How Credit Salvage Helps You Remove the Debt Review Flag (Step-by-Step)
If you're reading this, you're probably tired of being blocked from credit because of the debt review flag still showing on your profile even though you've moved on. You're not alone.
At Credit Salvage, we help South Africans remove that flag legally, quickly, and permanently, using a court order, full compliance with the National Credit Act, and 6 months of aftercare to rebuild your credit status.
Why You Need to Remove the Debt Review Flag
The debt review flag might’ve protected you once—but now it's holding you back. Here's how:
It stops you from getting home loans, car finance, or even a cellphone contract.
It tells lenders you’re still financially distressed—even if you’re not.
It stays there until a legal process removes it, no matter how long ago you paid off your debts.
Who Qualifies for Debt Review Removal?
You qualify for removal if:
You have paid all accounts under debt review.
You were placed under review in error or unlawfully.
Your financial situation has improved and no debt restructuring court order was granted and you are no longer over-indebted.
You have been stuck for years with no clear way out.
Not sure if you qualify? We will check it for free.
The Credit Salvage Removal Process
We don’t cut corners. We follow the law and get real results, quickly.
1. Free Assessment
We assess your case upfront. You’ll know whether removal is possible. No guessing, no risk. If we cant assist and you dont qaulify we will advise you upfront.
2. Document Collection & Credit Report Investigation
We collect:
Credit bureau reports (TransUnion, Experian, XDS, Compuscan)
Paid-up letters from creditors (we can help request them)
Court documents or consent orders (if available)
We also run a credit profile audit to identify outdated, unlawful, or prescribed listings.
3. Online Application
Start and apply online easy and secure. Upload what you have, and we’ll help source the rest.
4. Court Application
We prepare a court application to declare you no longer over-indebted:
Filed under Section 87(1)(a) (if you still under debt review and there is no debt restructuring court order in place)
Or Section 71(1)(b) (if debts are paid)
Our legal team drafts everything and submits to the correct court.
5. Court Hearing
We attend on your behalf. Once the magistrate grants the order, you’re officially out of debt review.
6. Bureau Flag Removal
We send the order to all major credit bureaus. They must remove the flag within 20 business days.
7. Free Aftercare (6 Months)
We don’t disappear once the flag is gone. You get:
Help disputing incorrect listings
Score-building advice
Ongoing credit monitoring
Updates on bureau responses
Our Process, Simplified
| Step | What Happens |
|---|---|
| 1 | Online application (quick and secure) |
| 2 | Upload or send your documents |
| 3 | We do a credit audit and legal check |
| 4 | Our legal team drafts and files your case |
| 5 | Court order is granted |
| 6 | We notify all bureaus and confirm flag removal |
| 7 | You get 6 months of expert support afterward |
What It Costs
We believe in fair pricing:
Free eligibility check
Fixed fee (covers legal, court filing, and bureau removal)
Flexible payment plans – interest-free monthly instalments available
No "activation fees." No hidden charges.
Why Choose Credit Salvage?
We deliver where others cut corners:
| Feature | Credit Salvage | Many Others |
|---|---|---|
| Legal court order used | ✅ | ❌ |
| NCR-compliant process | ✅ | ❌ |
| Full bureau removal | ✅ | ❌ |
| Credit audit included | ✅ | ❌ |
| 6-month aftercare | ✅ | ❌ |
| Transparent pricing | ✅ | ❌ |
Legal Backing: We Follow the Law
Every case follows strict legal processes under the National Credit Act (NCA):
Section 71(1)(b)(ii) – Removal after all debts are paid.
Section 87(1)(a) – Removal via court if no longer over-indebted.
This is your right, not a loophole.
Real Clients. Real Results.
“After 4 years in debt review, Credit Salvage got my flag removed in under 5 weeks. I was approved for a home loan the same month.” – Sipho, Cape Town
“I tried another company first—they wasted time. Credit Salvage handled my case properly and legally. Highly recommended.” – Noluthando, Durban
Take Back Control of Your Credit Life
You're not stuck. You've moved on. Now it's time your credit report caught up.
Call us: 0878980895
Email:
Visit: www.creditsalvage.co.za
or simply Start your online application today. We will handle the rest efficiently and professionally.
Frequently Asked Questions
What is a debt review indicator/ flag?
A debt review flag is a credit bureau marker showing you’re under debt review. It stays listed even after you settle your debts blocking applications for loans, credit cards, and finance deals.
How long does it take to remove a debt review flag?
If all your debts are paid up, the removal process takes no longer than 10 business days.
If some debts are still outstanding and no restructuring court order exists, we’ll need to apply to court to have you declared no longer over-indebted. Once the court grants the order, the credit bureaus must remove the debt review flag within 20 business days.
Including legal work and court timelines, the full process usually takes 4 to 6 weeks.
What does Credit Salvage charge to remove a debt review flag?
We offer a fixed fee (legal, court filing, bureau removal included) and interest‑free monthly instalments. The exact amount is shared during your free eligibility check no hidden fees or activation charges.
Do I qualify for debt review flag removal?
You qualify if:
All accounts under debt review are paid up
Debt review placement was incorrect or unlawful
You're no longer over-indebted, and no court granted a debt restructuring order during your time under debt review.
You’ve been stuck under debt review for a long time without a clear exit
Get your free eligibility check now.
What is the difference between Clearance certificate (Form 19 removal) and court removal?
Form 19 Removal: Issued by a debt counsellor once all debts are paid.
- No court involved — it’s an administrative process.
- Court removal: Needed if under legal debt review and no debt restructuing court order was granted
Credit Salvage supports both routes processing each via a legally compliant approach.
Will Credit Salvage handle court appearances?
Yes. Our legal team prepares and files your court application and attends the hearing on your behalf. You don’t need to appear in court.
How does Credit Salvage notify credit bureaus?
After your court order is granted, we submit documentation to the NCR and all major bureaus (TransUnion, Experian, XDS, Compuscan), who are legally required to remove the debt review flag within 20 business days.
What is included in your popular 6‑month free aftercare service?
Your aftercare package includes:
Assistance disputing incorrect listings
Credit‑score rebuilding guidance
Ongoing credit monitoring
Updates on bureau responses
This helps ensure your credit remains clean.
Is the service legal under the National Credit Act?
Absolutely. We operate under:
Section 71(1)(b)(ii): Removal after all debts are paid
Section 87(1)(a): Court removal when no longer over‑indebted
Our system is compliant, transparent, and official.
What happens if I don’t qualify?
If you don’t meet the criteria, we’ll tell you upfront during your free assessment. We’ll also offer alternative solutions, such as full credit audits, default or judgment dispute assistance.