Debt Review Clearance Certificate
A clearance certificate is the document that officially ends your debt review — proof you’re debt-free. It’s the cleanest, most permanent way out.
What it is
When you’ve repaid the debts under your debt review (a home loan may be handled separately where payments are up to date), your NCR-registered debt counsellor issues a clearance certificate under the National Credit Act.
What it does
Your counsellor notifies the National Credit Regulator and the credit bureaus, who then remove the debt review listing from your credit profile. You come out with a clean record and can access credit responsibly again.
Why it matters
Without a clearance certificate, the debt review flag stays — which is exactly why scams promising to “delete” debt review are dangerous. Only this legitimate process actually clears you. See the full debt review removal guide.
Not sure how close you are? A free check shows your clearance status.
Handled on our partner Debt Solutions 4U’s secure platform (NCRDC2423). Or call 0861 487 487.
Debt Free With Armani is a registered debt counselling practice (NCRDC1015). This article is general information, not legal advice — your specific route depends on your circumstances.