A clearance certificate is one of the most important milestones in debt review.
It officially confirms that you have completed the process.
What is a clearance certificate?
A clearance certificate (Form 19) is issued by a registered debt counsellor when:
- All short-term debts are paid in full
- Secured debts are up to date
- The repayment plan has been successfully completed
It is the formal proof that debt review is finished.
What happens after it is issued?
Once issued:
- Credit bureaus are notified
- The debt review listing is removed
- You regain the ability to apply for credit
Your credit score will still depend on your payment history.
Why it matters
Without a clearance certificate:
- Your debt review status remains active
- Credit applications will be declined
- Your profile stays flagged
It is the document that officially restores your financial standing.
How long does removal take?
After issuance, credit bureaus usually update records within several business days, although timeframes can vary.
Final thoughts
A clearance certificate represents financial discipline and recovery. It is proof that you completed your obligations responsibly.
If you are nearing completion or need help understanding your progress, you can request support at: