These articles are general information and not financial, legal or tax advice. Rates, fees and rules change, so confirm current figures with the lender, the NCR or SARS before you act.
Your credit record affects whether you are approved and what interest rate you are offered. A few months of good habits can make a real difference.
- Get your free credit report. You are entitled to a free report from each credit bureau once every 12 months. Check it for errors.
- Dispute mistakes. Contact the bureau and the credit provider if anything looks wrong.
- Pay on time, every time. Set up reminders or debit orders for the due dates.
- Keep card balances low. Using a smaller share of your limit looks better to lenders.
- Avoid too many applications. Each application leaves a mark on your record.
- Clear small debts first. Fewer open accounts make your record simpler and your budget easier.
- Don’t ignore arrears. Speak to the credit provider early and agree on a plan.
General information only. Results vary and no tip guarantees a higher score.
Check your free credit report first. It costs nothing and shows you where you stand.