Credit articles
3 Actions that can harm your credit score
Questions about your credit score - answered!
This article is a one-stop guide for understanding your credit score; from why, how, and when it should be checked, to how it can be improved.
Personal loans – will you qualify for the amount you need?
A personal loan can help you achieve your financial goals - but you may qualify for less than you’d like, or need. We examine how lenders set lending limits.
Do you qualify for credit in South Africa?
Credit can empower you to realise your goals; however, qualification is not guaranteed. We explain what may disqualify you, and how you can change this.
Can banks reject your home loan because of “undesirable” location?
Location is one of the important factors that determine the value of your property. The more desirable the location, the higher the value of your property. But, can your home application be rejected because of location?
Defaulting - what does it mean, and what are the consequences?
Defaulting on repayments can have dire consequences. We examine what defaulting is, why it’s potentially serious, and how you can limit the damage.
Savvy questions to ask when choosing a personal loan provider
Understanding the terms and conditions of your personal loan is vital. We consider the questions you should ask before taking a loan from a credit provider.
How to find the best personal loan for you
Personal loans are not created equal, and the loan amount, while important, is not the only criterion you should consider.
How to use your store card responsibly
A store card is a convenient form of credit, but discipline is required. We consider how you can maximise the benefits, and avoid racking up debt.
Affordable housing – you could own a property
With affordable housing solutions and government subsidies, the goal of owning a home may be closer than you think. We explore the options.
Your rights when defaulting on a credit agreement
Defaulting on a credit agreement can damage your credit score, but you do have recourse and rights. We outline these.
How to raise a dispute with a credit bureau
Incorrect information may appear in your credit report – and you have a right to challenge it. We discuss how to raise a dispute with a credit bureau.