Credit Pretoria

Credit Pretoria

Credit Pretoria

 Looking for credit in Pretoria? Credit salvage companies can help you! Credit Pretoria can help you when you are looking for a personal loan or a home loan. Credit Pretoria will find the best and most competitive loan for your needs. Credit Pretoria also offers invaluable services such as: Debt consolidation and help with rescission of judgements. If you have been blacklisted for credit Pretoria can help you with small but invaluable services such as applying for a cell phone contract. Credit Pretoria’s customer service will offer the best advice for any kind of credit need.

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Credit Salvage Companies in South Africa

Credit Salvage Companies

Credit Salvage Companies


Credit Salvage companies offer several invaluable services that can help you with any financial problem. If you are looking for debt consolidation or recession of judgements, credit salvage companies can help you find the best solution for your needs. Credit salvage companies also offer personal loans to help you with school fees, holidays, and emergencies. For home loans credit salvage companies offer competitive rates as they will shop around on your behalf. If you are blacklisted, credit salvage companies can help you, from clearing judgements to the more everyday issues such as getting a cell phone contract.

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Trading Name: Credit Salvage Debt Counsellors
Phone: 087 898 0897
Fax: 0865374733
Email Address: This email address is being protected from spambots. You need JavaScript enabled to view it.
Final Registration Date: 2014-04-07
NCR Registration No. NCRDC2338
Physical Address: 63 North Road, Linden
Postal Address: PO Box 5725, Cresta, 2118
Town: Linden

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Credit Salvage Corporation SA (Pty) Ltd
Credit Salvage on Hellopeter Consumer Portal


Average rating of 4.13 from 15 reviews

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Help us help you to break the chain of being over-committed

Help us help you to break the chain of being overcommitted

Help us help you to break the chain of being overcommitted


Step 1

Distinguish between luxury and necessity, then cut back on credit card use for luxuries.

Step 2

Commit to paying for your accounts in full each month on time and if possible do not use credit
cards at all.

Step 3

If you have many accounts and credit cards concentrate on closing one account every month or alternatively every second month until you are down to a couple of manageable ones.

Step 4

Cash has always been king, so set up a personal budget and only use cash. Stop purchasing on accounts or with credit cards until you have reached a position where your disposable income is favorable.



  • If you stop using a credit card or account facilities, the account will not be cancelled unless you call the company and request the account to be closed. If the account is not closed, the account will still attract admin fees, facility fees etc.
  • Keep credit cards and store cards at home or anywhere else, other than in your bag or wallet.
  • Set up a budget and do not pay one credit card with another.
  • Avoid withdrawing cash using your credit card unless in extreme emergencies. The transaction fees are high, and interest begins accruing immediately.
Help with Debt Consolidation

Debt Consolidation Help

Debt Consolidation Help


Dealing with false promises and false perceptions about Debt Consolidation Help

A credit provider company or bank will be able to give you debt consolidation help. If you feel you are drowning in debt you might be thinking it is time to get help with debt consolidation. Debt consolidation help has a perception that it will enable you to take all your debt and put it under a single loan, making repayments easier. 

Every bank or credit provider company has its Interest rate and credit policy, and it is up to the credit provider to decide whether you can afford the repayments on the loan. 

It is advisable to get debt consolidation help from a registered and reputable debt consolidation company. There is also a misconception that a debt consolidation loan will help you save hundreds if not thousands!

Dealing with the truth about debt consolidation loans.

If you have reached a point in your life where your debt is becoming a problem to repay you might have considered applying for a debt consolidation loan. 

As soon as you have thought about the info that is supplied to you in this short article about Debt Consolidation Loans, you will be in a much better position to identify whether a Debt Consolidation Loan is the most suitable choice out there for you today.

In easy terms, a Debt Consolidation Loan is a loan that gets granted to supply you with the funding needed to pay off all your present financial obligations while only having the consolidation loan to repay. 

Will You Get Approved for Debt Consolidation Loan?

Currently with the strict National Credit Act and reckless lending rules, it is difficult to get a Debt Consolidation Loan. To qualify you must have a squeaky-clean credit history and a credit score that is not in the proverbial risk zone. Simply put, to get a Debt Consolidation Loan, you will not have any adverse accounts reflecting on your credit report.

The disadvantages with a Debt Consolidation Loan are that if you do qualify for a loan the amount on offer might not be enough to cover all your debts. Consumers will still take the loan even though the amount is not enough to cover all debts creating an extra massive debt burden to settle. 

Before considering a debt consolidation facility, please contact us first. Our debt counselling product might be a far superior product to assist you to get rid of debt.

Read more about Debt counselling here Debt review process step by step

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Use Credit Salvage debt counselling for bad debt

bad debt

Bad Debt

Overwhelming debt is often a curse that follows you around and it is one thing millions of people struggle with. There are many ways of handling overwhelming debt. Financial advisors at banks are trained to deal with severe debt as are loan companies, who may have the answer you need to rid yourself of severe debt. Loan companies can offer unmanageable debt loans. The way an unmanageable debt loan works is to consolidate your bad debts into one loan, so you have one amount to pay which makes things more manageable. By consolidating your unmanageable debt, you can also budget your loan payments and get on top of your unmanageable debt for the last time. To get a loan to settle these bad debts, you need to have a clear credit record. exceedingly difficult for some.


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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 assists 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
  • Creditors and debt collectors are harassing you.


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 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 a community of property must 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 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 must 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 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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