manage My Debt When I Am Unemployed?

Paying your debts while unemployed. The recent pandemic has led to a huge breakdown of the economy which includes rising unemployment. This has led...

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How is your credit score calculated?

What goes into calculating your credit score?A credit report is like a filing cabinet. It briefly describes how you've handled your accounts and...

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How Is Your Credit Score Weighted?

Your credit score is an important part of your financial future. A low credit score can make it difficult to get a loan, a place to live, or that...

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How Long Does Debt Review Last?

The debt review process. To understand how long debt review lasts, it's important to dissect exactly how the process works. Managing debt can be...

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How long does it take to improve your credit score?

Consumers should beware that the higher your credit score, the greater possibility you'll be approved for high-risk loans, for which you should make...

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How To Calculate Your Debt-To-Income Ratio.

Getting your numbers right. Before applying for a loan or credit card, take a look and see how things currently stack up and where you stand...

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How To Improve Your Credit Score After Debt Review.

Repair your credit score. Many consumers are misled into thinking that they can never begin to repair their credit scores after undergoing debt...

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How To Reduce And Eliminate Debt.

5 ways to reduce and eliminate debt. It's important to live within your means, which is easier said than done sometimes. That doesn't mean it isn't...

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Online Shopping – Just (don't) add to cart!

In this day and age, the average person works one or two jobs, five or six days per week. Many families find it difficult surviving on a single...

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Teaching Children Good Money Sense.

Children learn from a young age and some of the best lessons come from their parents and role models. Children remember every time they tag along to...

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The basics of your credit score.

Learn more about your credit score. As we progress through life we realize our need for credit. Credit can be used to buy a house, a car, or fulfill...

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The Pros And Cons Of Debt Counseling.

What you need to know about debt counseling. Sometimes people borrow money that they think they can afford to pay back. This debt can become a...

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Things You Don't Want To See On Your Credit Report.

Your credit report, explained. Your credit report works in a similar way to a report card you’d get back in school. It demonstrates your ability to...

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Understanding a credit report in South Africa.

Credit reports in a South African context. It is not enough to just get your credit report. You need to make sure you understand it and can use it...

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Vehicle instalments driving you to despair

According to the Experian Consumer Default Index (CDI) more and more South African households are under increasing financial strain. The CDI tracks...

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What are credit bureaus and how do they work?

Understanding credit bureaus. Your credit reports carry so much weight and can define your financial choices and outcomes. The companies in charge of...

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What causes credit card debt?

What you can do to resolve your credit card debt problems. If you’re tackling credit debt problems, it can be tricky to figure out where to start....

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What do credit bureaus know about me?

What information do credit bureaus hold?Credit reports are essential tools that everyone needs to use to create a more secure financial future. They...

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What Effect Does Your Credit Report Have On Your Interest Rates?

Interest rates are what you pay to borrow money from a financial institution or lender. Interest rates usually run at an Annual Percentage Rate...

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What Happens To Your Credit When You Get Married?

How your credit score is affected by your marital status. Marriage is surely the ties that bind, but it's not just two people coming together: It is...

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What Happens When You're Debt Free?

The amazing thing about being debt free. Living a debt-filled life has become the norm these days. It's important to be aware of how being in debt...

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What is a credit score?

Understand what your credit score really means. We’ve all heard about credit scores. We know that we should aim for a high credit score, but what...

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What is a credit utilization rate?

Understanding a credit utilization rate. People like to talk about their credit scores and they want the highest credit score there is. Not many...

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What is considered a good credit score?

What’s your credit score?All South Africans are entitled to one free credit report a year. It is a good idea to take advantage of this as it will...

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What Is Debt Administration?

Get to know debt administration. If your debt is below R50 000 and you do not want to go into sequestration ( also known as bankruptcy) you can apply...

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What Is Debt Counseling?

We take you through the process of debt counseling. If you are truly drowning in debt, there are alternatives to debt counseling that will help your...

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What Is Debt Review?

We explain the process of debt review. Debt review has no debt limit, while debt administration has a limit of R50 000 debt. Your vehicle and...

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What’s the difference between your credit score and your credit report?

Credit scores vs. credit reportsProfessional words, terms and phrases can sometimes be very confusing and terrifying. When trying to understand how...

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Which Type Of Credit Carries The Most Risk?

How safe is your lender?We all want to get what we want as quickly as possible and so, we can easily fall into the trap of using credit cards and...

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Why Debt Counseling Is Perfect For You.

Why debt counseling could be the smart choice. Debt counselling, formerly known as debt review, was introduced by the National Credit Act (NCA) in...

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Why did my credit score go down?

4 reasons why your credit score went down. Our finances are of utmost importance. Understanding them is the best way to make sure we do not end up...

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Will checking your credit reports affect your credit score?

Check your credit score. Many people are afraid to request a copy of their credit reports or check their credit scores out of concern it may...

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Your Best Defence Against Identity Theft Is Your Credit Report

Many people think that identity theft is committed solely against innocent, unsuspecting or unknowledgeable persons. Believe it or not, large...

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Check for arrears accounts

In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

Check for arrears accounts

In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

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