Clear your name,the lawful way.
Once the debts under your debt review are settled, a registered debt counsellor must issue your Form 19 clearance certificate and file it with the credit bureaus. Start with a free assessment of where you actually stand.
Find out which route applies to you.
A debt review indicator cannot simply be deleted on request. What can be done depends on your stage in the process, whether a court or Tribunal order exists, which debts are settled, and whether the requirements for a clearance certificate have been met.
Share what you know about your position and the team will help identify the evidence you are missing and the next step that actually applies to your case.
- FreeThe initial assessment costs nothing and carries no obligation.
- RegisteredGuidance reviewed by a debt counsellor registered with the National Credit Regulator.
- NationwideAssessments start remotely, from a verified office in Bellair, Durban.
Check my debt review status
Six ways a credit record gets put right.
Each one is a different legal route with different requirements. Which applies to you is a question of evidence, not of what you would prefer.
- 01Signature service
Debt Review Removal
Form 19 · Section 71Confirm your status, establish which lawful route applies, and follow the Section 71 clearance process through to a corrected credit profile. No shortcuts, no instant-removal promises.
See how removal works → - 02Credit record
ITC Clearance
Credit bureau recordsSupport for consumers whose credit record still carries listings after the underlying accounts have been dealt with — understanding what is on your profile and what can lawfully be corrected.
Learn more → - 03Creditor negotiation
Debt Mediation
Also called debt arbitrationAn out-of-court process where a debt counsellor leads discussions with your credit providers to reach a repayment arrangement both sides can live with.
Ask for guidance → - 04Creditor negotiation
Debt Settlement Negotiations
Paid-up letters securedWhere a settlement route is suitable, we handle the communication with credit providers and make sure the paid-up confirmations you will later need are actually obtained.
Discuss settlements → - 05Adverse listings
Removal of Default Listings
Section 129 · Regulation 17A default stays on your profile until the creditor confirms otherwise to the bureaus. We extract your report, go through each listing with you, and pursue the corrections that are available.
Check my listings → - 06Court records
Judgments Removal
Rescission, not deletionPaying a judgment does not remove it — it must be rescinded through the court that granted it. We explain the grounds that apply to your matter and what evidence is needed.
Ask about rescission →
What actually has to happen.
- 01
Confirm your current status
Establish whether you are still under debt review, whether a court or Tribunal order exists, and which obligations are still linked to the process.
- 02
Identify the lawful route
Review payment records, paid-up letters and your credit report to determine whether Section 71 clearance applies, or whether a court route is needed.
- 03
Secure the clearance certificate
Once you meet the Section 71 criteria, a registered debt counsellor must issue the Form 19 clearance certificate within seven days.
- 04
Follow the bureau update through
Form 19 is filed with all credit bureaus with the paid-up confirmations attached. We track the submission until your profile actually reflects it.
A debt counsellor cannot lawfully withdraw or terminate a debt review using the old Form 17.4 — that conduct is prohibited under current NCR guidelines. Anyone offering an instant bureau deletion, or asking for a large fee before checking your status, should be treated with caution.
Evidence first. Promises never.
Reviewed by a registered debt counsellor
Guidance on this site is prepared and reviewed by a debt counsellor registered with the National Credit Regulator.
Lawful routes only
Clearance under Section 71, or a court route where it does not apply. We will not offer a Form 17.4 withdrawal or an instant bureau deletion — both are prohibited conduct.
The assessment is free
We establish where you actually stand, and what evidence is missing, before any fee is discussed. No reputable provider should ask for money before checking your documents.
A verified office, remote support
A real office at 16 Purley Road, Bellair, Durban, with assessments that start by phone or form from anywhere in South Africa.
People who have been through it.
“The professionalism displayed in handling my case, is exceptional, I'm so happy, thanks to the commitment shown by the team, indeed they are what they do, real deal.”
“I would like to thank NDCsa for such an amazing treatment while they were busy removing my name on Debt review, thank you, i am cleared and just waiting for the 21 days to finish then i can start afresh again. thank to Natasha and Jessica for the professional and amazing assistance. ill definitely recommend your company.”
“Thank you NDCsa. All agents were friendly, efficient and knew exactly what to do. Amazing service and highly recommended”
“Professional, Fast And Reliable. May God bless this company. I trusted NDCsa with my ITC clearance. My credit report is cleared.”
How debt review removal works.
Direct answers about status, clearance certificates, evidence and lawful next steps — not sales copy.
Debt review removal starts by confirming your current legal and credit-bureau status. The correct route then depends on whether you are still under debt review, whether a court or Tribunal order exists, which debts have been settled and whether the requirements for a clearance certificate or another lawful process have been met.
No. A debt review indicator cannot simply be deleted on request. Your options depend on the stage of the process and the facts of your case. An assessment should confirm your status and the lawful route before fees or promises are made.
A clearance certificate is issued through the prescribed debt review process when the applicable requirements have been met. It is then filed with credit bureaus so the debt review indicator and qualifying paid-up listings can be updated.
NDCsa Africa offers a free initial assessment to help you establish your current position, identify missing evidence and understand the appropriate debt review removal, clearance or credit-record next step. Outcomes and timeframes depend on the facts of each case.
Begin remotely, from anywhere in South Africa.
One verified office, in 16 Purley Road, Bellair, Durban, KwaZulu-Natal, 4001. Everywhere else is supported remotely — the assessment, the documents and the follow-up all happen without you travelling.
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