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The top 11 credit mistakes Putting your administration or sequestration behind you My creditors are chasing me for money what do I do

Debt Help Debt Settlement Plan The 7 Steps to Wealth Sequestration vs Debt Counselling Collections crash course Do-it-yourself debt reduction bad company credit repair

A guide to bond registration Six simple things you can do to ensure a smooth home purchase 10 questions to ask your attorney Making use of an estate agent Arranging your move Buying a home

ID Theft & Security Online Shopping how safe is it really Identity theft contacts bad card credit credit

Identity theft - Questions & Answers An ID thief stole my life! Identity theft basics Password protection The dangers of using a cyber café The 10 rules of financial management Saving with an access bond Money management tips Investor lessons from cricket

• Sequestration vs Debt Counselling

  The difference between Sequestration and Administration or Debt Counselling bad car credit loan

• Credit reports: Inaccuracy can be costly

  When it comes to your credit record, inaccuracies can be costly. Find out what the costs are. Get the best advice. We'll help you save money. bad credit loan mortgage

• Which credit report is right for me

Do you know you have the right to get your credit report from the two major bureaus free, once a year You need both to get the full picture. The Credit Health Report gives you both, plus expert advice and guidance. auto bad credit loan

• Credit Health Monitor

  Did you know that ID theft is becoming a major threat in SA. Crooks are stealing identities and fraudulently opening accounts with them. Find out how to avoid becoming the victim of ID theft... bad credit mortgage refinance

About Us

| Affiliates | Privacy Policy | Website Terms bad credit refinance

Disclaimer: Your use of any information posted at http://www.credithealth.co.za is subject to the Website Terms. While Credit Health (Pty) Ltd has used its best efforts to verify that the information presented on this web site was correct at the time it was posted, we make no express or implied warranty regarding the accuracy, adequacy, completeness, legality, reliability or usefulness of any such information. bad credit mortgage second

Fight back on your debt What to do if the Sheriff comes knocking Facing financial crisis Divorce could put you in unexpected debt

HomeLoans Apply for a Bond Consolidation Loan Capital gains tax Prequalified, Pre-Approval, Approval - what does it all mean Supporting documentation bad credit loan student

Investor lessons from cricket

LifeStages Starting Out Buying a car Marriage & Family Buying a house Getting ahead Overcoming challenges Planning for retirement Learning Centre About Credit Health Credit Health Manager Debt Settlement Plan - example bad card credit

Debt Settlement Plan - Q & A Why settle you debts Starting Out Starting out right building a good credit profile Spending your first pay cheque Advice Applying for finance what to look out for in the fine print Starting Out

You are really fortunate to be reading this at an early stage of your financial career path. We use the term career path for good reason ... if you learn how to manage your money now; and if you make a priority of it as you do your career, look what you can look forward to! bad credit financing

• A life unburdened by debt! bad credit home loan mortgage

• Early, wealthy retirement! bad credit loan people

• Living the life of your dreams! bad card credit credit people

• A wonderful personal life with no debt stress! bad credit guaranteed loan

Yes, its true! The outlook for someone who makes the right decisions early on is incredible! No matter how modest the beginnings! No matter how small your current salary! And because you are reading this, you are clearly heading in the right direction! Allow us to help you avoid some of the more common traps that most people fall into ... bad credit refinancing

1. Develop a healthy respect for debt.

   Know what it really does to people when they spend 75% of their after tax income on debt repayments, as the average South African does! Think of the people you know who are stressed by debt, and how their private lives suffer. Know that no-one else is likely to point this side of the story out to you! Most of the information you get about debt out there in the world is going to be how easy it is, how you can have what you want NOW, how you deserve it. Understand how it harms you to believe this ... how most people will never be wealthy because of debt. bad credit equity home loan

2. Live within your means, no matter how small OR large they get

   . Credit providers (banks, credit card companies, stores, etc) are going to start targeting you with offers of easy credit. After a few years, the trickle will turn into a flood! And its so tempting to enjoy that holiday you deserve but dont have the money for ... or to buy that car you cant really afford. If you can resist the temptation, you will free yourself of over-indebtedness - one of the major causes of stress and strain in most peoples lives! bad credit loan payday

3. When you get more money, dont spend more money!

   Celebrate first (remember you must also enjoy life!) then keep living in the same way. Use the extra to save and invest in real investments that really make sense (which are not the ones most people believe in!). bad credit repair

• When do you have to pay bad credit home loan uk

• Have you talked to the creditor or about options 2nd bad credit mortgage

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• How soon will this crisis be over bad consolidation credit loan

Step 2: Investigate your options

Our financial experts have outlined your options for most common types of financial crises: bad credit home loan new

• Deep in debt If you have a steady income but have taken on too much debt, then you should develop a plan to pay off the debt over time. Alternatively, you may want to seek the assistance of a registered debt counselor who will be able to determine if you are over-indebted, and will work out a rescheduling of your debt. bad business credit loan

• Unable to pay small debts If you are unable to pay small debts such as medical bills and credit cards, contact the businesses directly to see if you can work out an agreement. In the case of a utility bill like you lights & water or rates & taxes, it may be okay to skip a payment in a crisis. Utility bills do not report to the credit bureaus and they only charge a small late fee. It is not a good idea to borrow money from a micro-lender to pay these bills. Instead, see if you can negotiate to pay in a few weeks or borrow from a family member. bad credit lender mortgage

• Unable to pay large debts In the event that you cannot pay your bond, car or loan obligations, contact the credit providers immediately. Most credit providers have payment arrangement programs set up to help borrowers who are dealing with a temporary financial crisis. You should make every effort to pay a bond or loan payment on time during a financial crisis. Not paying on time can result in damage to your credit report and possible foreclosure of the vehicle or property. Consider using savings, borrowing from a family member, or reducing your expenses in order to pay your loans. Alternatively, you may want to seek the assistance of a registered debt counselor. bad credit home loan mobile

• Legal debts in collections If you have missed several payments and the creditor has determined that they cannot easily collect their debt they often hand it over to collection attorneys or collection agencies. These collections agencies often purchase the debt and take cession from the original creditor. These types of debts become extremely expensive (about 40% per annum), and it is in you best interests to have Credit Health negotiate a settlement with your creditor or collection attorney/agency. This normally takes the form of a once-off settlement negotiation in which the creditor agrees to receive an amount that is lower than the outstanding balance in settlement of the debt. The balance is written off. bad cash credit loan

• Job loss In the event of a job loss it will be difficult to make ends meet unless you have an emergency fund set up. If you were retrenched you should see if you qualify for UIF, and should make your claim as soon as possible. You can also contact your creditors to explain that you are temporarily unemployed and to see what sort of payment options they offer. Start looking for a job right away to minimize the amount of time you are unemployed. You should reduce your expenses and, if necessary, borrow a small amount of money to get by until you find a new job. Even if you do have an emergency fund set up, find a job as soon as possible to avoid depleting your saved funds. bad credit loan private

• Illness When you or a family member falls ill, you may be faced with thousands of rands in medical expenses. Make sure that your medical aid is fully appraised of your situation, and communicate regularly with their accounts department to determine the status of your invoices paid or unpaid covered or not covered. Keep in mind that you are ultimately liable for medical bills even if your insurance should cover the expense. This means that an overdue invoice could be sent to a collections agency/attorney and could damage your credit record. bad card credit debt

Step 3: Take action

There are several options available to help you manage a financial crisis and fund your necessary expenditure. bad business credit loan small

• Savings Deciding to access savings during a financial emergency may seem like a bad idea, but it is actually a smart move in some situations. Although you will lose the interest on the withdrawn funds, you will not have to pay interest on funds borrowed. bad bankruptcy car credit loan

• Home bond If you are a homeowner and you have equity in your home, then this is the cheapest form of financing available. Having equity in your home means that the market value exceeds the outstanding balance on the bond. Most banks will allow you to borrow up to 80% of the market value of your property. So if your bond value is currently R200 000 and your home is worth R500 000, then you could borrow a further R200 000 in the form of a second bond. Remember to be very careful about borrowing money against your home. If you cant afford the repayments and you default this will likely result in the loss of your property to the bank. bad credit instant loan

• Friends and family You may need to turn to a friend or family member to support you during your time of need. This may be especially true if you have already been listed on the credit bureaus and you cannot get access to finance from the banks. They say that a friend in need is a friend indeed, and you can perhaps return the favour one day. bad credit equity loan

• Credit cards Although credit cards are a relatively expensive form of financing, it is one of the most readily available, and may be just what you need in the short term. Remember to pay off the money borrowed as quickly as possible after you have overcome your financial crisis. bad credit georgia home loan

• Overdraft This is a similar option to credit cards, with rates varying around 3 8% above the prime rate of interest. application bad card credit

• Debt help Credit Health has an entire section of our website dedicated to debt assistance and services. Read articles about taking control of your debts and compare debt reduction solutions. bad credit home loan va

amp; A Why settle you debts Buying a car Advice 10 Tips to save on car insurance 10 Tips to save on car insurance By insurance.za.org Shop Around Compare insurance quotes from at least 3 companies or get a broker to do it for you. Increase your Excess By increasing your excess amount on the car, most insurance companies will give you a discount on your premium. Be sure that you can afford to pay the excess when you have to claim though. Don't use your car for Business Purposes If possible, insure your car for private purposes only. Business use of your vehicle will result in a higher monthly premium. Most insurers will still give you a reduced premium if you only need oCPAsional business use. Drive Safely If you're not involved in any accidents, you'll be paying a reduced premium. After each claim-free year of insurance, you might qualify for a discount at your current insurer. If not, you could get a better premium at another insurer. Buy a Low Risk Vehicle High performance vehicles are usually seen as a higher risk by insurance companies (especially if you're under 25). The replacement cost of parts is also more expensive. Move If you live in a high risk suburb or in a city, you will pay a higher premium on your car insurance due to the risk of your vehicle being stolen or hijacked. Overnight Parking A vehicle parked on the street is at higher risk of being stolen than one parked in a locked garage. Some insurance companies will give you a discount if your car is parked in a garage or behind locked gates at night. Upgrade Security Measures Install an anti-hijack device, gearlock or tracking device in your car. If your level of secuirty is higher than the requirement of the insurance company, you'll get a discount. Nominate Drivers The less people will be driving your car, the lower your premium will be. This way it is easier for the insurance company to calculate their risk. Negotiate Most insurance companies are flexible with their premiums. If you're not entirely satisfied with the quote, ask for a discount. If they really want your business, they will accommodate you. QUICK TIP Want to save R30 000 this year Buying a pre-owned car will save you the loss you would incur by driving that new car off the showroom floor. Its an expensive few seconds! Debt Settlement Plan - example Debt Settlement Plan - Q & A Why settle you debts Buying a car Advice 10 Tips to save on car insurance Used car checklist When buying a used car, it is crucial to make sure that it is in sound mechanical condition. If you do not know much about cars, take someone along who does. Go through the following checklist for peace of mind. QUICK TIP Want to save R30 000 this year Buying a pre-owned car will save you the loss you would incur by driving that new car off the showroom floor. Its an expensive few seconds! Debt Settlement Plan - example Debt Settlement Plan - Q & A Why settle you debts Buying a car Advice 10 Tips to save on car insurance How to get on the road to owning a car By Personal Finance Financing a car can be as stressful as driving in peak hour traffic. You need to have your wits about you so that you take the route that's best for you. If you want your bank to finance a vehicle for you, you will probably have to buy the vehicle from an approved dealer. When you buy a vehicle in a private sale, you buy it voetstoets (which means "as it is" and without any guarantees), so banks will be very selective when it comes to financing such deals. Debt Settlement Plan - example Debt Settlement Plan - Q & A Why settle you debts Settle your debts and save between 10 and 40%! What if you want to settle your debts AND want to SAVE MONEY in the process Debt Settlement Plan - example Debt Settlement Plan - Q & A Why settle you debts ID theft is on the increase...protect yourself against it! How does it happen

Specifically, the course covers to following topics: How to make time consistently work for you Decide between tax-deferred and after-tax savings channels Use the theory of decreasing responsibility to save money Where to get the best returns on investment Understand the keys to Unit Trusts success Protect your wealth while you are building it Achieve significant results in three months or less. bad credit home loa

Credit Health About Us Learning Centre Contact Us Affiliates Terms

There are two consumer credit bureaus, namely Experian and TransUnion. Settle your old `legal` debts for up to 40% less than the outstanding balance. Manage your money better, make better use of credit, and retire younger and richer! Get notified immediately of any changes made that affect your financial reputation. Take a quiz that rates your financial ability and find out whether you're a moron or genius. bad car credit loan new

Learning Centre Welcome to our Learning Centre. Interested in learning more about your credit record, settling debts, or how Credit Health can assist you to achieve financial prosperity The Learning Centre has been created to get you up to speed with these topics. Please click on any of the presentations that interest you, sit back, and enjoy the learning experience. Introduction Your debts what to do about them bad credit home loan really

Managing your credit record & finances About Credit Health Debt Settlement Plan " Credit Health Report " Why settle your debts Debt Settlement Plan " Questions & Answers Credit Health Monitor " Debt Settlement Plan " - an example Credit Health Manager " There are two consumer credit bureaus, namely Experian and TransUnion. bad credit fix

Settle your old `legal` debts for up to 40% less than the outstanding balance. Manage your money better, make better use of credit, and retire younger and richer! Get notified immediately of any changes made that affect your financial reputation. Take a quiz that rates your financial ability and find out whether you're a moron or genius. bad credit down home loan

How the Credit Health Monitor can help protect you from ID fraud for just R33 a month

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• You should KNOW when someone asks to see your credit record - because they must have your permission to do so. Okay, it'll be hidden in the small print of your application for a phone service/credit card/loan/store account ... but it'll be there, somewhere. If your Credit Health Monitor tells you someone's been looking - and you haven't recently ordered a new service/upgrade/new loan/store card/cell phone account etc. - then the person who's looking could well be a crook! bad credit lender

• If payments on an account are being missed, the Credit Health Monitor will tell you. If you didn't even know this account existed, then it could be ID theft. Until you take action, it'll look like you're the thief! bad buy car credit

• The only other way to make sure you know what's going on would be to go to the two major credit bureaus, one by one, paying each time. The Credit Health Monitor saves you the trouble - as well as the cost! bad bank credit loan personal

WANT TO KNOW MORE

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More information is available in the Learning Centre. Click here to view it. If you want to speak to a consultant for more details, call us on 0860 201 201. bad credit home loan purchase

Protect yourself against ID fraud!

Identity theft is where a crook gets hold of your ID book and uses it to open accounts and run up big bills in your name. How does it happen bad credit loan motorcycle

• They steal your ID. bad credit help home loan

• They steal your mail. arizona bad credit home loan

• They even go through dustbins! bad credit home loan motor

• They bribe a corrupt official at the Department of Home Affairs to give them duplicate ID books (or better still, to 'sell' them yours). auto bad credit financing

• They fill in an application for a change of address - so you don't smell a rat on your account. bad car credit loan used

• They pretend to be a creditor or employer so they can get your credit report. bad credit ct home loan

• Say you apply for credit; they can get your details from an employee of the store - an inside job. bad credit diego mortgage san

It takes an average of 14 months before people realize. How do you find out bad credit mortgage people

• Your credit record starts looking bad. bad credit down home loan no

• You apply for a loan - and get turned down! bad company credit mortgage

• People come after you for the money. bad credit home loan michigan

Whats your best defence bad credit home loan pa

• Keep your personal information safe. bad computer credit financing

• Report a stolen ID immediately to the police, your creditors, and the SAFPS (South African Fraud Prevention Service) www.safps.org.za bad credit mortgage second uk

• Check that everything's okay by ordering your Credit Health Report for just R79 Click here to order! bad credit let mortgage

• Once your have your Credit Health Report, make sure you are the first to be told when something changes - for example, when someone applies for credit using your name, or someone asks to see your credit record - these could both be signs of ID theft. bad credit get home loan

• How can you make sure you hear about it right away Order your Credit Health Monitor which tells you about any activity as soon as it happens and costs just R395 a year - which works out to R33 a month. Fill in the form below to order! angeles bad credit los

Tell us a little about yourself First name Surname ID Number Email Address Re-type Email Address Choose a Password Re-type Password (Code) Number Home phone ( ) Work phone ( ) Fax ( ) Cellphone Physical Address Physical Code Postal Address Postal Code Step 2: easy payment options For your convenience, you can pay either by credit card or by direct deposit. For your peace of mind, we provide a Secure Payment Gateway, and constantly look for ways to enhance security. bad credit home loan non owner

Direct Deposit

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If you wish to make payment for your Credit Health Report" by direct deposit or EFT, please click on the Pay By Direct Deposit button below. Credit Card atlanta bad credit home loan

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Alternatively, you can make payment through our secure online payment gateway. Simply complete your credit card details and click on the Pay via Secure Payment Gateway button below. bad credit loan signature

The Credit Ombudsman was set up as a joint initiative with the credit industry. This is an objective body that was set up as a mediator between the consumer, the credit provider and the credit bureau. The ombudsman runs an independent office and reports to a board comprising of representatives from the credit industry, consumers and consumer protection groups auto bad credit refinance

Is there any value in submitting a complaint to the Credit Information Ombudsman

That depends on whether your complaint relates to false listing information that should be removed because it is incorrect or information that is negative but correct. The Credit Information Ombud cannot help you improve your financial reputation by rescinding judgments or negotiate the removal of defaults. You will have to call us or visit Logan Attorneys (who provide a free quote) for that type of service. That said, if there is incorrect information on your credit record you should generally take the following steps: bad credit home loan ohio

What is an administration order

If you find yourself unable to manage your debt, you may apply for an administration order. If your debt does not exceed R50 000 you can apply for an administration order that may be granted by the Magistrates Court. The magistrate examines your financial position and appoints an administrator to whom you make regular payments. These payments are divided proportionately amongst the various stores and creditors that you owe money to. Unless set aside earlier or paid up, an administration order remains on your credit report for a period of 10 years. bad credit home loan people

What does the Judicial Matters Act cover

This is a change to the law that controls court judgments on debts. Until this change came about, even after you repaid a debt in full, if you had a judgement against your name it would stay there for 5 years. Now, once you have repaid a debt in full, you can approach an attorney to have the judgment rescinded or reversed in court, and removed from your credit record. bad credit first home loan

Q: Can all attorneys do this A: Theoretically, although we recommend that you go to an attorney that specializes in this sort of work. Logan Attorneys specializes in representing ordinary people and helping them clear up their credit record problems. In fact, Logan Attorneys was instrumental in motivating for this change to the law because they believe that if you have repaid your debt you should be able to clear your name. They have been at the forefront of the fight to allow consumers to rescind judgments and thereby restore their financial reputation. bad colorado credit home loan

Credit Health

can also help you save money by negotiating a far lower settlement amount than you will otherwise pay with their Debt Settlement Plan™ and Debt Negotiation Service. bad credit home iowa loan

Why do stores or banks not give me a copy of my credit report

Stores and banks are not debt counsellors. In fact it is not in their best interests for you to know too much about debt because knowing the truth about credit means you will work to reduce your debt, and that means their profits go down. Asking their staff for help is not going to help. For example, they will probably recommend that you repay an old debt (in other words, a debt where there's a judgement against you) - to them or to their attorneys, and this could end up costing you twice what it should! bad credit home loan nevada

So do yourself a favour and go to the people who are on your side, and who do not serve any lenders ... Credit Health. Unlike stores and banks, we do not make money from credit and therefore we can tell you the whole truth about credit (Sign up for our free, no-obligation newsletter The Truth About Credit). Our money comes from fees for Credit Health Reports™, and other credit-management and wealth-building tools and products designed to help you gain greater financial freedom, and escape debt stress. account bad checking credit

Credit Health's aim is to help ordinary people use debt wisely.

Our staff is trained and experienced in analyzing credit reports, what the various notes and scores mean, and what your next step should be. bad credit history mortgage

Most people learn all they know about credit from companies and banks who make money from debt and that's why they get into trouble! That's why they think credit is normal, easy, convenient, no problem. That's why they give themselves no chance of building wealth. Your best choice is to inform yourself (via this site, amongst other things) and to

work with people who are on your side, to solve debt problems. There's a lot you can do to take back control over your credit situation and manage your credit, with the ultimate aim of living without it entirely! bad credit home mortgage

What is SAFPS: South African Fraud Prevention Services

SAFPS is a group that shares confirmed fraud information. Their website is www.safps.org.za and they alert credit providers of possible fraudulent use of credit. If you believe your ID book or other identifying information has been stolen it is always worthwhile reporting the theft to the SAFPS as they will then attempt to alert creditors and stop the thief using your identity to open accounts fraudulently. bad credit loan personal

Why am I issued with a username & password to view my Credit Health Report

ID theft is a growing problem and Credit Health takes the strictest precautions to protect you. One of our processes means you get a unique username and password to protect and limit access to your credit report. It works like a bank card pin number but in this case it protects your access to your personal information. This also enables you to log on in the future to order more products without having to go through the stringent security process. bad credit credit creditres

What if I ordered my Credit Report, but have forgotten my username & password to view my report

Credit Health has provided a convenient solution to this dilemma. You can click on the Forgotten password button and we will resend you your password to the email address you provided us with. Some of my personal details have been fished yesterday on the internet. I have no plans to buy anything on credit and am currently working in Turkey until the beginning of September. Is there some sort of hold or alert that can be placed on my record for this bad consolidation credit debt

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