Check My Credit Score Online

Need to check your credit score online? Try Credit Boost, one of South Africa’s credit check agencies. Check your score in 5 minutes or less using our free online credit checker tool – with no impact on your score. All we need is your ID number and contact details. We’ll use your ID number to reference the credit profile database and pull your data. Then, we’ll send it to you using the contact details you provided.

Credit Boost’s online credit report is free and secure. We go to great lengths to protect your data. Plus, our team of consultants is here to guide you through its contents, answering any questions and providing advice along the way.

What’s in My Credit Report?

Your credit report contains a full breakdown of your credit use history, including payment history, accounts, hard inquiry frequency, credit utilisation ratio, and particulars.

  • Payment history: late payments, partial payments, missed payments, and defaults.
  • Accounts: how many accounts you have open, how long they’ve been open, whether any are in arrears, and the outstanding balances.
  • Hard inquiry frequency: recent credit applications and how frequent they are.
  • Particulars: personal information like your name, contact details, and your address.
  • Credit utilisation ratio: how much credit you use compared to your limit.

It will also list derogatory marks like debt review, judgments, and administration orders. Your payment history, account balances, hard inquiry frequency, and credit utilisation ratio are used to calculate your credit score.

Your credit score is a 3-digit numerical representation of your creditworthiness. It usually ranges from 300 to 800, but this can vary by bureau and scoring model. XDS’ score, for instance, ends at 1000, whereas Experian’s scoring model ends at 800.

Check my credit score online

Where Can I Get a Free Credit Score Online?

Use Credit Boost’s free credit checker to check your score online for free in as little as 5 minutes! Simply enter your ID number and contact details, and we’ll get back to you with your credit report and score.

Check your score

If you have any questions about your credit score or report, contact us. We’re happy to help you get an excellent score. Get your free credit check today!