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We check the National Credit Regulator database in real-time
See if you're under debt review and who your debt counsellor is
Knowing your debt review status is crucial for major financial decisions. Here's when you need to check:
Being under debt review affects loan approvals. Check before applying to avoid rejection and protect your credit score.
Some employers check credit status during hiring. Know your status before interviews to avoid surprises.
Debt review blocks bond and vehicle finance. Verify your status before making offers or visiting dealerships.
Confirm your clearance certificate was issued and ensure all credit bureaus updated your record correctly.
"Found out I was still under debt review even though I finished payments 6 months ago! This tool saved me from a rejected home loan."
Thandi M., Johannesburg
"Instant results. No forms. No spam emails. Just what I needed before my car finance application."
Pieter V., Cape Town
"Super fast! Checked my wife's and my status in under a minute. Great service."
John K., Durban
The National Credit Regulator uses letter codes to indicate your debt review stage. Here's what each code means:
| Code | Meaning | What You Should Do | Can This Be Removed? |
|---|---|---|---|
| A | Applied for debt counselling and being assessed | Wait for your debt counsellor to complete the assessment. This typically takes 5-10 business days | Yes Request your Debt Counsellor to Reject and update status B |
| A1 | Voluntary withdrawal by consumer prior to being declared over-indebted | You withdrew from debt review before assessment. Your status should clear automatically within 7-21 business days. | No Already Removed if there are any issues contact your Debt Counsellor or the NCR on 0860 627 627 |
| B | Assessment has resulted in a rejection | You were assessed as not over-indebted. No debt review applicable. Status should clear within 7-21 business days | No Already Removed if there are any issues contact your Debt Counsellor or the NCR on 0860 627 627 |
| C | Assessment has resulted in a decision that the consumer is over-indebted | You are officially under debt review. Continue making reduced payments as per your restructuring plan. | Yes Contact us on 041 012 5036 or Send a WhatsApp to 072 770 3674 |
| D3 | Formal debt re-structuring through the courts has commenced | Court process is underway. Continue payments and await court order. | Yes Contact us on 041 012 5036 or Send a WhatsApp to 072 770 3674 |
| D4 | Formal debt re-structuring is completed, and a court order granted | Court order finalized. Make payments according to court order. Keep proof of payments | Yes ONLY if you have all paid up letters - Contact your Debt Counsellor or the NCR on 0860 627 627 |
| F1 | All restructure debts have been settled except mortgage agreement | All debts paid except your bond! Request Form 19 clearance certificate now to restore your credit | No Already Removed if there are any issues contact your Debt Counsellor or the NCR on 0860 627 627 |
| F2 | All restructure debts have been settled | ALL DEBTS PAID! Request your Form 19 clearance certificate NOW. You're done with debt review! | No Already Removed if there are any issues contact your Debt Counsellor or the NCR on 0860 627 627 |
| G | Magistrate rescinded the debt review court order/consumer opposed debt review application and has been declared not over-indebted (Option C on Form 17.W) | Court has declared you're not over-indebted. Your debt counsellor should update the NCR Debt Help System, Notify the bureaus and creditors. Remember to request the copy of your court order and proof of service. | No Already Removed if there are any issues contact your Debt Counsellor or the NCR on 0860 627 627 |
| G1 | Application for debt review rejected by Magistrate – not over indebted (Option D on Form 17.W) | Court has declared you're not over-indebted. Your debt counsellor should update the NCR Debt Help System, Notify the bureaus and creditors. Remember to request the copy of your court order and proof of service. | No Already Removed if there are any issues contact your Debt Counsellor or the NCR on 0860 627 627 |
| H | Abandoned - previous debt counsellor withdrew or is no longer operating, but the consumer remains listed under debt review on the NCR | Your previous debt counsellor withdrew or stopped operating, but your debt review listing is still active on the NCR. NDRC can help in two ways: (1) take over your file as your new debt counsellor, or (2) apply for legal debt review removal through our attorneys to exit completely. Your credit report shows the definitive status — an optional R50 bureau check confirms it. | Yes Contact us on 041 012 5036 or Send a WhatsApp to 072 770 3674 |
| I | Consumer deceased | Estate executor must finalize the estate and settle debts. Once finalized, contact your debt counsellor or NDRC to update the NCR, creditors, and credit bureaus. | N/A |
Need help understanding your status? Contact NDRC for a free consultation
Here are real-world scenarios where knowing your debt review status is critical:
Banks will reject your application if you're under debt review. Check your status first to avoid wasting time and damaging your credit score with unnecessary credit checks.
Many people don't realize their counsellor never issued a clearance certificate. This tool shows if the NCR still has you listed as under debt review - crucial before applying for new credit.
Identity fraud happens. Someone may have applied for debt review using your details. Check now to catch potential fraud early and protect your credit record.
Vehicle finance companies check NCR records automatically. Being under debt review means instant rejection. Verify your status before visiting dealerships to save time.
Everything you need to know about checking your debt review status
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