practical tips

Who keeps score, what moves it, how to read your report, how long negative entries legally stay, what "blacklisting" really means, and how to build a credit score from nothing — the whole South African credit system in one guide.

There is no single "good" number — TransUnion scores you out of 999, Experian out of 740, and the same person gets different scores at different bureaus. What the ranges actually mean, where the South African average sits, and the handful of habits that move a score up.