Credit Repair South Africa
Professional credit record repair and credit score repair solutions.
✅ Find out what is affecting your credit score
✅ Professional credit record repair guidance
✅ Structured plan to improve your credit score
Trusted credit repair support for South Africans since 2016
Take Control of Your Credit Record
Your credit profile affects your ability to access finance, secure approvals, and move forward financially.
If your credit score is holding you back, our professional credit repair service can help you understand your position and take corrective action.
Our legal partner conducts a structured credit repair assessment to determine:
- Whether inaccurate information can be removed
- Whether paid-up accounts need updating
- Whether arrears need structured resolution
- Whether legal intervention is required
This approach focuses on lawful credit record repair and structured credit score repair.
Benefits of Credit Repair
1️⃣ Restore Your Credit Record
The team identifies incorrect, outdated, or paid-up accounts and engage with credit bureaus to correct inaccuracies.
2️⃣ Improve Your Credit Score
By resolving negative listings and guiding structured repayments, your credit score improves over time.
3️⃣ Update All Major Credit Bureaus
Our legal partner ensures corrections reflect across relevant bureaus where applicable.
4️⃣ Arrears Management Guidance
Clients with outstanding debt receive structured guidance to reduce arrears and limit further damage.
5️⃣ Professional Representation
The legal team communicates with credit bureaus and institutions on your behalf to manage the process properly.
Start Your Credit Repair Assessment
Complete the form to connect with our credit repair team.
How it works
Credit record review
Our legal partners access your credit profile using your ID number and analyse negative information affecting your credit score and profile.
Strategy & Quotation
You receive a structured credit repair plan outlining required actions and associated fees.
Implementation & Follow-Up
The team engages bureaus and institutions, guide arrears management, and monitor progress until corrections reflect.
Frequently asked questions
How long does credit repair take?
There is no fixed timeline. Credit repair depends on the type of negative listings, age of accounts, and whether legal matters are involved. Improvements happen progressively.
Does credit repair remove all negative listings?
Credit repair removes inaccurate or paid-up listings. Legitimate unpaid debt must be resolved before removal.
Can judgments be removed?
Court judgments require legal processes. In some cases, attorney involvement may be necessary.
How much does credit repair cost?
Every credit profile is unique. Fees are quoted after completing a credit repair assessment.
Will my credit score improve immediately?
No. Credit score repair takes time. Positive payment behaviour and corrections gradually improve your rating.
Is this debt review?
No. Credit repair is not debt review.
Debt review is a legal process under the National Credit Act where your accounts are restructured and you are restricted from taking new credit.
Credit repair focuses on reviewing your credit profile, identifying incorrect or outdated listings, and assisting with lawful corrections to improve your credit record.
Will I be blacklisted if I apply?
No. Applying for a credit repair assessment does not blacklist you.
We review your credit profile and advise whether corrections or interventions are possible. There is no negative impact on your credit score simply for requesting an assessment.
Can you remove valid debt from my profile?
No. We cannot remove legitimate debt.
However, we can assist with:
Incorrect listings
Paid-up accounts still showing outstanding
Prescribed debt (where applicable)
Outdated or duplicate listings
All actions are done lawfully and in line with credit bureau regulations.