More
Services
• For accounts with a judgment, adverse or default status that have been fully paid up, we assist consumers in obtaining their paid-up letters if they are not available. This letter initiates the removal process, allowing the negative listing to be cleared from the four major credit bureaus.
• If you have accounts with an unpaid judgment, adverse or default status we actively assist you in negotiating and lowering your outstanding balances. Our process begins with a detailed investigation to verify the exact status of the negative listing, confirm the associated balance, and map out the legal removal path.
Status Update
• For accounts that are already fully paid but still show as unpaid on your profile, we use your paid-up letters to directly update and clear your status with the credit bureaus.
• Additionally, if there are any inaccuracies or disagreements regarding an account, we thoroughly investigate the discrepancies and formally lodge a dispute on your behalf to ensure your credit record is accurate and fully rectified.
Prescription
For debts older than three years where no formal legal action has been instituted, the debt may legally be deemed prescribed and no longer collectable. In these instances, we thoroughly review the account history and formally request prescription letters on your behalf, legally extinguishing the old liability and ensuring your profile is updated to reflect this status.
Learn More
Consultations
• Our comprehensive assessment provides full clarity on your debt review status. By verifying your details with the NCR, debt counsellors, and creditors balances to deliver an accurate Outcome Report and a strategic plan for your next steps.
• Our debt review cancellation moves forward as soon as you pass the assessment.