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Status check
Find out whether you are actually listed under debt review.
Half the people who ask us are not sure — and one in four of those who are sure have it wrong. The register knows. It takes a few minutes and it costs nothing.
Most people genuinely do not know
This is not carelessness. A debt review flag can be lodged after one phone call with a company you never signed anything with. It can survive years after you settled everything, because clearing the debts and closing the review are two separate events. And it turns up when you are declined for something and nobody tells you why.
Our own research puts numbers on it: of 786 applicants asked before their register check, 403 — 51.3% — said they were not sure. Of the people confident enough to state a belief, 24.5% had it wrong.
Check if any of these happened
- You were declined for credit and nobody explained why
- You spoke to a 'debt help' company on the phone years ago
- You started debt review and then stopped paying
- You settled everything but something still shows
- A bank told you that you are 'under review'
Any one of them is a reason to check.
How the check runs
The register is searched on your identity number, which is why this does not happen on a web page. It runs inside the assessment, where the data is handled under POPIA.
- 1
Start the assessment
Free, on chat. You will be asked for your identity number, which is what the register is searched on.
- 2
We search the register
The NCR's debt review register is checked against your ID, not against your memory of what happened.
- 3
You get the actual status
The code on the register, what it means, and which debt counsellor is listed against it.
- 4
Then you decide
Listed and want out? There is a route. Not listed and struggling? That is a different conversation.
45+ years of combined NCR-registered debt counselling experience
Three NCR-registered counsellors across DS4U and our partner practice, Debt Free with Armani — all verifiable.
What the codes mean
The register answers with a letter. This is what each one means, and whether it leaves you bound by the review.
| Code | What it means | Still under review? |
|---|---|---|
| A | You have applied for debt counselling and your application is being assessed. | Yes |
| B | The assessment resulted in a rejection, usually because you were not found to be over-indebted. | No |
| C | The assessment concluded that you are over-indebted. | Yes |
| D3 | Formal debt restructuring through the courts has commenced. | Yes |
| D4 | Formal restructuring is complete and a court order has been granted. | Yes |
| F1 | All restructured debts are settled except a mortgage that meets the section 71 requirements, including not being in arrears. | No — cleared |
| F2 | All restructured debts have been settled. | No — cleared |
| G | A magistrate rescinded the debt review court order, or you opposed the application and were declared not over-indebted. | No |
| G1 | A magistrate rejected the debt review application because you were not over-indebted. | No |
| I | The consumer is deceased. | No — terminal |
| J | The consumer has been sequestrated. | No — terminal |
Two codes you may still see
A1Voluntary withdrawal before being declared over-indebted. Disabled — NCR Circular 02 of 2022 records this code as no longer applicable.
HHistorical debt counsellor withdrawal outcome. Inactive: a suspension of services no longer moves you to H — you stay on whichever status already applied.
A suspension of services (Form 17.W) is not a status code. It is recorded as a suspension indicator alongside whichever status already applies — it does not end your debt review.
Nobody legitimate charges you to check
And nobody legitimate promises to make a listing disappear. Those two sentences will save you more money than anything else on this page. Verify any company against the NCR register of registrants before you send them your identity number or a cent.
How to spot a debt review scam →Common questions
Why can't I just check it myself?
You can ask the NCR directly. The reason people come here instead is that the register returns a code, not an explanation, and the code alone does not tell you whether you are still bound, who lodged it, or what to do next.
Does checking affect my credit score?
No. This is a register lookup, not a credit application. Nothing about it is recorded as an enquiry against your score.
Should it cost anything?
No — and this is the scam to watch for. Nobody legitimate charges you to find out your status, and nobody legitimate promises to make a listing disappear for a fee. Verify any company on the NCR register of registrants before you send them anything.
What happens to my ID number?
It is handled under POPIA and used to run your check and prepare your report. Aggregate, anonymised figures feed our monthly index; your name and identity number never appear in anything we publish.
I paid everything off years ago. Why am I still listed?
Settling the debts and closing the review are two different events. Until a clearance certificate is issued and the bureaux are updated, the flag stays. It is common, and it is fixable.
Check, and then you know
It is free, it does not touch your credit score, and it replaces years of not being sure with one line from the register.
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