Debt Review Means | Will My Credit Profile Be Ruined? | How to Overcome Debt Review | How to Be Debt-Free!

What does Debt Review Mean, and will it ruin my credit score? How will I be able to overcome it and rebuild my credit score? Is it even possible? These are the questions overindebted consumers are anxiously asking daily. In this article we will aim to answer these questions.

If you still have more questions, you’re welcome to call one of our NCR-Accredited Debt Experts to answer those questions.

In South Africa, thousands of consumers are turning to debt review as a lifeline—but many still ask:
Will my credit profile be ruined forever?

The short answer:

No. 

It depends on how you navigate the process—and who walks the road with you.

At CureDebt, we believe debt review is not a trap. It’s a structured road to financial freedom. With our proven track record, HelloPeter reviews, and legally compliant strategies, we help South Africans across all nine provinces reclaim control of their finances.
What Does Debt Review Mean?
Debt review (also known as debt counselling) is a legal process introduced under the National Credit Act (NCA) to help over-indebted consumers manage their repayments. A registered debt counsellor assesses your financial situation, negotiates with creditors, and restructures your debt into one affordable monthly payment.
Will My Credit Profile Be Ruined?
No, but here’s what you need to know:

• While under debt review, your profile is flagged at credit bureaus, which temporarily restricts access to new credit.

• This flag is removed once you complete the process and receive a clearance certificate.

• Debt review does not blacklist you. That’s a myth. It’s a protective measure, not a punishment.
How to Overcome Debt Review
There are three legal ways to exit debt review:

1. Before a court order is granted: You can withdraw by proving you're no longer over-indebted.
2. After a court order: You must settle your debts and obtain a clearance certificate.
3. Via legal application: If you were incorrectly placed under review, you can apply to have the flag removed.
🌍 Geo-Targeted Support Across South Africa
CureDebt operates nationwide, offering tailored support in:

• Gauteng: High-volume commercial debt
• Western Cape: Seasonal income challenges
• KwaZulu-Natal: Infrastructure-related financial strain
• Eastern Cape: Tourism and SME volatility
• Free State, Limpopo, Mpumalanga, Northern Cape, North West: Agricultural and rural debt complexities.

We understand the regional nuances that affect your financial health—and we build solutions that reflect them.
🌟 CureDebt’s Reputation Speaks Volumes
We’re proud of our HelloPeter reviews, where clients consistently praise our:

• Empathetic service
• Professionalism
• Clear communication
• Legal compliance

Explore our client stories and testimonials on HelloPeter.
✅ Be part of the winning team and learn how you can Be Debt-Free too!

Here’s your road to financial stability:

1. Start with a free assessment from CureDebt.
2. Commit to the repayment plan. We’ll negotiate the best terms.
3. Stay consistent. We’ll handle the legal and creditor communication.
4. Receive your clearance certificate and rebuild your credit profile.

Want to accelerate the process? Call CureDebt and learn how it works.
💬 Final Thought
Debt review isn’t the end. It’s a New Debt-Free Start.

Ready to take the first step?
Visit CureDebt’s homepage or schedule a free consultation today.

We at CureDebt sourced the best legal minds in the country to assist our client in this endeavour. We have established Debt Solutions Experts (business & personal) on board that work hand in hand with us to ensure success and stop debt. We can help free you from the debt trap!

Click here to Request a call back and receive Expert Advice!!!

CureDebt your ONE-STOP-SHOP FOR DEBT RELIEF SOLUTIONS and debt rehabilitation in South Africa. If we cannot help you no one can.

You shouldn’t have to bear the burden of over-indebtedness just because of circumstances beyond your control. And even if there were some mistakes along the way, remember, it’s okay to let go of that guilt! You deserve to move forward without punishing yourself for the past. It's time to level up and embrace a debt-free lifestyle! Let's make it happen today!

Just a quick phone call, and one of our amazing Debt Relief Experts will be there to answer all your questions! Just a little reminder that advice is totally FREE!