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.

Credit Scores How to Improve Debt Review FAQs

Personal Finance

Isilinganiso Sokhrediti nezikweletu

Ukuqonda nokuthuthukisa isilinganiso sakho sokhrediti kukuvula amazinga eboleko amahle.

Izigaba zesilinganiso sokhrediti eNingizimu Afrika

ENingizimu Afrika, isilinganiso sivame ukuba phakathi kuka-300–850. Isilinganiso sango-2026 singu-615.

Iphezulu kakhulu: 781–850 Amazinga amahle kakhulu, izicelo eziningi zigunyaziwe

Enhle: 661–780 Amazinga amahle, izicelo eziningi zigunyaziwe

Ephakathi: 610–660 Izinye izicelo zanikelwa, amazinga aphezulu

Embi: Ngaphansi kuka-610 Amazinga aphezulu, kaningi anikelwa

Indlela yokuthuthukisa isilinganiso sakho sokhrediti

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Khokha ngesikhathi, njalo

Ngisho inkokhelo eyodwa eyashaywa ihlala embrekhindini wakho iminyaka emi-2.

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Gcina ukusetyenziswa kwesikweletu ngaphansi kuka-30%

Uma unomkhawulo we-R10,000, gcina ibhalansi yakho ngaphansi 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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Hlola umbiko wakho ukuze uthole amaphutha

Thola umbiko wakho wamahhala ku-TransUnion, Experian noma Compuscan. Unelungelo lombiko wamahhala onyakanyaka.

Thola umbiko wakho wokhrediti WAMAHHALA

TransUnion open_in_new Experian open_in_new XDS (Compuscan) open_in_new

UkuBuyekezwa Kwezikweletu — Kuyini lokho?

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.

Isilinganiso Sokhrediti — Imibuzo Ejwayelekile

Ukuthuthukisa amapointi esikweletu kuthatha isikhathi. Izilisti ezibi njengezinkokhelo ezingakhokhelwanga zihlala iminyaka emibili; izahlulelo iminyaka emihlanu. Ngezinkokhelo ezikhokhelwa ngesikhathi, abantu abaningi babona ukuthuthuka kwangempela phakathi kwezinyanga eziyi-6 kuya ku-12.

Cha. Ukuhlola umbiko wakho wesikweletu ngokwakho kubizwa nge-soft enquiry futhi akuphazamisi amapointi akho nhlobo. Zihlola umbiko wakho okungenani kanye ngonyaka — akubizi lutho.

Amabhange amaningi aseNingizimu Afrika adinga amapointi angu-620-650 yemalimboleka yendlu. Amapointi angaphezu kuka-650 akunika amathuba angu-85% okwamukela. Amapointi angaphezu kuka-700 angakunikeza izinga elincane lenzalo.

Landa umbiko wakho wamahhala wesikweletu evela ku-TransUnion, Experian, noma XDS. Uma uthole iphutha, xhumana ngqo nebhiro lesikweletu nophumela. Ibhiro kufanele lihlole phakathi kwezinsuku ezingama-20 zebhizinisi.