How do I check my credit score for free in South Africa?

By law you are entitled to one free credit report per year from each of the four credit bureaus: TransUnion (transunion.co.za), Experian (experian.co.za), Compuscan/XDS (xds.co.za) and VeriCred. Checking your own credit score does not affect it.

What is considered a good credit score in South Africa?

A score of 661–780 is considered Good, while 781–850 is Excellent. The average South African credit score in 2026 is 612 (Fair). Most banks require at least 650 to approve a personal loan.

How long does debt review take in South Africa?

Debt review typically takes 3–5 years to complete, after which you receive a clearance certificate. During this period you cannot take on new credit, but your assets are protected from repossession and creditors cannot take legal action against you.

Amapointi Esikweletu Indlela Yokuthuthuka Ukubuyekezwa Kwezikweletu Imibuzo Ejwayelekile

Personal Finance

Isi-Score Sekredi namatyala

Ukuqonda nokuphucula isi-score sakho sekredi kukuvulela amazinga ekredi amahle.

Izigaba ze-score yekredi eMzantsi Afrika

EMzantsi Afrika, isi-score sivame ukuba phakathi kuka-300–850. Isilinganiso sango-2026 singu-615.

Ephezulu kakhulu: 781–850 Amazinga amahle kakhulu, izicelo ezininzi zigunyaziwe

Elungileyo: 661–780 Amazinga amahle, izicelo ezininzi zigunyaziwe

Ephakathi: 610–660 Ezinye izicelo zalandwa, amazinga aphezulu

Embi: Ngaphantsi kwe-610 Amazinga aphezulu, kaninzi alandwa

Indlela yokuphucula isi-score sakho sekredi

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Hlawula ngexesha, qho

Nangona intlawulo enye eyalahlekileyo ihlala kwirekhodi yakho iminyaka emi-2.

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Gcina ukusetyenziswa kwesikweletu ngaphantsi kwe-30%

Ukuba unemida ye-R10,000, gcina ibhalansi yakho ngaphantsi kwe-R3,000.

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Do not apply for multiple loans at once

Only use NCR-registered debt counsellors. Verify at ncr.org.za or call 0860 627 627.

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Jonga ingxelo yakho ngeempazamo

Fumana irekhodi yakho yamahhala ku-TransUnion, Experian okanye Compuscan.

Fumana irekhodi yakho yekredi YAMAHHALA

TransUnion open_in_new Experian open_in_new XDS (Compuscan) open_in_new

UkuBuyekezwa Kwamatyala — Yintoni?

If you're struggling with debt, debt review (debt counselling) restructures your payments to fit your budget and protects your assets from repossession.

One reduced monthly payment instead of many

Protection from legal action by creditors

Takes 3–5 years, then you get a clearance certificate

You cannot take on new credit during debt review

Important: Only use NCR-registered debt counsellors. Verify at ncr.org.za or call 0860 627 627.

Isi-Score Sekredi — Imibuzo Ebuzwa Kaninzi

Ukuphucula amanqaku esikweletu kuthatha ixesha. Izilisti ezimbi njengezintlawulo ezisentshonalanga ziqhuba iminyaka emibini; izigwebo iminyaka emihlanu. Ngeentlawulo ezihlawulwa ngexesha, abantu abaningi babona ukulungiswa okubalulekileyo phakathi kweeveki ezingama-6 ukuya ku-12.

Hayi. Ukujonga ingxelo yakho yesikweletu ngokwakho kubizwa nge-soft enquiry kwaye akunamdla kumanqaku akho. Jonga ingxelo yakho ubuncinane kanye ngonyaka — akukhonki nto.

Abantu abaningi abasebenzisa iibhanki zaseMzantsi Afrika badinga amanqaku angama-620-650 wemalimboleka yendlu. Amanqaku angaphezulu kwe-650 akunika amathuba angama-85% okwamkelwa.

Khuphela ingxelo yakho yasimahla yonyaka yesikweletu evela ku-TransUnion, Experian, okanye XDS. Ukuba ufumana impazamo, qhagamshelana ngqo nebhiro lesikweletu ngobungqina. Ibhiro kufuneka lihlole phakathi kweentsuku eziyi-20 zebhizinisi.