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What is credit? The word ' credit' is derived from the Latin verb 'credo', which means 'I trust' or ' I believe'. Taken literally, it means to place trust in an individual's ability to pay.
Credit therefore enables individuals & businesses to take care of their current wants and needs by agreeing to pay later for goods or services purchased today.
From a credit grantor's point of view, they want to be sure that an individual will commit to the credit agreement. An important element that they take into account in the decision making process is the individual's credit profile. The credit profile includes information on payment history, public record information and notification on enquiries made on the credit profile.
