Are You Blacklisted? Here’s How to Find Out and What to Do

Are You Blacklisted? Here’s How to Find Out and What to Do

Have you recently been declined for a loan, phone contract, or retail account, and been told you’re “blacklisted”? It’s a term that can feel intimidating, but being blacklisted isn’t what it used to be. The credit landscape has changed. Today, blacklisting is less about a permanent status and more about how your credit profile appears […]

Top Tips for Effective Credit Score Repair

Top Tips for Effective Credit Score Repair

Nobody wants to be declined for credit, but it happens. One of the most common reasons? A low credit score. The good news? Your score isn’t permanent. Credit score repair is entirely possible with the right steps, smart habits, and a bit of time. In this guide, the Finance365 team walks you through five common […]

The Basics of Credit Management: What Every Consumer Should Know

The Basics of Credit Management: What Every Consumer Should Know

Let’s be honest, credit can feel complicated. But learning how to manage it well is one of the most important financial skills you can develop. Whether you’re opening your first bank account or preparing to buy your second home, your credit record has a big influence on what you can access and how much it […]

How Credit Bureau Reporting Affects Your Credit Score

How Credit Bureau Reporting Affects Your Credit Score

Your credit score is the one big number on which your financial well-being hinges, but where does it come from, and who’s got the say and sway? The answer lies with financial data institutions called credit bureaus. A credit bureau is an organisation that collects, maintains, and updates your credit-related information. In South Africa, the […]

Why Your Credit Score Differs at Each Credit Bureau (And What to Do About It)

Why Your Credit Score Differs at Each Credit Bureau (And What to Do About It)

Ever wonder why your credit score is different across TransUnion, Experian, or XDS? If you’ve checked your credit report through more than one credit bureau in South Africa, you may have been surprised to see different numbers pop up. Don’t panic, it’s completely normal. So why does that happen? Keep reading as we share three […]

Credit Management Tips: How to Take Control of Your Finances Today

Credit Management Tips: How to Take Control of Your Finances Today

In today’s fast-paced world, financial stress can be overwhelming, but the more control you have over your money, the more confident and resilient you’ll feel. That’s where smart credit management comes in. Whether it’s planning a milestone trip, supporting your family, or just having more peace of mind about tomorrow, staying on top of your […]

What Is a Good Credit Score in South Africa? Here’s What You Need to Know

What Is a Good Credit Score in South Africa? Here's What You Need to Know

Between juggling daily work deadlines and consistent personal commitments, we know that your credit score may be the last thing on your mind. At least, until the moment you apply for a loan, when it becomes the one measure that matters most. It’s important to check your credit score and credit report regularly. But even […]

How to Increase Your Credit Score Over Time: A Step-by-Step Guide

How to Increase Your Credit Score Over Time: A Step-by-Step Guide

Building a better credit score doesn’t happen overnight, but with the right steps, it’s absolutely possible. Whether you’re just starting your credit journey or trying to recover from past credit mistakes, it is possible to improve your score over time. In this guide, we break down how to increase your credit score with strategies you […]

Financial Wellness 101: Balancing Protection, Preparedness, and Rewards

Financial Wellness 101: Balancing Protection, Preparedness, and Rewards

Life insurance, funeral policies and rewards programmes all serve one core purpose: supporting your financial wellness. “What’s your plan?” It’s a question we hear throughout life, and for good reason. Planning is how we stay ahead of life’s uncertainties. A big part of that is understanding the financial tools designed to help us find balance: […]

How to remove negative listings from your credit report

How to remove negative listings from your credit report

You check your credit report, and there it is: wrong information. Maybe it’s a judgment you didn’t even know about, or an old debt you thought was paid and cleared. Whatever it is, it’s now standing between you and your goals, whether that’s a basic store account, or a big home loan. What’s important to […]

Step-by-step guide to removing negative listings from your credit record

Step-by-step guide to removing negative listings from your credit record

Your credit record plays a big role in your everyday finances, so it can be worrying if you find negative information listed under your name. If you’re in this situation, don’t lose hope because the good news is that there are ways to fix it. WHAT YOU NEED TO KNOW: Credit bureaus like XDS, TransUnion, […]

Debt Review Removal Explained: How to Clear Your Name from Debt Review

Debt Review Removal Explained: How to Clear Your Name from Debt Review

Debt can feel like deep waters, but debt review is designed to help you stay afloat and find your way back to financial stability. Here’s some helpful information, including steps on how to remove your name from debt review. The structured financial relief process known as debt review ensures manageable repayments while protecting you from […]

How to get a credit score and start building your financial future

How to get a credit score and start building your financial future

If you had complete control over your financial future, what would it look like? Would you launch your own business? Buy your first home? Travel to new destinations in a car you own? You may have more control than you realise, as a good credit score is one of the most powerful financial tools available […]

How to build your credit score quickly: Tips that work

How to build your credit score quickly: Tips that work

Building your credit score from zero can feel scary, but it can also give you a sense of achievement.  You know, that feeling when you landed your first job and were finally able to buy the thing you’d always wanted. It’s an empowering moment that sets the stage for exciting future financial opportunities.  But how […]

Get your credit record: Tools and tips for South Africans 

Get your credit record: Tools and tips for South Africans

Your credit record is your financial ‘selfie’. So, make it your best one because if it’s good, it can get you closer to your lifestyle goals, whether that is buying your dream home, being financially secure for the family, upgrading to a reliable car or covering additional insurance for the furkids.  But first, what is […]

Finance365 explains credit bureaus and their role in financial health

Finance365 explains credit bureaus and their role in financial health

Meet the credit bureau. Everyone’s helpful, informed friend you didn’t know you needed until you applied for your first bank loan.  You may wonder, exactly what is a credit bureau? If you’re exploring buying a car, applying for a loan or looking to add to your financial knowledge, it’s useful to understand more about the […]

What is a credit score and why does it matter?

What is a credit score and why does it matter?

If you’ve ever applied for a store account, bank account, or any type of loan, your credit score may not have come up in conversation directly, but behind the scenes, it would have informed the finance team’s discussions about whether to approve or decline your application.  The influence of your credit score on most financial […]

What is a good credit score? A guide for South Africans

What is a good credit score? A guide for South Africans

Your credit score is your financial reputation put into one number, making it important to know if it is good or bad, because whether you’re applying for a loan or looking to rent or buy a house or car, it can open doors for you, or close them.  In this article, we focus on the […]

Finance365’s guide to understanding and checking your credit score 

Finance365’s guide to understanding and checking your credit score 

Your credit score is more than just another number to count, it’s the one you need to count on for your financial wellness.  This short guide to understanding and checking your credit score is for those times when managing your credit feels overwhelming. It outlines why your credit score matters and shows you how to […]

7 steps to improve your credit score 

7 steps to improve your credit score 

A good credit score is vital for financial wellness, but where should you start to achieve your best score? Here are seven practical tips to help you get closer to your target credit rating.  Step 1 – Know your credit score Before you can improve your credit score, you need to know your current standing. […]

Add Your Heading Text Here

Add Your Heading Text Here