Credit Bureau Dispute Assistance

You have the right under the National Credit Act to dispute information on your credit report that is incorrect, outdated, prescribed or fraudulent. The bureau must then investigate and respond within 20 business days. The trick is lodging a clean, well-evidenced dispute at every bureau the listing appears on, and following up properly.

That is what we do. We identify which listings are genuinely disputable, gather the proof, lodge with each relevant bureau, and escalate to the Ombud or the NCR where a valid dispute is wrongly rejected.

What credit bureau dispute assistance includes

How it works

1. Free review of your credit reports to flag disputable listings.
2. We prepare the dispute and evidence for each bureau.
3. We lodge and track each dispute to the deadline.
4. We confirm the outcome and escalate if a valid dispute is rejected.

Who it’s for

For anyone who has spotted an account that is not theirs, a debt already paid but still showing, a duplicate entry, an incorrect balance, or a listing kept past its retention period. Disputes are for information that is wrong — not a way to remove a valid, current debt.

Want the background? Read our guide: Credit Bureau Disputes: How to Challenge a Listing.

New to this topic? Start with our guide: Who is the credit bureau?

Official resources

For official information you can rely on, these are the South African regulator and the registered credit bureaus:

• National Credit Regulator (NCR)
• TransUnion
• Experian
• XDS

Frequently asked questions

CleanCredit, a division of The Debt Company, assists with qualifying credit record matters in line with the National Credit Act. We do not provide loans or debt consolidation and cannot remove accurate, valid or current debt. No outcome is guaranteed; results depend on your circumstances.