About Us

Our values and mission

About Us

The Credit Ombud resolves complaints from consumers and businesses that are negatively impacted by credit bureau information or when a consumer has a dispute with a credit provider. All debt counselling disputes and non-member disputes are referred directly to the National Credit Regulator (NCR) on 0860 627 627/011 554 2700/2600 or send an email to complaints@ncr.org.za 

At all times we will act honestly, independently and fairly, balancing the rights of all parties.

The Credit Ombud does consumer education pertaining to the credit and credit information industry.

Our service is free of charge and the only requirements that must be met are:

The Credit Ombud follows an informal dispute resolution process as stipulated in our Constitution. The rulings of the Ombud are binding on its Members (Credit Providers, Credit Bureaus) If the complainant is not happy with the decision of the office, he/she can seek alternative remedies to resolve the matter, or may approach the National Credit Regulator.

The Office of the Credit Ombud is an independent and impartial body that reports to the Credit Ombud Council. The Council is represented by 3 constituencies: consumer bodies, the credit constituency and independent members.

Our Values

The values of the Credit Ombud are not negotiable and cannot be diminished in any way.



We will act in the best interests of all parties, taking both sides into consideration and considering the merits of each case carefully.


We will not take sides and will remain impartial at all times. No individual or organisation will be in a position to unduly influence us.


We will openly deal with any issues brought before us, asking the relevant questions and communicating clearly and transparently.

Mission Statement

The Credit Ombud will:

  • Effectively resolve disputes between members of the credit industry and credit receivers (consumers and businesses) relating to credit and credit information matters.
  • Act as an educator to the public in matters pertaining to the credit industry.
  • At all times the Ombud will act honestly, independently and fairly; balancing the rights of all parties.