Credit Report

You have the right to one free credit report per year as kindly provided for in the National Credit Act. If you have a poor credit record and you gain access to further debt it can be considered reckless.

If you have a poor credit profile score your application for credit will most likely be rejected. The rejection is also recorded on your credit profile and reduces the score even further.

Knowing what your credit profile looks like will improve how you manage your credit facilities and debt.

A credit report is a visual representation of your credit profile which is a record of how you have paid your debt obligations over the past 24 months.

We have answered some general questions.