A smart way to manage debt before the end of the year – understanding how credit review works
Why financial reset issues before the end of the year
October is the perfect time to take a hard look at your finances before spending many months. Many South Africans go into November and December dependent on debt, only to start the new year behind on payments.
If you are using credit cards, personal loans or buy now pay for the latest services to cover everyday expenses, you are not alone but it is a clear sign that it is time for a financial reset.
Credit review is actually not
Credit review (also known as credit counseling) is a legal process under the National Credit Act It is designed to help deeply indebted South Africans regain financial stability.
Here’s what happens:
• A registered credit counselor reviews your finances and negotiates reductions for all your debts.
• You make one affordable monthly payment, instead of juggling multiple bills.
• You are legally protected from harassment, legal action or property damage as long as you stick to the plans.
It’s not a loan or a quick fix, it’s a structured approach to long-term repayment.
Benefits of credit review simply explained
Credit review gives you:
• Immediate financial relief; Your monthly payments are reduced and consolidated into one manageable amount.
• Peace of mind; You are protected from credit calls and legal pressure.
• a clear path to becoming debt free; Your payment plan is designed to fit your income and living expenses.
• Customized support; Under SA’s leading audit firms, clients receive guidance from a dedicated relationship manager throughout the process.
It’s a solution that combines protection, design and education to give you resilience.
What to look for in a reliable credit union partner
Not all credit counselors are like that. When choosing a provider, make sure it is:
• NCR-registered (check www.ncr.org.za)
• Transparency in fees (no upfront payments before testing)
• Offering a free credit review test so you can understand your options before committing
• Providing ongoing support to a dedicated contact person.
Above the 18 years of experience and a 98% customer success rateDebt relief is also known as SA.1 No.1 credit review companyHelping thousands find the strength of clear, controlled guidance and compassion.
Taking the first step to financial freedom
If you’re feeling overwhelmed or a little stretched, remember help is available. Debt reform is about creating breathing space and rebuilding.
Start by completing a Free Credit Review Check to see what is appropriate. You’ll find an expert guide at:
• How much you can save each month
• How long is your payment plan
• How to Find Real Financial Freedom
Get your free credit review review.
True freedom begins with knowledge
This financial writing month, take the time to understand your options. Whether you’re deep in debt or just trying to stay ahead, you know how credit review services can be the key to turning your financial story around.
Financial aid is about making informed decisions with the right help by your side.
