Debt Clearance

Clear your Credit Record and improve your Credit Score

Struggling with a poor credit record can feel like a never-ending battle. But with our credit clearance services, we’ll help you regain control of your financial future and guide you through the entire process of removing negative listings from your credit profile.

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Request a Free Debt Assessment

Debt Clearance

Clear your Credit Record and improve your Credit Score

Struggling with a poor credit record? Need help regaining control of your finances? At Remove Debt Review, we offer fast and legal debt clearance in South Africa to help you get back on track and open the door to new financial opportunities.

Learn More

Request a Free Debt Assessment

What is Debt Clearance?

Understanding Debit Clearance

Debt clearance is the process of legally removing negative listings from your credit profile once you’ve settled your debts or completed your debt review program. In South Africa, a clean credit record is essential for securing loans, rental agreements, and even some job opportunities.

We help you:
1. Obtain a Debt Clearance Certificate
2. Remove the Debt Review flag from your credit report
3. Restore your creditworthiness at all major credit bureaus
4. Enjoy access to credit again, legally and safely¹

Our Solutions

Who Can Benefit from Our Credit Clearance Service?

Incorrect Credit Listings

If you’ve been incorrectly listed for judgments, defaults, or other negative marks that are hurting your credit profile, we can help remove them.

Settled All Debts

If you’ve settled all your outstanding accounts but your credit record hasn’t been updated, we’ll ensure it reflects your improved financial status.

Restoring Creditworthiness

If you’ve improved your financial position and want to clear your credit report to rebuild your credit score and secure better financial opportunities.

How We Help

Proven Debt Clearance Process

Clearing your credit record is a structured process that we make easy to follow.

01. Fill Out Our Online Form

Start by filling out our online form and providing consent for us to conduct a free credit assessment. This will help us understand your situation and tailor a solution for your needs.

02. Consult with Our Specialist

In just 10 minutes, a consultation with our credit clearance specialist will give you a clear overview of the steps needed to clear your credit profile.

03. Discuss Costs and Timeframe

We’ll provide transparent information about costs and timelines, helping you understand how long it will take to clear your credit record and the associated fees.

Why Choose Us

Unique Value Propositions You Can Trust

Expert Guidance

Our experienced team offers dedicated guidance to help you successfully clear your credit profile.

Customised Solutions

We recognise that each financial situation is different, so we provide customised solutions to fit your unique needs.

Proven Results

With a track record of helping clients regain their creditworthiness, we’re committed to your financial empowerment.

Ready to Improve Your Credit Status? Let Us Help!

Get Started

Simplifying Everyday Life

Frequently Asked Questions

Find answers to commonly asked questions about credit clearance.

What is a credit clearance?

Credit clearance refers to the process of removing negative listings, such as judgments, defaults, or adverse information, from your credit report. This process restores your credit profile and improves your credit score, making it easier for you to access financial products like loans or credit cards.

How can I get my credit cleared?

No, you cannot remove yourself from debt review. Only a debt counsellor or a court can formally remove the debt review status. You need to either complete the debt review process by paying off your debts or apply to a court for removal if you can prove that you’re no longer over-indebted.

What is meant by credit clearing?

Credit clearing refers to the process of rectifying your credit record by removing negative or incorrect information, such as overdue accounts or judgments. It involves working with credit bureaus to ensure that your credit report accurately reflects your financial status and doesn’t carry unfair or outdated listings.

Will my name be removed from the credit bureau once my debt is cleared?

Yes, once your debt is fully settled, and you’ve completed the necessary steps (such as obtaining a clearance certificate if under debt review), your name should be removed from the negative listings at the credit bureau. However, it is important to ensure that the credit bureaus are updated through proper channels, such as the NCR Debt Help System, if you were under debt review.

How long does ITC clearance take?

The time it takes for ITC (credit bureau) clearance depends on the complexity of your case. On average, it can take between 30 to 60 days for the credit bureaus to update your credit record once all debts are settled and relevant documentation has been submitted. In cases where disputes or corrections are required, it may take longer.

Can I apply for more credit or use my credit cards while I am under debt review?

No, while under debt review, you are legally prohibited from applying for new credit or using your existing credit facilities. The purpose of debt review is to help you repay your current debts without taking on any additional financial obligations. Only after the debt review process is concluded and you have been issued a clearance certificate can you apply for new credit.

Client Experiences

Debt Clearance

Request a Free Debt Assessment

Debt Clearance

Request a Free Debt Assessment

Understanding Debit Clearance

Who Can Benefit from Our Credit Clearance Service?

Incorrect Credit Listings

Settled All Debts

Restoring Creditworthiness

Proven Debt Clearance Process

01. Fill Out Our Online Form

02. Consult with Our Specialist

03. Discuss Costs and Timeframe

Unique Value Propositions You Can Trust

Expert Guidance

Customised Solutions

Proven Results

Ready to Improve Your Credit Status? Let Us Help!

Simplifying Everyday Life

Frequently Asked Questions

What Our Clients Are Saying

Our Latest Blogs

How to Get a Clearance Certificate from Debt Review

Debt Review Survival Guide – How to Manage and Succeed in Debt Review

How Does the Debt Review Removal Process Work in South Africa?