How To Check If Your Name Is Under Debt Review

How To Check If Your Name Is Under Debt Review

Debt review is a process where individuals, who are unable to pay their debts, can seek assistance from a debt counsellor. It is a formal and legal process that is designed to assist individuals with debt, and it helps them to manage their debt more efficiently. If you're not sure whether your name is under debt review or not, you can find out easily. Here are some steps you can follow to check if your name is under debt review.

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Table
  1. Step 1: Check Your Credit Report
    1. Pro Tip
  2. Step 2: Contact Your Debt Counsellor
    1. Pro Tip
  3. Step 3: Check with Your Credit Providers
    1. Pro Tip
  4. Conclusion

Step 1: Check Your Credit Report

The best place to start when checking whether your name is under debt review is with your credit report. You can obtain a free credit report from any of the major credit bureaus in South Africa. Once you have your credit report, look for an entry that reads "under debt review."

Pro Tip

For individuals who aren't familiar with viewing their credit report, consider using a credit report aggregator such as Transunion or Experian. The aggregator will summarize your credit report and highlight any important information, including whether your name is under debt review or not.

Step 2: Contact Your Debt Counsellor

Another way to confirm whether your name is under debt review is to speak with your debt counsellor. Your debt counsellor is responsible for managing your debt review process, and they can confirm whether your name is under review or not. You can contact your debt counsellor via phone, email or by visiting their offices in person.

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Pro Tip

If you don't know the contact details for your debt counsellor, check your initial debt review application form. The details of your debt counsellor will be available there. Alternatively, you can contact the National Credit Regulator (NCR) for assistance.

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Step 3: Check with Your Credit Providers

Your credit providers, such as banks or retail stores, may also be able to tell you if your name is under debt review or not. You can contact your credit providers either by phone or by visiting their branches in person. They will require personal identification documents to verify that you are indeed the account holder.

Pro Tip

When contacting your credit providers, be sure to have your account numbers available. This will help the customer service agents to quickly locate your account and answer your query.

Conclusion

In conclusion, checking whether your name is under debt review is a simple process that requires you to be diligent and organized. By following the steps outlined above, you should be able to confirm whether your name is under debt review or not. Remember, managing your debt is crucial to your financial wellbeing, and you should never be afraid to seek help if you need it.

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