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.
Learn how credit scoring works across South African bureaux, what drives score changes, and why professionals should not rely on a single report.
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.
Learn how to assess over-indebtedness under the NCA in South Africa, including the legal definition, required data points, and practical review steps.
Interpret payment profile codes used in South African bureau reports, identify repayment patterns, and turn account history into actionable 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.