Kulelisonto sizobheka izingqinamba ezijwayele ukuvimbela lowo ofuna ukuthenga imoto ngesikweletu (Finance). Umthetho olawula ukuthathwa kwezikweletu, phecelezi National Credit Act, ube noshintsho ngo 2007 oluvikela ababhalwe kuhlu lwabangakhokhi kahle izikweletu (Credit Blacklisting). Olunye lwalolushintsho lwaluthi lowo onesikweletu esingaphansi kuka R250 obhalwe kuhlu lwe Credit Bureau kumele asuswe. Okunye kwakuthi uma isikweletu sesiqede isikhathi esigunyaziwe umthetho kumele sisuswe kwi blacklisting. Lokhu kunezigaba ezimbili.
Okokuqala : Lowo okhokha kancane noma okhokhe sekudlule isikhathi (default listing) uyasuswa kwi Black listing uma sekuphele iminyaka emibili ebhaliwe kuhlu. Uma sekuphele unyaka ekhokha kahle isikweletu sakhe, uyasuswa kuhlu.
Okwesibili : Lowo one judgement ngesikweletu angasikhokhanga uyasuswa emuva kweminyaka emihlane (5 years) ebhaliwe kuhlu lwe Black listing. Uyakwazi ukususwa kungakapheli isikhathi uma eseqedile ukusikhokhela isikweletu sakhe. Ukuyisusa kusho ukuthi uyile enkantolo wakhombisa ubufakazi bokuthi useyokhokhe wayiqeda. Ube esethola incwadi yenkantolo egunyaza ukuthi labo ababhala uhlu lokukhokhwa kwezikweletu (Credit Listing) bamususe njengomuntu one judgement.
Lokhu okungaphezulu kungasiza lowo osabhaliwe kodwa umthetho umuvuna ukuthi asuswe ukuze athole isikweletu sokuthenga imoto.
Lowo ongaphansi kwe Debt Review, amabhange awakwazi ukumnika imali mboleko uma efuna ukuthenga imoto ngesikweletu. Uze aqede ukuba ngaphansi kwaloluhlelo lwe Debt Review ngaphambili kokuba isicelo sakhe singaphazamiswa noma simiswe yiloluhlelo. Kubalulekile ukuthi umuntu azi izingqinamba angaba nazo uma engena ku Debt Review. Ngaphambili kokuvumela izinkampani ezikhangisa ngokukusiza ngaloluhlelo, kumele wazi ukuthi asikho isikweletu esihambisana nomthetho we National Credit Act okwazi ukusithola.