National Debt Review Center
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    HomeDebt Review RemovalFAQGetting Started
    Back to all FAQs

    Getting Started

    What is debt review removal and eligibility basics

    7 Questions

    What is Debt Review Removal?

    Debt review removal is the legal process of clearing the debt review status from your credit profile at all South African credit bureaus. The flag is...

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    Can debt review be removed?

    Yes, debt review can be legally removed from your credit record, but only through specific processes recognised by the NCR and the National Credit Act...

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    Who qualifies for debt review removal?

    Which removal method applies to you depends on three factors: whether a court order exists for your debt review, whether you have settled your account...

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    Is it easy to get out of debt review?

    Whether getting out of debt review is straightforward depends on your situation. If you have paid all accounts and only a current home loan remains, t...

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    Can I remove my name under debt review if I have not finished paying my debt?

    Debt?

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    Is debt review a criminal record?

    No. Debt review is not a criminal record. Debt review is a civil financial status created under the National Credit Act 34 of 2005 to assist over-inde...

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    What is the red flag on debt review?

    The debt review red flag is a notation placed on your credit profile at all South African credit bureaus when you enter debt review under Section 86 o...

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    Explore Other Categories

    The Process14 questions
    Costs & Fees5 questions
    Legal Framework16 questions
    After Removal10 questions
    Special Cases20 questions

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    NDRC

    National Debt Review Center

    Registered debt counsellors helping South Africans achieve financial freedom since 2014. Your trusted partner in debt relief.

    041 012 5036041 012 5036 (Sales)[email protected]3rd Floor, Regus House, Fairview Office Park, 66 Ring Road, Greenacres, Port Elizabeth, 6000
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    Principal Debt Counsellor

    Sibabalwe Samora Dakana

    NCR: NCRDC3106DCASA Member: 0877
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    The National Debt Review Center (NDRC) is a registered debt counselling practice with the National Credit Regulator (NCR Registration: NCRDC3106). Our services are conducted in strict accordance with the National Credit Act 34 of 2005 and NCR Circular 09 of 2025 regarding DHS status updates.

    Important: Debt review is a regulated legal process. While under debt review, you will be unable to obtain further credit until a Clearance Certificate (Form 19) is issued or a court order declares you no longer over-indebted.

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    Company Reg: 2014/286439/07VAT: 4510302187Est. 2014

    © 2026 National Debt Review Center (Pty) Ltd. All rights reserved. Trading as NDRC. Company Reg: 2014/286439/07. NCR Registration: NCRDC3106.