Short answer:
No — once you are under Debt Review, your credit providers cannot “blacklist” you or add any new adverse listings (such as defaults, judgments, or repossessions) for the accounts included in the Debt Review process.
How Debt Review Protects Your Credit Profile
Debt Review is a legal process under the National Credit Act (NCA) that provides protection to over-indebted consumers. While under Debt Review:
• Creditors cannot list new negative information on your credit record for included accounts.
• Legal action, such as repossession or court summonses, is paused while your debt review application is processed.
• You are not contacted directly by your credit providers regarding debts under Debt Review. (See more: If I am placed under Debt Review, will my Credit Providers still contact me?)
What About Existing Blacklisting?
Any adverse listings or “blacklisting” recorded before your Debt Review application will remain on your credit profile. Debt Review does not remove pre-existing negative information — it prevents new adverse listings during the process.
(Learn more about the impact of Debt Review on your credit report: How Will Debt Review Affect Your Credit Record?)
Why Apply Early?
The sooner you apply for Debt Review, the faster your accounts are protected from new negative listings. Early action also ensures you can start restructuring your repayments and regain control of your finances.
