Your latest credit score
Splendi calculates your up-to-date credit score each time you log in, free of charge.
Splendi is a free South African credit wellness platform. It shows your latest credit score every time you log in, brings your accounts and loans into one place, and gives you tools to manage, protect and improve your credit reputation. Splendi is a product of the Mettus Group, and its credit data is powered by XDS.
Splendi was designed with your credit health at the centre. It combines up-to-date credit data with simple tools, so you always know where you stand.
Splendi calculates your up-to-date credit score each time you log in, free of charge.
See your open accounts and loans together, with your risk profile and the percentage of debt used and paid back.
Track 24 months of account history and know when a new account opens in your name or an account falls into arrears.
Practical pointers and real-life financial scenarios to help you make smarter credit decisions. Browse Cred-Ed
Score Lab lets you test a financial decision before you make it, plan for it, and get answers along the way. It’s free to start, and some features unlock with a subscription.
Try Score Lab for freeKnowing where you stand is the first step to growing and protecting a credit profile that supports your future goals.
We built Splendi so South Africans can check their credit health for free, understand what drives it, and take practical steps to improve it.
Splendi is a product of the Mettus Group. The credit information you see in Splendi is powered by XDS, a South African credit bureau.
Splendi is a free South African credit wellness platform. It gives you your latest credit score every time you log in, shows all your accounts and loans in one place, and offers tools such as Score Lab and Cred-Ed resources to help you manage, protect and improve your credit.
Yes. Splendi gives you your up-to-date credit information for free, anytime you choose. Score Lab is also free to start, and some of its features unlock with a subscription.
Splendi’s credit data is powered by XDS, one of South Africa’s four credit bureaus. XDS is registered with the National Credit Regulator and follows the National Credit Act.
Splendi calculates your latest credit score each time you log in.
Yes. Splendi uses the Presage V3 score, so you get a credit score even if you have no open accounts. You can also see accounts that have been open for less than three months.
No. Checking your own credit score is not the same as applying for credit, so it does not lower your score.
Score Lab is a set of Splendi tools that lets you simulate how a financial action could affect your score, build a budget plan to reach that goal, and ask an AI Assistant for guidance. It is free to start, and some features unlock with a subscription.
Splendi is a product of the Mettus Group, based at Atrium on 5th, Sandton City, Johannesburg.
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