Stay score-strong, safety-aware and credit-secure

Your credit bureau status isn’t just about your score. It’s also about your safety.

Checking it regularly helps you protect your identity and catch fraud before it spreads, while seeing how credit providers see you.

A free credit check with Finance365 gives you your full credit report, anytime. This gives you the full picture of your finances, which can help you strengthen your score and make sure your personal information stays safe.

The process has two parts: The Rise and The Routine. The Rise helps you build your credit up. The Routine helps you keep it that way.

THE RISE: IMPROVE YOUR SCORE AND SECURE YOUR INFORMATION

Building a stronger credit score starts with steady actions that show you are responsible in how you manage your money.

Some simple ways to raise your credit score include:

Paying on time, every time. Even one missed payment can set you back.

• Keeping balances low. Try to use less than 10 percent of your available credit.

• Not closing old accounts. They show a longer credit history and boost your score.

• Limiting new credit. Too many applications at once can make you look high-risk.

At the same time, you can protect your information by keeping control over where it’s shared and how it’s used.

Ways to protect your information


Your credit report is a record of your financial identity, so treat it like private data.

• Use trusted sites only. Always ask for your free credit check through verified bureaus or secure Finance365 links.

• Never share your ID or login details with anyone who contacts you unexpectedly. No exceptions.

• Use strong passwords and change them often.

• Watch for unfamiliar accounts or enquiries. Report them to credit bureaus immediately if you spot these or anything that looks suspicious.

• If you’re a victim of identity theft, ask all the bureau to freeze your credit while it’s investigated.

THE ROUTINE: MAINTAIN MOMENTUM AND PROTECT YOUR PRIVACY

Good credit is not built once and for all! It is maintained through basic finance habits that keep your financial reputation healthy and your personal information secure.

On this note, your credit report holds your sensitive finance data. Credit bureaus must follow laws such as POPIA and the National Credit Act, which set strict rules on how your information is stored and shared. Only verified credit providers, courts, or service companies can access it for valid reasons.

Finance365 adds extra protection through encrypted systems and privacy-first tools that keep your information secure from request to report.

Still, the best protection starts with you. Be aware of where your details go and how they’re being used. If you think your credit information has been misused, report it to all credit bureaus immediately.

From Rise to Routine with regular success

Good credit comes consistently from your attention. Rise and build your score with steady action. Then keep the momentum moving with Routine to keep your credit safe through regular checks and smart habits.

Bringing the two parts together puts you in control of both your credit score and your personal information.

It’s not complicated either. Begin checking your credit status with your free credit score from Finance365, then get and check your full credit report. Keep going by using our credit-score monitoring tools to stay alert of any changes.

As your friend in finance, we’re your link to every major credit bureau in South Africa. Your good credit matters to us.