Credit Score

Learn how to restore and improve your credit record after sequestration in South Africa. Understand debt review removal, judgments, rehabilitation, and rebuilding your credit score.

Learn what a court judgment is, how it impacts your credit score, and why it blocks access to finance in South Africa. This post explains the five-year listing rule under the National Credit Act and outlines key ways a judgment may be removed earlier, including settlement, rescission, disputing incorrect listings, and rehabilitation after sequestration.

A step-by-step guide to improving your credit score: get your free annual credit reports, spot errors, dispute incorrect listings, and protect yourself against possible identity fraud. It also covers practical strategies like paying accounts on time, reducing credit utilisation, and limiting credit applications to avoid unnecessary credit enquiries that can lower your score.