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Features
Keep your credit score on track
- Track your account activity, interest rate payments and account fees
- Check if you can consolidate your credit and free up cash flow
- Explore suitable financial products
- Speak to a credit coach and use our budget tool to track your spending
- Keep your accounts secure by monitoring for suspicious activity
how it works
Get credit in 3 easy steps
- RegisterRegister in a few simple steps and get ready to navigate towards a better credit rating.
- Get your dashboardCheck your credit score, credit history and recommendations all on one convenient dashboard.
- Talk to a coachTalk to a credit coach by phoning us, requesting a call back, or simply chatting online.
faqs
Need to know more?
Why is it important to check your credit profile regularly?
Every month, thousands of South Africans have accounts fraudulently opened in their names. It’s up to you to check that this doesn’t happen to you.
43% of South Africa’s 25 million credit-active consumers are behind on payments for at least one account. If you don’t regularly review your credit profile, you might not realise you’re falling behind.
15 000 South Africans dispute entries on their credit records each month. Monitor your credit profile to make sure there aren’t faulty entries or suspicious activities.
Who uses my credit score and why?
Prospective lenders and credit providers use your credit score to determine your ability to repay them. The credit score is normally determined by your payment history, the total debt owed, the length of time you have had debt and the number of recent credit applications. Based on your credit score, you will either be granted or denied credit in the form of loans, credit cards, bonds, store accounts and even cellphone contracts.How can I maintain or improve my credit score?
The best way to improve a poor credit score, or maintain a good one, is to pay off your debts on time, in other words, to pay what is due on or before the due date. Try to even pay more than what is required and make sure you never miss a single payment. Also only use debt for large and indispensable items (for example, home or car loans).Why is my credit score different on other reports?
Different companies use different credit bureaus to calculate credit scores. However, all the bureaus track your loan repayment history and debt to work out your score, so your credit score on your Sanlam Credit Profile shouldn’t differ too vastly from other scores.What is a credit score and a credit report?
A credit score is a value that represents your history of punctual repayments on credit accounts, but also the total debt owed, the length of time you have had debt and the number of recent credit applications. Late payments, a high number of credit applications, a high value of debt, and time will affect your score negatively. When it comes to time, normally the longer you have credit, the better.
A credit report is a more comprehensive summary of your credit history and credit score, detailing when and where you have applied for credit in the past 24 months, the current balance of your credit lines and the monthly instalment. It will also highlight if you have had a judgment or a default (this is a written off account).
Need help? Chat with a coach
He can also connect you with debt consolidation experts — whenever you’re ready!
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