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How COVID-19 has affected credit scores

Find out how the coronavirus has affected South African's credit scores and get tips on how to improve it.

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Find out your score

On ClearScore, we provide your free score, forever. Get personalised tips on how to improve on your report.

Check my score

In spite of 85% of South Africans struggling financially during lockdown, payment holidays allowed many of them to avoid defaulting on their debt. As a result, 51% now have better credit scores.

Visit ClearScore to find out whether your credit score improved during lockdown, and have a look at the tips below to see what you can do to either keep it growing or mend it.

Check your credit score by logging in to ClearScore.

1. Pay your bills in full and on time

Whether you had a payment holiday or not, you must make sure you always meet your credit obligations once they kick in.

2. Keep your credit utilisation low

Be cautious not to spend more than 30% of the credit that’s available to you.

3. Check your credit report regularly

Accidental errors can negatively impact your credit score. Always check up on it to make sure everything is correct.

Find out how to improve your score with our free Coaching plans.


Isabelle is a freelance finance writer and journalist in Cape Town. She helps make managing your personal finances calm, clear and easy to understand.