Section 71 National Credit Act
What Is a Debt Review Clearance Certificate (Form 19)?
A Form 19 Clearance Certificate is an official statutory document issued by an NCR-registered debt counsellor under Section 71 of South Africa's National Credit Act. It certifies that a consumer has settled all restructured credit agreements (or all unsecured debts with an up-to-date mortgage bond). By law, credit bureaux must purge the debt review listing and all adverse debt records within 21 business days.
By Carolina Guevara Harris (NCRDC3152)•Over 1,000 Clearances Issued Since 2015
How Debt Review Ends and Your Credit Record Is Cleared
The ultimate goal of entering debt review is achieving full financial freedom and obtaining your clearance certificate. Debt Guidance has successfully guided more than 1,000 South African consumers through this exact completion process.
1. Final Paid-Up Letters Audit
As each restructured account is settled via the PDA, paid-up letters are collected from credit providers.
2. Form 19 Issued by Registered Counsellor
Carolina Guevara Harris (NCRDC3152) signs and issues the statutory Form 19 Certificate.
3. 21-Day Bureau Purge
TransUnion, Experian, XDS, and VeriCred remove the debt review indicator and expunge historical default markers.
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Aim for Your Clearance
Start your structured journey toward a Form 19 Clearance Certificate