Share Poll

Poll link

500 px
350 px
250 px

widget preview:

Width - px Height - px

Close preview
! You are using a non-supported browser Your browser version is not optimised for Toluna, we recommend that you install the latest version Upgrade
Our Privacy Notice governs your membership of our Influencer Panel, which you can access here. Our website uses cookies. Like in the offline world, cookies make things better. To learn more about the cookies we use, check out our Cookies policy.


  2 months ago

How to check your credit score ...and improve it if it’s not great

Your credit score is an important component of your financial life, and if you’re applying for a loan, bond or car finance, it will be relevant.

For example, if you’re purchasing a car, you might have negotiated a price that you can comfortably afford, put down a deposit and prepared for the anticipated monthly repayments, but if you have a poor credit rating your application could be denied.

Your credit score shows you any issues you might have in your credit history.

If you apply for car finance, the financial institution will also have access to this credit score. It will have a good view of how well you pay your bills and how much debt you have. It gives credit providers a bird’s-eye view of how you manage existing credit.’

A high credit score is preferable to financial providers, while a low score implies that you have a negative credit rating and either your request for finance will be denied or your interest rate will be higher. Credit providers use different scoring methods, but the score range is usually between 330 and 830, with above 750 being an excellent score.

How to check your credit score:

By law, everyone in South Africa is entitled to one free credit report a year. There are several credit bureaus in South Africa who are obliged to give you your score when you request it the first time. If you ask again that year, they can charge you for it. It’s fairly quick and easy to apply for your credit rating.

These are some of the companies that offer credit-score checks in South Africa:



Credit Bureau



My Credit Status


How can one improve their credit score?

You can pay your bills on time and review your credit report regularly to check if there are any mistakes that could be affecting your credit score.


  2 months ago
i check mine on a monthly basis Reply


  2 months ago
thank you Reply


  2 months ago
this is real interesting. thanks Reply


  2 months ago
ok thank you. i didn't know all these companies. Reply


  2 months ago
Thanks for sharing all of this, t6254547! How often do you check your credit score? Do you believe these websites are helpful in strengthening it? Reply

Copied to clipboard

You’re almost there

In order to create content on the community

Verify your Email / resend
No thanks, I’m just looking

We have disabled our Facebook login process. Please enter your Facebook email to receive a password creation link.
Please enter a valid Email
We're working on it...
When you upload a picture, our site looks better.