Understanding the cost honestly
What does credit repair cost in South Africa?
The assessment is a fixed once-off fee; any further work depends on your case and is quoted separately. Here is how to think about the cost, what to ask, and the free options you already have.
An assessment and further work are different costs
The most important thing to understand is that there are two distinct costs, and they should never be blurred together. The assessment is a once-off professional review of your credit information - what is there, what may be corrected or updated, what is accurate history, and an appropriate next step. The further work is any additional action to query or update information, which depends on your particular case and is quoted separately.
Start with the personal assessment price and process, then consider any additional work only after a separate quote. This keeps the two costs clear and means you are never surprised by what is and is not included.
We do not publish invented industry averages or fixed remediation prices, because the work needed genuinely varies from one record to another. Anyone quoting a single fixed price for "clearing" every record is not being honest about how different cases are.
A credit assessment price is not a debt review removal price. Read how debt review removal fees and enquiries are handled and distinguish the proposed work before agreeing to it. The statutory payment limits in our fee terms take precedence over any general statement about payment before work starts.
The advertised personal assessment is R395 once off and the company assessment is R1,950 once off. They are different packages. Review the personal inclusions or company scope before comparing the price. Neither amount should be presented as a debt review removal fee.
A personal assessment price is not a prescribed-debt removal price. Read how prescribed-account fees are handled and our fee terms.
Questions to ask about a quote
Whether the quote is from us or anyone else, these questions help you compare clear scopes rather than promises alone:
- Exactly what work is included, and what is not?
- What is the work aiming to achieve, realistically?
- Is the price once off, or is there a subscription?
- Does it promise guaranteed removals or a fixed score increase?
- What happens if the information turns out to be accurate?
- Are free report and dispute options acknowledged?
Use these questions to ask a credit repair company about fees to compare providers on the same basis. Clear scope beats a headline price every time.
Free routes you can use yourself
You do not have to pay anyone to access your credit information or to dispute inaccurate entries. You can obtain your credit report directly from the bureaus and dispute information you believe is inaccurate, at no cost. These are your rights.
Compare free report and dispute routes versus paid support so that paying for interpretation remains an informed choice rather than a default. Many people can self-serve; some value a professional review before acting.
Choose an informed next step
The honest path is to start with the once-off assessment, see what your record actually shows, and only then decide whether further work - quoted separately - is worth it for your situation. Read the cancellation and refund arrangements before placing an order, so you know where you stand.
Questions about credit repair fees
Ready 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.