Your credit report is one of the most important documents of your financial life. It holds the power to influence your access to housing, finance, interest rates—even employment in some cases. Yet many South Africans are unaware of what’s on their credit report, how to interpret it, or how to fix errors.

At data-start=”1186″ data-end=”1195″>DCGsa, we believe no one should have to face this alone. That’s why we offer free credit checks and one-on-one guidance to help you take control with confidence. If you need your credit report explained, we can help.

A credit report is a detailed record of your credit history, compiled by credit bureaus.
It shows:

Your credit score is a number (usually between 300–850) calculated from the data in your credit report. It reflects how risky—or trustworthy—you are seen as a borrower.

Typical South African ranges:

Even responsible consumers fall into these traps:

Understanding your credit report isn’t just about reading it—it’s about knowing what it means and what to do next. Here’s how we help:

A default or judgment can lower your score and affect your ability to rent, get credit, or even secure a job. These don’t go away automatically. But with help, they can be:

✅ Disputed if inaccurate

✅ Paid off and updated

✅ Cleared through the debt review process (defaults / negative data)

✅ Removed after a certain period (time depends on if it is a default or a judgement)

📞 Need help right now? WhatsApp us at 061 432 8499, Call 086 1001047 or email help@dcgsa.co.za

How often can I check my credit report for free?
Once a year per bureau. DCGsa helps you get extra checks when needed.

Does checking my credit score lower it?
No. A “soft inquiry” for personal use doesn’t affect your score.

What if I’ve never had credit before?
You may have a “thin file” or no score—DCGsa can help build a healthy credit profile from scratch.

Will Debt Review appear on my credit check?
Yes, when you are under debt review it will show that you are under voluntary debt restructuring and will show the debt counsellor you are listed under.