We audit every old account on your credit profile and lodge formal challenges against the ones that have legally prescribed. If the creditor can't prove it's still enforceable, it comes off — no repayment, no debt review.
The Honest Truth
Section 11(d) of the Prescription Act says most unsecured debts prescribe — legally die — after three years if the creditor has not taken correct legal steps. Yet thousands of prescribed debts are still being collected on every day.
How it works
One specialist handles your file from assessment to removal — no rotating call centre.
A handful of questions tells us — and you — whether any of your accounts are likely to have prescribed.
We pull your report and check every listed account against the three-year rule, acknowledgement records and collector documentation.
For every account that fails the legal tests, a written challenge is sent to the credit bureau and alleged creditor.
If they can't prove the debt is still alive, the bureau is obliged to remove the listing — usually within 20 business days.
You walk away with a lighter credit profile, no further collection contact, and a clear written record of what was done.
Client outcomes
"Seven old listings — two cellphone contracts, a gym membership, three store cards and a Wesbank account from 2015. Every single one removed within 23 days. I cried when I saw my clean report."
More client voices
"Three store accounts and a personal loan from 2017 — all prescribed, all gone in under a month."
"Six years of phone calls about an old African Bank loan. One letter from NDA and they stopped."
"Five old retail accounts between me and my husband. Our home loan went through second try."
"Two other firms tried to make me settle. NDA was the first to actually check prescription dates."
"A 2014 personal loan I thought I was stuck with — prescribed years ago, removed in three weeks."
"I'd stopped opening collection letters. They audited everything and four listings came off."
"Straightforward and they did what they promised. My credit score jumped 138 points."
"Truworths, Edgars, Mr Price and an old Capitec loan — all prescribed, all removed. Never paid a cent."
"Three store accounts and a personal loan from 2017 — all prescribed, all gone in under a month."
"Six years of phone calls about an old African Bank loan. One letter from NDA and they stopped."
"Five old retail accounts between me and my husband. Our home loan went through second try."
"Two other firms tried to make me settle. NDA was the first to actually check prescription dates."
"A 2014 personal loan I thought I was stuck with — prescribed years ago, removed in three weeks."
"I'd stopped opening collection letters. They audited everything and four listings came off."
"Straightforward and they did what they promised. My credit score jumped 138 points."
"Truworths, Edgars, Mr Price and an old Capitec loan — all prescribed, all removed. Never paid a cent."
You're in the right place if…
The single biggest qualifier — most unsecured debts prescribe after three years.
One prescribed entry can stop a home loan. Remove it and the block lifts.
Collectors often have no proof. A formal challenge forces them to leave you alone.
If neither happened, the account almost certainly qualifies for removal.
Nothing is lodged before every listed account is checked. If it doesn't qualify, you'll be told on day one.
From assessment to bureau removal you deal with one specialist — not a rotating call centre.
If old-debt removal isn't the right tool, we'll say so up front and point you to what might actually help.
A small payment or signed arrangement on an old account interrupts prescription and restarts the three-year clock. Collection agencies are trained to extract that acknowledgement before mentioning a settlement amount.
Act before you sign or pay anything — the audit is free and takes a minute.
FAQ
Free · No credit check · 60 seconds
Just find out which of your old accounts can be legally removed. One free assessment — no documents, no bureau check, no obligation to proceed.
Start my free assessment