If your financial situation has improved or your debt is paid up, our legal team can help clear your name from the NCR record. Take control of your credit profile today.
GET YOUR FREE ASSESSMENTFirst, we get your latest credit report. We look at exactly which accounts are listed under "Debt Review" and check your current legal status to see if you qualify for removal.
We help you collect the basic documents needed for the legal application. This includes your ID, proof of address, recent payslips/bank statements, and your "Paid-Up" letters from creditors.
We formally request to have your debt review profile transferred to our company. This allows our team to deal directly with the credit bureaus and the NCR on your behalf.
Our specialized attorneys draft the necessary legal papers and go to court to get an official court order stating that you are no longer under debt review.
Once the court order is granted, we submit it to all major credit bureaus. This is the final step that officially removes the "Debt Review" flag so you can apply for credit again.
Our attorneys handle the court applications and can usually appear on your behalf, so you don't have to attend in person.
While the standard process can take months, we aim to have your name cleared and your record updated in 3-4 weeks.
Everything we do follows the National Credit Act (NCA) guidelines to ensure your debt review removal is permanent and recognized by all banks.
It is the legal process of removing the debt counselling flag from your credit report after you have fulfilled your obligations or are no longer considered over-indebted.
No. You cannot unilaterally cancel Debt Reviw; especially if a court order has been granted. It requires either a Clearance certificate (Form 19) or rescission court order from a magistrate.
With a Clearance Certificate: Credit Bureaus are required to update your profile within 3 to 21 business days. Via court Order: The legal process typically takes between 3 to 6 months. However WE GET IN DONE IN 3-4 WEEKS
Yes. Our Attorneys handling the application will appear on your behalf.
Yes. Once the flag is removed and your record is cleared (usually within 21 days of the court order), you are legally allowed to apply for new credit.