How long will the debt review flag last for?

Unfortunately, there’s no specific timeframe for how long your name will be flagged for. Your name will be flagged under debt review until all your debt has been settled and you’re up to date with your bond repayments. Once that happens you will be issued a clearance certificate which will prove that you have completed the debt review process. The credit bureaus will remove the flag from your name within 21 days once they’ve received the clearance certificate. The sooner you pay off all your debt, the sooner your name will be removed. What does it mean to have your name flagged? And how do you check if your name is flagged? 

How to check if your name is under debt review?

You can check if your name is under debt review by looking at your credit report. You can access your credit report from any of the credit bureaus like Experian, Transunion etc. Once you’ve logged into your credit report you will see an ‘under debt review’ notification. 

What does the debt review flag mean? 

Once you’ve been accepted under the debt review process your debt counsellor will notify all credit bureaus. Your name will be tagged with the ‘under debt review’ flag which will prevent you from making more debt while you’re under debt review. 

The debt review flag has been put in place to help you stay on track with your financial goals. It would be extremely difficult to get out of debt if you kept making more debt. Therefore it would be better for you to avoid debt while you’re under debt review. This would help speed up the process and allow you to learn how to cope financially without debt.

How do you remove the debt review flag? 

There’s only one way to remove your debt review flag, that is by paying off all your debt. You will receive a clearance certificate once you’ve paid off all your debt and your mortgage repayments are up to date. Pay any extra money you have every month towards your debt. The sooner it gets paid off, the sooner you can exit the process and get the flag removed.

Once you have paid off all your debt listed in your debt review repayment agreement, or all your short term credit agreements have been paid in full and your mortgage bond repayments are up to date, you can request a clearance certificate from your debt counsellor. 

Your debt counsellor will notify all credit bureaus and your debt review flag will be removed within 21 business days. 

Will you qualify for credit after the debt review flag is removed?

Once the debt review flag has been removed from your name you will be allowed to apply for credit again. You can then apply for new credit and rebuild your credit report back to healthy standing. Once you’ve completed the debt review process and you’re debt-free, you’ll be able to apply for home loans, car loans, store cards, and even credit cards again. You’ll have a second chance at building a strong financial future. 

Once you’re under debt review it is advised that you push as much extra cash as possible into your debt. This will help speed up the process and you’ll be debt-free sooner than expected. 

If you’re struggling to afford your monthly living expenses and your debt repayments, you may be over-indebted. Fill in the form below and one of our friendly consultants will contact you as soon as possible to discuss your options. 

34 responses to “How long will the debt review flag last for?”

  1. I am very angry with your service, I did a quotation with you then you put my name under debt review just for a quotation, here I am paying my accounts on my own and I cant do anything as i am regarded as a person under debt review

  2. Hi
    My accounts is coming off its normal account holders like African Bank…..but my name is stilled flagged.
    how do I get that removed because I am no longer paying through debt counselling.
    I was with African Debt Advisors.

  3. Good day, kindly note that the debt review flag will remain against your name till all debt has been settled in full. Once all debt has been settled you can reach out to your debt counsellor and provide them with your paid up letters to issue a clearance for you.

  4. ive been underf ddebt review ive paid my debt and recuieved my clearance certifictae .ive made new debt since ive been cleared but yet when i apply for a home loan then my Debt review status re aappears . how can i get over this

  5. Kindly contact your Debt Counsellor and advise them which company your bank uses to draw credit reports in order for your debt counsellor to contact the said company and provide them with the clearance certificate.

  6. Good day, I received a clearance certificate 1 April. But debt rescue only updates NCR on 4 May 2022. On transunion I can see that I am no longer in debt counseling but when I apply for credit I get denied

  7. Good dat Anette, please get in contact with our offices in order to see how we can assist.

  8. Can credit providers still refuse to issue paid up letters if the debt has prescribed?

  9. They will not provide you with a pad up letter as the account was not paid up but they can supply you with a prescription letter stating the debt has prescribed and written off.

  10. all my accounts is paid in full and i settle its myself as debt review as behind on everything

    can any one assist me to get me name remove form debt review and flag to be lifted

    was with hypden since 2017/06/01
    2020 started to pay my accounts my self


  11. Good day, kindly contact our office on 0861123644 and we will be able to advice.

  12. I have debt review flag under my name and please explain and how do.i get rid of it thanks vincemt

  13. Good day Vincent, kindly note that the debt review flag can only be removed once all debt has been settled and a clearance has been issued by your debt counsellor.

  14. The so called consulting companies helping to reduce interest charged by creditors are simply taking us for a ride. YMA called me for a quote and lied about how they get their money from NCR not from me. The next day that qoute had turned into an assessment application of which I cancel. All of a sudden I am placed on debt review which I still paying my creditors without even having to miss a monthly payment.
    How do I remove my name from being flagged as I am paying my creditors direct from month to month? Not once YMA has handled my payments. Just for doing debt assessment as they insisted is what dragged my name into being flagged 😓.. where do report behaviour of such business?

  15. Once robbed my Hlumelo Mfihlo a debt counselor who has deducting my money monthly claiming to pay my debts and I discovered late that he was not paying
    Now I paid all my debts in my own.without money to pay another debt counselor as I was robbed ah by Life power credit clear
    Please I settled all my accounts and Please help me with the flag
    M. T. Sefalafala

  16. Hi Kaotane, we are sorry to hear about your bud experience, your only option would be to reach out to the NCR with your complaint on 0860 627 627 or the NCR will investigate the matter and provide you with feedback and a solution.

  17. Hi Maggie, we are sorry to hear about your bad experience, your only option would be to reach out to the NCR with your complaint on 0860 627 627 or the NCR will investigate the matter and provide you with feedback and a solution.

  18. Hi my name is Mpho. I was dubbed into debt review by a YMA Consulting when I recieved a call they said they’ll just make an assessment of my credit and negotiate on my behalf to have only interest removed so that I pay only the debt,so I made the assessment only to find out sameday these people are actually putting on debt review which was late,so I cancelled but now I am being given runaround how can NCR help me I have already laid a complaint with NCR but they have not responded.

  19. Greetings. i have been issued a clearance cert. i tried applying for credit but was rejected. how long does it take for the bureaus to remove the flag. i have the cert, and paid up letter which the company has sent to the Bureaus. is the a period of time that needs to pass for that Flag to be removed. THANK YOU…..

  20. I was tricked by this credit advosor to sign, without beinv fully informed about the procesdures, they told me it takes 7 to 10 days when i cancell they told me i was already flagged, how do i cancell and remove my name from being flagged

  21. I was under debt review and I paid up all my accounts and issued with settlement letters, and the debt counselor have issued a clearance certificate under my name but there is still a red flag when applying for loan at the bank

  22. Good day, please contact the NCR to assist with the removal of the flag. You can contact them on 0860 627 627

  23. Good day, thank you for getting in touch. There is normally a 30 business day period for the bureaus to remove a flag but you can contact the NCR for assistance should this time has laps already. The NCR can be reached on 0860 627 627

  24. Good day Mpho, thank you for reaching out. Best would be to continue to try and get in contact with the NCR, you might have better success if you call them. Their contact number is 0860 627 627

  25. Hi
    my name is Grace I paid all my debts last year and submitted all my paid up letters even now I never get a clearance certificate I am with NDA I need help.

  26. Good day Grace, please contact the NCR on 0860 627 627 to assist with the clearance.

  27. Hi
    how to know if you are no longer under debts review after paying all your debts because Experian company doesn’t take my calls to find out.

  28. Hi Maxwell, the debt review flag can only be removed once all your debt has been settled. Once all debt has been settled your debt counsellor will supply you with a clearance certificate.

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