How will Debt Review influence my credit record and will I be able to apply for credit again in the future?

While you’re under Debt Review, the credit bureaus will show that you are in the process of repaying your debts, which means you won’t be able to take on new credit during this time. 

Once you have settled all your debt, we will issue you with a Clearance Certificate and notify the credit bureaus to update your record, and you will be able to apply for credit again. It is important to note that a Debt Review Clearance Certificate can only be issued if all short term debts (that were originally included under debt review) have been settled. Short term debts include all debts except for a home loan. 

Choosing Debt Review is a much safer option than trying to juggle payments or missing instalments. Falling behind on accounts, whether it’s a home loan, vehicle finance, or even a store card, can leave a lasting mark on your credit record, making it harder to get approved for credit in the future.

If you’re struggling to keep up with your debt, Debt Review helps you take control in a legally structured way. Instead of worrying about overdue accounts and legal action, you will have a clear plan to work towards becoming debt free. 


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We look forward to the opportunity to get you debt-free!

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