Your Path to a Better Credit Score Starts Here
Partner with our dedicated consultants to understand, manage, and improve your credit. We provide a clear, personalized action plan for your financial well-being.
Improve your score and better your chances to getting credit!
Get Your Personalized Credit Score Action Plan
Our comprehensive action plan is the roadmap to a better credit score. We analyze your reports and provide a clear, prioritized guide to address negative listings and build a cleaner credit report and a higher credit score.
It's as easy as 1, 2, 3!
Get your Action plan
Purchase your plan and get a tailored analysis of your credit report.
File your disputes
Follow our simple step by step guide to disputing incorrect data.
Get results!
Watch your credit score improve as incorrect listings are updated
Get Professional Intervention!
While our Action Plan empowers you to manage your credit, our consultant-led service takes the entire burden off your shoulders. We leverage our expertise and established processes to navigate the complexities of credit bureaus and creditors, maximizing your chances of success.
Expert Representation
Our consultants act on your behalf, applying deep knowledge of the National Credit Act and bureau procedures to effectively challenge inaccuracies.
Meticulous Process
We handle every step: from in-depth analysis and evidence gathering to drafting professional dispute letters and managing all correspondence.
R250 per dispute submitted.
POPIA Compliant
Your personal information is handled with the utmost confidentiality and security, strictly for improving your credit score.
Real, Experienced Consultants
You're not just a number. Our team of credit experts is here to guide you every step of the way.
NCA and NCR Compliant
We are fully compliant with the National Credit Act (NCA) and National Credit Regulator (NCR).
Personalized Action Plan
Receive a custom action plan tailored to your unique credit situation, giving you clear steps to follow.
As per NCR regulations, disputes take 20 business days to resolve.
How Credit Scores Work
A credit score is a number between 0 and 999 that represents your creditworthiness. A higher score means you're seen as a lower-risk borrower, which can lead to better interest rates and higher approval chances on loans, mortgages, and credit cards.
Under the National Credit Act, you are entitled to dispute any incorrect information on your credit report for free. You can do this by contacting the credit bureaus directly. However, the process can be complex and time-consuming. Our expertise and established relationships with the bureaus make it significantly easier and more effective.
South African Score Ranges
Excellent: 750+
You'll likely get the best interest rates and be approved for most credit products.
Good: 650 - 749
You have a good chance of being approved for loans and credit cards.
Fair: 600 - 649
You may be approved, but possibly with higher interest rates.
Poor: Below 600
It might be difficult to get new credit. This is where we can help.
Simple Plans, Total Clarity
Our comprehensive options gives you everything you need to start improving your credit score.
R189
once-off for your detailed plan
- Review of credit reports
- Identification of disputable items
- Drafting of dispute wording
- Step by step guide on submitting disputes
- Guide to handling verifiable items
- Tailored credit score improvement guide
R250
per dispute submitted
This administrative fee covers:
- Review of credit report data
- Tailoring dispute letter/form
- Preparing dispute documentation
- Collecting and organising supporting evidence
- Submitting disputes to credit bureaus
- Following up and communicating with bureaus/credit providers
Need help with Judgements or Debt Review?
Due to their legal complexity, these require a custom assessment. Chat with our consultants for a personalized quote.
Important Disclaimer
Action Plan Service: The Credit Score Action Plan is a standalone advisory service charged upfront. This fee covers the comprehensive analysis of your credit reports and the creation of your personalized strategy document.
Consultant Service Fees: The fee for our consultant service is an administrative fee for the tasks involved in preparing and submitting a dispute on your behalf. This fee is payable for each dispute submitted and is not contingent on the outcome of the dispute.
Legal and Third-Party Fees: For services that require legal intervention, such as Debt Review removal, our fee includes associated lawyer costs. Please be advised that any fees paid directly to legal representatives for their services are non-refundable, regardless of the outcome.
Guarantees: While we apply our full expertise and effort to every case, the removal of listings is not guaranteed as the final decision rests with the credit bureaus and creditors. The consultant service fee is for the administrative work performed and is non-refundable.
Timeline for Results: Please be aware that the credit clearing process is not immediate. The timeline for seeing results can vary, but typically ranges from one (1) to three (3) months, depending on the complexity of the case and the responsiveness of credit bureaus and creditors.
Our Role: We are NOT debt counsellors, alternative dispute resolution consultants, or financial advisors. Our service is to provide expert advice, guidance, and administrative assistance based on our experience with credit bureau processes. Any information provided should not be construed as financial or legal advice. We recommend consulting with a qualified financial advisor for personalized financial planning.