Built for South African consumers

Take Control of Your Credit in South Africa

Upload your credit report, understand your credit profile, identify information that may need review, and manage legitimate disputes from one secure platform.

Results are not guaranteed. We do not promise removals or score increases.

Credit Health Score
58/100
Needs work
8
Accounts
2
Review
2
Disputes
Home Loan ReadinessNot Yet Ready
Vehicle Finance ReadinessFair
Funding ReadinessNeeds Improvement

Educational indicator, not an official bureau score.

Everything you need in one secure place

Built specifically for South African consumers, with education and safeguards at the core.

Understand your credit report

Turn dense bureau reports into clear, plain-English insights.

Identify items that may need review

Flag possible duplicates, outdated data or inconsistencies.

Personalized action plan

Get 30 / 60 / 90-day actions tailored to your profile.

Factual dispute drafts

Prepare professional, truthful dispute letters with supporting evidence.

Track your progress

See every dispute, response and improvement in one dashboard.

Learn how credit works in SA

Access a searchable learning centre for South African consumers.

How it works

Five simple steps from sign-up to submitted disputes.

  1. 1Step 1

    Create your secure account

    Register with POPIA-aligned consent and secure storage.

  2. 2Step 2

    Upload your credit report

    PDF, JPG, JPEG or PNG from any registered SA bureau.

  3. 3Step 3

    Receive a guided analysis

    Clear account-by-account breakdown with confirmation prompts.

  4. 4Step 4

    Review possible inaccuracies

    Confirm what's correct and flag what needs review.

  5. 5Step 5

    Prepare and track disputes

    Generate factual PDF / DOCX dispute drafts and track responses.

Simple, once-off pricing

No monthly subscription. All prices in South African rand.

Free Credit Snapshot

R0

Get started with a basic credit health snapshot at no cost.

  • Secure account & credit-goal questionnaire
  • Basic financial-health checklist
  • Credit utilization, debt-to-income & budget calculators
  • Learning centre articles
  • Preview of paid features
Create free account
Most Popular

Complete Credit Review

R1 999once-off

Full credit-report analysis, personalized action plan, guided disputes and 12 months of access.

  • One full AI-assisted credit-report analysis
  • Account-by-account review with confirmation workflow
  • Credit Health Score & readiness assessments
  • Personalized 30 / 60 / 90-day action plan
  • Guided dispute drafts (PDF & DOCX)
  • Progress dashboard & notifications
  • 12 months of dashboard access
Start My Complete Credit Review — R1,999
Best Value

Complete Review Plus

R2 699once-off

Everything in Complete Credit Review, plus a manual specialist review of your analysis and disputes.

  • Everything in Complete Credit Review
  • Manual specialist review of your analysis
  • Review of up to 3 dispute drafts
  • Priority document review & support
  • One follow-up consultation or written review
Choose Complete Review Plus — R2,699

Specialist Review add-on

R799 once-off

Manual specialist review of your AI-assisted analysis and up to 3 dispute drafts. Available after purchasing the Complete Credit Review.

Add Specialist Review — R799

SA Credit Assist is an educational, credit-report analysis and dispute-management platform. We do not guarantee deletions, score increases, financing, home loans, vehicle finance, business funding, or any other credit outcome. Users must provide truthful information and supporting documents when challenging credit information.

Accurate negative information cannot be removed simply because it negatively affects a credit profile.

Frequently asked questions

Can SA Credit Assist remove accurate negative information?+

No. Accurate negative information cannot be removed simply because it affects your credit profile. Our tools help you dispute information that is genuinely inaccurate, incomplete, duplicated, outdated or not yours.

Does the platform guarantee a higher score?+

No. We provide educational analysis, personalized action plans and dispute tools. Score movement depends on many factors outside our control.

Is this debt counselling?+

No. SA Credit Assist is not a registered debt-counselling service. If you may be over-indebted, we recommend consulting a registered debt counsellor.

Is my information secure?+

Reports and documents are stored in private, access-controlled storage. Sensitive identifiers such as SA ID numbers are protected and never displayed in full.

What is included in the R2,599 package?+

One full AI-assisted credit-report analysis, personalized action plan, guided dispute drafts (PDF & DOCX), progress dashboard and 12 months of access.