Overview
Credit Position
CR Discipline Index
Next Brief
March 2026 Executive Summary
Neutral / Improving
01 Mar – 04 Mar 2026
+4 points (67 → 74)
Neutral
Observation
Utilisation on Revolving Credit (Account ending in *9921) decreased by 12%. This movement has positively impacted your CR Discipline Index by +4 points. No new adverse listings were recorded in the review period.
Risk Movement
No unauthorized inquiries detected in the last 30 days. Overall risk profile remains neutral with improving trajectory. The reduction in revolving utilisation is the primary positive driver of this month's Index movement.
Action Recommended
Reduce exposure on account ending *9921 to maintain Optimised status. Current trajectory places your Index within range of the Optimised tier (80–100) within two billing cycles if utilisation discipline is maintained.
This brief is provided for informational purposes only and does not constitute financial advice. The CR Discipline Index is an internal behavioural indicator and does not represent a credit bureau score. Credit Registry SA does not guarantee any specific outcome from following these recommendations.
Active Alerts
No unauthorized inquiries detected in the last 30 days.
04 Mar 2026
Revolving credit utilisation on account ending *9921 decreased by 12% — positive movement noted.
01 Mar 2026
March 2026 Intelligence Brief released and available in your dashboard.
04 Mar 2026
Risk Indicator Summary
Payment History
No missed payments in 24 months
Credit Utilisation
74% on revolving credit — above optimal
Account Age
Oldest account: 8 years, 3 months
Credit Mix
Mortgage, revolving, and instalment accounts
New Enquiries
2 enquiries in the last 90 days
CR Discipline Index
The CR Discipline Index is an internal behavioural indicator and does not represent a credit bureau score. Updated monthly.
Action Checklist
Referral Programme
Your Referral Link
creditregistrysa.co.za/r/TM8847
Earn account credit or a complimentary month for every verified paid activation. No multi-level structure.