Credit repair guides in South Africa
Understand your credit, one question at a time.
Practical, plain-English guides to help you read your credit report, understand what may be corrected, and prepare before applying for car or home finance.
Understand your report
Start with what to check in your credit report before moving to a specific issue. Understanding the structure of your report makes every other step easier.
Understanding your credit report
Read the main sections and decide what to check first.
Read the guideUnderstanding your TransUnion report
Understand a TransUnion report and locate official help.
Read the guideWhy your credit scores differ
Compare underlying information when bureau scores differ.
Read the guideCorrect or query credit information
For the overall process, follow the steps to check and correct a credit record and then read the guide for your particular entry.
Understand costs and timing
Knowing what is once-off and what is quoted separately helps you compare options fairly, and understanding the stages behind a timeframe stops you chasing a false promise of a fixed deadline.
Prepare for car or home finance
For a car purchase, use the car-finance preparation checklist to organise the questions you need to answer. For a property purchase, use the home-loan preparation checklist without treating it as a lending decision.
Choose the right kind of support
Compare free reports and paid assessments before deciding which route suits your situation. Paid support is optional - your direct rights to free reports and disputes remain.
For service assistance rather than a general explanation, explore debt review removal and the appropriate next steps.
Free credit report or paid assessment?
Compare free access, self-service and paid interpretation.
Read the guideHow to choose a credit repair company
Check fees, scope, evidence and service boundaries.
Read the guideCredit repair vs debt review
Understand the difference between correcting information and regulated debt counselling.
Read the guideReady to understand your credit record?
Start with a professional assessment of your credit information, then decide whether any separately quoted help is right for you.
Once-off assessment. No subscription. Any further work is quoted separately.