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Credit Health Checker

Get a qualitative picture of your credit health based on the same factors lenders consider. No numerical score — NCA compliant.

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.

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