07/04/2024
We speacilize with the below
Credit analysis
Credit check will draw up your Credit Bureau status from 3 Credit Bureaus(transunion,experian, xds) and then do a full credit analysis. We focus on your problem areas and offer solutions on how to solve them and get you back to a financial creditworthy status.
-Reduce settlement negotiations with creditors
Credit check can negotiate reduced settlement discounts with your creditors, This gives you huge savings on outstanding accounts and makes it easy for us to be able to update your credit status speedily. We have saved many clients thousands of rands in this way. We have, for example, managed to obtain clients up to 50% discount on their outstanding accounts.
-Credit disputes
You can dispute an error on your credit report with us or the credit ombudsman.
-If you’ve spotted an error on one of your credit reports, you should take immediate steps to correct the inaccuracy as this will affect your buying power
-Most South African consumers found errors that could affect their credit scores in one of their credit reports, Many have contacted us about the incorrect credit report and we disputed the mistakes on their behalf, the disputed items where taken off within 30 days. Incorrect information on your credit reports could lead to lower credit scores and impact your ability to open a new credit account or get a loan.
-Reduced monthly re-payments with creditors
Debt problems? we can help, we will contact your creditors directly and make arrangements with them so that you can pay reduced monthly affordable payments without the stress of having to negotiate with the creditor directly.
Direct reporting to the Ombudsdman(Credit, Banking, Fais, NCR, etc.)
We will refer any unresolved disputes, should the need arise, to the relevant Ombudsman for investigation and ruling.
Termination or removal of debt review
Credit check can update or clear debt review red flagging on your credit report. If your debt review was made an order of court, an application to rescind the debt review order must be made to court. Once the debt review order is rescinded, payments in respect of any outstanding accounts will then be made directly to the creditors by way of negotiated payment arrangements if you are not already doing so. If your debt review was not made an order of court, then an application must be made to court to declare that you are no longer over- indebted.
Updating Credit Records to reflect positively
Your credit worthiness is an important factor when it comes to home loans, credit card, vehicle finance, better job opportunities and so much more.We will ensure paid-up defaults and judgments are removed, as well as having payment profiles updated and removed to reflect the correct status of your creditworthiness. In this way, you will be financially free to apply for credit and even buy that house or car you have been dreaming of.
