Debt Review Removal — Tembisa | Gauteng
Tembisa borders Kempton Park, a short trip from our Rhodesfield office. We help Tembisa residents who have paid off their accounts but are still flagged, and those whose income has improved enough to leave debt review early.
See If You Qualify in TembisaDebt review removal is not an administrative update. A credit bureau may only remove the flag on a Section 71 clearance certificate or a court order. Anyone offering to "remove the flag overnight" without one of those is operating outside the National Credit Act.
| Clearance Certificate (S.71) | Court-Led Removal (S.87 / 165) | |
|---|---|---|
| When it applies | Every short-term account is paid up (a bond may remain) | Accounts still open, but you are no longer over-indebted |
| Court involved | No | Yes — Tembisa Magistrate's Court |
| Attorney | Not needed | Debt365's panel attorney appears for you |
| Cost | From R2,900 | From R6,500 |
| Typical timeline | 14 to 21 working days | 2 to 3 months |
Paid off your store accounts but still can't get credit?
This is the most common Tembisa case we see. Someone went under debt review with clothing, furniture and cellphone accounts and a personal loan or two, paid them all off over the years — and is still declined everywhere, because nobody issued the clearance certificate.
The flag stays until a registered debt counsellor collects a paid-up letter for each account and issues a Section 71 clearance certificate (Form 19). We do that for you, from R2,900, typically within 14 to 21 working days. If your old counsellor cannot be reached, we take over the file through the National Credit Regulator.
Loans that are not part of your debt review
Debt review only covers credit agreements with registered credit providers. Money borrowed from an unregistered lender (a mashonisa), a stokvel or family is not on your plan and does not affect your clearance certificate. If an unregistered lender is holding your bank card or ID as security, that is unlawful, and we can tell you where to report it.
Leaving early through the court
If you still owe money but now earn enough to pay your original instalments — a permanent post after years of contract work, say — our panel attorney can apply to court to end the debt review. From R6,500, typically 2 to 3 months. You do not have to go to court.
We check affordability first. Leaving debt review removes the protection against legal action, so we only recommend it if you can genuinely keep up.
Seeing us in person
Our office at 9 Spoorlyn Rd, Rhodesfield, Kempton Park is a short taxi or train ride from Tembisa, next to the Rhodesfield Gautrain station. Most clients send documents by WhatsApp (076 982 2112) and never need to come in.
Reviewed by Chris Shumba, NCR-registered debt counsellor (NCRDC2403) · Last reviewed 12 October 2026
Legal Requirements for Removal
Financial Stability
Proof that you are no longer over-indebted and can afford original installments.
Paid-up Letters
Settlement letters for all unsecured debts included in the original plan.
Court Application
A formal application to the Magistrate's Court if a Section 87 order was granted.
NCR Notification
Official update to the National Credit Regulator's database via your counsellor.
Credit Rehabilitation Roadmap
- Bureau flag removal
- ITC status update to 'Active'
- Score stabilization
- Begin building positive history with one managed account
- Full creditworthiness for home and vehicle finance
New to the process? Our national guide to debt review removal explains every legal route in detail, and our debt review removal cost page shows exactly what the fee covers.
Is this a scam? How to tell a lawful removal
- Only a Section 71 clearance certificate from a registered debt counsellor, or a court order, can remove a debt review flag. A promise of removal in days without either is not lawful.
- You should get the exact fee in writing after your assessment and approve it before any work starts.
- The National Credit Regulator does not process removals over WhatsApp. We use WhatsApp to collect documents and answer questions; the removal itself is a certificate sent to the bureaus or a court order.
- Check any provider's registration before paying. Ours is NCRDC2403 — search it on www.ncr.org.za.
Key Benefits
- Legally exit debt review under the National Credit Act
- Clear the debt review flag from TransUnion, Experian & XDS
- Form 19 Clearance Certificate
- Restore access to home loans, vehicle finance and credit cards
- Court order rescission where applicable
- Full NCR-compliant process
Our Process
Free Eligibility Check
We review your current debt review status and qualifying conditions.
Court Application & Rescission
Where required, we file the rescission application to terminate debt review.
Bureau Updates
We notify all credit bureaus and your debt counsellor of the removal.
Clearance Certificate
Receive your Form 19 and start rebuilding your credit profile.
Frequently Asked Questions in Tembisa
All our debt review removal services in Tembisa are delivered under the National Credit Act and in full compliance with the National Credit Regulator. We use legal, ethical, NCR-aligned processes only.
Debt Review Removal Across the East Rand
See the East Rand debt review removal guide for which court hears your matter.