What is a Credit Score?

A Credit Score is the numerical information recorded on an individual’s bureau credit report. The comprehensive credit and rental history information is gathered from one (or more) of fourteen credit bureaux registered with the National Credit Regulator and is used by financial institutions to assess and determine an individual’s affordability and creditworthiness.


Landlords and agents use the credit score and report to thoroughly screen potential tenants in order to choose the best prospect for their property. Paying your installments on time and in full positively influences your credit score and establishes a good credit rating, whereas defaulting on your monthly payment commitments has a negative impact on your overall creditworthiness.


“The essence of an investment in real estate is a good tenant. A good tenant in a bad location will always produce better returns than a bad tenant in a good location.”

Michelle Dickens  - Managing Director of TPN