Free Credit Report South Africa
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Why it’s Imperative to do a Credit Check Every now and Again

credit check

There can be plenty of mistakes on your credit report, and that is why you need to keep an eye on it. At least once a year you should be going through everything with a fine toothed comb to see what is on there. If you find any problems with amounts of debt, payments, or even accounts that don’t belong to you then you should follow the procedure for getting them corrected.
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What Influences your Credit Score?

There are quite a few things that influence your credit score, and it is important to know about them. How long you have had credit is a factor. If you have an older credit card that you don’t use, don’t be tempted to cancel it. If you do, and it is a very old account, then your credit score may drop. By keeping those older accounts you establish some longevity. If you are young or new to getting credit, then it will just take time to build up those accounts and you have to be patient.
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The Importance of Knowing your Credit Rating

It is very important that you know what your credit rating says about you. This is a score that can be as high as 850 and it will follow you from the first time you apply for credit until you die. It is a big part of your overall financial well being so you want to make it a priority to have as high of a score as you can. Your credit score doesn’t just matter when it comes to you getting approved for a credit card or a loan.
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Understanding the Credit Report in South Africa

credit report in south africa

It isn’t enough to just get your credit report if you live in South Africa. You need to be confident that you can use that information to correctly evaluate your needs and your financial picture. Remember, this is the profile that will be viewed by lenders as well as insurance companies. Don’t be surprised if a potential employer also checks into it as that is becoming a very common practice as well.
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How to get a Free Credit Report in South Africa

There is a great deal of information found on your credit report, and the responsibility for it being accurate falls on your shoulders. With that in mind, you have to be proactive to ensure it has what it should on it. Don’t wait until there is a problem brought to your attention to take notice of it and to review it.
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Getting a Credit Bureau Report before Applying for a Loan

If you are thinking about getting a loan, your first course of action should be to get a credit bureau report. By doing so, you will be able to make sure you have all of the accurate information you need to proceed. You will know what your credit score is and what information lenders are going to find. You will be able to see if there are any errors as well that could prevent you from getting a loan or result in your interest rate being higher than it should be.
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Get a Credit Check Free Online

Annually you should be able to get a free credit check online. This is a very simple and fast process that you can get done with in a matter of minutes. However, you need to make sure you are doing it. Too many people haven’t seen what is on their report for years and that isn’t a good idea. You never know what types of fraud or simple mistakes could be on there that are preventing you from getting the credit you need at the very best possible rate of interest.
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6 Reasons to go for a Free Credit Check

Getting your free credit check is important, and here are 6 reasons that you should do so.

Don’t Pay if you Don’t Have to

Never pay for a credit report if you don’t have to. There are websites that will tell you for a low price you can get them. Always see if you qualify for one for free before you do so though. Then you can get it and not have to spend any money. However, if you don’t qualify for a free one but do need to review it, you should be able to do so for a reasonable cost.
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