13 articles
Learn how to interpret credit report trends in South Africa over time. Track score movement, payment history, and exposure changes for better credit decisions.
Understand adverse listings on SA credit reports: judgments, defaults, admin orders, sequestration. For credit professionals assessing risk and affordability.
NCA affordability assessment requirements for SA credit professionals. Sections 81 & 82, income, obligations, compliance risks, and how structured bureau data supports faster, auditable assessments.
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.
A practical buying guide for credit assessment software in South Africa. Compare options for credit providers, brokers, and debt counsellors - bureau integration, compliance, and workflow fit.
A practical guide for NCR-registered micro-lenders on automating credit assessment workflows: bureau data structuring, affordability calculations, audit trails, and NCA compliance.
Practical credit assessment templates and checklists for South African credit professionals. Bureau review, affordability, verification, and compliance.