Bureau & Credit Fix

04/09/2026

At your service

30/06/2026

DIRECTIONS:

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28/05/2026

Can i prove if i was granted credit recklessly?

Yes. A reckless credit agreement can be proven with documents showing that, at the time the credit was granted, the lender did not take the required reasonable steps to assess affordability and understanding, or went ahead despite information showing the consumer would likely become over-indebted. The National Credit Act requires the provider to assess the consumer’s understanding, repayment history, and existing financial means/prospects/obligations before granting credit.

The strongest proof usually includes the credit application, pre-agreement quotation, affordability form, payslips, bank statements, credit bureau report, expense list, and any emails/SMS/WhatsApps showing the lender skipped checks, inflated income, ignored debts, or approved the loan too quickly. The regulations specifically require practicable steps to validate income using recent payslips or bank statements, and to take account of debts and necessary expenses.

A lender can defeat a reckless-credit claim if it proves the consumer did not fully and truthfully answer the questions in the affordability assessment and that this materially affected the assessment.

If a court finds reckless credit, it may set aside part or all of the consumer’s obligations, suspend the agreement, and in some cases restructure the debt.

A practical rule: if the lender cannot produce proper affordability records, and your own documents show you could not realistically afford the instalments, that is often the start of a strong reckless-credit case.

28/05/2026

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Wrongfully placed Under Debt Review?

If you were placed under debt review without your knowledge, consent, or proper basis, the NCR says that is prohibited conduct. Debt counselling is meant to be a voluntary debt-relief process for over-indebted consumers, and consumers should not be pressured into it.

First, get the paperwork: ask for your Form 16, any Form 17.1/17.2, and proof of when the application was received. Under the NCA, once a consumer applies in the prescribed manner, the debt counsellor must give proof of receipt and notify credit providers and credit bureaus. The NCR’s 2022 withdrawal guidance also says a consumer is treated as under debt review once the application is properly made, and cannot simply withdraw before Form 17.2

Then challenge it in writing. If you were not over-indebted, the NCA says the debt counsellor must reject the application, even if a credit agreement may appear reckless. If the counsellor or bureau has put the debt-review flag on your profile incorrectly, you have the right to challenge inaccurate credit information; the bureau must investigate, and if it cannot support the entry with credible evidence, remove or correct it.

If they do not fix it, lodge a complaint with the NCR. The NCR allows complaints about debt counsellors, credit providers, credit bureaus, and payment distribution agents, and its credit-information guideline says unresolved disputes can be escalated to the NCR on Form 29.

02/05/2026

It MAY be your month...

MAY PROMO SPECIAL... Reach out.
# Debt Review Removal from as little as R3500...

What are YOU 🫵 STILL waiting for?

15/03/2026

15 Days of REMOVE-ALL Promo Special....

Are you Blacklisted?

Quickly run as fast as possible to our office, we're extremely ready to make sure that within this 15 days of Remove all Promo Special your name is also counted amongst those that are Cleaned and Dusted...

Where are you? We're waiting for you...

Call 071 446 2243 or WhatsApp 067 479 5415 Alternatively visit our Office at Matanzhe Building opposite SARS Thohoyandou

23/02/2026

Everytime when you try to apply for a new Credit and your Debt Review flag says "Not now my brother come back here, you belong to me"

Call us now, let us remove you from Debt Review... CALL US NOW : 071 446 2243 OR WHATSAPP 067 479 5415

03/02/2026

BUREAUS AND CREDIT FIX EXPERTS

Specialist: Credit Law & Credit Rights

Don't STUCK, buy your dream Car or House today...

Are you Blacklisted?
Or you are Under Debt Review?

You're unable to get New Credit?
Do you have Old Accounts that are affecting your credit profile? Do you have Debt Review flag on your Credit Profile?

If YES, don't worry we're here for you.

Let us Prescribe and Remove old Accounts from your credit profile in just 7 days of waiting. If you are Under Debt Review we are here to help you rescind the Debt Review Court Order on your behalf.

Visit us now @ Matanzhe Building Office No.05 opposit SARS, next to MAMI Group Offices Thohoyandou, 0950

Alternatively

Call us on 012 883 8829 / 071 446 2243 or WhatsApp us: 067 479 5415

20/01/2026

Do you know of someone, who is under Debt Review?

If Yes, make a Call...

19/01/2026

BUREAUS AND CREDIT FIX EXPERTS

Specialist: Credit Law & Credit Rights

Don't STUCK, buy your dream Car or House today...

Are you Blacklisted?
Or you are Under Debt Review?

You're unable to get New Credit?
Do you have Old Accounts that are affecting your credit profile? Do you have Debt Review flag on your Credit Profile?

If YES, don't worry we're here for you.

Let us Prescribe and Remove old Accounts from your credit profile in just 7 days of waiting. If you are Under Debt Review we are here to help you rescind the Debt Review Court Order on your behalf.

Visit us now @ Matanzhe Building Office No.05 opposit SARS, next to MAMI Group Offices Thohoyandou, 0950

Alternatively

Call us on 012 883 8829 / 071 446 2243 or WhatsApp us: 067 479 5415

Opposite SARS Thohoyandou
Mon-Fri
08H00-17H00

Saturdays: Only attending appointments
08H00-12H00

Appointment bookings: Call 071 446 2243 or WhatsApp 067 479 5415 Tel: 012 880 5669