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Sawubona, Member
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My Credit Score
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Active Debt Review
You're under debt review
We're tracking your accounts and your progress. Here's where you stand right now.
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Accounts under review
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Paid up so far
What this means
Your next step
Confirm your monthly payment to your counsellor
Make sure this month's payment to your debt counsellor has gone through.
Z
Ask Zoe about your debt review
She knows your situation and can answer in plain English.
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Your debt under review
Monthly to counsellor
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Outstanding
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Paid up
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Active
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See your full debt summary
Unlock your debt under review, monthly payments, and how much you've cleared so far.
Where you are in the process
Documents you may need
Tick off what you've already gathered.
Flag Removal
You've paid up — let's get the flag removed
Our partner Telepro Consultants assists with chasing settlement letters and the Form 17.W submission process, after your registered debt counsellor has issued your section 71 clearance certificate.
Learn how it works →
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Your credit score
While you're under debt review, your score isn't the main thing to focus on. We'll keep tracking it so you can see how it moves over time.
Zoe's Analysis
Personalised to your bureau data — updated each time you retrieve your score
Start by retrieving your bureau score
Zoe can't give you personalised guidance until she's seen your actual credit profile. Tap "Retrieve My Bureau Score" above — it takes 30 seconds and uses your registered ID number securely.
Zoe · waiting for your report
What Zoe will analyse
Once your report is loaded, Zoe will identify the specific factors dragging your score down, highlight your highest-priority actions, and flag anything that looks incorrect or disputable.
Zoe · personalised to your profile
Your data is protected
Your credit report is retrieved by Abantu Debt Solutions (Pty) Ltd, an authorised user of Datanamix Credit Bureau, using only your ID number. This is a soft enquiry and does not affect your credit score. Your profile data is stored by Thrive SA to power your dashboard and personalised plan, in line with POPIA.
Zoe · POPIA compliant
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Retrieve Your Live Bureau Score
Your registered ID number is used to pull your score directly from the bureau — secure, private, and POPIA-compliant.
Your ID number will be submitted to Abantu Debt Solutions (Pty) Ltd to retrieve your credit report from Datanamix Credit Bureau. This is a one-time enquiry per refresh cycle and does not affect your credit score.
Live Credit Score · Powered by Datanamix
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· ·
support@thrivesa.co.za
© 2026 THRIVE SA (PTY) LTD (Reg. 2025/741148/07) trading as Thrive SA.
This platform provides credit education only. Not financial advice. Where debt counselling is needed, members are referred to NCR-registered partner debt counsellors who deliver the regulated service under their own registration.
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You'll keep your full access until the end of your current paid period. After that, you'll lose access to Zoe, your 90-day plan and the full credit report.
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This is permanent. Your profile, credit reports, plan and all related data will be deleted. We process requests within 14 working days. If you have an active subscription, please cancel that first.
Zoe
AI Credit Coach
Hey! I'm Zoe, your AI credit coach. Ask me anything about your score, disputes, your rights, or how to improve your profile. 🚀
Zoe · now ✓✓
DRCC · Section 71 Clearance Coordination
How the section 71 clearance process works
Three steps, handled by our partner Telepro Consultants on your behalf.
1
Clearance certificate. Your registered debt counsellor issues your section 71 clearance certificate under the NCA, confirming all accounts are paid up. DRCC can liaise with your DC if you need help getting the process moving.
2
Settlement letters. Each creditor confirms the account is settled. DRCC chases this so you don't have to.
3
Bureau submission. Form 17.W is lodged with all registered credit bureaus to update your bureau record after your section 71 clearance certificate is issued.
Chat to DRCC on WhatsApp
DRCC is operated by Telepro Consultants (NCRDC4241). Service fees apply — they'll quote you upfront.
Zoe · First Time
Hi, I'm Zoe.
A quick note before we chat — so you know what I can and can't help with.
I know you're under debt review, so I'll keep things focused on what actually helps you right now.
Things I can help with
  • Explaining debt review steps in plain words
  • What to expect each month
  • Active DR vs paid-up flagged — what each means
  • What to ask your debt counsellor
  • What documents you may need
Things I won't do
  • Tell you to take new credit (you can't legally take any)
  • Pretend I'm your debt counsellor
  • Give you legal advice
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