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Not a credit check

Credit score education simulator

Set five educational factors. See a weaker, mixed, or stronger profile and which factors matter. Nothing is sent to a bureau.

Want to see your real credit report?

TransUnion offers South African consumers one free credit report each year. The link goes straight to TransUnion, so DRC does not collect your details for this request.

Get your free report

Five factors

Toggles only. No rand amounts, dates, ID numbers, or credit report.

Payment history
Utilisation
Recent applications
History length
Mix

Results

Set the five factors, then press Calculate. Defaults sit in the typical range.

This is not a credit check, not a bureau score, not a 300-850 style number, not a National Credit Act disclosure, and not financial, legal, or debt-review advice. Speak to an NCR-registered counsellor before you make decisions.

How the illustration works

Equal illustration points

Each factor can add 0, 1, or 2 points. The total is 0 to 10. These are not bureau weights.

Relative bands

0 to 3 is weaker. 4 to 6 is mixed. 7 to 10 is stronger. There is no 300-850 or 0-999 score here.

What this is not

It is not a credit check, not a bureau product, and not the financial health score.

Common questions

Is this a credit check?

No. Nothing is sent to a credit bureau. You are moving educational toggles on this page.

Why is there no 300 to 850 number?

Bureau-style ranges are easy to mistake for a real score. This page uses 0-10 illustration points and a relative band.

Is this the financial health score?

No. That page uses money figures. This one uses five credit-style factors only.

Can I get my real credit report here?

Use the TransUnion link above to request your free annual report directly from the credit bureau. DRC does not receive the information you enter there.

Continue with a useful next step