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What is a good credit score?

A “good” credit score depends on the scoring system used by your particular lender. Different scoring systems use different scales. However, if you have a good credit score from one of the credit reporting agencies, you are likely to have a good credit score with your lender.
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How to boost your credit score – even in hard times

Even with interest rates on the rise, you can still manage your debt. Here's how:

The first quarter of 2014 has hit consumers’ pockets hard: the inflation rate has reached the 5.9% mark after a third consecutive increase in February 2014 and the repo rate, which many predicted would only change in March 2014, was increased by 0.5% at the end of January 2014.
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FAQs on credit amnesty

Cape Town – Credit bureaus have been inundated with calls from consumers since the implementation of the credit amnesty on April 1 2014.

Among the most frequently asked questions are:
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Disputing Errors on Credit Reports

Today credit reports are very important when determining one’s credibility. Credit reports contain the details about a person’s history of paying bills, criminal records, whether one has filed for bankruptcy before, where one lives and many other intricate details about a person. An individual’s credibility is crucial when it comes to getting a job, buying a house, getting a credit card, insurance, or transacting other businesses. Seeing how many facets of life are affected by this document, it’s important that the credit reports are accurate and that one has the right to dispute errors on credit reports.
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14 Amazing Tips To Repair Your Credit Score

You have probably realised by now that there is nothing more important than having a good credit score. Your credit score is the first thing that all lenders and creditors will look at before granting you any form of loan, whether you are looking at applying for a mortgage, personal loan, clothing shop account and even applying for a job. We as South African citizens should know the importance of having a healthy looking credit score in order to maintain a normal lifestyle.
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Judgements, Administrations and Listings (how to remove them)

Have you, like millions of South Africans; have been denied a loan, clothing accounts, mortgages or even a job? Are you feeling that your life is standing still due to your bad credit rating? In this article will I explain, in depth, on how to remove the bad elements from your credit report, so that you can carry on with your normal life. Continue reading

The Importance Of Pulling A Credit Report Before Applying For A Loan

It is important that your credit should be in a good shape before applying for any type or form of loan. This will help you to see what your credit status is and that you have the correct information for the loan application. You should know that the lenders will always do a credit check on you before granting you that much needed loan and if your credit is nor good and the lenders see it, then it will reflect on your credit report.
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Fixing Your Credit Made Simple

Are you one of the many South African who struggle to obtain a home loan or other forms of credit, due to the fact that your credit score is to low? You should know that you will not be able to fix your credit over night and that it will take some time fix. There are thus a few things which you can do in order to repair your credit so that you can obtain that much needed mortgage or car finance. In this article will I give some useful tips which you can use to repair your credit over time.
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Any Disputes On Your Credit Report? – 5 Easy Steps To File Any Disputes

In South Africa has it never been as important to have a clean credit rating. It will have an impact if you apply for a home loan or even to find a job. It is of utmost importance that you make sure that the information on your credit report is truthful and accurate. You have the right to file any disputes that you might find is inaccurate or out dated. In most cases will you be able to sort it out by your self, but if you run into any problems, then you should make use of a consumer law attorney. In this article will I explain in five simple steps how to file a dispute successfully.
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Credit Card Debt – Explaining the main causes

We have seen and read hundreds of articles about credit debt, and you will always see that people have to tackle the problem from the root cause. If you are paying back your debts, and you don’t know how you got there in the first place, then the chances are very good that you will be back in debt real soon in your near future. In this article will I explain the most common reasons why people end up with debt on their credit cards.
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