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A credit score is a three-digit number, typically 0-999 in South Africa, varying by bureau like TransUnion or Experian) that summarizes your creditworthiness based on factors like payment history and debt levels. Your credit report is a detailed record from credit bureaus (e.g., Experian, TransUnion, XDS) showing your personal info, accounts, payment history, judgments, and inquiries. Credit Score Ranges Scores differ by bureau, but general benchmarks include: - 0-580: Poor (high-risk, limited a
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