Lulekani entrepreneur helps improve credit
From debt clearance to credit profile improvement, Nhlayiseko Twala is guiding Lulekani residents toward better financial futures.
LIMPOPO – A young entrepreneur from Lulekani township in Phalaborwa is making strides in helping residents regain control of their finances by offering practical advice and credit repair services.
Nhlayiseko Tranquility Twala manages a consulting business and is on a mission to educate communities about credit management and assist those struggling with debt to achieve financial freedom.
Experience drives credit consulting mission
Twala’s former work with a credit company gave him insight into how credit works, who qualifies for it, and the challenges many South Africans face when trying to access financial opportunities.
“I realised that many people are denied opportunities simply because they don’t understand how credit works or how to manage it,” Twala said.
“That’s what inspired me to start my credit and consulting business to bridge that gap and help people take control of their financial future.”
Helping clients rebuild credit and reduce debt
Through his company, Twala assists clients with debt clearance and credit profile improvement, aiming to give them a fresh financial start.
For 2026, the business is focusing on helping clients address outstanding accounts.
Expert tips for stronger credit scores
He outlined ten key tips to help individuals improve and maintain healthy credit profiles.
Among his top recommendations is regularly checking one’s credit report to stay informed and detect any errors early.
He also emphasises the need to pay bills on time, as consistent payments can significantly boost a credit score.
Reducing debt is another critical step, as it improves the debt-to-income ratio and increases financial stability.
Twala warns against applying for too much credit at once, noting that this can negatively impact one’s credit profile.
“Building a good credit history takes time and discipline,” he explained. “People must also monitor their credit utilisation and avoid negative marks such as defaults or judgments.”
He further advises prioritising the repayment of high-interest debt and considering secured credit options for those looking to rebuild their credit.
Staying informed about credit laws is also essential to ensure consumers understand their rights and responsibilities.
Guiding communities toward financial freedom
Twala believes that with the right knowledge and guidance, many South Africans can turn their financial situations around.
“My goal is to see people free from debt and able to access opportunities that come with having a healthy credit record,” he concluded.
