Frequently Asked Questions

Yes. The initial enquiry and assessment carry no charge. Any fees for further services are explained clearly before you decide to proceed.

No. CrediSure provides credit advisory, assistance and education services. We do not provide loans or loan funding.

No. Outcomes depend on your individual circumstances, creditor and bureau responses and applicable legal requirements. We will always give you an honest assessment.

Your name, South African ID number, contact details and a short description of your situation. We do not need bank statements or credit reports at this stage.

We handle personal information confidentially and in line with the Protection of Personal Information Act (POPIA).

Not automatically. The route depends on your status, whether an order was granted and whether your debts have been paid. We assess this before recommending any step.

A clearance certificate (Form 19) is issued by a debt counsellor once all obligations under a debt restructuring order have been satisfied, with some exceptions such as long-term home loans.

No. Removing the debt review flag does not cancel the debt. You will continue to owe any outstanding balances, but you will deal with creditors directly.

No. The period may have been interrupted, or a longer period may apply. Each account needs to be investigated individually.

Be careful. A payment or acknowledgement may interrupt prescription. It is advisable to obtain guidance before paying or acknowledging an old debt.

Bureau treatment depends on the listing type and the applicable regulations. We assist with following up on any profile updates that may be appropriate.

Debt review is a formal process under the National Credit Act with legal protection and a credit profile flag. Mediation is informal and voluntary, relying on creditor agreement.

No. Each creditor considers proposals on its own terms. We aim to present proposals that are realistic and well supported.

Only information that is inaccurate, outdated or no longer lawfully retained may be corrected or removed. Accurate information that is lawfully listed remains.

Bureaus generally have a set period to investigate disputes, but overall timelines depend on credit provider responses.

Not necessarily. Settlement is often required, but an appropriate rescission or removal process usually still needs to follow.

There may be grounds to apply for rescission, depending on the facts. We investigate and explain the options.

There is no fixed discount. Outcomes depend on the creditor, the age of the account and your proposal.

Once settled, the account should be updated. We request paid-up letters and follow up with bureaus where appropriate.