1. Send your request
Share basic contact details and give clear, specific consent.
Free credit report
Know what lenders can see.
Your credit report brings every account, balance and payment record into one place. We help you get it and go through it with you, in plain language.
Asking for your own report is a consumer enquiry, not a credit application, so it does not affect your score. Only a formal application for credit creates an enquiry that other lenders weigh up.
What happens next?
2. We review it with you
We do not sell or broadcast your details to a panel of lenders.
3. Get help understanding it
Your report is information, not a promise of credit approval.
Understanding your credit score.
Credit-score ranges can differ between credit bureaux and scoring models. There isn't one universal South African score that guarantees whether you'll be approved for credit.
Generally, a stronger credit profile can improve your chances, but lenders also consider your income, affordability, existing debt, payment history and their own lending criteria.
That's why we look at your full credit report rather than relying on one number.
A score is a summary, not a verdict. Two people with the same number can get very different answers depending on income, affordability and what the report actually shows.
Consolidation Relief is not a lender or debt counsellor. We work with registered credit providers and debt counsellors where a regulated service is required.
What is actually inside the report.
These four parts of the report explain almost every lending decision you will receive.
Your 24 month payment profile
Month by month, whether each account was paid on time, paid late or fell into arrears. This carries the most weight.
Accounts and balances
Credit cards, store accounts, personal loans, overdrafts and vehicle finance, with limits and how much of each you are using.
Enquiries
Checks made on your profile. Your own request is a consumer enquiry. Enquiries made when you apply for credit are visible to other lenders.
Public records and status
Defaults, judgments, administration orders and whether a debt counselling status is recorded against your profile.
Why check before you consolidate.
Your report decides which route is realistic, so it is worth reading before you apply for anything.
Good to excellent
You have room to negotiate
A clean payment profile gives you real bargaining power on the interest rate of a consolidation loan. Compare the total repayable over the full term before accepting anything.
Look at consolidationFair to very poor
A new loan may not be the answer
If lenders decline you, or only offer the maximum permitted rate, restructuring through a registered debt counsellor often gives a lower payment and legal protection instead.
Compare the two routesThis does not affect your credit score
Asking for your own report is not a credit application. If you later choose to apply for credit, the provider may perform a formal credit enquiry as part of its assessment. If something on your report looks wrong, you have the right to dispute it with the bureau, and this guide explains how.
How your details are handled
- Sent over an encrypted connection
- Processed in line with POPIA and only for the purpose you consented to
- Never sold, and never broadcast to a panel of lenders
- You can ask us to delete your information at any time