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Consumer Fundi

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Consumer Fundi

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Consumer Fundi, Legal, Parktown, Johannesburg.

Consumer Fundi is an Alternative Dispute Resolution Agent, registered with the National Credit Regulator, , with a team of registered debt counsellors & professionally experienced case managers for all credit profile dispute services.

20/06/2026

You've stopped applying. You've been declined once — maybe twice. We understand. 💪

You've googled it. You've seen the options. You're not sure what's real and what's a scam.

Here's what's real:

1️⃣ Consumer Fundi is NCR-registered (NCRADRA12) — one of 10 in the country
2️⃣ Free, honest assessment within 24 hours
3️⃣ No work begins until fees are agreed in writing

We do not promise overnight results. We do promise:
✅ A clear explanation of what can — and can't — be resolved
✅ Regular updates throughout the process
✅ Disputes made under the legal authority of the National Credit Act

If your credit is costing you opportunity — let's find out what we can do.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

19/06/2026

Q&A Friday 🙋

This week's starter questions:

𝗤: 𝗜 𝘄𝗮𝘀 𝗻𝗲𝘃𝗲𝗿 𝘀𝗲𝗻𝘁 𝗮 𝗻𝗼𝘁𝗶𝗰𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝗺𝘆 𝗹𝗶𝘀𝘁𝗶𝗻𝗴. 𝗜𝘀 𝘁𝗵𝗮𝘁 𝗱𝗶𝘀𝗽𝘂𝘁𝗮𝗯𝗹𝗲?
A: Yes. Under the NCA, a creditor must deliver written notice and allow 20 business days for you to remedy. Failure to do this makes the listing procedurally defective — and Consumer Fundi can dispute it formally.

𝗤: 𝗛𝗼𝘄 𝗱𝗼 𝗜 𝗸𝗻𝗼𝘄 𝗶𝗳 𝗺𝘆 𝗱𝗲𝗯𝘁 𝗵𝗮𝘀 𝗽𝗿𝗲𝘀𝗰𝗿𝗶𝗯𝗲𝗱?
A: Three questions: Is it more than 3 years since your last payment or written acknowledgment? Has the creditor not obtained a court judgment? Did you not acknowledge the debt since? If all three — contact us to assess.

𝗤: 𝗪𝗶𝗹𝗹 𝗱𝗶𝘀𝗽𝘂𝘁𝗶𝗻𝗴 𝗮 𝗹𝗶𝘀𝘁𝗶𝗻𝗴 𝗮𝗳𝗳𝗲𝗰𝘁 𝗺𝘆 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝗻𝗲𝗴𝗮𝘁𝗶𝘃𝗲𝗹𝘆?
A: No. Submitting a dispute does not lower your score. Only the outcome matters — removing a negative listing will typically improve your score.

𝗤: 𝗖𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝘄𝗵𝗶𝗹𝗲 𝗖𝗼𝗻𝘀𝘂𝗺𝗲𝗿 𝗙𝘂𝗻𝗱𝗶 𝗶𝘀 𝗿𝗲𝘀𝗼𝗹𝘃𝗶𝗻𝗴 𝗺𝘆 𝗱𝗶𝘀𝗽𝘂𝘁𝗲?
A: That depends on your overall profile. We advise case by case. Generally, improving your profile even partially improves your chances.

Your question below 👇

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

18/06/2026

Were you given credit you couldn't afford? That may be reckless lending. 🚨

Under the National Credit Act, a credit provider is legally required to conduct a thorough affordability assessment before granting credit.

Signs of reckless lending:

🚨 No proper affordability assessment was done
🚨 You weren't told the full cost of the credit
🚨 The debt was unaffordable from day one

If any of these apply to you, the agreement may be set aside under Section 83 of the NCA — and the debt potentially written off.

As an NCR-registered ADRA, Consumer Fundi can formally engage the credit provider on reckless lending grounds. They are legally required to respond.

This isn't a technicality — it's a consumer right that most South Africans don't know exists.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

17/06/2026

Where is your credit score right now? Drop it in the comments. 👇

No judgment here. We reply to everyone.

Below 500 — I need serious help
500–620 — It's a work in progress
621–700 — Getting closer every month
700+ — I'm in a good place

Whatever your number — we can tell you exactly what's possible from where you are.

If you have a listing on your profile — correct or not — Consumer Fundi can assess it free of charge. No strings, no pressure.

Drop your score below 👇

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

16/06/2026

🇿🇦 Happy Youth Day, South Africa.

Today we honour the courage of the youth of 1976 and celebrate the potential of the next generation.

Every dream starts with opportunity, knowledge and the determination to build a better future.

15/06/2026

⚠️ A creditor listed you. Did they follow the law first?

Most South Africans assume that if something is on their credit report, the creditor had the right to put it there.

That is not always true.

Under the National Credit Act, before a credit provider can list a default against you, they must:

📌 Deliver written notice to your last known address
📌 Give you at least 20 business days to respond
📌 Provide accurate account information in the notice
📌 Inform you of your right to dispute

If ANY of these steps were skipped or done incorrectly — the listing is procedurally invalid. And it can be disputed and removed.

This is not a technicality. It's the law.

Consumer Fundi audits the procedural compliance behind every listing we dispute. As an NCR-registered ADRA, we engage credit providers formally under Section 134 of the NCA.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

13/06/2026

Your free credit assessment costs R0. 📋

Not R99. Not R500. Zero.

Here's what happens when you reach out:

1️⃣ You send us your details
2️⃣ We pull your full credit report from all bureaus
3️⃣ We identify every listing that is incorrect, unfair, expired, or disputable
4️⃣ We give you a clear picture of what can be resolved — and how
5️⃣ You decide if you want to proceed. No pressure. No hidden costs.

We are one of only 10 NCR-registered ADRAs in South Africa.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

12/06/2026

It's Q&A Friday 🙋

Drop your credit question below. Every single one gets answered. No charge, no obligation.

This week's starter questions:

𝗤: 𝗖𝗮𝗻 𝗮 𝗰𝗿𝗲𝗱𝗶𝘁𝗼𝗿 𝗹𝗶𝘀𝘁 𝗺𝗲 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗻𝗼𝘁𝗶𝗳𝘆𝗶𝗻𝗴 𝗺𝗲 𝗳𝗶𝗿𝘀𝘁?
A: Under the NCA, a creditor must give you written notice and an opportunity to remedy before listing you. Many don't follow this correctly — and that's disputable.

𝗤: 𝗜 𝗽𝗮𝗶𝗱 𝗮 𝗱𝗲𝗯𝘁 𝗯𝘂𝘁 𝗶𝘁 𝘀𝘁𝗶𝗹𝗹 𝘀𝗵𝗼𝘄𝘀 𝗮𝘀 𝗼𝘂𝘁𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴. 𝗪𝗵𝗮𝘁 𝗰𝗮𝗻 𝗜 𝗱𝗼?
undefinedA: This is one of the most common issues we see. You have the right to dispute this — the creditor is required to update the listing within 5 business days of payment confirmation.

𝗤: 𝗜'𝘃𝗲 𝗯𝗲𝗲𝗻 𝗯𝗹𝗮𝗰𝗸𝗹𝗶𝘀𝘁𝗲𝗱 — 𝗱𝗼𝗲𝘀 𝘁𝗵𝗮𝘁 𝗺𝗲𝗮𝗻 𝗜 𝗰𝗮𝗻 𝗻𝗲𝘃𝗲𝗿 𝗴𝗲𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗴𝗮𝗶𝗻?
undefinedA: 'Blacklisted' isn't actually a legal term in South Africa. Adverse listings stay for 1–5 years, judgments for 5 years — but incorrect or disputable listings can be removed sooner.

What's your question this week? 👇

📞 087 376 4813 | consumerfundi.co.za

11/06/2026

🚫 MYTH: "My debt is 4 years old. The creditor can still list me."

✅ FACT: They legally cannot — if it has prescribed.

Here's the test:

📌 Is the debt older than 3 years?
📌 Have you made NO payment in that time?
📌 Have you NOT acknowledged the debt in writing?
📌 Does the creditor NOT have a court judgment?

If you answered YES to all four — that debt has likely prescribed under the Prescription Act.

A prescribed debt: cannot be collected, cannot be listed, cannot affect your credit score.

But here's the loophole creditors exploit:

Many South Africans don't know this rule. So they acknowledge the debt — even verbally — or make a small payment. That restarts the prescription clock from zero.

If you're being chased for old debt, DO NOT pay or acknowledge it before speaking to Consumer Fundi.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

10/06/2026

She applied for a rental three times. Rejected every time. 🏠

Nomsa had no judgment. No active defaults. Her credit score was average — 612.

So why was she being rejected?

When Consumer Fundi pulled her reports from all 4 bureaus, we found it:

🔴 A debt review flag that was never removed — despite completing debt review in 2021
🔴 Her Section 71 clearance certificate had been issued but never submitted to the bureaus
🔴 The flag was invisible on her TransUnion report but sitting on Experian and XDS

Most dispute processes only check one bureau. Landlords check all of them.

As a registered ADRA, Consumer Fundi engaged the relevant parties through the formal NCA process. Within 6 weeks, all 4 bureaus were cleared.

Nomsa is now in her new home.

Your report may have issues you don't even know about — on bureaus you've never checked.

WHATSAPP 087 376 4813 | consumerfundi.co.za

Address

Parktown
Johannesburg
2193

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 17:00

Telephone

+27873764813

Website

https://consumerfundi.co.za/

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