Debt Review Clearance Certificate
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What is a Debt Review Clearance Certificate?
A debt review clearance certificate is also known as Form19 is a certificate that verifies that a consumer has satisfied all obligations under every credit agreement that was subject to a debt review court order or debt review repayment agreement. This certificate is evidence that you are debt-free and you have completed the debt review process.
The issuing of a clearance certificate as per section 71 of The National Credit Act (NCA 34 of 2005) signals the end of a successful debt review process. The effect is that even if the consumer has a long-term agreement that was subject to debt review such as a mortgage bond, they can obtain a clearance certificate after every other short-term credit agreement under debt review is paid in full.
In terms of the National Credit Act (NCA) 34 of 2005, the debt counsellor and not a court, must issue a clearance certificate.
This debt review clearance certificate can only be issued by a registered debt counsellor only if:
- All the restructured accounts as per the court order or agreement are paid up in full.
- There are no outstanding debt counselling fees.
- Home Loan or your bond under the above agreement may be excluded. In other words, a clearance certificate can be issued if there is an outstanding balance on your home loan account.
What can you do with your debt review clearance certificate?
There is not much you can do. The National Credit Act requires your debt counsellor to present all paid-up letters with your clearance certificate to all registered credit bureaus.
This is to assure that the rearranged accounts get amended by the credit bureaus as paid up. The National Credit Amendment Act also requires all registered credit bureaus to remove the negative months in arrears from your credit profile.
What happens after the Credit Bureaus have received your Debt Review Clearance Certificate?
Once the bureaus receive your Clearance Certificate, they will remove the debt counselling flag off your profile.
How long until I can apply for credit again after getting my Debt Review Clearance Certificate?
Many people think they can get credit straight away after receiving their clearance certificate.
This is not always possible.
In theory, you should be able to apply for credit again within a week of receiving your Clearance Certificate. But we have seen that the credit bureaus take longer than that to clear your record. We would suggest waiting three months before applying for new credit.
After the credit bureaus receive your Clearance Certificate each account in your Payment History should have a “Paid-Up” or “Closed” status. Since your Payment History remains on your credit report for 2 years your credit score will take some time to become good – as time passes your credit score will improve, and by six months it will be in a much better standing (but you don’t have to wait that long to apply for credit).
Pull your credit report about one month after receiving your Clearance Certificate. Check that everything is in order before applying for credit. If you see that the Debt Review listing still reflects on your credit profile contact the credit bureau immediately to rectify the listing.
Also keep in mind that even though your credit score might be good, credit providers might still have a flag indicating your history on their internal systems. They must also remove those records. It always remains the decision of the credit provider whether or not they want to extend credit to you. If they do decline your credit application, you have a right to know exactly why they declined it.
Conclusion
A consumer under debt review can only be issued with a clearance certificate when:
- When they either have paid up all their debts which were listed in the debt review court order or debt review repayment agreement
- When all their short term credit agreements listed in the debt review court order or debt review repayment agreement which is short term agreements may include a vehicle financing agreement have been paid in full and the consumer is only left with a mortgage loan that is not in arrears in terms of the debt review court order or debt review repayment agreement.
Credit providers must issue paid-up letters on the short-term agreements prior to the issuing of a clearance certificate by the debt counsellor to ensure that the debt has been repaid in full.
Once the clearance certificate is issued this must be forwarded to all the credit bureaus together with the paid-up letters. The debt counsellor and credit bureaus have to update their systems to show that the consumer has successfully completed the debt review process.
Contact The National Debt Review Center experts today. We can help to issue a clearance certificate if all your accounts under debt review have been paid up so that you are able to enter into new credit agreements.
68 Comments
Elizabeth Ndzinisa · June 17, 2021 at 8:33 am
Good morning
I was on debt review until December/January.
Unfortunately I experienced some difficulties because of Covid-19,so i don’t know what to do
The National Debt Review Center · June 17, 2021 at 9:05 am
Hi Elizabeth,
Please contact your debt counsellor to get further clarity.
Regards
Musandiwa lydia nangani · November 12, 2021 at 8:10 am
I cancel my debt review a while ago and I don’t remember the company which was representing me and now I need a clearance certificate can you please assist me
Mashudu · January 21, 2023 at 4:18 am
Contact me on this no: I recently got help
067 720 0692
The National Debt Review Center · January 23, 2023 at 5:29 pm
We will get in touch with you shortly.
Mashudu · March 6, 2023 at 3:47 pm
Call me on this number:067 720 0692, all your problems will be solved
Thandiswa sereo · March 30, 2023 at 8:16 pm
I have canceled a debt review a while ago I can’t even remember the company’s name now I need a clearance certificate need help please
The National Debt Review Center · April 12, 2023 at 11:47 am
Please contact us on 0410125036 or search for our debt review clearance certificate page for more information
Baleseng Justice Mokgatlha · June 19, 2023 at 9:14 am
I cancel my debt review a while ago the company name is key4 debt freedom i cant get hold of them i need clearance certificate can you please assist me
The National Debt Review Center · June 22, 2023 at 2:03 pm
Please contact our offices on 0410125036
Golekane · September 29, 2021 at 12:40 pm
I paid all the money that I owe. Now all I want is clearance certificate
Cathrine Refilwe · September 4, 2022 at 7:02 am
How long foes it take to clear my name after having clearance certificate?
The National Debt Review Center · September 6, 2022 at 10:48 am
21 business days
Moeketsi Mokoena · October 24, 2022 at 11:48 am
Good day I’m under debt review and I did refill the cancelation forms, now i cant get hold of the company which was assisting .I need a clearance certificate.kindly assist
The National Debt Review Center · October 25, 2022 at 11:14 am
Email us at clearances@ndrc.org.za
Clement Simangaliso Nyangombe · August 14, 2023 at 9:13 am
Debt clearance
The National Debt Review Center · August 22, 2023 at 10:34 pm
Call us on 0410125036
LEBOHANG · June 17, 2021 at 10:46 am
GOOD DAY
I was under debt review but paid up all my debts.now i cant get hold of the company which was assisting .I need a clearance certificate.kindly assist
regard
The National Debt Review Center · June 17, 2021 at 1:08 pm
Hi Lebohang,
Please complete the online form below and you will be contacted.
https://ndrc.org.za/online-application-for-a-debt-review-clearance-certificate/
Regards
Clive Bernardo · June 29, 2021 at 11:22 am
Good day
I only saw on my credit report that i was put under debt review not even knowing which company did it. i am currently paying the last account i know of which will be done hopefully soon. i am still trying to find out what to do about this.
Tanya Ann Jacobs · June 30, 2021 at 8:49 pm
I settled my debt and requested my creditors to send me paid up letters as I’m no longer employed and wish to apply for a Debt Review Clearance Certificate. Because I’m married in COP, both myself and my spouse want to clear our names but your online application does not provide me an option to say I’m unemployed. Please advise??
Ntombethemba · July 9, 2021 at 5:40 pm
M done paying all my creditors in April and I was told by NDA that clearance department will take 10-15 working days to get it but…. unfortunately never heard from them till today. Now m married in community and want to clear my name.
Thulisile Khumalo · July 19, 2021 at 10:57 pm
I have settled all my payments as we agreed know still waiting for clearance certificates how long does it take can’t you help me out to clear my name
Tembakazi Mkhunkqa · July 8, 2021 at 7:59 am
I have settled all my debts now I need a clearance certificate plz help.
Byrone Trezires · July 19, 2021 at 9:50 am
I want to clear my name by dept review.. All my accounts are paid up.. So what mst I do further..
Desiree Ramlall · July 27, 2021 at 2:00 pm
I have never applied for debit review, I’m not even sure which company put me on debit review, I can show you guys bank statements that no debit review company has deducted money from my account, please assist me in finding out which company this is.
Desiree · July 27, 2021 at 2:05 pm
I am devasted finding out that I’m on debit review, I have never applied for a debit review. I have proof on my bank statements that I wasn’t contributing to a debit review. Please help me find out which company put me on debit review.
Nelson Mmele · August 30, 2021 at 7:52 am
Can I please get a debt review clearance certificate
Kholeka · September 2, 2021 at 9:26 am
Can I please get a debt review clearance certificate
Kholeka · September 2, 2021 at 9:29 am
Good day can I please get a debt review clearance certificate
Kholeka · September 2, 2021 at 9:34 am
Can you please send me debt review clearance certificate
Maria Mabatho Letutu · September 2, 2021 at 2:59 pm
I waa under debt review and i terminated my contract. I have settled all my accounts and i need a clearance certificate
Please i need help
Maria Mabatho Letutu · September 2, 2021 at 3:00 pm
Can i get assisted with getting a clearance certificate please assist
Tumelo · September 7, 2021 at 2:12 pm
I was under debt review now I want clear my name
Bongani Tshabalala · September 17, 2021 at 2:59 pm
I was removed from debt review by Livfree debt solutions . Ic get credits and I have a credit score.The problem is with Standard bank.their system still shows that I am under debt review.iys over a year now.
I contacted NCR and they told me to request form 17.w from the debt counsellor.
I just want to be cleared from Standard bank
Francoise Hardnick · September 17, 2021 at 6:11 pm
I need a clearance certificate asap
Thank you
Terence Albert Meeser · September 30, 2021 at 5:28 pm
Gud evening. I need help for clearance certificate. Never applied for debt review. Can yu plz assist in this matter. Kindly
Thulani Sikonela · October 6, 2021 at 3:01 pm
How do I if my name is registered for debt review
Thulani · October 6, 2021 at 3:07 pm
Am I on debt review
Goitsemodimo Mogorosi · October 7, 2021 at 2:36 pm
Good day I just wanted know how long should I wait to get my debt review clearance certificate..because I have already pay the company that assisting with my debt clearance
Njabulo Sibiya · October 11, 2021 at 1:08 pm
I finished last month to pay for my debt under debt review. I want to ask how long does it take to get a clearance certificate please assist me.
Cassionar · October 16, 2021 at 4:59 am
I have finish Paying my FNB Temp loan now I want clearance certificate please help me
Thulani · November 9, 2021 at 2:11 am
I want to out in debt views
nonhlanhla Muteki · December 7, 2021 at 3:58 pm
hi. please help me to retrieve my Clearance Certificate. please email me for me information
Thulasizwe · January 6, 2022 at 2:41 pm
I thulasizwe mthetwa from Standerton I want clear my name also I need certificate
Nelisiwe · January 7, 2022 at 8:22 am
Please help me get my clearance certificate because i can’t do many things without it
Telly Magibisela · January 22, 2022 at 10:02 am
My name is telly I owed Best Electric,Axact! Clothing store,and the loanshark in King Williams Town,so I went to one of the debt consolidators in King Williams Town and they promised to help me by debiting R38000 from my salary and they would pay all the shops I owed,so after 3 months I got summoned by the legal representatives of the loanshark in King Williams Town,I responded and I was told that I am not paying as I promised the loanshark and I made a way of paying them R1000 a month and I also got summoned from other legal representatives.So what I want to say is that I paid all the legal representatives I owed.The problem I have is that,whenever I want to open the account there appeared the status ‘under debt review ‘ under my name.So what can I do to get name clearance because this is suffocating me
The National Debt Review Center · January 24, 2022 at 11:52 am
Please visit https://ndrc.org.za/debt-review-removal/ for more information or watch this how-to video here https://www.youtube.com/watch?v=0sEIj6fG6jk&t=479s
Sithembile Yvonne Sikosana · January 28, 2022 at 4:55 am
Hi I’m Sithembile Yvonne Sikosana 8107071196088 I was on dept solution on 2013 but it still appears on my name please help to remove my name my Email adress os sthembie33@gmail.com phone number 0632519703
The National Debt Review Center · January 31, 2022 at 3:39 pm
Please visit https://ndrc.org.za/debt-review-removal/ for more information or watch this how-to video here https://www.youtube.com/watch?v=0sEIj6fG6jk&t=479s
Emiy · February 15, 2022 at 6:12 pm
I was on debt review with DMC settled all my accounts as per agreement and need the clearance certificate and remove my name on credit bereu
The National Debt Review Center · March 3, 2022 at 10:03 am
Email us at queries@ndrc.org.za
*** · April 25, 2022 at 6:40 pm
I applied i have this debt review removed from my name.
I got a debt review rejection letter. Which is cool I suppose. I have applied for a credit and was told that’s tr wrong from I need tr clearance form 19. Which I have req but is Now not geti a response after 3 emails and a WhatsApp
Davola Samsodien · May 31, 2022 at 9:54 am
Good morning I need a clearence letter can u email it please
Beatrice mthethwa · June 2, 2022 at 11:03 am
I paid all my debt but can’t get clearance certificate
Page · June 30, 2022 at 11:59 am
Hi, I’ve submitted the online application for debt review clearance…how long will the process take?
Am not getting any help from the Debt consultancy and has been months.
Can you please advise…Thanks
Kanyisa · July 6, 2022 at 10:02 am
I am Kanyisa I was in debts but debt review paid off all my debts.Now can assist me with clearance certificate.Thank
Winston Lamani · August 11, 2022 at 7:47 pm
How to get clearance sertificate, I stopped paying debt counseling when lost my job, after getting another job, I paid my account direct, and I’ve been up to date since 6years ago.
Cathrine Refilwe Ngceke · September 4, 2022 at 7:07 am
Can you please contact me via my email address cause I want to clear my name
The National Debt Review Center · September 6, 2022 at 10:50 am
You will be contacted shortly.
Alternatively, call 0410125036
Thabisa · October 24, 2022 at 8:02 am
I need debt review clearance certificate I was at One Debt after finishing paying the creditors they didn’t answer my calls nor my email so my name is still under debt review
The National Debt Review Center · October 24, 2022 at 8:43 am
Please contact us on 0410125036
Ebrahim Hassan · December 17, 2022 at 12:43 am
I have put myself under debt review i then canceled with them they send me a w17 form
I have been with them for less then a year i canceled it my debt is not paid up but i can afford to make the payments now i would like to have my name cleared isit possible for me?
The National Debt Review Center · January 11, 2023 at 10:31 am
Contact us on 0410125036
Keitumetse · December 2, 2023 at 10:20 am
Good day
I have been under debt review, but I am struggling to get a clearance certificate from NITC Consulting, I called them numerous times but they are not picking up. I called NCR and they told me that I was removed from debt review I just have to get a clearance letter so that the flag that is on my profile can be removed. Can you please assist.