Tips For Avoiding Bad Credit

Having a good credit record is an asset that should not be underestimated, as securing finance at a moment’s notice could prove invaluable if times get hard. However, bad credit has a tendency to creep up on you when you least expect it. So, just what steps can you take to preserve your stellar credit [...]

Tips For Avoiding Bad Credit2016-11-02T13:09:55+02:00

How do people get bad credit ratings?

If you're reading this, you may be one of millions of South Africans who have had a credit application rejected because of their low credit score. Having bad credit means that it will be difficult to apply for a credit card, home loan, or vehicle financing - but how do people get bad credit ratings [...]

How do people get bad credit ratings?2016-11-02T13:09:55+02:00

What is an ITC check?

Passing your ITC check is one of the most important steps in applying for credit successfully - and for many car buyers, it's also the most difficult. If you've been told that your ITC check wasn't successful, or that you will need to pass one soon, you may be wondering what these three letters mean. [...]

What is an ITC check?2016-11-02T13:09:55+02:00

What is a Credit Check?

It makes sense that credit giving institutions perform some form of test on each applicant in order to assess whether they will be able to pay back their loan or not, with this process actually known as a credit check. A credit check is ultimately a key determinant in whether your respective credit application is [...]

What is a Credit Check?2016-11-02T13:09:55+02:00

How to Clear Your Credit Rating

Being blacklisted in South Africa can be a crippling experience, particularly when you are being denied credit for an event that occurred far back in the past. It can also be indescribably frustrating. Fortunately, there are a number of steps that you can take to ensure that you get off the credit blacklist and back [...]

How to Clear Your Credit Rating2016-02-03T12:02:19+02:00

The cons of debt review

A sound benefit of debt review (debt counselling) is that it can ensure that your assets are protected from credit providers, meaning that no legal action can be taken against you while under protection. However, the disadvantage of this is that you won’t be able to apply for any further credit while under debt review. [...]

The cons of debt review2015-10-23T11:09:25+02:00

Where you can go to check your credit score

Knowing what your credit score is can be truly empowering, especially if you plan to apply for finance in the near future. In South Africa, the credit score is what determines the outcome of a loan application. Whether it is vehicle finance, a bond or similar – the credit score is vitally important. As a [...]

Where you can go to check your credit score2016-11-02T13:09:55+02:00

Improving Your Credit Score

Are you struggling to secure vehicle financing or even just apply for an short-term loan? And every time, you get the same answer, “Your credit score is too low. Obviously there are companies like us, who help people regardless of their credit score, and you can also live a perfectly normal life without ever needing [...]

Improving Your Credit Score2015-08-25T11:36:18+02:00

Get a Car Without an ICT Check

Millions of South Africans have trouble applying for credit and bank finance each day because of problems related to their credit score. Whether you have judgements against your name, a blemish or two on your credit record, or if your budget is stretched a bit thin, you may have experienced the anxiety of waiting for [...]

Get a Car Without an ICT Check2015-10-23T10:51:17+02:00

6 Tips for Improving Your Credit Score

There seems to be nothing more important than your credit score these days.  Your credit score is the first thing to be scrutinised by lenders and creditors when you apply for a personal loan, home loan, vehicle finance or even clothing account.  Having a healthy credit score shows creditors that you present a low risk [...]

6 Tips for Improving Your Credit Score2016-11-02T13:09:56+02:00