Your Credit Score and Job Applications: What Employers Might See

It might surprise you, but in South Africa, some employers run credit checks before hiring, especially for jobs in finance, security, or management. It’s not about how much you earn, but how responsibly you handle money. If you’re job-hunting, especially as a young person, it helps to know how your credit profile might come into […]
What Happens If I Miss a Payment?

We’ve all had tight months or forgotten bills. But when it comes to credit, missing even one payment can affect your score. The good news? You can bounce back quickly if you act fast and stay informed. Let’s break down what happens when you miss a payment and how to recover. The Impact of a […]
How to Read a Credit Report (Without Falling Asleep)

When you first see your credit report, it might look overwhelming, but it’s actually one of the most important documents you’ll ever read. Think of it as a snapshot of your financial behaviour. It shows lenders whether you’re responsible with money or not. In just a few minutes, you will learn how to read your […]
Common Credit Scams: How to Protect Yourself as a Young Adult

Scams Are Getting Smarter, So Should You As more young South Africans go online and apply for credit, scammers are watching closely. Whether it’s fake loan offers, phishing messages, or identity theft, fraud can wreck your credit before you’ve even built it. The good news? A little knowledge goes a long way in keeping your […]
Building Credit from Scratch: A Guide for First-Time Users

New to Credit? You’re Note Alone! Starting out with no credit history can feel confusing, but it doesn’t have to be. Think of your credit score as a trust score that you build over time by showing you can manage money responsibly. Whether you’re a student, recent graduate, or just starting your financial journey, start […]
The Most Common Credit Mistakes Young Adults Make

Learning Credit Lessons the Easy Way When you’re just starting out, it’s easy to fall into bad credit habits, especially when nobody teaches you how it all works. The good news? These mistakes are easy to avoid if you know what to look out for. Let’s break down the common credit mistakes young South Africans […]
Why Young South Africans Should Care About Their Credit Score

What’s the Big Deal About Credit at Your Age? Your credit score is a three-digit number that can impact your entire financial journey, even before your first full-time job. In South Africa, lenders, landlords, and even some employers use your credit profile to assess your trustworthiness. Even if you’re still in studying or working part-time, […]
Splendi’s R20 PDF Credit Report: Transforming the Way You Manage Your Credit

In a financial landscape where understanding your credit is key to success, Splendi’s unique offer – a PDF credit report for just R20, stands out as a practical solution for empowered financial decision-making. This article explains why having a detailed, portable credit report can transform the way you manage your credit. Affordable and Accessible Tool […]
Actionable Tips: Using Your Credit Report to Improve Your Credit Health

Your credit report is more than an assessment tool; it’s a roadmap for achieving financial well-being. With a clear understanding of its contents, you can take actionable steps to improve your credit health. In this article, we share practical tips and proven strategies to help you turn insights into improvements. Regularly Review and Monitor your […]
Decoding Your Credit Report: What Information It Contains and What It Means for You

Your credit report may initially seem like a jumble of numbers and technical terms, but each section holds vital information about your financial life. In this article, we’ll decode the various sections of your credit report and explain what they reveal about your financial health. Personal Information The first part of your credit report contains […]