Blacklisted, under debt review, or struggling with judgements? You're not alone, and there is a way forward. MFS helps South Africans repair their credit and get approved again.
You're not alone
Millions of South Africans carry the weight of a damaged credit record. Here's what we hear every day.
A single listing can block you from renting, buying, or financing what you need. It doesn't have to stay that way.
Debt review protects you, but it also holds you back. Once you're paid up, that flag should come off, and we make sure it does.
Old judgements can appear years later and derail your plans. We dispute and remove them through the correct legal channels.
Some debts expire by law. Accounts dormant for 3+ years may be prescribed, meaning they can be permanently removed.
MFS has helped families across Gauteng repair their credit and rebuild their financial lives. Your situation is unique, and that's exactly how we'll treat it.
Get Your Free AssessmentWhat we do
From removing debt review flags to clearing fraud accounts, we handle the full picture.
Already paid up? We make sure your debt review flag is formally removed from all credit bureaus.
Court judgements can block credit applications for years. We work to get them rescinded or removed.
Accounts dormant for 3+ years may qualify for permanent removal under the Prescription Act.
Accounts opened in your name without your knowledge? We lodge formal disputes with bureaus and providers.
Most people aren't. Tell us what happened and we'll point you in the right direction, free.
WhatsApp us nowSettled accounts that still show as unpaid? We ensure your credit profile reflects the correct status.
We negotiate reduced repayments and settlement amounts on your behalf, so you can move forward.
Defaults and adverse listings that should no longer be there? We challenge and clear them.
The process
Simple, transparent, and handled for you from start to finish.
We review your credit report together, identify every issue, and explain exactly what can be done. No jargon, no pressure.
We guide you through the documents needed and handle the paperwork. You don't need to figure it out alone.
We engage credit bureaus and providers directly on your behalf, submitting disputes and following the correct legal processes.
We keep you updated every step of the way and follow up until your case is fully resolved.
See it for yourself
Move the sliders to see what restructured repayments could look like for you. It takes ten seconds.
Illustrative estimate only, based on a typical repayment reduction range. It is not a quote, advice, or a guarantee. Your actual repayments depend on your income, creditors, and individual circumstances, and are determined case by case. Request a free assessment for figures specific to you.
Why choose MFS
Real people. Real results. Every case treated with care and confidentiality.
"I had a judgement on my name for six years and could not get approved for anything. MFS sorted it out in a few weeks. I now have a home loan in progress. I wish I had found them sooner."Thabo M., Soweto
"After my debt review was paid up, the flag was still showing on my credit report. Nico handled everything and kept me updated every step of the way. My credit is clean now."Priya N., Sandton
Common questions
Still have questions?
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