Consumer Fundi

19/10/2026

𝗬𝗼𝘂 𝗽𝗮𝗶𝗱 𝗶𝘁 𝗼𝗳𝗳. 𝗦𝗼 𝘄𝗵𝘆 𝗶𝘀 𝗶𝘁 𝘀𝘁𝗶𝗹𝗹 𝘁𝗵𝗲𝗿𝗲? 🤔

South African regulations require credit bureaus to remove paid-up judgment information from your credit profile. But it doesn't always happen on its own, and a listing that should be gone can still get you declined.

What you'll need:
📌 𝗣𝗿𝗼𝗼𝗳 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲 𝗷𝘂𝗱𝗴𝗺𝗲𝗻𝘁 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗽𝗮𝗶𝗱 𝗶𝗻 𝗳𝘂𝗹𝗹
📌 𝗔 𝗰𝗼𝗽𝘆 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗹𝗮𝘁𝗲𝘀𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗲𝗽𝗼𝗿𝘁

Then the listing can be disputed and removed.

Not sure if something on your report should still be there? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

Consumer Fundi (Pty) Ltd is an NCR-registered Alternative Dispute Resolution Agent (NCRADRA12). General information only, not a credit assessment.

16/10/2026

𝗢𝗻𝗲 𝘄𝗿𝗼𝗻𝗴 𝗹𝗶𝘀𝘁𝗶𝗻𝗴 𝗰𝗮𝗻 𝗯𝗲 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱 𝗮𝗻𝗱 𝗱𝗲𝗰𝗹𝗶𝗻𝗲𝗱. ❌➡️✅

We see it every week:
• 𝗔 𝗱𝗲𝗳𝗮𝘂𝗹𝘁 𝘁𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗻𝗲𝘃𝗲𝗿 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝗹𝗼𝗮𝗱𝗲𝗱
• 𝗔𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝘆𝗼𝘂 𝘀𝗲𝘁𝘁𝗹𝗲𝗱 𝘁𝗵𝗮𝘁 𝘀𝘁𝗶𝗹𝗹 𝘀𝗵𝗼𝘄𝘀 𝗮𝘀 𝘂𝗻𝗽𝗮𝗶𝗱
• 𝗔𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗼𝗽𝗲𝗻𝗲𝗱 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝗻𝗼𝘁𝗵𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁
• 𝗔 𝗽𝗮𝗶𝗱-𝘂𝗽 𝗷𝘂𝗱𝗴𝗺𝗲𝗻𝘁 𝘀𝘁𝗶𝗹𝗹 𝘀𝗶𝘁𝘁𝗶𝗻𝗴 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗽𝗿𝗼𝗳𝗶𝗹𝗲

Consumer Fundi is an NCR-registered Alternative Dispute Resolution Agent. That means we can formally take up disputes with the credit bureaus and credit providers on your behalf, with the National Credit Act behind us.

We start by pulling your credit report with you so we know exactly what's there.

𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 𝘁𝗼 𝗴𝗲𝘁 𝘀𝘁𝗮𝗿𝘁𝗲𝗱.

Consumer Fundi (Pty) Ltd · NCRADRA12 · consumerfundi.co.za

14/10/2026

𝗕𝗲 𝗵𝗼𝗻𝗲𝘀𝘁. 𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗱𝗮𝗺𝗮𝗴𝗲 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝗯𝘂𝗱𝗴𝗲𝘁? 👀

A 🎁 𝗚𝗶𝗳𝘁𝘀
B 🚗 𝗧𝗿𝗮𝘃𝗲𝗹𝗹𝗶𝗻𝗴 𝗵𝗼𝗺𝗲
C 🍖 𝗙𝗼𝗼𝗱 𝗮𝗻𝗱 𝗴𝗲𝘁-𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿𝘀
D 🎒 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝘀𝗰𝗵𝗼𝗼𝗹 𝗰𝗼𝘀𝘁𝘀

Drop your letter in the comments. We'll share practical tips for the winning answer next week.

Bonus points if you tag the friend who always says “this year I'm not overspending”. 😅

12/10/2026

𝗚𝗲𝘁𝘁𝗶𝗻𝗴 𝗰𝗮𝗹𝗹𝘀 𝗮𝗯𝗼𝘂𝘁 𝗮 𝗱𝗲𝗯𝘁 𝗳𝗿𝗼𝗺 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼? 𝗦𝘁𝗼𝗽 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗽𝗮𝘆 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴. ✋

In South Africa, most consumer debts prescribe after 𝟯 𝘆𝗲𝗮𝗿𝘀 if you haven't paid, acknowledged the debt in writing, or been served with a summons in that time. And the National Credit Act says credit providers and collectors may not collect or re-activate prescribed debt.

Some collectors are counting on you not knowing this. A “small good-faith payment” or signing an acknowledgement can make things more complicated.

Before you pay or sign anything on an old debt:
1️⃣ 𝗔𝘀𝗸 𝗳𝗼𝗿 𝗮 𝗳𝘂𝗹𝗹 𝘄𝗿𝗶𝘁𝘁𝗲𝗻 𝘀𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁
2️⃣ 𝗖𝗵𝗲𝗰𝗸 𝘁𝗵𝗲 𝗱𝗮𝘁𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗹𝗮𝘀𝘁 𝗽𝗮𝘆𝗺𝗲𝗻𝘁
3️⃣ 𝗚𝗲𝘁 𝗮𝗱𝘃𝗶𝗰𝗲

𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 and we'll help you look at it.

Consumer Fundi (Pty) Ltd is an NCR-registered Alternative Dispute Resolution Agent (NCRADRA12). General information only, not legal advice.

09/10/2026

Consumer education is essential to building a financially informed South Africa.

At Consumer Fundi, we believe that consumers should understand their credit profiles, know their rights and make informed decisions when it comes to borrowing.

Initiatives like this Consumer Education Session by the Credit Association of South Africa (CASA), supported by TransUnion, play an important role in promoting responsible borrowing and improving financial awareness.

An informed consumer is an empowered consumer.

🤝 Supporting Consumer Education

CASA welcomes TransUnion as a sponsor of our upcoming Consumer Education Webinar.

Together, we’re promoting informed borrowing and consumer rights.

📅 14 Oct | ⏰10:00–12:00
💻 Online
🔗 https://www.casa.co.za/events/casa-consumer-education

09/10/2026

𝗧𝗼𝗺𝗼𝗿𝗿𝗼𝘄, 𝟭𝟬 𝗢𝗰𝘁𝗼𝗯𝗲𝗿, 𝗶𝘀 𝗪𝗼𝗿𝗹𝗱 𝗠𝗲𝗻𝘁𝗮𝗹 𝗛𝗲𝗮𝗹𝘁𝗵 𝗗𝗮𝘆. 💛

Debt doesn't only live in your bank account. It shows up as sleepless nights, avoided phone calls, unopened letters and that knot in your stomach on payday.

If that's you, you're not weak and you're not alone. Here are three small things that help:

• Say the number out loud to someone you trust. Shame shrinks when it's shared.
• Open the letters. Not knowing is usually worse than knowing.
• Ask for help early, before it becomes a crisis.

If you want to talk about your credit situation with no judgement, WhatsApp us on 087 376 4813.

𝗜𝗳 𝗺𝗼𝗻𝗲𝘆 𝘄𝗼𝗿𝗿𝗶𝗲𝘀 𝗮𝗿𝗲 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗲𝗻𝘁𝗮𝗹 𝗵𝗲𝗮𝗹𝘁𝗵, 𝘁𝗵𝗲 𝗦𝗼𝘂𝘁𝗵 𝗔𝗳𝗿𝗶𝗰𝗮𝗻 𝗗𝗲𝗽𝗿𝗲𝘀𝘀𝗶𝗼𝗻 𝗮𝗻𝗱 𝗔𝗻𝘅𝗶𝗲𝘁𝘆 𝗚𝗿𝗼𝘂𝗽 (𝘀𝗮𝗱𝗮𝗴.𝗼𝗿𝗴) 𝗼𝗳𝗳𝗲𝗿𝘀 𝗳𝗿𝗲𝗲 𝘀𝘂𝗽𝗽𝗼𝗿𝘁.

07/10/2026

🚨 𝗦𝗖𝗔𝗠 𝗔𝗟𝗘𝗥𝗧 🚨

It usually goes like this: you're “approved” for a loan, even with bad credit. There's just one thing. Pay an admin fee, insurance fee or “activation fee” first, and the money will be released.

𝗜𝘁 𝗻𝗲𝘃𝗲𝗿 𝗶𝘀.

How to protect yourself:

❌ Never pay money upfront to get a loan
❌ Never send your ID, payslip or banking PIN over WhatsApp to someone you don't know

✅ Check that the lender is registered with the National Credit Regulator at ncr.org.za
✅ If it sounds too easy, it's a red flag

Received a message like this? Screenshot it and WhatsApp us on 087 376 4813. Tag someone who needs to see this. 👇

05/10/2026

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘆𝗼𝘂 𝗻𝗲𝘃𝗲𝗿 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗽𝗮𝘆 𝘁𝗼 𝘀𝗲𝗲 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗲𝗽𝗼𝗿𝘁 𝗼𝗻𝗰𝗲 𝗮 𝘆𝗲𝗮𝗿? 📄

Under the National Credit Act, you're entitled to one free credit report from each credit bureau every 12 months.

Why it matters:
✅ You see exactly what lenders see
✅ You can spot accounts that aren't yours
✅ You can catch paid-up debts still showing as unpaid
✅ You can find mistakes before they cost you a loan or a lease

𝗔𝗻𝗱 𝗻𝗼, 𝗰𝗵𝗲𝗰𝗸𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗿𝗲𝗽𝗼𝗿𝘁 𝗱𝗼𝗲𝘀 𝗻𝗼𝘁 𝗹𝗼𝘄𝗲𝗿 𝘆𝗼𝘂𝗿 𝘀𝗰𝗼𝗿𝗲.

Not sure how to read it? We'll go through it with you. 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

Consumer Fundi (Pty) Ltd is an NCR-registered Alternative Dispute Resolution Agent (NCRADRA12). General information only, not a credit assessment.

01/10/2026

𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝗶𝘀 𝗵𝗲𝗿𝗲, 𝘄𝗵𝗶𝗰𝗵 𝗺𝗲𝗮𝗻𝘀 𝗖𝗵𝗿𝗶𝘀𝘁𝗺𝗮𝘀 𝗶𝘀 𝗮𝗯𝗼𝘂𝘁 𝟭𝟮 𝘄𝗲𝗲𝗸𝘀 𝗮𝘄𝗮𝘆. 🎄

Most December debt doesn't start in December. It starts now, when we tell ourselves we'll sort it out later. Three things you can do this week:

1️⃣ Write down every festive cost you already know about: gifts, travel home, food, school clothes for January.

2️⃣ Divide the total by 12. That's your weekly target.

3️⃣ Move that amount into a separate pocket or account every week, before you spend.

𝗦𝗺𝗮𝗹𝗹 𝗮𝗻𝗱 𝗲𝗮𝗿𝗹𝘆 𝗯𝗲𝗮𝘁𝘀 𝗯𝗶𝗴 𝗮𝗻𝗱 𝗹𝗮𝘀𝘁-𝗺𝗶𝗻𝘂𝘁𝗲.

Want help getting your credit in shape before the festive season? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

30/09/2026

🌱 𝗚𝗼𝗼𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗵𝗮𝗯𝗶𝘁𝘀 𝗱𝗼𝗻'𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗯𝗲 𝗰𝗼𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱.

As we wrap up September, it's a good time to look at the small choices that can make a difference over time.

💰 𝗦𝗽𝗲𝗻𝗱 𝘄𝗶𝘁𝗵 𝗽𝘂𝗿𝗽𝗼𝘀𝗲 — know the difference between what you need and what you want.

📊 𝗞𝗲𝗲𝗽 𝘁𝗿𝗮𝗰𝗸 — know what you're earning, spending and owing.

🎯 𝗠𝗮𝗸𝗲 𝗽𝗿𝗼𝗴𝗿𝗲𝘀𝘀 — you don't have to change everything at once. Small, consistent steps can add up.

And perhaps most importantly, 𝘀𝘁𝗮𝘆 𝗶𝗻𝗳𝗼𝗿𝗺𝗲𝗱. Understanding your credit, your rights and your financial position puts you in a better position to make decisions.

September may be coming to an end, but your financial reset doesn't have to. 🌿

𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗰𝗵𝗼𝗶𝗰𝗲𝘀 𝘁𝗼𝗱𝗮𝘆 𝗰𝗮𝗻 𝗹𝗲𝗮𝗱 𝘁𝗼 𝗯𝗿𝗶𝗴𝗵𝘁𝗲𝗿 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄𝘀.

📲 WhatsApp “S𝗧𝗔𝗥𝗧”undefined to 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 for a free, confidential conversation about where you stand.

Consumer Fundi (Pty) Ltd is a registered Alternative Dispute Resolution Agent (NCRADRA12). This post is for educational purposes and isn't financial or legal advice.