Every credit problem has a path to resolution. Find yours below, explained in plain language with no jargon and no judgement.
Debt review (debt counselling) protects you while you repay, but once you've finished, the flag on your credit profile can keep blocking you from new credit, even though you've done everything right.
You've completed your repayments, but the "under debt review" flag is still on your name at the credit bureaus. Banks see it and decline you for a phone contract, a car, or a home loan. Removal does not always happen automatically, and many people stay flagged for years without knowing why.
We confirm your repayment status, obtain or follow up on your clearance certificate, and formally instruct all credit bureaus to remove the debt review flag from your profile. We follow up until every bureau reflects you as clear.
A court judgement against your name is one of the most damaging listings you can have, and many people only discover one when a credit application is suddenly declined.
A judgement tells every lender that a court ordered you to pay a debt. It can stay on your profile for years, blocking loans, accounts, and sometimes even employment opportunities, even after the debt has been settled.
We investigate the judgement, confirm whether it was correctly granted and whether the debt is settled, and then apply through the correct legal channels to have it rescinded or removed from the credit bureaus. You'll know exactly where your case stands at every step.
South African law says some old debts expire. If an account has been dormant for three or more years, with no payment, no acknowledgement, and no summons, it may be legally prescribed.
Debt collectors often chase debts that are already prescribed, hoping you don't know your rights. Old, expired accounts can also still sit on your credit profile, dragging your name down for debts the law says can no longer be enforced.
We analyse your accounts to identify debts that qualify under the Prescription Act, raise prescription formally with the credit provider and bureaus, and have qualifying accounts removed from your profile permanently.
Identity theft is rife in South Africa. If someone opened an account in your name, you should not pay for it, and it should not poison your credit record.
An account you never opened appears on your credit report, often already in arrears. The debt collectors don't believe you, the paperwork feels impossible, and meanwhile your credit score suffers for someone else's crime.
We lodge formal fraud disputes with the credit bureaus and the credit provider, guide you through the supporting documents (such as an affidavit and ID records), and pursue the dispute until the fraudulent account is removed from your name.
You paid the account, but your credit report still says you didn't. It's one of the most common and most fixable credit problems.
Settled and paid-up accounts that still show as outstanding, in arrears, or handed over. Lenders read your report at face value, so an unpaid status, even an incorrect one, costs you approvals and better interest rates.
We gather your proof of payment or settlement letters, submit the corrections to the credit providers and all bureaus, and follow up until your profile accurately shows the accounts as paid.
When repayments have become impossible, ignoring the problem makes it worse. Negotiating the right way, in writing, with someone in your corner, makes it better.
Your instalments no longer fit your income. Interest and fees keep growing, collectors keep calling, and on your own it's hard to know what a fair settlement or reduced repayment even looks like.
We negotiate directly with your credit providers for reduced monthly repayments or discounted settlement amounts, put every agreement in writing, and make sure your credit profile is updated correctly once terms are met.
Defaults and adverse listings are black marks lenders see first. Many remain on profiles long after they should have been removed, and some should never have been listed at all.
A default or adverse listing ("slow payer", "handed over", "absconded") brands you as high-risk. Listings that are outdated, unproven, or incorrectly loaded continue to block your applications for years.
We audit every adverse listing on your profile, challenge those that are expired, unsubstantiated, or non-compliant with the National Credit Act, and pursue their removal with the bureaus and credit providers until your profile is clean.