After completing debt review, keep the following documents safely for at least 5 years:
Essential documents:
• Form 19 Clearance Certificate (most important)
• Copy of your court order or consent order
• Final distribution statement from your PDA
• Paid-up letters from all creditors
• Any correspondence confirming account settlements
These documents may be needed if:
• Credit bureaus don't update your record correctly
• Creditors incorrectly claim you owe money
• You need to prove your debt review completion
• You apply for credit and need to explain your history