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Step 8 : Pay Off Debt My Credit Score
Lesson 1, Topic 1
In Progress

My Credit Score

Mary J

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We take our work seriously and we also believe that Life is about experiences and enjoying it to the fullest, so we value a way of living that honours work, rest, exercise and play. 

MENU

  • Home
  • About Us
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Menu
  • Home
  • About Us
  • Courses & Memberships
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FREE RESOURCES

  • The 8 Money Skills of Millionaires eBook
  • The 8 Money Skills of Millionaires Course
  • Free Webinars
  • Blog

Contact Us

  • +27824555919
  • Email Us
  • MON-FRI 09:00- 17:00
  • Cape Town, ZA
  • Online, Globally
MJF Wealth (Pty) Ltd is an authorized FSP48028 trading as My Journey 2 Freedom.
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Forum Description

Part of being an adult and engaging with the monetary system that exists in South Africa, is that financial institutions keep a record of your debt and your behaviour with regards to paying that debt back and share this information to a central registry. This central registry collates all this data into a single profile of your debt. We call this a "credit score" or "credit report". Whenever you apply for a new debt, the financial institution who is considering loaning you money will be able to access your credit profile and will use this to build a story about you and whether they can take the risk of loaning you money and trust that you will pay it back.

Your Rights

It's your right to be able to access the information on your credit report so that you can know how you're being rated and take control of your rating through owning your behaviour in paying your debts back. It's also beneficial to be able to check that your information is being recorded accurately, that you have not been the victim of an identity scam or credit fraud where someone else has taken on debt in your name, and that any accounts or debts you pay off are closed and recorded as being paid off.

Your Options

There are many different company's that track and monitor your financial information pertaining to debt and provide you access to such information. We're going to share two options below.
ClearScore
ClearScore is a free online portal through which you can get your credit score as well as list of all debts recorded against your name. It also offers tips around the factors used to calculate your score, and how you can improve it. Disclaimer : This website does try to sell you new financial products including credit cards and loans. We ONLY recommend using it for the purposes of getting an idea of your score and looking at the data used to calculate such. We DO NOT recommend that you take up any of the offers they will tempt you with. We also recommend you go to "Account", "Communication" and disable the communications about 'Features & News', 'Product Offers' and 'Research'.
TransUnion
TransUnion provides a free credit report once a year where you can get a comprehensive report about all of your debt information.

To Consider

Was there anything about your credit score or credit report that surprised you? When you're ready, "Mark Complete" to finish this topic and go back to "Mark Complete" the Lesson on Debt.
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