A paid-up letter is written confirmation from a creditor that an account is settled in full. It is the single most useful document in credit record clearance — because without it, the bureau has no instruction to update the listing, and a debt you paid months ago keeps dragging your profile down.
Under the NCA regulations, once a settlement is confirmed the bureau must update your record within seven days. The delay is almost always in getting the creditor to issue the letter — which is exactly the persistent, correctly-worded follow-up we do for you.
For anyone who has paid or settled an account — whether recently or long ago — that still shows as outstanding, or where the creditor has closed, moved or gone quiet and you cannot get confirmation on your own.
Want the background? Read our guide: How to Remove Your Name From the Blacklist.
New to this topic? Start with our guide: What is a blacklist?
For official information you can rely on, these are the South African regulator and the registered credit bureaus:
Send us your details and we’ll tell you honestly what can be actioned. No cost, no obligation.
Email usCleanCredit, 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.
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