Review your credit profile
Examine the available information on your credit reports to help you understand your current credit standing and credit history.
Credit Assessment
Understand Your Credit. Make Better Financial Decisions.
Get a comprehensive review of your credit profile, identify potential issues affecting your credit standing, and explore suitable solutions for your financial needs.
Professional guidance
A clearer understanding of your credit profile
Our Credit Assessment, also known as an Affordability Assessment where applicable, involves reviewing your credit profile information to help you understand your current credit standing and identify factors that may affect your financial opportunities.
Through credit report enquiries across all four credit bureaus, our team helps you understand your credit profile, explore appropriate options for addressing credit-related issues, and assess your potential eligibility for selected loan products. Our aim is to provide clear explanations and practical next steps based on your circumstances.
What to expect
What your credit assessment covers
We keep every stage clear, practical and easy to understand.
Identify potential credit issues
Highlight information that may affect your credit profile, including negative listings, outstanding accounts or information that may require further investigation.
Explore credit improvement options
Discuss appropriate steps to address identified issues, including the process for disputing inaccurate or outdated information where applicable.
Assess potential loan eligibility
Review relevant credit and affordability information to help determine whether you may qualify for selected loan products, subject to the applicable lending criteria.
Prepare with confidence
Is this relevant to you and what should you prepare?
Your first conversation is easier when you know the common situations and information involved.
A credit assessment may be right for you if you are
- Unsure about your current credit status
- Concerned about negative listings or information on your credit report
- Looking for guidance on improving your credit standing
- Planning to apply for a loan or another credit product
- Experiencing difficulty obtaining credit
- Looking for guidance on addressing inaccurate credit information
What to bring to your assessment
Having the relevant information available can help us understand your circumstances and guide you through the assessment process.
- A valid South African ID document
- Recent proof of income, such as payslips
- Latest 3 months bank statements
The bigger picture
Contact our team
Take the next step towards a healthier credit profile
Your assessment helps you gain a clearer understanding of your credit standing, identify potential issues requiring attention, and explore practical next steps to improve your credit profile or pursue suitable financial solutions. Where applicable, the assessment can also help establish whether you may meet the requirements for selected loan products.
Questions, answered
What people ask about Credit Assessment
These answers provide a useful starting point. Your circumstances and the applicable product or process may differ.
Ask us a questionA Credit Assessment is a review of your credit profile to help you understand your credit standing, identify potential issues and explore suitable solutions based on your circumstances.
A Credit Assessment focuses on your credit profile and credit history. An Affordability Assessment examines your income, expenses and existing financial commitments to help determine whether you can reasonably afford a proposed credit agreement. The assessments may be used together, depending on the service required.
Our full assessment service includes credit report enquiries across all four credit bureaus. Reviewing the available information helps provide a broader understanding of your credit profile.
We can help you understand negative listings and other credit-profile concerns and explain the appropriate steps to address them. Where information is inaccurate or outdated, the relevant dispute or correction process may apply. Removal of accurate information cannot be guaranteed and must follow applicable requirements.
The assessment can help evaluate your potential eligibility for selected loan products. Approval is not guaranteed and depends on the lender’s requirements, affordability checks and other applicable criteria.
Our full Credit Assessment starts from R350.00. Please confirm the applicable fee and what is included with our team before proceeding.
Speak to IY Finance Solutions
Ready to understand your credit standing?
Take the first step towards understanding your credit profile. Book your full Credit Assessment from R350.00 and let our team guide you through your available options.