Know Your Rights
The Credit Law Scorecard
South Africa's first credit law scorecard. In under 5 minutes you'll know exactly where you stand — and what your legal rights are.
1
Your Details
Let's start with who you are
We need this to send you your score and follow up with guidance.
Please enter your name and number to continue.
🔒 Your information is strictly confidential.
2
Debt Review
Are you currently under debt review?
A formal debt counselling process managed by a registered debt counsellor.
Please select an option.
3
Debt Review Status
What's your debt review status?
This helps us understand your current position.
Do you want to stay under debt review?
Please answer both questions.
4
Credit Agreements
Which credit agreements do you have?
Select all that apply. We'll ask about each one separately.
Please select at least one agreement.
5
Account Details
Tell us about each agreement
For each one — the status and any legal action received.
Please answer all questions for each agreement.
6
Other Commitments
Are you part of any points or stokvel schemes?
Includes burial schemes, savings clubs, or any monthly contribution scheme.
Please select an option.
7
Salary Deductions
Is anything being deducted from your salary by court order?
Also known as a garnishee order or emoluments attachment order.
Please select an option.
8
Credit Profile
Have you been blacklisted or had a default listed?
A negative listing on your credit profile by a credit bureau.
Please select an option.
9
Final Step
Ready to see your Credit Law Scorecard?
We've analysed your answers. Tap below to reveal your score and what it means for you.
Remember: Whatever your score, do not panic. The law in this country is on your side. We're here to guide you through.
Your Credit Law Scorecard
--
--
--
Don't Panic — There Is A Solution
The law in this country is on your side. The National Credit Act, Section 129, the Uniform Rules of Court, and the Constitution all protect you.
We will guide you through how to get out of this — step by step, legally.