SA free credit reports are available to those who would like to check a bit of their financial history and to see where they are at with bad debt, good debt, accounts, etc. If you have recently been blacklisted that you didn’t know about, a credit report will tell you this, if you haven’t already had a lawyer let you know. All payments you have or have not made on accounts will be shown, what you owe on your credit cards, as well as any loans you have made, including car finance and others will be visible on your financial history report.
With most of the websites that are available, you can request to receive your SA free credit reports once a year. You can receive your reports whether you are blacklisted or not, that doesn’t matter, as long as you are able to check your financial history to see what bad debt you have, you should be happy. It is also a good idea to check every so often because you may be in trouble that you don’t know about; it happens often that a company, lets say your credit card company hasn’t noticed a payment on one of your credit cards and have failed to contact you; a simple misunderstanding like this can cause a lot of trouble for you.
Making loans is also not such a good idea, especially if you have some debt already. Your credit report will tell you how many loans you have made in the last year, how much you have paid back and what you still owe. This includes car finance and in some cases when you owe a company money and they have handed you over, you have to pay their lawyer fees too. You have nothing to lose by making use of SA free credit reports, you are only looking into your background to see what others see when they do checks on you.