by Wikus Olivier | Aug 11, 2025 | Articles, CreditSmart Essential Reading, Debt Review Removals
For many South Africans, debt review (also known as debt counselling or instalment consolidation) has been a crucial tool for managing overwhelming debt under the National Credit Act (NCA) no. 34 of 2005. This process, facilitated by a registered debt counsellor,...
by CreditSmart Author | Aug 7, 2025 | Articles, CreditSmart Essential Reading, Debt Review Removals
Are you currently under debt review and looking to regain your financial freedom? The Debt Review Removal process is a structured pathway that helps you legally exit debt review and restore your credit record. With CreditSmart’s expert guidance, this process ensures...
by Carla Oberholzer | Jul 11, 2025 | Articles, CreditSmart Essential Reading, Debt Review Removals
What is a Debt Review Flag & Why It Matters? When a consumer is found to be over-indebted under Section 86(6)(a) of the National Credit Act (NCA), a “debt review flag” is placed on their credit record. This status blocks access to new credit and remains until a...
