Under the Prescription Act 68 of 1969, most unsecured debts extinguish after 3 years. Pull your live credit bureau record, identify accounts that qualify as prescribed under s11(d), and lodge formal disputes with the bureaus and creditor under NCA s72(3) and Regulation 20(2). You stay the dispute applicant throughout.
R99 covers a bureau data report and prescription analysis only. No fee is charged for any removal outcome. NCRDC3106.
Three statutory effects. Outcomes on your record depend on the bureau's investigation and the evidence the creditor holds.
NCA s72(3) gives you the right to challenge bureau information. Regulation 20(2) requires the bureau to investigate within 20 business days and remove information it cannot verify as accurate and lawful.
Once you raise prescription as a defence, the creditor cannot enforce the debt. NCA s126B also prohibits selling, collecting on, or re-activating prescribed debt. You must plead prescription — a court will not raise it for you (s17(1)).
Regulation 19(5): no source of information may submit information to a credit bureau that has prescribed under the Prescription Act. R99 to check, R149 per account to lodge a formal bureau dispute.
We retrieve your TransUnion / XDS / Experian record and classify each open adverse account as Prescribed, Borderline or Active under Prescription Act s11(d). PDF data report emailed to you.
For each flagged account, authorise the dispute pack. We prepare correspondence in your name under NCA s72(3) and Regulation 20(2), citing s126B and Reg 19(5) where the account qualifies as prescribed.
You stay the dispute applicant. The bureau must investigate within 20 business days (Reg 20(2)) and remove information it cannot verify as accurate and lawful (NCR Guideline 005/2025).
We retrieve your live record from TransUnion / XDS / Experian and classify every open adverse account against the 3-year prescription rule (Prescription Act 68 of 1969, s11(d)). R99 covers a bureau data report and analysis only — formal dispute correspondence is a separate R149/account fee.
Choose how you want to pay to continue.
NCRDC3106. NDRC is a registered debt counsellor, not a law firm. This service helps you exercise consumer rights under NCA s72(3); it is not legal advice and is not a credit repair or clearance service.
Prescription is a defence the debtor must raise — a court will not raise it for you (s17(1), Prescription Act 68 of 1969).
The R99 fee covers bureau data retrieval and prescription analysis only. R149 per account covers preparation and dispatch of formal dispute letters to bureaus and creditors. No fee is charged for the removal of any account.
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Common questions about checking prescribed debt and the 3-year debt rule.