ESTIMATOR
Credit Score Estimator
Get an estimated credit score based on the 5 key factors used by SA credit bureaus.
Credit Factors
Enter your details
Since first account
Lower is better
Enter your details and click Calculate
CREDIT & LENDING
Understanding Credit Scores in South Africa
Your credit score (ranging from 300 to 900) is a snapshot of your creditworthiness. Influenced by: payment history (35%), credit utilisation (30%), account age (15%), credit mix (10%), and recent applications (10%).
Credit Score Estimator FAQ
Is this my official credit score?
No, this is an estimate. Request your official score free from TransUnion, Experian, or Compuscan.
Will checking here lower my score?
No. This is a soft check with no impact.
How long do defaults stay on my record?
Defaults remain 1-2 years after settlement. Judgments remain 5 years.
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