Is this debt assessment really free?

Yes, 100% free. No credit card required, no hidden fees, no registration needed. You can see your results instantly without any obligation.

Does this affect my credit score?

No. We perform a 'soft enquiry' which does not impact your credit score at all. Only you can see this check – it's not visible to lenders or other creditors.

How accurate are the savings calculations?

Very accurate. We fetch your actual credit accounts from various registered credit bureaus including TransUnion, Experian, Vericred, VCCB, Datanamix, and Compuscan, then calculate savings based on real reduction rates: Home loans ~20%, Vehicles ~30%, Personal loans ~45%.

What happens after I complete the assessment?

You'll see your results immediately. If you qualify for debt review, you can choose to proceed with a free consultation, or simply use the information for your own planning.

Can married couples apply together?

Yes. If you're married in community of property, we automatically fetch both spouses' credit accounts and process the application jointly as required by the National Credit Act.

How long does the assessment take?

Under 2 minutes. Simply enter your ID number and we fetch your accounts automatically – no manual entry of debts required.

Free Debt Assessment Tool

Enter Your ID & Instantly See Your Real Debt Accounts with Savings

Auto-fetch from Credit Bureaus • Calculate Real Savings • No Credit Check Impact

New to debt counselling? Read our comprehensive FAQ guide to learn more

Auto-Fetch Accounts

6 Credit Bureaus

Real Savings Calculation

Per Debt Type

No Credit Score Impact

Soft Enquiry Only

Under 2 Minutes

Instant Results

Married in Community of Property? Both spouses' credit accounts will be fetched automatically. Joint applications are processed together as required by the NCA.

Personal Information

Income Details

Living Expenses

Debt Accounts

Results & Recommendations

Step 1: Personal Information

Full Name *

ID Number *

Cellphone *

Email Address *

I am currently under debt review

If you are already under debt review, this assessment is not the right tool. Use our NCR status check, transfer, clearance certificate or court removal services instead.

Marital Status

Single

Traditional

In Community of Property

Antenuptial Contract (ANC)

I consent to NDRC obtaining my credit report from registered credit bureaus to retrieve my debt information. This is a once-off inquiry processed in accordance with POPIA (Protection of Personal Information Act). *

Required to continue.

How It Works in 3 Easy Steps

Your Real Credit Accounts, Real Savings – No Manual Entry Needed

Enter Your ID Number

We fetch your live credit accounts from registered bureaus including TransUnion, Experian, Vericred, VCCB, Datanamix & Compuscan

No manual entry needed. Your real debts, balances, and monthly payments appear automatically.

Confirm Income & Expenses

Enter your household income and monthly living expenses

For married in community of property, we fetch both spouses' credit accounts automatically.

See Your Real Savings

Savings calculated per debt type: Home loans ~20%, Vehicles ~30%, Personal loans ~45%

See exactly how much you'll pay under debt review vs what you're paying now.

What Gets Included in Your Assessment

Included in Assessment (Credit Agreements)

Home loans & mortgages
Vehicle finance & leases
Personal & cash loans
Credit cards
Store accounts & retail credit
Overdrafts

Excluded (Not Credit Agreements)

Insurance premiums (short-term & life)
Utility accounts (electricity, water)
Closed or fully settled accounts
Accounts already in legal proceedings
Prescribed debts (3+ years no payment)
SARS debt & municipal rates

What You'll See in Your Results

Real Numbers from Your Real Credit Accounts

Your Actual Credit Accounts

Live data from credit bureaus showing all your active accounts.

Real balances, monthly instalments, and account types – no guessing

Debt-to-Income Ratio

Your exact percentage: over 50% typically means you qualify.

NCA qualification based on actual income vs debt obligations

Monthly Payment Reduction

Home loans: ~20% less, Vehicles: ~30% less, Personal loans: ~45% less

Calculated per debt type based on actual balances

Your New Single Payment

One consolidated payment covering all your debts.

Replaces multiple payments to different creditors

Credit Insurance Savings

See how much you're paying in credit life insurance that can be cancelled.

Often R500-R2000+ monthly in hidden insurance premiums

Instant Qualification Check

Based on NCA criteria: income, expenses, and debt obligations.

Qualified? Upload 3 documents — we do the rest

Frequently Asked Questions

Common questions about our free debt assessment tool

Your Privacy is Protected

All information provided is encrypted and handled in accordance with POPIA regulations. The credit bureau enquiry is a "soft check" that does not affect your credit score. We never share your personal information with third parties without your consent.