How long does debt review removal take in South Africa?

The process typically takes 2 to 4 months depending on whether you have paid up all your accounts or are applying for early exit. Our team will give you an accurate timeline after your free chat.

Can a judgment be removed from my credit record?

Yes. Judgments can be rescinded (removed) through the court that issued them. Once rescinded, we notify the credit bureaus (TransUnion, Experian, XDS, Compuscan) and the listing is removed. The process usually takes 6 to 10 weeks.

How much does it cost to repair my credit?

Costs vary depending on which service you need. We offer free chats so you know exactly what you need and what it costs before committing to anything. Contact us for a no-obligation consultation.

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Everything You Need to Clear Your Name and Rebuild Your Credit

Whether you're under debt review, have a judgment against your name, or simply want to improve your credit score, we have the solution.

Debt Review Removal

Legally exit debt review and receive your clearance certificate. Get back your financial freedom, faster than you think.

Judgment Removal

Remove default judgments from your credit record with our specialists. Stop being declined, start qualifying.

Credit Repair & Score Improvement

Dispute negative listings, remove adverse marks, and improve your credit score so you qualify for loans, bonds, and credit again.

Debt Rehabilitation

Formally rehabilitate your credit profile through the correct legal process. We handle everything so you don't have to.

Credit Coaching

Our signature service. We don't just fix your credit, we teach you how to build and protect it for life. One-on-one coaching.

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Process

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We Handle Everything

Our specialists manage the entire process, from filing documents to liaising with credit bureaus, courts, and creditors on your behalf.

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Why NovaCredit

Why Thousands of South Africans Choose Us

Fully compliant and legally authorised to help you
Nationwide service, help from anywhere in South Africa
Transparent process, always know exactly where your case stands with regular updates
Credit coaching included, we're the only service that teaches you to keep your credit clean
Real results, real people, real credit scores improved, real clearance certificates delivered

Testimonials

Real South Africans. Real Results.

"I was under debt review for 4 years and thought I'd never own a home. NovaCredit Consulting helped me get my clearance certificate in 3 months. I got my bond approved 6 weeks later. I'm still emotional about it."

Thandiwe M.

Johannesburg · Debt Review Removal

"I had a judgment from 2019 blocking every credit application. Within 8 weeks, NovaCredit had it removed. The process was smooth, they kept me updated every step. Highly recommended."

Mark.V

Cape Town · Judgment Removal

"The credit coaching was a game-changer. Not only did they fix my credit record, they taught me how credit actually works. My score went from 480 to 720 in 5 months."

Lerato B.

Pretoria · Credit Coaching

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