MONITOR YOUR CREDIT SCORE
Thanks to the National Credit Act, you’re entitled to one free credit report per year from each credit bureau. After that, extra reports might cost a small fee. You can see the list of registered bureaus, like XDS, on the National Credit Regulator’s site: www.ncr.org.za.
With Splendi (powered by XDS), you can check your credit report for free.
Pro tip: Don’t just check one bureau. We recommend getting reports from at least the top three so you can compare and make sure the info is accurate across the board.
Check Your Credit Report Regularly
Why it matters: Mistakes or fraud can tank your score without you even knowing.
How to do it: Get your free annual reports, look for anything suspicious or wrong, and dispute it immediately. Staying on top of your credit history is one of the easiest ways to protect your score.