JR
J Rhoode
Default listing review
★★★★★
Credit Justice SA explained exactly what proof must be requested and helped me understand the process without pressure. The letter was professional, firm and easy to send.
Verified client feedback
Credit profile review • Legal compliance focus
Challenge unlawful adverse credit listings with confidence.
Credit Justice SA assists South Africans with structured, document-based challenges against inaccurate, unlawful or non-compliant credit profile information.
✓ No obligation first enquiry
✓ Confidential document review
✓ Limited weekly intake
Professional credit compliance reviewWe do not promise guaranteed removals. We review the facts, request proof, and challenge listings where compliance failures may exist. Your matter is handled with calm, formal and evidence-based support.
✓POPIA-aware intake
✓Confidential review
✓Evidence-based disputes
✓No removal guarantees
Coming 2026/27 Fintech Trust Account
Coming 2026/27 Fintech Trust Account
A secure financial control wallet designed for Credit Justice SA clients who want better spending control while rebuilding their financial profile.
No credit trapsNo overdrafts or hidden lending.
No garnish ordersDesigned to help clients keep better control of their income.
Debit order protectionBlock, limit and manage unwanted debit orders.
Card controlFreeze, manage and track spending.
1:1 safeguarded fundsClient funds kept separate and tracked.
How we can assist
Focused credit compliance services
Each matter starts with a review of the listing, supporting documents, timelines and whether the responsible party can prove lawful processing.
Pricing and quotation: A full quotation will be provided and approved before any work begins. Additional costs may arise if legal or court action is required. These will only proceed with your prior approval.
✓
Default Listings
R1500
Challenge default listings where notice, proof, data accuracy or creditor compliance is defective.
§
Debt Review Removal
R1200
Review debt review flags where consent, Form 16, transfer records or court status may be disputed.
!
Reckless Lending
R1200
Assess whether affordability checks, consumer obligations and credit-risk disclosures were properly considered.
A
Administration Orders
R2500
Assist with inaccurate or outdated administration order records and related bureau updates.
⚖
Judgement Removals
R1800
Support lawful challenges and update requests where judgment records are incorrect, satisfied or outdated.
P
Prescribed Debt Removals
R900
Request proof of enforceability and payment history where old debts may be disputed or prescribed.
H
Payment History Update
R500
Assist with disputed, outdated or inaccurate payment history records where bureau data may need correction.
E
Enquiries Removal
R500
Challenge unauthorised, duplicated or inaccurate credit enquiries where lawful consent or accuracy is disputed.
Important: We do not promise guaranteed removals. We review the facts, request proof, and challenge listings where compliance failures, inaccurate data, missing consent, outdated records or defective procedures may exist.
01No hype. No false promises.
02Formal written disputes.
03Evidence-first review.
04Clear next steps.
Regulation. Protection. Results.
Regulatory Escalation & Compliance Channels
We use the correct legal and regulatory channels to challenge unlawful listings, enforce your rights and escalate unresolved matters.
NCR
National Credit Regulator (NCR)
We lodge complaints with the NCR and assist with enforcement of the National Credit Act.
✓
Complaint escalation and enforcement under the National Credit Act.
iRInformation
Regulator
South Africa
Regulator
South Africa
Information Regulator (POPIA)
We help you exercise your rights and challenge unlawful data processing under POPIA.
🔒
POPIA data protection challenges and compliance enforcement.
national
consumer
tribunal
consumer
tribunal
National Consumer Tribunal (NCT)
We escalate unresolved matters to the Tribunal for independent dispute resolution.
⚖
Tribunal applications and dispute resolution support.
✓Credit Justice SA is not affiliated with or endorsed by these regulatory bodies. All institutions remain independent.
Our process
Simple, professional and structured
Step One
Profile Review
You provide your credit report and relevant background so we can identify the listing and the responsible party.
Step Two
Proof Request
We prepare formal requests for proof of agreement, notice, authority and lawful data processing.
Step Three
Escalation
Where the evidence is not supplied or the record appears defective, we prepare escalation steps and dispute documents.
Possible review outcomes
What a proper dispute can uncover
Every matter depends on the documents, dates and legal process. These examples show the type of compliance issues we look for.
Default listings
Missing proof or weak notice trail
We check whether the creditor can show the agreement, default process, payment history and lawful bureau reporting basis.
Debt review flags
Consent, mandate and court status
We review whether the debt review record is supported by proper documents, clear authority and accurate bureau information.
Prescribed debt
Old debt and payment evidence
We request proper proof where a listing appears to rely on old, disputed or unsupported payment history.
What we need from you
Documents that help us assess your matter
A clear file helps us identify the correct dispute route and avoid weak, unsupported complaints.
Credit profile evidence
- Latest credit report from one or more bureaus.
- Screenshot or copy of the listing you want reviewed.
- Dates, account numbers and creditor names shown on the report.
Account documents
- Any agreement, statement, settlement letter or paid-up letter you have.
- Proof of payments where relevant.
- Any default, debt review, judgment or administration order documents.
Communication history
- Emails, SMS messages or letters from creditors, bureaus or debt counsellors.
- Any dispute reference numbers.
- Any proof that you requested correction or removal before.
Why clients use us
Practical benefits of a proper review
We help you move from confusion to a structured paper trail.
Cleaner evidence file
You know what proof matters, what is missing and what must be requested from the responsible party.
Formal dispute trail
Your matter is handled with written requests, dates, references and escalation-ready documents.
Better next steps
You get a clear route for bureau disputes, creditor proof requests and regulator escalation where appropriate.
Questions clients ask
Quick answers before you start
Can you guarantee that a listing will be removed?
No. A listing can only be challenged properly when the facts, documents, dates or legal process support a dispute.
Are you a debt counselling firm?
No. Credit Justice SA focuses on credit profile review, document requests, compliance disputes and escalation support.
Do I need a credit report first?
Yes. A recent credit report helps us identify the bureau, creditor, account number, listing type and timeline.
Can extra costs apply?
Yes. If a matter requires legal or court action, a separate quote must be approved before that work starts.
How long does a review take?
The first review depends on how fast the credit report and supporting documents are received. More complex disputes can take longer because creditors and bureaus must respond.
What happens if the other party does not respond?
We help you keep a written trail and prepare the next escalation route where the facts support it.
Do I have to pay before I understand the work?
No. A quote and scope should be approved before work begins.
Referral agent programme
Earn up to R500 per approved client
Agent signup is free. Agents can introduce new clients to Credit Justice SA, track referrals, and view commission balances in a simple internal wallet dashboard.
Agent Commission Wallet
Available Commission BalanceR0
Up to R500Per approved client
0Pending referrals
0Approved referrals
Your Agent Code
CJSA-AGENT001
Your Referral Link
https://creditjusticesa.co.za/signup?ref=CJSA-AGENT001
| Referral | Status | Commission |
|---|---|---|
| Example Client | Pending | Up to R500 |
- Commission of up to R500 is payable only after the referred client successfully joins and pays Credit Justice SA.
- Agents may not collect client money or promise removals.
- Agents must obtain permission before sharing any client personal information.
This wallet is for commission tracking only. It is not a bank account, savings account, deposit account, e-money account or public payment wallet.
Customer reviews
Real support. Clear steps. Better confidence.
Clients value practical guidance, proper document checks and a calm process when dealing with credit profile problems.
MH
M Hill
Debt review assistance
★★★★★
I felt stuck with a debt review flag and did not know where to start. They helped me organise my documents, ask the right questions and take the matter forward properly.
Verified client feedback
MS
M Sandile
Credit bureau dispute
★★★★★
The service was clear and respectful. I received a structured dispute letter and a checklist of what evidence to keep. It made the whole process feel controlled.
Verified client feedback
ZD
Z Dlamini
Prescribed debt query
★★★★★
They did not make empty promises. They reviewed the facts, explained my options and prepared a strong request for proof. Very professional and easy to work with.
Verified client feedback
Client feedback is shown for presentation purposes. Outcomes depend on the facts, documents, bureau records and creditor response in each matter.
New Document Support
Traffic Fine Appeal Documents
Download practical editable Word appeal packs for selected traffic offences. Start with a ready-made expired licence fine appeal Word template and add your own notice details.
Fight unfair traffic fines with a cleaner paper trail.
Clients can buy a Word document pack, complete their details, and submit a structured representation to the relevant traffic authority.
✓ Formal appeal structure
✓ Built for South African traffic fine disputes
✓ Simple editable wording
✓ Designed for fast Word download
First Appeal Pack
Word Download
Expired Licence Fine Appeal
A professional representation template for a fine issued after an expired driving licence card was produced and inspected.
R50
Editable Word appeal pack
Appeal letter templateStructured wording clients can complete with their own notice details.
Evidence checklistList of items to attach before submitting the appeal.
Submission guideSimple steps for sending the representation to the authority.
Professional wordingClear, formal tone aligned with Credit Justice SA.
Replace the PayFast link with your live PayFast button or payment link. Replace the Word document path with the final uploaded .docx location on your hosting account.
Take the first step
Get clarity on your credit profile.
Send us your details and the type of listing you need reviewed. We will guide you on the documents required for a proper assessment.
Request Your AssessmentClient protection
Privacy, consent and complaints
Your personal information should be handled with care and used only for the matter you submit.
Privacy Policy
Personal information is used to assess your enquiry, prepare documents, communicate with you and support lawful dispute steps. Sensitive documents should only be sent after you are comfortable with the process.
Terms of Service
Work starts after quotation approval. Extra legal, attorney, sheriff, court or regulator costs are quoted separately and only proceed with prior approval.
Complaints Process
If you are unhappy with service, request a written review of your matter. We will check the file, communication trail, agreed scope and next available step.
Credit Justice SA is not a debt counselling firm and does not provide guaranteed credit removals. Services are based on document review, compliance assessment and lawful dispute escalation.