10 articles
Understand adverse listings on SA credit reports: judgments, defaults, admin orders, sequestration. For credit professionals assessing risk and affordability.
Credit application verification in South Africa: income, employment, expenses, and bureau reconciliation. NCA-compliant procedures to reduce reckless lending.
Understand credit scoring in South Africa: how scores work across Experian, TransUnion, Datanamix and XDS. Ranges, factors and why credit professionals cannot rely on a single bureau.
Calculate and use debt-to-income ratio for credit assessments in South Africa. DTI, NCA affordability, and consistent bureau-based analysis.
Minimum expense norms for credit assessments in South Africa. How to set, apply, and document living expense benchmarks for NCA-compliant affordability.
How to assess over-indebtedness under the NCA for South African credit professionals. Legal definition (s79), data needs, and practical assessment for lenders and debt counsellors.
Interpret payment profile strings and codes from SA credit bureau reports. Standard conventions, patterns to look for, and how structured data turns them into risk signals.
Self-employed credit assessment South Africa: bank statements, income averaging, tax verification, and NCA compliance for lenders and brokers. Practical guide.
Step-by-step surplus income calculation for affordability assessments in South Africa. Worked example in Rands for credit providers, brokers, and counsellors.