24 February 2021
When you apply for a loan, your prospective creditor will assess whether you can afford the monthly repayments. But what do creditors actually consider on your credit report, and what most interests them?
8 February 2021
When purchasing a home, you’ll often be advised to make a down payment to reduce interest and the amount you’ll pay back for the loan. Unfortunately, not everyone can afford this deposit right away and some resort to taking out a p...
24 January 2021
We often hear from financial experts that we should improve our credit score because it puts us in good stead with the credit providers – and it really does. When you have a good credit score, you’ll be in a favourable position to ...
14 January 2021
When you buy your first home, you need to make sure you’re in a secure financial position so that you can stay afloat in spite of your increased financial responsibility. But are you aware of all the costs you’ll have to carry?
6 January 2021
Every month you diligently pay your creditors, but when you check your credit score, you notice that your credit report remains unchanged. After enquiring about your credit score, you find out that your creditor hasn’t reported your ...
24 December 2020
When you take out a credit agreement, it often includes credit life cover to settle your outstanding debt in dire circumstance. Cover conditions include, for example, retrenchment or the onset of disability. But this cover does come at a cost, s...
13 December 2020
With the cost of living ever increasing, honouring your credit agreements can be difficult. However, it’s essential to make your repayments on time, as failing to do so will damage your credit score, and your ability to obtain further cre...
12 December 2020
When we talk about borrowing money, terms like the repo rate and the prime lending rate tend to come up. But what are they and how do they affect you?
8 December 2020
If your creditor does not follow the proper protocols when offering you credit, they may be guilty of reckless lending. As a result, your credit record may suffer a blow. If this happens to you, how can you address it?
29 November 2020
Nowadays, the process of attaining credit has become easier and faster. Although applying for, and receiving cash on the same day may excite potential lenders, it doesn’t come without serious repercussions if you’re not wise.
17 November 2020
You have the right to choose your own credit life cover provider. But how long will it take to do this, and is it worth the effort?
15 November 2020
It’s tempting to be anxious when thinking about credit cards or loan repayments. However, having and living with credit is not a bad thing, if you manage it responsibly and approach it proactively. One way to do this is to secure low inte...
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