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About Us


We're about taking what credit providers and credit bureaus know about you and turning this into insight for you to improve your status and put the power back in your hands, Credit Power.

We bring the data held at 4 of SA's leading Credit Bureaus to you in a simple consolidated view to give you your Status with many tools and tips to improve, manage and protect your credit life.

A credit bureau is a private company that gathers information from credit providers and courts to update each consumer's credit history. A credit bureau manages your credit information and payment behaviors indicating how the consumer manages his/her credit. The credit bureau supplies these records to credit providers, such as banks, retailers every time you apply for credit or some financial services companies.

Were you aware that you are able to compare your credit reports from no fewer than four of the main credit bureaus in South Africa? Get your credit report from Kudough who is a NCR registered Credit Bureau Re-seller. It is an excellent idea to compare your credit reports from more than one credit bureau, as this will help detect any mistakes or discrepancies far easier. Mistakes on your credit report are far more common than you might realise; and by mistakes we are referring to incorrect dates, amounts, transactions, even judgments or defaults.

Your personal credit report from a credit bureau will reflect your whole credit history, and will put you in a position to see exactly what it is that your lenders have the privilege of seeing. Often, we are simply too afraid to face the facts when it comes to the adverse information a credit bureau may hold on us. However the facts are there and will confront us somewhere down the line. It is best to be honest with ourselves and see what it is that the credit bureau has on you!

The leading credit bureaus we use are:

TransUnion Credit Bureau (ITC Credit Bureau)

Experian Credit Bureau

XDS Credit Bureau

VCCB Credit Bureau

Be smart and one step ahead; this way you will be in a strong position when you apply for credit. Kudough will be able to assist in giving you your own personal report, and the rest is up to you. If you have a low credit score from the credit bureau there are definite ways and means by which to improve and to sort this out.

Little steps to make giant strides are the secret recipe for successful credit scoring. Get your 4 in 1 comprehensive credit report today from Kudough with information from all four credit bureaus being TransUnion (ITC), Experian, VCCB and XDS.

Kudough is about helping you build your credit status so that you can use it to your advantage. We call it Credit Power. It's essentially credit that saves you money today and into the future through savings on loan repayments, insurance premiums and a whole lot more. Kudough is today's solution to protecting your financial health, while building your financial strength. Kudough makes use of sophisticated technology that uses the information that credit bureaus and credit providers have and turn this into, well, gold if you look at it smartly. We put the power back into your hands by giving you all the insight about your best financial opportunity – yourself.

Improving your Credit Status or maintaining a good status is as important as earning your salary in the first place – it's about protecting the value of your money and saving money in the future. Your Kudough Journey is a virtual representation of your monthly credit progress (Kudough Status). Your credit worthiness may improve, or get worse over time depending on your credit activities and if you have kept up to date with your account payments. We track your path by visualizing your Status across many amazing calculations over your membership period. So things in life are priceless, and one of those being insight into yourself.

Your Kudough Credit Report takes data from the four major credit bureaus to offer a fascinating 360 degree insight into your current credit status with an online credit report. It shows you what's going on across all your accounts and highlights opportunities to save money and build your credit status. Kudough will help you spot areas of concern at a glance and as a Kudough subscriber you can get access to all the tools and tips to help you build your Credit Power

Find out exactly where you stand NOW with your Credit Report!