Welcome to Legacy Debt Solutions.

We specialise in assisting South Africans with debt review removal and ITC / credit profile clearance, with the aim of helping you restore your creditworthiness and move forward financially with confidence.

Important Notice: NCR Debt Help System

Please note that the National Credit Regulator (NCR) Debt Help System is currently offline as of the 2nd of February 2026. As a result, we are temporarily unable to immediately confirm whether you are listed under debt review.

Once the system is operational again, we will assess your status accordingly.

If You Are on Debt Review

Should it be confirmed that you are under debt review, we will assist with the removal of the debt review flag, subject to your specific status and compliance requirements. This may include:

  • Proof that all applicable accounts have been paid up, or
  • Confirmation that you are no longer eligible to remain under debt review

Please be aware that additional costs MAY APPLY, such as:

  • Outstanding fees owed to a previous debt counsellor
  • Legal or attorney-related fees required for removal

If your status reflects D4, the debt review flag can only be removed once all accounts have been settled, excluding a home loan where applicable, provided you are not currently paying through a debt counsellor.
If these conditions cannot be met, we will instead offer you ITC Clearance Services.

Please note that once your final payment has been made, the debt review removal process typically takes between 4 and 12 weeks depending on court availability within your jurisdiction, as well as processing times at the National Credit Regulator (NCR) and your creditors.


If You Are Not on Debt Review

If you are not listed under debt review, we will proceed with our ITC Clearance Services, which include:

  • A negative listing assessment
  • A comprehensive 4-in-1 credit check across all major credit bureaus:
    • Experian
    • XDS
    • VeriCred
    • TransUnion

Where permitted by law and supported by the necessary documentation, we can assist with the investigation, correction, or removal of certain listings, including:

  • Potentially prescribed debts
  • Credit enquiries older than 12 months
  • Paid-up or expired judgments
  • Paid-up administration orders
  • Incorrect balances, amounts, or inaccurate information reflected on your credit profile

Please note that once your final payment has been made, the ITC Clearance process typically takes between 4 and 12 weeks depending on your creditors and the relevant Credit Bureaus.

All actions are undertaken in accordance with applicable legislation, credit bureau rules, and prescribed timelines.

You have a 5-business-day cooling-off period. Cancellation after this incurs a non-refundable admin and application fee of R1750.00. Written notice to cancel debit orders must be sent to clientservices@legacydebtsolutions.co.za at least 10 working days before your debit date.

Our Commitment

Our role is to guide you transparently through the process, keep you informed at every stage, and ensure that all services rendered are compliant, ethical, and in your best interest.

Should you have any questions or require clarification, our team is always available to assist.

We look forward to helping you on your journey toward a healthier credit profile.

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