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Check your credit score anytime for free

A good credit profile can improve your chances of qualifying for a loan when you need it. To see where you stand, sign up for our CreditView tool, and you’ll get access to your credit score and other factors that make up credit reports. Registration is free, and you can access your dashboard at any time, making it easy to keep a finger on the pulse of your financial health.
CreditView is your do-it-all credit health tool
Why is your credit score important?

Banks, lenders, and retailers use your credit score along with other aspects of your financial history to determine how dependable you are in repaying your debt. If you keep up with repayments and stay well within your credit limit, you’re likely to receive a good score. On the other hand, if you miss repayments and max out your credit card, you can expect a low score.

Lenders will typically look at your current score as well as your credit history – up to several months back when assessing your creditworthiness. What this means is that a poor track record can result in you not qualifying for further credit, whereas a consistently good score can help you secure a home loan, vehicle finance, credit card, or personal loan.

An infographic displaying the credit score range and what the numbers represent.



TransUnionWant to know more about credit scores?

We answer some common questions about credit scores in South Africa

    Your credit score is a three-digit number that acts as a measure of your credit-worthiness to lenders. A high score indicates a low-risk borrower, while a low score means a high-risk borrower.

    Your credit report is a detailed account of your credit history, whereas your credit score is a number that indicates your credit-worthiness.

    In the Delphi system used by Experian, a score between 550 and 600 is considered good while a score between 600 and 650 is considered very good. A score above 650 is excellent.

    To improve your credit score, avoid paying late or missing payments. Staying well within your credit limit, avoiding taking on excessive or unnecessary debt, and exhibiting responsible spending behaviour in general can also improve your score.

Get in the know about credit scores

Here are some resources to help you learn more about credit scores in South Africa.