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This is the Consumer Division of XDS, (Pty) Ltd, a registered Credit Bureau.  


Credit4Life is committed to empowering Consumers and will strive to ensure that consumers become Credit Aware and take on a credit lifestyle in a responsible way.  


The Consumer Club is a subscription service of Credit4Life

With Credit4Life you will understand:


Your RIGHTS with regards to Credit
What is a Credit Report and the information in it
Your exposure to Credit when you view your Credit Report
What does your credit score mean and how does it affect your credit lifecycle?
What does a good credit rating mean and how can it benefit you?



Visit the Knowledge Centre


Maintaining a good credit score will help you buy a house, car, furniture, new clothes or get that loan or credit card that you deserve. It helps you to qualify for credit and to get a better repayment rate or credit limit.

Credit4Life encourages you to check your credit report regularly so that you can:
Check your Credit Score so that you can get the Credit you Deserve
Review your Credit Exposure and better manage your use of credit
Establish if you have been a victim of Identity Theft
Challenge any incorrect information on your Credit Report



Credit4Life is powered by Xpert Decision Systems (Pty) Ltd (XDS), the largest 100% independently black-owned credit bureau in South Africa. XDS delivers innovative, user-friendly and affordable information solutions and technologies that are used in all aspects of Credit provisioning.

XDS has credit bureaus in emerging markets such as Ghana,Nigeria and Zimbabwe. XDS has also been involved with projects in Uganda, Kenya, Tanzania, United Arab Emirates, Australia and Namibia - positioning XDS as a uniquely South African company with a solid international track record.









You have the RIGHT to 1 FREE Credit Report per year


Claim your RIGHT to know your credit score and to correct any inaccuracies that may be affecting your credit score.


Register NOW for your FREE Credit Report


Get up to 3 months FREE unlimited access to your Credit Reports



click here to learn more


Join the Consumer Club now and get unlimited access to your credit report. You also get amazing benefits


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Critical change notification


Consumer Club members get FREE notifications when critical information on your credit report changes via sms or email.


How can I correct inaccuracies in my Credit Report?


The National Credit Act gives you the RIGHT to challenge the accuracy of the information in your Credit Report.


A Credit Bureau must resolve inaccuracies within 20 working days


click here to learn about the dispute process







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Credit Report

What is a Credit Score?
How to improve your score?
Adverse Records
Account Summary
Dispute Information
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Consumer Club

About Consumer Club
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Benefits of Consumer Club


XDS (Pty) Ltd

Physical address
11-13 St. Andrews Street
Oakhurst Building
Parktown Johannesburg

Postal address
PO Box 30987
Braamfontein 2017

Tel:0860 937 000
Fax:0866 266 442
Email: info@credit4life.co.za



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