How to Clear Default Listing

Clearance of Default

A default listing is placed on your credit  records by a provider when you have missed payments, however in terms of section 72 of the NCA, the credit provider must give you a 20 days written notification of their intention to list you on the credit bureau before they list a default on your credit record.

Where a credit provider did not give such notification, the default can be disputed with the credit bureau and should be temporarily removed while the bureau is investigating.
After 20 days, when the credit provider cannot supply credible evidence of notification, the default shall be permanently removed.