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
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
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
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)
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
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
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
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
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
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 […]
