With your free credit score, you also get:

Free Credit Score

What is a credit score

Credit scoring tells the lender how likely you are to repay your debt based on your previous
conduct. Therefore, applying for credit from a lender will include assessing your credit score.

Steps to get your free
credit report


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Login with PIN code and click verify & sign-in


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Click on the right slider button to accept all T&C’s.
Then select “next”.


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Upload ID document by selecting “choose” button.
Then select “next”.


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Answer all 3 ITC questions.
Then select “submit answers”.


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After process has completed, click “download your credit report” to get your report.

What you get with your credit report

What your credit
score means

Credit scores range between

400 and 940

Happy Debt Free

The higher your credit score is, the better. A high credit score will also mean you can get better loan deals, more capital when needed, and better interest rates.

XTS Pressage Score

What influences your credit score

Many different factors will affect your credit score. These are points a credit bureau looks at when calculating your individual score.


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Debt repayment history – Bad or good


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Amount of debt you currently owe


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Types of credit you’ve applied for


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History of judgements, admin orders, garnishee orders, debt review


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How much of your available credit you’re using every month

Low Credit Score?
Debtline can help you

NCR-registered debt counselling

with a heart for people.

Debtline is a professional debt counselling firm with a core focus on helping people lose their debt while retaining dignity. We understand that looking for help can be daunting, and that’s why we’re equipped with an experienced team of professional debt counsellors providing empathetic expertise to make the journey as smooth and hassle-free as possible.

Let us help you