# ![@sibusisomsani2023 Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7106790487079961606.png) @sibusisomsani2023 Sibusiso Msani

Sibusiso Msani posts on TikTok about debt, how to, collector, score the most. They currently have [-------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/tiktok::7106790487079961606/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7106790487079961606/c:line/m:interactions.svg)

- [--] Week [-------] +50%
- [--] Month [---------] -13%
- [--] Months [----------] +2,709%
- [--] Year [----------] +318%

### Mentions: [--] [#](/creator/tiktok::7106790487079961606/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7106790487079961606/c:line/m:posts_active.svg)

- [--] Week [--] -13%
- [--] Month [--] +100%
- [--] Months [---] +1,175%
- [--] Year [---] +5,100%

### Followers: [-------] [#](/creator/tiktok::7106790487079961606/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7106790487079961606/c:line/m:followers.svg)

- [--] Week [------] +4.40%
- [--] Month [------] +14%
- [--] Months [------] +555%

### CreatorRank: [-------] [#](/creator/tiktok::7106790487079961606/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7106790487079961606/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [automotive brands](/list/automotive-brands) 

**Social topic influence**
[debt](/topic/debt) #135, [how to](/topic/how-to), [collector](/topic/collector), [score](/topic/score), [money](/topic/money), [pay](/topic/pay) #1381, [hidden](/topic/hidden), [you dont](/topic/you-dont) #809, [credit scores](/topic/credit-scores) #46, [check](/topic/check)

**Top accounts mentioned or mentioned by**
[@pheladi](/creator/undefined) [@hemiboyrae](/creator/undefined) [@teachersingi](/creator/undefined) [@mandisa](/creator/undefined) [@0812579896](/creator/undefined) [@cannanie](/creator/undefined) [@mashenge](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"#personalfinance #debtfree #investment #BUDGETING #foryoupage❤❤ Expenses categories Variable changes every month such as electricity food petrol water etc. Fixed expenses - don't change every month such as rent/bond car installment insurance premium levies rates etc. Fixed - same every month variable - Changes everything Expenses categories Variable changes every month such as electricity food petrol water etc. Fixed expenses - don't change every month such as rent/bond car installment insurance premium levies rates etc. Fixed - same every month variable - Changes everything"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7267947815593053442)  2023-08-16T15:49Z [---] followers, [---] engagements


"financial discipline When I say Im broke I dont mean my bank account is sitting at R0.00. I mean Ive hit the limit of the money I budgeted to spend. Its called financial discipline not poverty When I say Im broke I dont mean my bank account is sitting at R0.00. I mean Ive hit the limit of the money I budgeted to spend. Its called financial discipline not poverty"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7460740110439419141)  2025-01-17T04:42Z [----] followers, 98.9K engagements


"I am [--] years single Zero savings broke by [--] of every month 😤 #MoneyMatters #budget #spendingmoney I am [--] years single Zero savings broke by [--] of every month 😤 I am [--] years single Zero savings broke by [--] of every month 😤"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7496973916750007558)  2025-04-24T20:07Z [----] followers, 116.8K engagements


"Here is how to use credit to your advantage. #credit #creditscore #debt"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7538152080339438904)  2025-08-13T19:20Z 23.1K followers, 12.2K engagements


"#debt #debtcollector #tiktokviral #tiktoklive #fyp Debt collectors dont want you to know this. Debt collectors dont want you to know this"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7538882864872475922)  2025-08-15T18:35Z 24.8K followers, 139.2K engagements


"Unlocking the Secrets of Your Credit Score #creditscore #financialtips #moneyadvice #PersonalFinance #fyp how to improve your credit score: how to improve your credit score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7539261378104708359)  2025-08-16T19:04Z 16.2K followers, 19.9K engagements


"#debtcollector #debt #creditscore Client: A debt collector called me and said I can pay R50 for a R30k debt I last paid [--] years ago. Should I agree Me: Client: A debt collector called me and said I can pay R50 for a R30k debt I last paid [--] years ago. Should I agree Me:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7541810851360066834)  2025-08-23T15:57Z 25.2K followers, 293.6K engagements


"GROW YOUR CREDIT SCORE IN [--] DAYS AND GET APPROVED #credit #creditscore #creditapproval #fyp #viral GROW YOUR CREDIT SCORE IN [--] DAYS AND GET APPROVED GROW YOUR CREDIT SCORE IN [--] DAYS AND GET APPROVED"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7541869833265106184)  2025-08-23T19:46Z 23.4K followers, 45.7K engagements


"Places to check your credit report and credit score. #debtreview #credit #creditscore #loan #fyp Places to get your credit report and credit score: Places to get your credit report and credit score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7542940400189754631)  2025-08-26T17:01Z 20.2K followers, [----] engagements


"#debt #prescription #debtcollector POV: That moment you realise you just brought back to life your old prescribed debt by acknowledging it and making payment arrangements and now its too late. 😩📉 POV: That moment you realise you just brought back to life your old prescribed debt by acknowledging it and making payment arrangements and now its too late. 😩📉"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7543342856149224722)  2025-08-27T19:02Z 20.2K followers, 50K engagements


"PROTECT YOURSELF USING THIS RULE. #foryoupage #credit #creditscore PROTECT YOURSELF USING THIS CREDIT RULE: WATCH THIS PROTECT YOURSELF USING THIS CREDIT RULE: WATCH THIS"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7544796668856732935)  2025-08-31T17:04Z 20.8K followers, [----] engagements


"📈 +21 points in just [--] months 🚀 This is what happens when you stop guessing and start working with a plan. Small consistent steps = big results. 💪 #CreditScore #financialfreedom AUGUST [----] SEPTEMBER [----] AUGUST [----] SEPTEMBER 2025"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7546158227851922744)  2025-09-04T09:08Z 20.8K followers, [----] engagements


"Dealing with a #debtcollector #debtfreejourney #loan #fyp Me: Debt collector lady: Hi bhuti I am calling to collect the R50k you took [--] years ago and never paid back. Me: Debt collector lady: Hi bhuti I am calling to collect the R50k you took [--] years ago and never paid back"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7549649990256184583)  2025-09-13T18:57Z 23.4K followers, 10.7K engagements


"#loanhelp #PersonalFinance #bankingtips #financialliteracy #loans"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7549930211765275910)  2025-09-14T13:05Z 23.6K followers, [----] engagements


"#debtfreejourney #fyp #credit #creditscore #creditrepair Why score is dropping after paying my arrears🤔😤 Why score is dropping after paying my arrears🤔😤"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7550393571359165704)  2025-09-15T19:03Z 23.5K followers, [----] engagements


"#debtcollector #fyp #debtfreejourney #creditscore #creditrepair How to get debt collectors off your back: How to get debt collectors off your back:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7550781136788606215)  2025-09-16T20:07Z 24K followers, 125.1K engagements


"#creditcard #creditscore #fyp #loan #debt You are using your credit card wrong and hurting your credit score: You are using your credit card wrong and hurting your credit score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7551157874362191112)  2025-09-17T20:29Z 24.2K followers, 33.4K engagements


"#loan #credit #fyp #debt #bank Banks are ripping you off And you allowed it: Banks are ripping you off And you allowed it:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7552990568784153863)  2025-09-22T19:01Z 24.6K followers, [----] engagements


"#latepayments #removal #deleted #fyp #creditscore Late payments can be deleted to boost your credit score: Late payments can be deleted to boost your credit score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7554850299412778247)  2025-09-27T19:17Z 25.1K followers, 25.3K engagements


"#creditrepair #creditscore #credit #fyp #debt I paid R15000 to fix my credit and nothing happened. I have been scammed 🥹🥹 I paid R15000 to fix my credit and nothing happened. I have been scammed 🥹🥹"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7555518671620230407)  2025-09-29T14:31Z 25.2K followers, 25.2K engagements


"Replying to @Pheladi M #loan #credit #fyp"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7556285263643692306)  2025-10-01T16:06Z 25.8K followers, [----] engagements


"#debtcollector #debtfreejourney #fyp #MoneyMindset #CreditScore Here is another trick debt collectors use so that you restart the clock on expired debt😳😳😳. Dont panic and do this: Here is another trick debt collectors use so that you restart the clock on expired debt😳😳😳. Dont panic and do this:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7556729100015045896)  2025-10-02T20:48Z 25.6K followers, 17.8K engagements


"This is what is getting you declined when you apply for loans or credit. #fyp #creditscore #loan #credit #creditrepair This is what is getting you declined when you apply for loans or credit: 🤔🤔🤔 This is what is getting you declined when you apply for loans or credit: 🤔🤔🤔"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7557265863095651592)  2025-10-04T07:31Z 25.7K followers, [----] engagements


"Telling me to take my SRT badge off is crazy😒😂 #chrysler #viral #fyp #cartok #scatpack #carsoftiktok #hellcat #funnymemes @HEMIBOYRAE POV:YOUBOUGHTACHRYSLERRT😭 POV:YOUBOUGHTACHRYSLERRT😭"  
[TikTok Link](https://www.tiktok.com/@alshvn/video/7374073654130330923)  2024-05-28T15:32Z 126.4K followers, 2.7M engagements


"Never pay expired debt. #prescibedebt #creditscore #financialtips #fyp Never pay expired debt Never pay expired debt"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7539498766815022344)  2025-08-17T10:25Z 62.8K followers, 1.2M engagements


"Get rid of loan shark or mashonisa debt #mashonisa #loan #debtcollector #fyp #viraltiktok GET RID OF MASHONISA OR LOAN SHARK DEBT: GET RID OF MASHONISA OR LOAN SHARK DEBT:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7541842575104199954)  2025-08-23T18:01Z 56K followers, 96.2K engagements


"Are debt collectors Calling non stop for old debts WATCH THIS #creditscore #debtcollector #loan #fyp #debt Are debt collectors HARASSING you for old debts WATCH THIS Are debt collectors HARASSING you for old debts WATCH THIS"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7543267767991028999)  2025-08-27T14:11Z [--] followers, 460.7K engagements


"The best way to buy a car As a first time buyer #foryoupage #car #loan #creditscore The best way to buy a car As a first time buyer The best way to buy a car As a first time buyer"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7545583040899157255)  2025-09-02T19:56Z 30K followers, 73.5K engagements


"Clean your credit report and get approved #fyp #creditscore #creditrepair #loan #car Clean your credit report Clean your credit report"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7548931708305886482)  2025-09-11T20:30Z 34.8K followers, [----] engagements


"#debtcollector #debtfreejourney #fyp #credit #creditscore POV: When the client proudly says I paid ALL the debt collectors on my credit report R100k gone and now we have to wait [--] years before they are removed . 😭 POV: When the client proudly says I paid ALL the debt collectors on my credit report R100k gone and now we have to wait [--] years before they are removed . 😭"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7550020992811191560)  2025-09-14T18:57Z 27.7K followers, 139K engagements


"Strength. Faith. Erika Kirk. Not Revolution Revival. Not Revolution Revival"  
[TikTok Link](https://www.tiktok.com/@grantcardone/video/7553292780638850359)  2025-09-23T14:34Z 2.5M followers, 2.8M engagements


"#loan #credit #fyp #debt #creditscore Before you go and apply For a loan/car/homeloan Check these things: Before you go and apply For a loan/car/homeloan Check these things:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7553392849169960200)  2025-09-23T21:02Z 55.4K followers, 95.3K engagements


"#credit #CreditTips #creditscore #CreditRepair #fyp [--] steps to boost your credit score: [--] steps to boost your credit score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7561164650763619591)  2025-10-14T19:40Z 29.7K followers, [----] engagements


"Your credit score doesnt drop overnight it dies slowly from habits you didnt even notice 😳 Fix these before its too late. #CreditScore #SouthAfricaFinance #DebtFreeJourney #CreditRepairSA #fyp [--] Credit Mistakes That Are Quietly Killing Your Score: [--] Credit Mistakes That Are Quietly Killing Your Score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7561532006249598216)  2025-10-15T19:26Z 30K followers, 14.1K engagements


"#creditscore #creditrepair #credit #debtcollector #fyp POV: A debt collector keeps calling and asking for debt I stopped paying [--] years ago. Me: Blocked them by Prescription Act. POV: A debt collector keeps calling and asking for debt I stopped paying [--] years ago. Me: Blocked them by Prescription Act"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7562491506947394834)  2025-10-18T09:29Z 32.3K followers, 39K engagements


"#CreditScore #FinancialHealth #fyi #CreditReport #PersonalFinance Earning R45000 Per month but cant qualify for a car😬😳 Earning R45000 Per month but cant qualify for a car😬😳"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7567092206738214152)  2025-10-30T19:02Z 36.5K followers, [----] engagements


"#DebtAdvice #FinancialFreedom #ConsumerRights #fyi #DebtCollector Debt Collectors' Tricks Exposed: How to Protect Yourself Debt Collectors' Tricks Exposed: How to Protect Yourself"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7567832769317883143)  2025-11-01T18:56Z 36K followers, 159.6K engagements


"#creditscore #DebtCollector #fyp #CreditReport #debt The Hidden Trap of Paying Debt Collections: What You Need to Know The Hidden Trap of Paying Debt Collections: What You Need to Know"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7568215064050715922)  2025-11-02T19:39Z 36K followers, 31.7K engagements


"Replying to @TeacherSingi #CreditScore #FinancialEducation #fyp #CreditRepair Credit score: +7 points Credit score: +7 points"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7568933449331936519)  2025-11-04T18:07Z 36K followers, 180.1K engagements


"#DebtCollection #ConsumerRights #DebtAdvice #fypviral #LegalProtection Debt Collectors' Bluff: Know Your Rights and Stop Unnecessary Payments Debt Collectors' Bluff: Know Your Rights and Stop Unnecessary Payments"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7570446082925202695)  2025-11-08T19:57Z 35.6K followers, 14.8K engagements


"#creditscore #creditrepair #CreditTips #CreditTips #viral POV: When your credit score is at this stage of the Nigerian movie contact us for help. POV: When your credit score is at this stage of the Nigerian movie contact us for help"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7572948875351198994)  2025-11-15T13:49Z 37.4K followers, [----] engagements


"#creditscore #creditrepair #CreditTips #viral #fyp Me: Me: 😳 my friend no. Client: My score is [---]. I need a car by month-end. Can you fix it fast Me: Me: 😳 my friend no. Client: My score is [---]. I need a car by month-end. Can you fix it fast"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7573732618244476168)  2025-11-17T16:30Z 36.3K followers, 31.7K engagements


"#debt #fyp #viral #creditscore #debtcollector If you stayed 3+ years without paying a debt then a debt collector sweet-talked you into paying even just R50 we need to talk. Show yourself. If you stayed 3+ years without paying a debt then a debt collector sweet-talked you into paying even just R50 we need to talk. Show yourself"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7575407704424992007)  2025-11-22T04:50Z 55.3K followers, 149.3K engagements


"#debtcollector #prescription #debt #fyi #viral"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7575815746891107602)  2025-11-23T07:14Z 55.8K followers, 45.5K engagements


"#creditscore #debtcollector #debt #fyi #viral Me: Calm down Credit Rise Capital is there for your credit fix and money management. Client: Im struggling my credit score is low debt collectors calling non stop not approved for anything Me: Calm down Credit Rise Capital is there for your credit fix and money management. Client: Im struggling my credit score is low debt collectors calling non stop not approved for anything"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7576279049685798151)  2025-11-24T13:12Z 37.7K followers, 1.6M engagements


"#creditscore #tips #enquiries #fyp #viral Credit Rise Capital Enquiries gone Default gone Score increased Look ➡➡➡➡ Credit Rise Capital Enquiries gone Default gone Score increased Look ➡➡➡➡"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7580643041866796306)  2025-12-06T07:26Z 55.4K followers, [----] engagements


"#creditrepair #fyp #viral #debtremoval #CreditScore Client: Can you quickly add [---] points to my score so it hits [---] I need a car next week its urgent. Me: Thats not credit repair thats fraud. And I dont do fraud. 😅 Client: Can you quickly add [---] points to my score so it hits [---] I need a car next week its urgent. Me: Thats not credit repair thats fraud. And I dont do fraud. 😅"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7583273511771294984)  2025-12-13T09:34Z 50.4K followers, [----] engagements


"#CreditScore #fyp #credit #loan #viral How much can you afford to pay off this account so that we start negotiating for you Client: How much can you afford to pay off this account so that we start negotiating for you Client:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7583619095300492551)  2025-12-14T07:55Z [--] followers, [----] engagements


"#creditscore #fyp #viral #trendingvideo #debt Me: Credit Rise Capital will fix it for you Client: My score is [---]. I have missed payments written off defaults unauthorised enquiries. I need your help. Me: Credit Rise Capital will fix it for you Client: My score is [---]. I have missed payments written off defaults unauthorised enquiries. I need your help"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7588250442736356626)  2025-12-26T19:27Z 56K followers, 95.1K engagements


"#creditscore #fyp #viral #trendingvideo #credit Credit Rise Capital: Aint no way Can I qualify for a bond Some debts are paid up. Current accounts are up to date. My credit score is [---] Credit Rise Capital: Aint no way Can I qualify for a bond Some debts are paid up. Current accounts are up to date. My credit score is 535"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7588530586084494599)  2025-12-27T13:34Z [--] followers, 37.8K engagements


"#creditscore #credit #fyp #viral #debt Paying debts on time Will not help fix your Credit profile 🚶🏿➡🚶🏿➡🚶🏿➡ Paying debts on time Will not help fix your Credit profile 🚶🏿➡🚶🏿➡🚶🏿➡"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7594567113264712967)  2026-01-12T19:59Z 57K followers, 140.3K engagements


"#creditscore #fyp #creditrepair #creditreport #viral If your credit score is less than [---] watch this: If your credit score is less than [---] watch this:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7599736059018202375)  2026-01-26T18:17Z 62.8K followers, 88.2K engagements


"#creditscore #fyp #viral #loan #credit Contact Credit Rise Capital to make it happen for you. POV: My score is [---]. I pray that it goes to [---] so that I qualify for a car. Contact Credit Rise Capital to make it happen for you. POV: My score is [---]. I pray that it goes to [---] so that I qualify for a car"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7583774015513185544)  2025-12-14T17:56Z 58.3K followers, 32K engagements


"#credit #creditscore #fyp #viral #trend The problem is that if debt prescribes or you ask for arrears or missed payments to be removed you will never be able to borrow again The problem is that if debt prescribes or you ask for arrears or missed payments to be removed you will never be able to borrow again"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7587108099761261842)  2025-12-23T17:34Z [--] followers, 82.1K engagements


"#creditscore #debtcollector #credit #fyp #viral You should know this about debt collectors: You should know this about debt collectors:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7597508113746431239)  2026-01-20T18:11Z [--] followers, 38.1K engagements


"Here is how to check if debt has prescribed or expired. #prescribeddebt #creditscore #loan #fyp #debtcollector Here is how to check if debt has prescribed or expired Here is how to check if debt has prescribed or expired"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7541355584063360263)  2025-08-22T10:31Z 62.8K followers, 174.4K engagements


"#creditscore #debtcollector #foryoupage #debt #trendingvideo Sisuse amaaccount awu4 angangoR500 [---] ku credit report yeclient: ❤😀😀 Sisuse amaaccount awu4 angangoR500 [---] ku credit report yeclient: ❤😀😀"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7590772802840497415)  2026-01-02T14:35Z 62.8K followers, 314.4K engagements


"#debtcollector #credit #creditscore #fyp #viral If these things are not sent to you dont pay the debt collector: If these things are not sent to you dont pay the debt collector:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7600858840925605138)  2026-01-29T18:54Z 62.8K followers, 77.4K engagements


"#greenscreen #creditscore #debtcollector #fyp #viral Me: Client: Hi a debt collector called me and want me to pay R50 on my account. They say it will help with my credit score. Me: Client: Hi a debt collector called me and want me to pay R50 on my account. They say it will help with my credit score"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7600727440956099848)  2026-01-29T10:24Z 62.8K followers, 17K engagements


"#creditscore #credit #debtcollector #fyp #viral [--] Rights You Have Against Debt Collectors - Know Your Power [--] Rights You Have Against Debt Collectors - Know Your Power"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7602363442703502599)  2026-02-02T20:12Z 62.8K followers, 228.9K engagements


"UNDERSTAND #debtrestructuring VS #debtreview #debtfree #creditrepair #creditscore UNDERSTAND DEBT RESTRUCTURING VS DEBT REVIEW🤔 UNDERSTAND DEBT RESTRUCTURING VS DEBT REVIEW🤔"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7540753330671324434)  2025-08-20T19:34Z 60.3K followers, [----] engagements


"Here is how to remove a JUDGEMENT on your name #creditapproval #creditscore #loan Here is how to remove a JUDGEMENT on your name Here is how to remove a JUDGEMENT on your name"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7542044330492431624)  2025-08-24T07:04Z 59.9K followers, 21.9K engagements


"How to stop repossession of your car or home and debt collectors from calling non stop #debt #debtreview #creditcard #loan #fyp How to stop repossession of your car or home and debt collectors from calling non stop How to stop repossession of your car or home and debt collectors from calling non stop"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7542468717062425861)  2025-08-25T10:30Z [--] followers, 11.2K engagements


"Here are [--] reasons why your loan application was denied. #creditscore #loan #debt ##fyp Here are [--] reasons why your loan application was not approved: Here are [--] reasons why your loan application was not approved:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7542988134892506386)  2025-08-26T20:06Z 59K followers, 55K engagements


"Bad credit blocking you from getting a job Here is what you need to do. #credit #creditscore #debt #loan #fyp BAD CREDIT RECORDS CAN BLOCK YOU FROM GETTING A JOB: WATCH THIS BAD CREDIT RECORDS CAN BLOCK YOU FROM GETTING A JOB: WATCH THIS"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7544307864551132423)  2025-08-30T09:27Z 59K followers, 13K engagements


"HERE IS WHY YOUR LOAN BALANCE IS NOT GOING DOWN AFTER PAYMENTS #debt #creditscore #credit #fyp #debtreview HERE IS WHY YOUR LOAN BALANCE IS NOT GOING DOWN AFTER PAYMENTS HERE IS WHY YOUR LOAN BALANCE IS NOT GOING DOWN AFTER PAYMENTS"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7547062902109375752)  2025-09-06T19:38Z 58.9K followers, 20.3K engagements


"#CreditScore #FinancialEducation #SouthAfricanFinance #CreditRepair #fyp The Hidden Truth: Why Your Credit Score Drops Even When You Pay On Time The Hidden Truth: Why Your Credit Score Drops Even When You Pay On Time"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7568577408085789960)  2025-11-03T19:05Z 61.4K followers, 100.1K engagements


"#credit #creditrepair #creditscore #fyp #fyppppppppppppppppppppppp POV: When I see my friend with red on his credit report and credit score of [---]. While I qualify for R350k in credit that I can use. POV: When I see my friend with red on his credit report and credit score of [---]. While I qualify for R350k in credit that I can use"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7570264423059770631)  2025-11-08T08:12Z 58.9K followers, 183.9K engagements


"#CreditScore #FinancialHealth #CreditReports #PersonalFinance #fyppppppppppppppppppppppp The Hidden Truth: Why Checking One Credit Report Is Dangerous The Hidden Truth: Why Checking One Credit Report Is Dangerous"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7574158465287949586)  2025-11-18T20:03Z 61.2K followers, 33.3K engagements


"#creditscore #debtcollector #fyp #viral #creditrepair POV: What I hear when clients give me feedback. POV: What I hear when clients give me feedback"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7574837542374247698)  2025-11-20T15:58Z 61.4K followers, 14.3K engagements


"#creditscore #credit #carfinance #fyp #viral How to Legally Remove Debt from Your Credit Report How to Legally Remove Debt from Your Credit Report"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7580470879268785416)  2025-12-05T20:18Z 59K followers, 48.8K engagements


"#creditreport #financialliteracy #creditscore #personalfinance #moneytips Here is how to go through your credit report: Here is how to go through your credit report:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7581931369450835208)  2025-12-09T18:46Z 60.3K followers, [----] engagements


"#prescribeddebt #creditscore #credit #fyp #viral And many more. Show us clients where you removed accounts and improved scores. Me: Let me show you➡➡➡ And many more. Show us clients where you removed accounts and improved scores. Me: Let me show you➡➡➡"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7591595958232796424)  2026-01-04T19:49Z 58.9K followers, 15.6K engagements


"#credit #creditscore #fyp #viral #debtcollector Paying expired debt is how people stay broke. Silence wouldve cost you R0. 😬 Paying expired debt is how people stay broke. Silence wouldve cost you R0. 😬"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7594503863416278280)  2026-01-12T15:53Z 59K followers, 402.6K engagements


"#creditscore #credit #fyp #viral #debtcollector POV: When debt collectors suddenly call every day non-stop that debt is probably close to prescribing or expiring. POV: When debt collectors suddenly call every day non-stop that debt is probably close to prescribing or expiring"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7594763244024171783)  2026-01-13T08:40Z 59K followers, 215.1K engagements


"#creditscore #creditrepair #creditreport #fyp #viral Paying up debt collectors the WRONG WAY will drop your credit score: Paying up debt collectors the WRONG WAY will drop your credit score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7598636342859336978)  2026-01-23T19:09Z 59K followers, 11.3K engagements


"#debtcollector #credit #loan #judgement #fyp DEBT COLLECTORS DONT WANT YOU TO KNOW THIS: DEBT COLLECTORS DONT WANT YOU TO KNOW THIS:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7541142673550216456)  2025-08-21T20:45Z [--] followers, 371.8K engagements


"Judgement could be declining your credit or loan application #creditjudgement #creditbureaus #loans #credit #fyp HOW TO CHECK IF THERE IS A JUDGEMENT AGAINST YOU HOW TO CHECK IF THERE IS A JUDGEMENT AGAINST YOU"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7541498704444804360)  2025-08-22T19:46Z [--] followers, 23.8K engagements


"What to do with prescribed or expired Debt #debt #creditscore #credit #foryoupage What to do with prescribed or expired Debt. What to do with prescribed or expired Debt"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7545953464401087751)  2025-09-03T19:53Z [--] followers, 38.3K engagements


"#creditscore #buildcredit #creditscoretips #fyp #viral Credit Rise Capital Here is how to build your credit score from [---] to [---] in [--] months: Credit Rise Capital Here is how to build your credit score from [---] to [---] in [--] months:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7577022553148099858)  2025-11-26T13:17Z 62.6K followers, 81.1K engagements


"#creditscore #credit #debt #loan #viral Credit Rise Capital Will help you increase Your credit score Credit Rise Capital Will help you increase Your credit score"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7591914813136178439)  2026-01-05T16:27Z [--] followers, [----] engagements


"Replying to @Mandisa Mgoboza #creditscore #creditrepair #debtcollector #fyp #viral"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7598868028788460808)  2026-01-24T10:09Z [--] followers, [----] engagements


"#debt #debtcollector #tiktokviral #tiktoklive Banks dont want you to know this secret 🫣🫣 Banks dont want you to know this secret 🫣🫣"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7538518738681744647)  2025-08-14T19:02Z 62.8K followers, 668.6K engagements


"#underdebtreview #debtreviewremoval #debtreview #savethis #creditscore How to spot DEBT REVIEW SCAMS How to spot DEBT REVIEW SCAMS"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7540380142946864402)  2025-08-19T19:26Z 62.7K followers, 30.2K engagements


"#creditscore #creditrepair #loan #debtcollector #fyp Stop Paying Expired Debt: Stop Paying Expired Debt:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7562267350586707218)  2025-10-17T18:59Z 62.7K followers, 1.1M engagements


"#DebtCollection #ConsumerRights #fyp #DebtRelief #FinancialFreedom Debt Collectors' Secrets: Know Your Legal Rights and Fight Back Debt Collectors' Secrets: Know Your Legal Rights and Fight Back"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7569331382514617618)  2025-11-05T19:51Z 62.7K followers, 249.2K engagements


"#CreditRepair #DebtCollection #CreditScore #fyp #viral Credit Rise Capital Here is how to remove debt collectors accounts on your credit report for good: Credit Rise Capital Here is how to remove debt collectors accounts on your credit report for good:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7577477831181995282)  2025-11-27T18:44Z 62.7K followers, 124.1K engagements


"#debtcollector #debts #creditscore #fyp #trendingvideo Uma debt collectors zifona phendula ifoni wenze kanje: Uma debt collectors zifona phendula ifoni wenze kanje:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7589562909295021320)  2025-12-30T08:20Z 62.8K followers, 1.2M engagements


"Delete missed payments or defaults on your credit report #creditrepair #creditscore #financialtips #debtfree #financialliteracy Delete records of missed or default payments from your report Delete records of missed or default payments from your report"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7549294772633029906)  2025-09-12T19:59Z 62.8K followers, 171.8K engagements


"Credit repair is our game. #creditscore #credit #loan #blacklisted #fyp You are losing money because of your low credit score. Let us fix it: Hard enquiries removed Score up [--] points A month later Score up by [--] points A month later You are losing money because of your low credit score. Let us fix it: Hard enquiries removed Score up [--] points A month later Score up by [--] points A month later"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7564791759511817490)  2025-10-24T14:15Z 62.8K followers, 247K engagements


"#debtcollector #prescription #fyp #viral #creditscore Once a debt is sold to a debt collector you dont owe it anymore😳🤔 Once a debt is sold to a debt collector you dont owe it anymore😳🤔"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7603838831787314450)  2026-02-06T19:38Z 62.8K followers, [----] engagements


"#debtcollector #debts #creditscore #fyp #trendingvideo Uma debt collectors zifona phendula ifoni wenze kanje: Uma debt collectors zifona phendula ifoni wenze kanje:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7589562909295021320)  2025-12-30T08:20Z 62.8K followers, 1.2M engagements


"#debt #debtcollector #tiktokviral #tiktoklive Banks dont want you to know this secret 🫣🫣 Banks dont want you to know this secret 🫣🫣"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7538518738681744647)  2025-08-14T19:02Z 62.8K followers, 668.6K engagements


"Never pay expired debt. #prescibedebt #creditscore #financialtips #fyp Never pay expired debt Never pay expired debt"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7539498766815022344)  2025-08-17T10:25Z 62.8K followers, 1.2M engagements


"#creditscore #creditscoretips #fyp #viral #credit Most people are making this financial decision and it is costing them their credit score and a lot of money: Most people are making this financial decision and it is costing them their credit score and a lot of money:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7606644079719501074)  2026-02-14T09:04Z 62.8K followers, [---] engagements


"#creditscore #debtcollector #fyp #viral #creditscoretips POV: Debt collector calling you non-stop for debt you last paid [--] years ago. Me: POV: Debt collector calling you non-stop for debt you last paid [--] years ago. Me:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7606386268821409032)  2026-02-13T16:23Z 62.8K followers, [----] engagements


"#creditscore #fyp #creditscoretips #fyf #viral POV: Listen with me as I discuss more on growing credit scores on Gagasi fm.📻 POV: Listen with me as I discuss more on growing credit scores on Gagasi fm.📻"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7605667129530043655)  2026-02-11T17:53Z 62.8K followers, [----] engagements


"#creditscore #creditscoretipsandtricks #fyp #viral_video #credit Paying on time is not going to help you increase your credit score: Paying on time is not going to help you increase your credit score:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7605310922525068552)  2026-02-10T18:50Z 62.8K followers, 64.2K engagements


"#creditscore #credit #fyp #viral #creditscoretips Dont miss the next episode of money matters on Gagasi Fm tomorrow Between 8:00am to 8:30am Dont miss the next episode of money matters on Gagasi Fm tomorrow Between 8:00am to 8:30am"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7605268097913638152)  2026-02-10T16:04Z 62.8K followers, [----] engagements


"#creditscore #debtcollector #fyp #viral #whatsapp@0812579896 That installment you are paying to a debt collector or attorney Only 10% goes towards debt. The rest to fees and other charges. That installment you are paying to a debt collector or attorney Only 10% goes towards debt. The rest to fees and other charges"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7604936659100028167)  2026-02-09T18:38Z 62.8K followers, [----] engagements


"#prescription #creditscore #fyp #viral #disputes Waiting for debt to expire/prescribe is NOT always wrong but🤔 Waiting for debt to expire/prescribe is NOT always wrong but🤔"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7604089695743626504)  2026-02-07T11:51Z 62.8K followers, [----] engagements


"#debtcollector #prescription #fyp #viral #creditscore Once a debt is sold to a debt collector you dont owe it anymore😳🤔 Once a debt is sold to a debt collector you dont owe it anymore😳🤔"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7603838831787314450)  2026-02-06T19:38Z 62.8K followers, [----] engagements


"#creditscore #creditscoretips #credit #viral #fyp A low credit score and bad profiles are not Permanent: A low credit score and bad profiles are not Permanent:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7603455407088028946)  2026-02-05T18:50Z 62.8K followers, [----] engagements


"#creditscore #creditscoretips #fyp #viral This is how my interview on Gagasi went. Listen more in the comments: This is how my interview on Gagasi went. Listen more in the comments:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7603079649815448840)  2026-02-04T18:32Z 62.8K followers, [----] engagements


"#creditscore #credit #debtcollector #fyp #viral [--] Rights You Have Against Debt Collectors - Know Your Power [--] Rights You Have Against Debt Collectors - Know Your Power"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7602363442703502599)  2026-02-02T20:12Z 62.8K followers, 228.9K engagements


"#debtcollector #debtreview #fyp #viral #creditscore POV: Debt collector calling in the morning asking for debt that has expired: Me: POV: Debt collector calling in the morning asking for debt that has expired: Me:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7602253728539839762)  2026-02-02T13:07Z 62.8K followers, [----] engagements


"#creditscore #disputes #creditrepair #fyp #viral Here is how to submit winning disputes and increase your credit score and get approved: Here is how to submit winning disputes and increase your credit score and get approved:"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7601594706031676680)  2026-01-31T18:29Z 62.8K followers, 11.2K engagements


"Replying to @CANNANIE #credit #creditscoretips #fyp #trendingvideo Things people say when contacted for prescribed debt Things people say when contacted for prescribed debt"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7601521822340812050)  2026-01-31T13:47Z 62.8K followers, 15.8K engagements


"It is done. #creditrepair #approvals #finance To more clean credit profiles and approvals🥂 It is done🎉 To more clean credit profiles and approvals🥂 It is done🎉"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7601441035297901842)  2026-01-31T08:33Z 62.8K followers, [----] engagements


"Replying to @mashenge #credit #creditscore #viral #trendingvideo #creditrepair They got you 🤣🤣🤣 They got you 🤣🤣🤣"  
[TikTok Link](https://www.tiktok.com/@sibusisomsani2023/video/7601411822616579346)  2026-01-31T06:40Z 62.8K followers, [----] engagements

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