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Credit Health Checker — South Africa

Check and understand your credit health. Learn what your credit score means and how to improve it.

Last updated: May 2026

Payment Behaviour

Credit Profile

Results

Payment Behaviour

How would you describe your payment history?

Always pay on time

Occasionally late (1–2 times per year)

Often late (3+ times per year)

Rarely or never pay on time

Missed payments in the last 12 months

Accounts currently in arrears

I have an adverse listing (default, debt review, etc.)

A credit bureau has a negative flag on your profile from a lender.

I have a judgment or sequestration order against me

A court has issued a civil judgment or sequestration (formal insolvency) order.

NCA Compliance Notice: This tool provides a qualitative credit health indication only. It is not a credit assessment, credit report, or creditworthiness determination under the National Credit Act (Act 34 of 2005). No data entered here is stored, shared, or transmitted to any credit bureau. For your official credit report, contact TransUnion, Experian, or XDS directly — you are entitled to one free report per year.

Assesses your credit health based on your debt-to-income ratio, monthly debt service cost, and number of active credit accounts — giving you a health score and actionable guidance.

Key inputs explained

Gross monthly income: Your income before tax — this is the basis most lenders use for affordability assessments.
Monthly debt payments: All minimum repayments: home loan, vehicle, personal loans, credit cards, store accounts.
Total outstanding debt: The sum of all balances still owed.

A debt-to-income ratio above 40% is a significant red flag for lenders. If your total monthly debt repayments exceed 40% of your gross income, you're likely overleveraged.

Debt Payoff Calculator