Our Services
at Clear My Name

At Clear My Name, we specialize in helping consumers reclaim their financial freedom through legally compliant and effective credit solutions. Each of our services is designed to ensure that your credit records are accurate and fair in accordance with South African credit and consumer protection laws.

Debt Review Removal

We are experts in facilitating the legal removal of the Debt Review flag from your credit record. If you have completed your debt restructuring or were incorrectly placed under debt review, it is important to understand that removing the debt review status is a legal process that requires a court order.

Our process

01

Upon receiving your free application form, our legal team will conduct a detailed eligibility assessment in line with the Debt Review Withdrawal Guidelines issued by the National Credit Regulator (NCR).

02

If you qualify, we will prepare and launch an application in the relevant Magistrate’s Court to obtain a court order authorizing the removal of the debt review status.

03

Once the court order is granted, we will ensure that your credit profile is updated across all registered credit bureaus and that the debt review flag is removed from your record.

Benefits of Debt Review Removal:

Regain full creditworthiness and become eligible to apply for home loans, vehicle finance, credit cards, and personal loans.

Experience a significant improvement in your credit score.

Rebuild your financial profile with confidence.

Apply now using our Free Online Application Form and receive feedback within 24 working hours via SMS. Alternatively, fill in our Call Me Back Form, and one of our experienced consultants will contact you shortly.

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Debt Review Clearance Certificate

In accordance with the National Credit Act (NCA) and the NCR’s Debt Review Withdrawal Guidelines, consumers who have fully repaid all short-term debts included under debt review may be eligible for a Debt Review Clearance Certificate (Form 19).

What Is a Clearance Certificate?

A Clearance Certificate is an official document confirming that:

01

You have fully settled all short-term debts (excluding your home loan, if any),

02

You no longer require debt counselling or restructuring, and

03

Your debt review status may be formally removed from all credit bureau profiles.

Eligibility Criteria:

All short-term debts (such as credit cards, personal loans, retail accounts, and vehicle finance) originally included under your debt review must be settled in full.

If a vehicle loan was part of your debt review, it must also be fully paid off.

Your home loan may remain active, provided it is up to date.

Once the certificate is issued, your credit record is cleared of the debt review flag, allowing you to become credit-active again and work toward rebuilding your financial standing.If you have completed your repayments and are ready to move forward, let us help you obtain your Clearance Certificate without delay.

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Prescribed Debt Removal

Under the Prescription Act 68 of 1969, a debt is considered “prescribed” if it meets certain conditions, meaning it is no longer legally enforceable, and the credit provider may not lawfully demand payment or list the debt on your credit report.

When Does Debt Prescribe?

01

No payments have been made for 3 years or more,

02

You have not acknowledged the debt in writing or verbally during that period.

03

The credit provider has not taken legal action or obtained judgment against you within that time.

Despite these legal protections, prescribed debt often continues to reflect on your credit profile, unfairly lowering your credit score.

How We Help:

Reviewing your credit reports from all major credit bureaus,

Identifying prescribed debts that are unlawfully listed,

Initiating the necessary disputes and correspondence to have them removed,

Ensuring your credit score is accurately restored in line with your legal rights.

Let us assist you in clearing prescribed debt from your name — and help you restore your creditworthiness.
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