Nothing more than my opinion on a subject. Granted :) my opinion is often rather different or radical.
You are entitled to a free credit report from any of the main credit data companies. Get to grips with your credit rating with a single free report each year from TransUnion or one of the three other major credit bureaus in South Africa.
Be wary of any sites other than the top 4, I mention, you are handing over your sensitive data, so be careful. Do not enter your data into any unprotected site.