🧭 What This Book Will Give You You’ve likely never been taught how credit works — how it’s scored, who the players are, or how to fix it. This book will change that.
✅ You’ll learn:
● What credit really is (and isn’t) ● How your score is calculated and by whom ● What lenders, bureaus, and regulators actually look at
● How to fix damaged credit (even with judgments and defaults)
● How to protect your profile from fraud
● How to build long-term financial freedom using credit as a tool
 
Credit Decoded gives South Africans a clear, practical roadmap to understand, fix, and master their credit. It explains how credit works, how scores are calculated, and how lenders make decisions. The book breaks down every part of a credit report, shows how to remove errors, deal with defaults or judgments, and rebuild a healthy profile.
Readers get simple tools, real case studies, legal guidance from the National Credit Act, and step-by-step methods to improve their score, manage debt, protect themselves from fraud, and qualify for better financial opportunities.
In one place, the book offers everything a consumer needs to take control of their credit and confidently navigate the system.