This general information does not replace an assessment of your circumstances or legal advice.
Clearance follows requirements
A clearance certificate is issued only when the applicable legal and account requirements have been satisfied. It is not automatic after a certain number of months.
Keep your records
Paid-up letters, statements and payment histories help resolve discrepancies. Request confirmation when an account is settled.
After clearance
Relevant records must be updated through the prescribed process. Keep the certificate and verify your credit information after reasonable processing time.
What to do next
If debt repayments no longer fit after reasonable household expenses, gather accurate statements and request a confidential assessment. Asking for information does not automatically place you under debt review.
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