Members onboarding onto the platform have access to free benefits such as financial literacy courses, budgeting tools and loan calculators.

You will also be able to access the following:
• Financial Health Assessment
• Credit Report Fix
• Credit Builder Tool
• Financial Literacy courses.

The Financial Wellness platform offers the right tools and solutions to help you take charge of your financial future.

This is a free assessment we offer to give you an overview of your current financial situation, provide you with solutions on how to improve it, and give you an idea of what your financial situation could look like.

As part of our solution, CreditGateway provides you with an in-depth comprehensive view of your personal financial situation. This includes an overview of your credit score and report and your debt history. When registering on the
platform, we retrieve your credit information from a credit bureau to display it on your dashboard. For that, we will need your ID number.

Poor financial health can cause a lack of sleep, worry, anxiety,low self-esteem, paranoia and feeling of hopelessness.

Each credit bureau uses its own scoring model and criteria to calculate your credit score. This means your score can vary depending on which bureau you check. For example, you might have a score of 500 at CPB and 450 at XDS — not because your credit history is different, but because each bureau has its own method, score bands, and data sources.

No, checking your credit report on the platform will not affect your credit score.

There are two types of credit checks:

• Hard checks – performed by credit providers when you apply for credit.
  They can impact your score as they leave a record on your credit profile.
• Soft checks – when you check your own credit report for personal use. These do not leave an enquiry on your profile and have no impact on your score. The credit check done through the platform is a soft check, meaning it’s completely safe and will not impact your credit rating.