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Debt365 Solutions

Free self-check

Am I Under Debt Review?

Plenty of South Africans find out only when a loan is declined. If you signed something you were told was a "consolidation" or a "payment plan", you may be flagged and not know it. Six questions below, then how to confirm it properly.

Tick Anything That Applies

This is an indicator, not a diagnosis — only a credit report confirms a flag. Nothing here is sent anywhere.

How to Confirm It Properly

The self-check above only narrows it down. This is how you get a definitive answer, at no cost.

1

Pull your credit report

You are entitled to one free credit report a year from each bureau. A debt review flag appears as a status marker on your profile, not as a separate account.

2

Check all four bureaus

TransUnion, Experian, XDS and VCCB hold separate records. A flag can be cleared at one and still be live at another, which is why a single report can be misleading.

3

Look for the status, not the debts

You are looking for a debt review or debt counselling indicator against your profile. Your accounts can all look healthy while the flag is still blocking you.

4

Ask the NCR if it's unclear

The National Credit Regulator maintains the register of consumers under debt review and the counsellors assigned to them.

Rather have it done for you?

Debt365 pulls a consolidated report across all four bureaus and has an NCR-registered specialist read it, so you get an answer rather than a document.

Request a Multi-Bureau Report

If You Are Flagged, What Then?

You consented, and you want out

Exiting is a legal process with two routes, priced differently depending on whether your short-term debts are settled.

See what removal costs

You never consented

A listing you did not agree to is disputable through the NCR, and a court order obtained without your knowledge can be rescinded.

How disputed listings are cleared

Common Questions

Yes, and it is more common than most people expect. It usually happens when someone signs up for what they were told was 'debt consolidation' or a 'payment plan', and the paperwork was in fact a Section 86 debt review application. It can also happen when an application was started and never formally withdrawn. The flag sits on your credit profile either way.

Request your credit report from TransUnion, Experian, XDS and VCCB — you are entitled to one free report a year from each. Look for a debt review or debt counselling status indicator on your profile rather than on individual accounts. Debt365 can also pull a consolidated multi-bureau report and interpret it for you.

While the flag is active you cannot lawfully be granted new credit. That blocks home loans, vehicle finance, credit cards, store accounts and often mobile contracts — regardless of how well you are paying, and regardless of your score.

If you never consented, that is a disputable listing. The route involves an affidavit and a formal dispute to the National Credit Regulator, and where a court order was granted, an application to rescind it. Debt365 handles both. Bring whatever paperwork you signed, even if you were told it was something else.

No. A debt review flag is only removed by a Form 19 clearance certificate from a registered debt counsellor, or by a court order. It does not expire with time, and it does not disappear when your debts are paid — somebody has to formally clear it.

With an eligibility check. Which exit route applies depends on whether your short-term debts are settled: a Section 71 clearance certificate if they are, or a court application if you still owe but can afford your original instalments. Debt365 publishes pricing for both.

Still Not Sure?

Speak to an NCR-registered debt counsellor (NCRDC2403). No obligation, and we'll tell you plainly if there's nothing to worry about.

087 012 6412