Fix My Score

Fix Your Score. Unlock Your Life.

Tired of being declined for credit, loans, or a new car? We help everyday South Africans clear their name, boost their credit score, and start living again.

Remove Judgements, Defaults & Debt Review
Get Prepped for Loans, Homes, Cars & More

100% Confidential | No Upfront Fees | Quick Turnaround

Get a Free Credit Assessment
FMS Verified 6 (2) copy
  • NCA Compliant
  • 100% Digital & Confidential
  • AI-Powered for Lower Fees
  • Verified WhatsApp Business.
Trusted by 1,000+ Clients
SA-Based Experts
Real Results – Fast
NCA Compliant
About Us

We Fix Credit. We Restore Hope.

FixMyScore is a proudly South African credit clearance and financial recovery company on a mission to help everyday people reclaim their financial freedom.

We know how it feels to be turned down for a loan, rejected for a car or home, or blacklisted for debt that’s long been forgotten. That’s why we’re here — to offer you legal, trusted, and affordable credit solutions that actually work.

Whether you need to remove a judgment, clear prescribed debt, escape debt review, or simply boost your credit score so you can qualify for life’s big opportunities — we’ve got your back..

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Our Promise to You

  • 100% legal, compliant credit restoration
  • Judgment, default & debt review removal services
  • Fast, friendly & confidential support
  • Real results you can see on your credit report
  • Transparent pricing with no false promises

We don’t believe in “quick fixes” — we believe in real solutions that empower you to move forward, stronger and smarter.

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Why Thousands Trust FixMyScore

We’re not a fly-by-night service. We are driven by a deep passion for helping South Africans rebuild their credit and their lives. With years of experience and a team that understands both the law and the emotional weight of financial struggle, you’re in the best hands.

At FixMyScore, we combine expert knowledge, legal tools, and heart — because we know this isn’t just about numbers, it’s about your future.

"I was stuck in debt review for almost 5 years. Every bank kept saying no, no, no — even after I finished paying off everything. Then I found FixMyScore. Within weeks, they helped clear my name legally and my credit score started rising fast. Today, I’m driving my dream car and I just got pre-approved for a home loan. I cried when I got that email. Thank you for giving me my life back."
Sipho M.
"Being blacklisted made me feel like I had no future. I couldn’t even open a clothing account or apply for a phone. But FixMyScore treated me with so much respect and explained every step. They removed an old judgment and two defaults from my credit report — all legally. Now I feel free again. It’s not just about the credit, it’s about hope."
Lindiwe N.
"I was ashamed of my credit report. I avoided applying for anything because I already knew the answer would be no. FixMyScore changed everything. In just under 2 months, my score jumped over 100 points. They cleared prescribed debt I didn’t even know was hurting me. I finally feel like I can plan a real future. These people are angels — I’ll recommend them to anyone."
Thabo K.

Our Vision

To be South Africa’s most trusted name in credit clearance, helping individuals and families access the financial opportunities they deserve — with dignity, honesty, and results that speak for themselves.

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You Deserve a Second Chance

Your credit score isn’t just a number — it’s the key to the life you want. If you’ve made mistakes or been caught in a tough financial season, it’s not the end. It’s your comeback story.

Let us help you write the next chapter.

Let’s fix your score — and fix your future.

Get a Free Credit Assessment
FAQs

Frequently Asked Questions

We clear your name and get your credit profile back on track. Whether it's removing judgments, defaults, trace alerts, or legally challenging old prescribed debt, we fight the bureaus and creditors so you don't have to.
No, we cannot draw your credit report for you. You have three easy options to get it yourself:
 * For free at www.myfreecreditreport.co.za
 * Online at https://clientportal.kudough.co.za/signup for R79
 * In person at the money counter at any Shoprite or Checkers for R100.
It is an old debt (usually older than 3 years) where you haven't made a payment or acknowledged the debt, and the creditor hasn't taken legal action against you. Legally, this debt has expired, and you no longer have to pay it.
Yes. Creditors often leave these expired debts on your profile to trap you. We legally challenge them and force them to remove the prescribed debt so you can get a clean slate.
Because we leverage advanced AI technology to handle our admin, we don't have the massive overheads of traditional law firms. This allows us to provide expert, NCA Compliant services at less than half the industry standard price.
Not at all. We are a completely digital-first platform. Everything is handled online or straight through WhatsApp (062 175 5605) for your ultimate convenience, no matter where you are in South Africa.
No, we are an NCA Compliant credit repair specialist. We know the National Credit Act inside out and get you the same legal outcomes without charging you heavy lawyer fees.
Yes. If you have paid off your debts, or if you can prove that you are no longer over-indebted, we can help lift the Debt Review flag so you can access credit again.
It depends on what is on your profile. Minor issues like old trace alerts can drop off quickly, while removing judgments or debt review flags can take a few weeks. We move as fast as the legal system allows.
Yes. Creditors are notoriously lazy when it comes to updating the bureaus after you've paid. We step in and force them to update your profile to show the account is settled or removed.
We guarantee to clear the bad marks off your name, which is the biggest roadblock. However, banks and lenders will still look at your current salary and monthly expenses (affordability) before approving a loan.
100%. Our whole process is strictly confidential. We only ask for the exact documents we need to legally fix your profile.
Get your credit report using one of the three options mentioned in question 2, and send it to us. If there is no judgment against you and you haven't paid a cent towards it in 3 years, it's highly likely prescribed.
No. Debt counsellors put you under debt review. We do the exact opposite—we help clear your name and remove those restrictive flags so you get your financial freedom back.
That’s why you hire us. If a bureau drags its feet, we escalate the matter using the strict timelines enforced by the National Credit Act. We don't take no for an answer.
You can, but the credit bureaus and creditors often reject disputes from the public on technicalities. We know the exact legal loopholes and terminology to force their hand, saving you months of frustration.
We guarantee that if a negative listing on your profile is legally removable under the NCA, we will get it off. If a debt is 100% valid and recent, no one can legally remove it—but we will guide you on the best way to settle it.
Never. We are completely discreet. Your financial business stays strictly between you and us.
Because we focus purely on the outcome: a clean credit record. We aren't here to trap you in a 5-year payment plan; we are here to clear the errors, remove the expired debts, and boost your score fast.
Step 1: Get your credit report. 
Step 2: Send it to us on WhatsApp at 062 175 5605. 
Step 3: We give you a breakdown of what needs fixing and get straight to work.