How it works
From your first consultation to a credit record you can build on. You know what each step costs before you agree to it.
- 1Book a consultationLeave your details on this site or send a WhatsApp. Vezi Credit Solution calls you to arrange your consultation and explains what to have ready.
- 2Pay and uploadYou pay for your consultation by bank transfer to Vezi Credit Solution and receive a private link to upload your ID and your proof of payment (POP). Only Vezi Credit Solution staff can open your documents.
- 3Get your quotationYour agent goes through your credit profile with you, explains what lenders see, and gives you a fixed quotation for the rehabilitation. The quotation does not expire and will not change.
- 4RehabilitationWhen you are ready, you pay the quoted fee in one payment. Vezi Credit Solution starts work on your credit record and keeps you updated until it is done.
How long it takes
Every credit profile is different, so the time frame is different for everyone. Your agent tells you what to expect at your consultation.
Seven habits that keep your credit record healthy
Your credit profile is built on how you manage the accounts you already have. These habits matter long after your rehabilitation is done.
It is not only how much you pay but when. Paying after the due date can get you listed as a slow payer, which lowers your score.
Laws that work in your favour
South African law gives you rights over your credit record. Your agent checks which of these apply to you.
You must be notified first
A credit provider cannot start legal action to enforce an agreement before notifying you in writing, by email, SMS or phone.
Old debts can prescribe
A debt not paid for 3 years or more can prescribe, as long as you have not acknowledged it or made a payment during that time.
Incorrect enquiries can be removed
If a lender checked your record without your knowledge, or you do not recognise the lender, the enquiry can be disputed. Enquiries stay on your record for 2 years.