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Consumer Fundi

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Consumer Fundi, Credit Counseling Service, Parktown, Johannesburg.

Consumer Fundi is an Alternative Dispute Resolution Agent, registered with the National Credit Regulator, , with a team of registered debt counsellors & professionally experienced case managers for all credit profile dispute services.

04/11/2026

🚨 𝗦𝗖𝗔𝗠 𝗔𝗟𝗘𝗥𝗧 🚨

Social media is flooded with ads claiming: "Blacklisted? We clear your name in 24 hours guaranteed for R850."

Here is the cold, hard truth: nobody on earth can legally wipe legitimate listings from a credit bureau overnight.

𝗛𝗼𝘄 𝗿𝗲𝗮𝗹 𝗱𝗶𝘀𝗽𝘂𝘁𝗲 𝗿𝗲𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝘄𝗼𝗿𝗸𝘀:

❌ No legitimate ADRA or agency charges cash upfront for overnight profile clearing.
❌ Bureaus are legally required to verify documentation with credit providers, which takes up to 20 business days.

✅ Legal removal requires valid grounds: a settled debt still showing open, proof of prescription, or procedural errors by the lender.

If someone promises a magic button to erase your debt record, they are taking your money and running.

Seen an ad like this or paid someone who vanished?

𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯. Consumer Fundi (Pty) Ltd is an NCR-registered Alternative Dispute Resolution Agent (NCRADRA12). General information only, not legal advice.

02/11/2026

𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝗶𝘀 𝗼𝗳𝗳𝗶𝗰𝗶𝗮𝗹𝗹𝘆 𝗵𝗲𝗿𝗲, 𝗮𝗻𝗱 𝗖𝗵𝗿𝗶𝘀𝘁𝗺𝗮𝘀 𝗶𝘀 𝗷𝘂𝘀𝘁 𝟳 𝘄𝗲𝗲𝗸𝘀 𝗮𝘄𝗮𝘆. ⏳

Most December financial stress doesn't start in December—it starts now, when we wait for the late-November paycheck and leave festive travel, groceries, gifts, and January school supplies to chance.

𝟯 𝘀𝗶𝗺𝗽𝗹𝗲 𝗺𝗼𝘃𝗲𝘀 𝗳𝗼𝗿 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:

1️⃣ 𝗟𝗶𝘀𝘁 𝘆𝗼𝘂𝗿 𝗳𝗶𝘅𝗲𝗱 𝘆𝗲𝗮𝗿-𝗲𝗻𝗱 𝗰𝗼𝘀𝘁𝘀: transport/petrol home, year-end gatherings, school supplies for January.

2️⃣ 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗲 𝘁𝗵𝗲 𝗴𝗮𝗽: subtract what you have already set aside from what you'll actually need.

3️⃣ 𝗧𝗿𝗶𝗺 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝘀𝘄𝗶𝗽𝗲: decide right now what you will NOT spend money on this month.

Small steps taken today mean you actually get to enjoy December without dreading January.

Want clarity on where your credit and finances stand before year-end?

𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

30/10/2026

𝗧𝗼𝗺𝗼𝗿𝗿𝗼𝘄, 𝟯𝟭 𝗢𝗰𝘁𝗼𝗯𝗲𝗿, 𝗶𝘀 𝗪𝗼𝗿𝗹𝗱 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗗𝗮𝘆. 🏦

So let's make it real. What's the ONE thing you're saving for?

🏠 𝗔 𝗵𝗼𝗺𝗲
🚗 𝗔 𝗰𝗮𝗿
🛟 𝗔𝗻 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱
🎓 𝗬𝗼𝘂𝗿 𝗸𝗶𝗱𝘀 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻
🎉 𝗕𝗲𝗶𝗻𝗴 𝗱𝗲𝗯𝘁-𝗳𝗿𝗲𝗲 𝗯𝘆 𝟮𝟬𝟮𝟳

Tell us in the comments. Writing a goal down helps you stick to it.

And if your credit is standing between you and that goal, 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯. Let's fix that first.

28/10/2026

🚨 𝗦𝗖𝗔𝗠 𝗔𝗟𝗘𝗥𝗧: 𝗳𝗮𝗸𝗲 𝗱𝗲𝗯𝘁 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗼𝗿𝘀 🚨

The festive season is peak time for scammers pretending to be debt collectors. They threaten, rush you and demand payment today.

A real debt collector must be registered with the Council for Debt Collectors. Before you pay anything:

✅ 𝗔𝘀𝗸 𝗳𝗼𝗿 𝘁𝗵𝗲𝗶𝗿 𝗿𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗻𝘂𝗺𝗯𝗲𝗿 𝗮𝗻𝗱 𝗰𝗵𝗲𝗰𝗸 𝗶𝘁
✅ 𝗔𝘀𝗸 𝗳𝗼𝗿 𝗮 𝘄𝗿𝗶𝘁𝘁𝗲𝗻 𝘀𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁 𝘀𝗵𝗼𝘄𝗶𝗻𝗴 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲 𝗱𝗲𝗯𝘁 𝗶𝘀 𝗮𝗻𝗱 𝘄𝗵𝗼 𝗶𝘁'𝘀 𝗼𝘄𝗲𝗱 𝘁𝗼

❌ 𝗡𝗲𝘃𝗲𝗿 𝗽𝗮𝘆 𝗶𝗻𝘁𝗼 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁
❌ 𝗗𝗼𝗻'𝘁 𝗴𝗶𝘃𝗲 𝗶𝗻 𝘁𝗼 𝘁𝗵𝗿𝗲𝗮𝘁𝘀. 𝗖𝗼𝗹𝗹𝗲𝗰𝘁𝗼𝗿𝘀 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗵𝗮𝗿𝗮𝘀𝘀 𝗼𝗿 𝗶𝗻𝘁𝗶𝗺𝗶𝗱𝗮𝘁𝗲 𝘆𝗼𝘂.

Got a call that doesn't feel right? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 and we'll help you check.

26/10/2026

𝗣𝗮𝘆𝗱𝗮𝘆 𝗷𝘂𝘀𝘁 𝗹𝗮𝗻𝗱𝗲𝗱. 𝗕𝗲𝗳𝗼𝗿𝗲 𝗶𝘁 𝗱𝗶𝘀𝗮𝗽𝗽𝗲𝗮𝗿𝘀, 𝗱𝗼 𝘁𝗵𝗶𝘀 𝗶𝗻 𝗼𝗿𝗱𝗲𝗿: 💸

1️⃣ Pay your debt instalments first. Missed payments now can show up on your credit report for a long time.
2️⃣ Move your festive money into a separate savings pocket. Out of sight, out of reach.
3️⃣ Then spend what's left.

Most of us do it the other way around, and wonder where the money went.

There's only one more month-end payday before December. Make this one count.

Want help building a plan that works? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

23/10/2026

𝗔 𝗰𝗮𝘀𝗲 𝘄𝗲 𝘀𝗲𝗲 𝗮𝗹𝗹 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲. 📁

Someone applies for a car loan. They're declined. They can't understand why, because they're paying everything on time.

We pull their credit report together and find it: an old store account they settled more than a year ago, still showing as in default.

The listing is disputed with the credit provider and the bureau, with proof of settlement. Once it's corrected, their profile reflects the truth, and they can apply again.

The lesson? Paying a debt is step one. Making sure your report shows it is step two.

Declined and not sure why? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

This is an illustrative example based on common cases. Outcomes depend on each person's circumstances. Consumer Fundi (Pty) Ltd · NCRADRA12.

21/10/2026

MYTH: Checking my credit score will drop it. 🙅

𝗙𝗔𝗖𝗧: 𝗖𝗵𝗲𝗰𝗸𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝘀𝗰𝗼𝗿𝗲 𝗼𝗿 𝗿𝗲𝗽𝗼𝗿𝘁 𝗵𝗮𝘀 𝗻𝗼 𝗲𝗳𝗳𝗲𝗰𝘁 𝗼𝗻 𝗶𝘁. 𝗬𝗼𝘂 𝗰𝗮𝗻 𝗰𝗵𝗲𝗰𝗸 𝗶𝘁 𝗮𝘀 𝗼𝗳𝘁𝗲𝗻 𝗮𝘀 𝘆𝗼𝘂 𝗹𝗶𝗸𝗲, 𝗮𝗻𝗱 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱.

What can affect it is when lenders check your credit because you've applied for credit. Lots of applications in a short time can count against you, which is why applying at five stores in one weekend is a bad idea, especially before December.

Know your score before you apply. 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 and we'll help you understand yours.

19/10/2026

𝗬𝗼𝘂 𝗽𝗮𝗶𝗱 𝗶𝘁 𝗼𝗳𝗳. 𝗦𝗼 𝘄𝗵𝘆 𝗶𝘀 𝗶𝘁 𝘀𝘁𝗶𝗹𝗹 𝘁𝗵𝗲𝗿𝗲? 🤔

South African regulations require credit bureaus to remove paid-up judgment information from your credit profile. But it doesn't always happen on its own, and a listing that should be gone can still get you declined.

What you'll need:
📌 𝗣𝗿𝗼𝗼𝗳 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲 𝗷𝘂𝗱𝗴𝗺𝗲𝗻𝘁 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗽𝗮𝗶𝗱 𝗶𝗻 𝗳𝘂𝗹𝗹
📌 𝗔 𝗰𝗼𝗽𝘆 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗹𝗮𝘁𝗲𝘀𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗲𝗽𝗼𝗿𝘁

Then the listing can be disputed and removed.

Not sure if something on your report should still be there? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

Consumer Fundi (Pty) Ltd is an NCR-registered Alternative Dispute Resolution Agent (NCRADRA12). General information only, not a credit assessment.

16/10/2026

𝗢𝗻𝗲 𝘄𝗿𝗼𝗻𝗴 𝗹𝗶𝘀𝘁𝗶𝗻𝗴 𝗰𝗮𝗻 𝗯𝗲 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱 𝗮𝗻𝗱 𝗱𝗲𝗰𝗹𝗶𝗻𝗲𝗱. ❌➡️✅

We see it every week:
• 𝗔 𝗱𝗲𝗳𝗮𝘂𝗹𝘁 𝘁𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗻𝗲𝘃𝗲𝗿 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝗹𝗼𝗮𝗱𝗲𝗱
• 𝗔𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝘆𝗼𝘂 𝘀𝗲𝘁𝘁𝗹𝗲𝗱 𝘁𝗵𝗮𝘁 𝘀𝘁𝗶𝗹𝗹 𝘀𝗵𝗼𝘄𝘀 𝗮𝘀 𝘂𝗻𝗽𝗮𝗶𝗱
• 𝗔𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗼𝗽𝗲𝗻𝗲𝗱 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝗻𝗼𝘁𝗵𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁
• 𝗔 𝗽𝗮𝗶𝗱-𝘂𝗽 𝗷𝘂𝗱𝗴𝗺𝗲𝗻𝘁 𝘀𝘁𝗶𝗹𝗹 𝘀𝗶𝘁𝘁𝗶𝗻𝗴 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗽𝗿𝗼𝗳𝗶𝗹𝗲

Consumer Fundi is an NCR-registered Alternative Dispute Resolution Agent. That means we can formally take up disputes with the credit bureaus and credit providers on your behalf, with the National Credit Act behind us.

We start by pulling your credit report with you so we know exactly what's there.

𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 𝘁𝗼 𝗴𝗲𝘁 𝘀𝘁𝗮𝗿𝘁𝗲𝗱.

Consumer Fundi (Pty) Ltd · NCRADRA12 · consumerfundi.co.za

14/10/2026

𝗕𝗲 𝗵𝗼𝗻𝗲𝘀𝘁. 𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗱𝗮𝗺𝗮𝗴𝗲 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝗯𝘂𝗱𝗴𝗲𝘁? 👀

A 🎁 𝗚𝗶𝗳𝘁𝘀
B 🚗 𝗧𝗿𝗮𝘃𝗲𝗹𝗹𝗶𝗻𝗴 𝗵𝗼𝗺𝗲
C 🍖 𝗙𝗼𝗼𝗱 𝗮𝗻𝗱 𝗴𝗲𝘁-𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿𝘀
D 🎒 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝘀𝗰𝗵𝗼𝗼𝗹 𝗰𝗼𝘀𝘁𝘀

Drop your letter in the comments. We'll share practical tips for the winning answer next week.

Bonus points if you tag the friend who always says “this year I'm not overspending”. 😅

Address

Parktown
Johannesburg
2193

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 17:00

Telephone

+27873764813

Website

https://consumerfundi.co.za/

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