Send the right details through the form
Use the enquiry form to give us a clear picture of your query. The most helpful details are your name, the town or suburb you are in, and a short note about whether you want help understanding a credit score, reading a credit report, or learning about debt review. If you are asking about a specific document, mention that too, because it helps us point you to the right information.
Please do not share account passwords, full card details, or anything you would not want noted down. If you are unsure what to include, a few lines about your situation is enough to get started.
Where our guidance is used most
OpenCredit works with people in Rosebank and across Johannesburg, including Sandton and Midrand. We also guide enquirers from Pretoria, Durban, Cape Town and Gqeberha who want a better grasp of credit health and debt review basics before speaking to a registered debt counsellor.
- Rosebank and greater Johannesburg
- Pretoria and surrounding suburbs
- Durban, Cape Town and Gqeberha
- Sandton and Midrand
What a credit score and report can show
A credit score is a number that lenders use as one part of their assessment. A credit report is the fuller record behind that score, showing accounts, payment history, credit enquiries and other listed information. Small differences in the report can change how the score is read, so it helps to understand the record before making any big financial decision.
If you spot something that looks wrong, the next step is usually to check it against the source information and speak to the relevant credit studio or credit provider, if needed.
Debt review questions need the right channel
Debt review falls under the National Credit Act and has formal steps. It is meant for consumers who may be over-indebted and need a structured process, often with a registered debt counsellor involved. OpenCredit gives general guidance on the process, the documents commonly asked for, payment plan basics and the idea behind a court order or clearance certificate.
We do not give legal or personal financial advice here, so please confirm details with a registered debt counsellor or the National Credit Regulator before making any decision. That step matters, especially where your income, debt or budget has shifted a lot.
Budget questions are easier when the figures are clear
A basic budget compares money in with money out, then shows what is left over for transport, groceries, school costs and debt commitments. In practice, many people only get a usable picture once irregular spending is listed too. That is often where the real pressure shows up.
- Monthly income and any variable income
- Rent, bond, transport and groceries
- Existing credit payments and arrears
- Any letters, statements or court papers linked to debt
If you attach numbers that are approximate, say so. A rough picture is still useful, and it is better than guessing the whole thing.
What happens after the form is sent
Once your enquiry lands, the team reviews the details and uses them to direct you to the right section of guidance. Thabo Masilela leads the business, with support from Lerato Essop, Ayesha Lourens, Sibusiso Fortuin, Megan Zondo, Bongani Dlamini and Zanele Dawood. Their work covers customer support, content, credit insights, digital operations, debt review guidance and compliance.
If you are contacting us from anywhere in South Africa, the form is the best place to start. It keeps the conversation focused on your credit question, your location and the documents or topics you want help understanding.