Understand your credit. Take control of your future.
Mind My Money Credit Health gives you instant access to your credit report, personalised insights from AI, and a clear path to financial wellness — powered by Liberty.
How It Works
Four simple steps to credit clarity.
Verify Your Identity
Enter your SA ID number and contact details. We verify you securely via the Department of Home Affairs.
Consent & Fetch
Give POPIA consent for a soft credit enquiry. We fetch your full credit report from XDS — no impact on your score.
See Your Score
View your credit score, active accounts, payment history, and the factors affecting your rating.
Get Personalised Guidance
Our AI agents analyse your report and give you tailored advice to improve your credit health.
Your Credit Health Toolkit
Instant Credit Report
Access your full XDS credit report in seconds. See your score, accounts, payment history, and factors.
AI Credit Coach
Five specialised AI agents analyse your credit and give you personalised, actionable advice.
Multilingual Support
Get guidance in all 11 official South African languages. Ask in your language, get answers in your language.
Debt Counsellor Connect
If you need professional help, our Consult agent connects you with a certified debt counsellor.
Financial Fitness
Budgeting tools, savings plans, and a financial fitness assessment to track your progress.
Safe, Secure, Compliant
Your data is protected by the same standards that safeguard Liberty's millions of customers.
Ready to understand your credit?
It takes less than 2 minutes. No impact on your credit score.
Check Your Credit Score