The Credit Ombud resolves complaints related to credit information and disputes between consumers and credit providers. They assist with incorrect credit listings, non-bank credit agreements, and garnishee orders. Services are free and include investigating complaints and mediating disputes. The target audience is consumers and businesses negatively impacted by credit bureau information. The unique selling proposition is providing impartial, speedy, and confidential dispute resolution services at no cost, ensuring consumers' rights are protected under the National Credit Act. However, the Credit Ombud is now part of the National Financial Ombud Scheme (NFO), offering a broader range of financial dispute resolution services[1][2][5].