Six ways a credit record gets put right.
Each is a distinct legal route with its own requirements and its own evidence. The assessment exists to work out which one is actually yours.
- 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Rescission, not deletionPaying a judgment does not remove it — it must be rescinded through the court that granted it.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 →
Assess, advise, act, update.
- 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.
Start by confirming your status.
Request a free initial assessment before choosing or paying for a removal route. Outcomes and timeframes depend on your own records and legal position.