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benefits of debt counselling

Benefits of Debt Counselling

Benefits of Debt Counselling


  • Debt Counselling is much cheaper than administration and sequestration.
  • No hidden costs. All fees are charged in accordance with the National Credit Act (NCA)
  • No Additional debt counselling fees
  • Revised budget with the assistance of a registered and qualified debt counsellor
  • Pay only 1 revised instalment to all creditors
  • Protection of the Credit Act if you maintain your revised instalment
  • Peace of mind
  • Lower interest rates by acceptance of your creditors (after negotiations)
  • Budget caters for your living expenses






Credit Clearance Application Form SA

credit clearance online Application

Credit Bureau Clearance Services - Credit Repair South Africa

We are one of South Africa's leading Credit bureau clearance companies, responsible for delivering impeccable service and world-class customer services. We make the process of credit bureau clearance a happy and satisfying experience. 

Have you been declined for finance?

We can assist you to restore your credit reports and, in the process, increase credit scores.

Are you Struggling to get your credit reports in order? if you've been turned down for finance, vehicle finance or even home loan applications our knowledgeable team is here to help.  

With your consent, we will access your profile from 4 of South Africa's major bureaus. From there we work on your profiles and provide you with the required results.

Our success and satisfied clients speak for themselves.

We care and we listen to EACH client. We put ourselves in our client's shoes and then we make a plan that works. Our success is only measured by results, the most important being how our clients feel about their experience with us.

We work efficiently, quickly and each client gets personal attention. 

Our process is effective, quick and easy. If you are interested in taking this rewarding journey with us complete our online application and let us wow you with our dedication.

Credit Salvage Testimonials

How WE Can Help You!

Benefit from our Expertise and sign up today.
  • Unlike other companies with hidden costs, we have a low pricing structure with no hidden fees.
  • Quick turnaround times when dealing with us
    • We will start the clearance process in a couple of hours of receiving a signed application form. 
  • You will know exactly what is wrong with each of your credit bureau profiles
    • Prospective credit providers will decline credit applications upfront due to low credit scores
  • A detailed credit score analyses and plan of action to improve credit scores. We deal with 4 of the major credit bureaus in South Africa.
    • Transunion
    • Experian
    • Compuscan
    • XDS
  • No face-to-face interview required
    • We assist clients countrywide
    • World-class reporting system to ensure you stay updated throughout the entire process
    • Extremely easy to get hold of your account manager through website chat, telephone, WhatsApp and email.
  • Professional interaction with all bureaus. Removals and updates to adverse accounts and listings
  • Credit Score Improvements
  • Registered with various industry regulatory bodies.
  • 16 years of industry experience with hundreds of positive referrals and positive reviews. We care and we make a plan!
  • Easy online credit clearance application
  • Money-back guarantee.


 Credit Bureau Clearance Process Credit Salvage min

Cost Structure

Please find below our cost structure. Fees can be paid once off upfront or in affordable monthly repayment instalments. 

We have a repayment plan suited for every budget. Don't delay. Start today! 

Credit Bureau Clearance costs min

Let’s Fix Your Credit Rating

You found us so it would be a fair assumption that you might have been blacklisted or is not creditworthy. This poor credit rating and credit score are stopping you from moving forward in life.

To start our credit bureau clearance process simply follow the steps in our online application or you can call one of our customer-focused support staff on 0878980895/6/7/8

Have more questions you wish to have answered? Please visit our frequently asked question page for answers. Credit Clearance FAQ page

Let's start off with some basic information.

Please ensure all information is correct.

Where did you hear about us?

Please type your Full names and Surname

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Please select a date when you receive your salary.

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Your Consent

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To avoid any delays in processing your application please ensure you sign in the signature block. We cannot proceed without a valid consent signature.

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Costs and Benefits

Please choose your option for repayment. 

I need the following service

Please choose one option for credit clearance.

Please choose one option for Debt review removal

Payment option

Please Note: Unfortunately, we are unable to accept EFT as a form of payment for monthly instalments. If you require the fees to be repaid in instalments please choose the debit order option above and complete your details as required.


Should you prefer to repay our fees in affordable instalments for up to 5 months please complete the following debit order details.

Please take note that we DO NOT require an upfront or deposit payment. We will start the process, as mandated by you, as soon as the Debit Order is authenticated by you.

Your bank name

Please choose one option for credit clearance.

Please choose one option for Debt review removal

Debicheck Terms

DebiCheck is a debit order collection method that we will use to collect money from you to pay for our services. We DO NOT require an upfront payment to start with any work. We however do require that a valid authenticated DebiCheck is in place for future collections.

DebiCheck is a debit order payment method where payments are processed in the early morning and we must both follow additional steps if you want to pay us from your account via this debit order payment method.

Payments processed under this mandate will commence at different times:

  • If this mandate is provided for a new agreement with us, the date on which the first payment is processed will be determined as per your debit order mandate signed.
  • If the mandate is provided for an existing agreement with us, the date on which the first payment is processed will be the same payment day as per the original mandate signed after you have authenticated this mandate.


If you do not have funds available on the stipulated payment day, we may be unable to collect a payment, you will remain liable for all unpaid amounts due by you.  If your debit order is not paid, you may be in breach of your agreement with us.

We may continuously look into your account before and after the payment day and resubmit the collection should we not have been successful in collecting on the payment day.  This is called “tracking”.

If you have an existing DebiCheck mandate, this mandate will then replace the existing mandate.


I, the undersigned, request Credit Salvage to arrange with my bank to collect, by means of the debit order system, the payments in terms of the stipulations of the contract and payments in arrears (as they may be amended from time to time/where applicable/where so requested) of the above-mentioned against my account.

Benefits (The paid fee will give you the following service)

Credit bureau checks, Credit clearance and/ or updates Clearance of Listings, Reckless lending, Prescription cases and budgeting advise. Credit score monitoring and advise for a period of 6 months after clearance.

Should you wish to make an eft transfer please contact us directly on 0878980895.

Power of Attorney and Fee Agreement

Credit Salvage Corporation SA (Pty) Ltd reg number 2006/017266/07 as my ("Agent") With the power of attorney and substitution to render the necessary professional service (done by CREDIT SALVAGE CORPORATION SA (PTY) LTD) and legal services (done by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD)

I hereby revoke all general powers of attorney that previously have been signed by me. However, the preceding sentence shall not have the effect of revoking any powers of attorney that are related to the health care that previously have been signed by me.

My Agent (Credit Salvage Corporation SA (Pty) Ltd or by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD) shall have full power and authority to act on my behalf. This power and authority shall authorize my Agent Credit Salvage Corporation SA (Pty) Ltd or by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD) to manage and conduct all my affairs and to exercise all my legal rights and powers, including all rights and powers that I may acquire in the future. My Agent's powers shall include, but not be limited to, the power to:

  • Investigate with past and current credit providers about outstanding balances owed, obtaining paid-up confirmations and paid-up letters from these creditors and obtain any necessary legal documentation to attend to the rescission of judgments. Prepare, sign, and file documents with any governmental body and credit providers. 
  • Employ professional and business assistance as may be appropriate, including attorneys, accountants, real estate agents, and Bond originators
  • Obtain information or documents from any government or credit providers, and negotiate, compromise, or settle any matter with such government or credit providers.
  • Prepare applications, provide information, and perform any other actions requested by any government or its agencies and credit providers.
  • Liaise and provide affidavits and rescission orders to the registered credit Bureau to remove adverse information from their database. This includes logging any disputes relating to my personal credit profile held at these bureaus This Power of Attorney shall be construed broadly as a General Power of Attorney. The listing of specific powers is not intended to limit or restrict the general powers granted in this Power of Attorney in any manner.

Any power or authority granted to my Agent (Credit Salvage Corporation SA (Pty) Ltd or by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD) under this document shall be limited to the extent necessary to prevent this Power of Attorney from causing: (i) my income to be taxable to my Agent, (ii) my assets to be subject to a general power of appointment by my Agent. My Agent (Credit Salvage Corporation SA (Pty) Ltd or by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD) shall not be liable for any loss that results from a judgment error that was made in good faith. However, my Agent shall be liable for willful misconduct or the failure to act in good faith while acting under the authority of this Power of Attorney.

I authorize my Agent to indemnify and hold harmless any third party who accepts and acts under this document. My Agent (Credit Salvage Corporation SA (Pty) Ltd or by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD) shall be entitled to reasonable compensation for any services provided as my Agent. My Agent (Credit Salvage Corporation SA (Pty) Ltd or by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD) shall be entitled to reimbursement of all reasonable expenses incurred in connection with this Power of Attorney. This Power of Attorney shall become effective immediately and shall not be affected by my disability or lack of mental competence, except as may be provided otherwise by an applicable state statute. This is a Durable Power of Attorney. This Power of Attorney shall continue effective until my cancellation with Credit Salvage Corporation SA (Pty) Ltd or by “the attorneys” nominated by CREDIT SALVAGE CORPORATION SA (PTY) LTD. This Power of Attorney may be revoked by me at any time by providing written notice to my Agent.

Please choose one option for credit clearance.

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Power of Attorney and Fee Agreement - Continue



With the power of attorney and substitution to render the necessary professional service (done by CREDIT SALVAGE) and legal services (done by “the attorneys” nominated by CREDIT SALVAGE)

  • I confirm that I am aware that Credit Salvage Corporation SA (Pty) Ltd and/or the attorneys may withdraw as my agent and/or attorneys for good cause, or in the event of my failing to pay any fees or disbursements in terms of this agreement. The attorneys are entitled to charge legal fees for services rendered on a scale between attorney and own client which will be payable on demand. In the event of nonpayment Credit Salvage Corporation SA (Pty) Ltd and/or attorney shall be entitled to retain all documentation in their possession, whether prepared by them or not, until the full amount outstanding in respect of administration and/or legal fees and disbursements is paid. Work will only commence once the first payment has been paid into the nominated account or in the case of a debit check once the debit order is authorised through your banking app or in branch and we have received such confirmation. In the case of you opting to make cash payments towards fees, no matter will be finalised until receipt of full payment of the actual administration and/or legal fees and disbursements have been paid in full. Correspondent and advocate fees will be charged additionally.
  • I fully understand and agree that should Credit Salvage Corporation SA (Pty) Ltd and/or the attorneys be unsuccessful in obtaining any rescission, removal or updating of any judgment, adverse, default or any listing against me, I will not be entitled to a refund of any fees paid by myself. I further understand that it may not always be possible for Credit Salvage Corporation SA (Pty) Ltd and/or attorneys to be successful in the rescission, removal updating of any judgment, adverse, default or any listing against me, however, they will endeavour to positively upgrade these listings.
  • I confirm that should this mandate be terminated for any reason whatsoever, that Credit Salvage Corporation SA (Pty) Ltd and/or attorneys shall be entitled to charge wasted costs occasioned by any work already commenced by them, in addition to a cancellation fee of R750. Please note that once the matter has been handed over for collections, you will be liable for all collection costs. 
  • I hereby authorise Credit Salvage Corporation SA (Pty) Ltd and/or attorneys to conclude settlement negotiations with my various creditors. Should Credit Salvage Corporation SA (Pty) Ltd be successful in negotiating a reduced settlement amount payable by me to the creditor, I agree to pay Credit Salvage Corporation SA (Pty) Ltd and/or attorney the sum of 20% (twenty per cent) of the said saving as a negotiating fee. This negotiating fee shall be payable over and above the administration and/or legal fees quoted. I hereby also appoint Credit Salvage Corporation SA (Pty) Ltd and/ attorneys to be my broker and that they, or their representatives, have the authorization to access any of my personal information, including credit bureau reports held by a registered credit bureau and policy information held by any financial institution.
  • To keep administration and legal fees to a minimum, I understand that Credit Salvage and the attorneys shall only contact me as and when necessary and only when progress is to be reported to me. In this regard, I confirm that any additional telephone calls and/or consultations made by me when enquiring on progress shall be payable by myself in addition to the administration and/or legal fees quoted.
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Credit Salvage Debt Counselling and Credit Clearance Attention min 1

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Use Credit Salvage debt counselling for bad debt

bad debt

Bad Debt

Bad debt is often a curse that seems to follow you around and it is one thing millions of people struggle with. There are various ways of handling bad debt. Financial advisors at banks are trained to deal with bad debt as are loan companies, who may have the answer you need to rid yourself of bad debt. Loans companies can offer bad debt loans. The way a bad debt loan works are to consolidate your bad debts into one loan, so you have one amount to pay which makes things more manageable. By consolidating your bad debt you can also budget your loan payments and get on top of you bad debt once and for all. In order to get a loan to settle theses bad debts, you need to have a clear credit record. very difficult for some.

Do away with debt and bad Debt with debt counselling
A debt-free life is a dream for many South African customers. There are several options offered today for you to do away with your debts. We will talk about one of the cheapest and simplest options called debt Counselling.
What is Debt Counselling?
Debt counselling is a regulated process to offer debt counselling solutions and aid consumers to repay debt. Our debt counselling firm will aid you to set up a repayment strategy that will assist you to get out of debts within a certain period.
How does debt counselling work?
Debt counselling assist you to enjoy reduced payments at reduced interest rates to eliminate debt. We will propose a suitable repayment plan after we have done an in-depth evaluation of your finances
We will propose this repayment plan to all your credit providers and consolidate all your debt obligations into a single low-interest instalment.
You will need debt counselling if:
  • You cannot pay the minimum instalments on your accounts.
  • You're paying late on several of your accounts
  • You are being harassed by creditors and debt collectors.


Consider debt counselling to defeat debt: Article published  - https://www.ncr.org.za/2014-04-24-13-56-22/255-consider-debt-counselling-to-defeat-debt

Loss of employment, salary cuts, medical bills, rising fuel prices, food and cost of living in general and overspending are some of the reasons why consumers end up being over-indebted. A consumer is considered to be over-indebted if the available income is not enough to pay for basic living expenses and debts. The National Credit Act (NCA) introduced debt counselling as a debt relief measure aimed at assisting and rehabilitating consumers who are over-indebted. This assistance is provided by debt counsellors registered with the National Credit Regulator (NCR) through negotiation with credit providers and reduction of monthly contractual payments in line with the consumer’s disposable income, whereas rehabilitation is realised through regular reduced payments until the debt is paid up and a clearance certificate is issued, says Kedilatile Legodi, Manager for Debt Counselling at the NCR.

When consumers are under debt counselling, they get protection against legal action by credit providers and for as long as they maintain payments of their monthly reduced payments. Consumers who are married in community of property have to make a joint debt counselling application. There is no prescribed and fixed debt counselling repayment term and the period that a consumer remains under debt counselling depends on the consumer’s income, basic living expenses and the type of debt the consumer has, explains Legodi. Once all debts have been paid up under debt counselling, the consumer will be issued with a clearance certificate to show that they are debt free.

At times, debt counselling is offered / advertised as a payment holiday or a savings plan where consumers are promised to save up to a certain percentage of their monthly instalments. This type of advertisement is misleading and prohibited, says Legodi. Consumers need to understand that debt counselling is a relief measure to cope with the financial distress and that they remain responsible to continue paying their debts until they are paid up. Debt counselling does not in any way, give consumers a break from paying their debts, stresses Legodi.

Consumers are encouraged to be proactive and seek help immediately when they notice signs of over-indebtedness and financial distress. In addition, before consumers sign the debt counselling application form, they have to make sure that they understand what the debt counselling process is, what their rights and obligations are as well as the consequences of being under debt counselling. Debt counsellors have an obligation to explain the process in detail and to disclose applicable debt counselling fees in writing.

To get a list of registered debt counsellors within their areas, consumers are advised to visit the NCR website (www.ncr.org.za). Debt should not be a silent killer or the end of the road for consumers, there is relief in debt counselling that leads to rehabilitation, concludes Legodi.



If you've been trying to deal with your uncontrollable bad debts which are hanging over your head, it's time to talk with us. Our Easy process to Living Debt-Free is the most basic and also the most effective way to assist you to repay all your bad debts. Credit Salvage helpful and experienced staff will be there every step of the way to look after you.

Give us a call today on 0878980895


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