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About CreditSmart

Who we are

CreditSmart is a financial services provider focused on assisting consumers with every aspect of credit, debt and financial management.

  • Help consumers get smart about their credit, debt and finances
  • Help consumers get out of bad debt and into good credit or totally debt free
  • Be a one-stop-shop for all things that will improve consumer cashflow, get rid of bad debt, improve credit scores, develop good credit and financial habits and bring financial relief.
  • Make available all products, services and tools that will equip consumers to deal with the demand on their disposable income.
  • Bust the stigma related to debt and the use of credit

Our Partners

We have partnered with companies and individuals who share our core mission and beliefs, and about whom we are confident will provide excellent service.



Latest blog posts

Wikus Olivier - Expert Opinion & Insights - Relationship with Money (Youth Month)

Something to Chew On: Your Relationship with Money…

Youth Month What feelings or emotions do you experience when you think about money? Does money evoke a sense of... read more

Debt Review: “Rather Pass” or “Perfect Fit”

Debt Review: “Rather Pass” or “Perfect Fit”

Debt Review may not be the “perfect fit” for everyone but can be THE solution for a person requiring... read more

The lower your Debt-To-Income (DTI) Ratio/Percentage (debt payments versus gross income) reflects, the better your financial position.

Debt-To-Income Ratio: The Lower the Better

A Debt-To-Income (DTI) Ratio is the financial metric that compares your monthly debt payments to your income amount before... read more

Consumer Rights and Responsibilities

Credit Agreements: Your Rights and Responsibilities

It is equally important to know what your CONSUMER RIGHTS and your RESPONSIBILITIES are concerning your credit agreements… read more


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