Understanding the credit score in your Stitch account

Your Stitch account shows your credit score, sourced from a credit bureau, so you can keep an eye on it alongside your Pay Later activity. Here's what it means.

Where the score comes from

The score shown in your Stitch account is sourced from Experian, one of South Africa's main credit bureaus. It's the same score Experian provides to lenders when assessing credit applications.

What the score reflects

A credit score is a number that reflects your overall credit profile, based on your history of credit accounts, payments, and how you've managed credit over time. A higher score generally indicates a stronger profile.

How often it updates

The score in your Stitch account refreshes periodically. The date of the most recent check is shown alongside the score so you know how current it is.

What the band means

Alongside the number, you'll see a qualitative band such as "good" or "excellent". This is a general indicator of where your score sits on the scale. The number is the precise figure; the band is the plain-language summary.

If your score isn't what you expected

Credit scores depend on many factors outside Stitch, including accounts you have with other lenders. If you have a question about how a specific factor affects your score, you can request your free credit report directly from Experian.

Does my Pay Later activity affect my score?

Yes. Pay Later is a form of credit, so your repayment behaviour on Pay Later plans is part of your overall credit profile. Paying on time helps. Missed or late payments may be reported to credit bureaus and could affect your score.