Old Mutual Credit score

Your credit score plays a crucial role in your financial health. It can determine whether you qualify for loans, the interest rates you receive, and even your ability to rent an apartment. At Old Mutual, we understand the importance of maintaining a good credit score and offer tools and tips to help you manage and improve it.

How to Check Your Credit Score Online for Free

Old Mutual provides a convenient and free tool called CreditView to help you monitor your credit score. With CreditView, you can:

  • View your credit score anytime: Stay informed about your credit status.
  • Simulate changes: See how different actions might impact your score.
  • Track your history: Access up to 12 months of your credit score history.

To use CreditView, simply complete a quick registration process. This tool is powered by TransUnion, ensuring reliable and accurate information.

Why Your Credit Score is Important

Your credit score is a numerical representation of your creditworthiness. It is calculated based on various factors in your credit report and predicts how likely you are to repay a loan. A higher score indicates a lower risk to lenders, making it easier to obtain loans and secure lower interest rates.

Tips to Improve Your Credit Score

Improving your credit score can enhance your financial opportunities. Here are four effective tips:

  1. Pay on Time and Don’t Miss Payments
    • Consistently making payments on time is crucial. Consider setting up debit orders to avoid late payments, which can negatively impact your score.
  2. Get Out of Debt
    • Reducing your debt can significantly improve your credit score. Create a repayment plan, cut unnecessary expenses, and stick to a strict budget. If needed, consider a debt consolidation loan to manage multiple debts more effectively.
  3. Keep Your Credit Utilization Low
    • Try to use less than 30% of your available credit. High credit utilization can lower your score, so aim to pay down balances regularly.
  4. Check for Errors on Your Credit Report
    • Regularly review your credit report for inaccuracies. Dispute any errors you find, as they can unfairly lower your score.

Earn Rewards with Old Mutual

Did you know you can earn Old Mutual rewards by simply requesting a free credit score check? Join Old Mutual Rewards today or sign in if you’re already a member to start benefiting from this and other rewards.

Conclusion

Maintaining a good credit score is essential for your financial well-being. By using Old Mutual’s CreditView tool and following these tips, you can take control of your credit health and improve your chances of securing loans with favorable terms. Visit our credit score page to get started today.

Overview of Public Universities in South Africa

Here's an overview of some public universities in South Africa, including general admissions requirements and estimated application periods. Keep in mind, specific program requirements and dates can vary significantly, so it's important to check each university's official website for the most current information.

University of Pretoria

  • Admissions Requirements: National Senior Certificate with minimum scores in specific subjects related to the chosen program; for international students, equivalent qualifications.
  • Application Period: Usually opens in March and closes at the end of July for most programs.

University of Cape Town

  • Admissions Requirements: National Senior Certificate with pass levels required for degree study; subject-specific requirements depending on the program.
  • Application Period: Application opens in April and closes at the end of July.

Stellenbosch University

  • Admissions Requirements: National Senior Certificate with required marks; some programs have additional testing.
  • Application Period: Opens in March and typically closes at the end of June.

University of the Witwatersrand

  • Admissions Requirements: Matriculation certificate with university exemption; required scores vary by faculty.
  • Application Period: Begins in March and ends on the 30th of September.

University of Johannesburg

  • Admissions Requirements: Matric exemption with a minimum APS score; specific subject requirements based on the faculty.
  • Application Period: Opens in April and generally closes by the 30th of September.

University of the Free State

  • Admissions Requirements: National Senior Certificate with specific marks for the program applied to; additional requirements for certain courses.
  • Application Period: Typically opens in April and closes at the end of August.

University of Venda

  • Admissions Requirements: Completion of the National Senior Certificate with an endorsement for diploma or degree studies; specific APS scores needed.
  • Application Period: Usually from May to September.

University of Fort Hare

  • Admissions Requirements: National Senior Certificate with university exemption; certain programs may have specific requirements.
  • Application Period: Opens around May and closes at the end of September.

University of the Western Cape

  • Admissions Requirements: National Senior Certificate with specific performance levels; additional requirements for certain programs.
  • Application Period: Generally from May to September.

North-West University

  • Admissions Requirements: National Senior Certificate with university exemption; program-specific requirements may apply.
  • Application Period: Opens in March and usually closes by the end of August.

Rhodes University

  • Admissions Requirements: National Senior Certificate or equivalent; minimum academic performance in certain subjects.
  • Application Period: Applications open in April and close at the end of September.

Nelson Mandela University

  • Admissions Requirements: National Senior Certificate with required scores for chosen programs; portfolio or additional tests for some faculties.
  • Application Period: Opens in April, with a deadline at the end of August for most programs.

Cape Peninsula University of Technology

  • Admissions Requirements: National Senior Certificate with specific scores; additional requirements for certain courses.
  • Application Period: Opens in May and typically closes by the end of September.

University of Limpopo

  • Admissions Requirements: Senior Certificate with endorsement for diploma or degree courses; specific APS scores for different programs.
  • Application Period: From April to September.

University of Zululand

  • Admissions Requirements: National Senior Certificate with an endorsement for bachelor’s degree studies; specific score requirements for various programs.
  • Application Period: Usually between April and November.

Central University of Technology

  • Admissions Requirements: National Senior Certificate with specific scores for the chosen field of study; additional criteria for certain programs.
  • Application Period: Application period generally starts in May and ends in October.

Vaal University of Technology

  • Admissions Requirements: National Senior Certificate with a pass that qualifies for admission to bachelor’s degree, diploma, or higher certificate programs.
  • Application Period: Typically from May to September.

Walter Sisulu University

  • Admissions Requirements: National Senior Certificate with required scores for chosen programs; additional criteria for certain faculties.
  • Application Period: From April to September.

This list provides a starting point for understanding the admissions landscape across South Africa's diverse higher education institutions. Given the variability in programs and requirements, it's crucial to consult each university's website for the most accurate and up-to-date information.