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 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 Judgments can be rescinded (removed) through the court that issued them. Once rescinded, we notify the credit bureaus (TransUnion, Experian, XDS, Compuscan) and the listing is removed.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 chats so you know exactly what you need and what it costs before committing to anything. Contact us for a no-obligation consultation.

Night sky with stars over a calm horizon

Your Fresh Start Begins Here

Clear Your Name. Rebuild Your Credit. Start Fresh.

South Africa's trusted credit solutions company, helping South Africans legally escape debt review, remove judgments, repair credit records, and build the financial future they deserve. Nationwide service.

Chat With a Specialist See How It Works

Fully Compliant Chat Nationwide Service

Credit Solutions

100%

Compliant

24hr

Average First Response

Our Services

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.

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.

Not Sure Where to Start?

Start a chat and we'll tell you exactly what you need and how long it will take.

Chat With a Specialist

Process

Getting Help Has Never Been This Simple

Chat

Message us about your credit situation. No judgment, no obligation. We assess your profile and explain your exact options.

We Handle Everything

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

Your Fresh Start

Watch your credit record transform. Get your clearance certificate, see your score improve, and unlock new financial opportunities.

Chat With a Specialist

Happy South African family smiling together at home

Why NovaCredit

Why 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

FAQ

Frequently Asked Questions

View All FAQs

Get a Credit Assessment

Tell us about your situation and we'll WhatsApp you within 24 hours with your next steps.

Your Fresh Start Is One Conversation Away

Take the first step toward clearing your name and rebuilding your financial future. We're here to help.

Chat With a Specialist