I have settled my 3 debts and never received any letter . now my debts are still on my credit listing on Trans union
Thank you for your question.
The latest amendments to the National Credit Act include changes to the retention periods of credit information. The retention period for default listings has now been reduced to 12 months. In the same way, retention periods concerning administration and sequestration orders have been reduced to 5 years.
If you have reached your retention period and the information is still listed I would suggest you firstly dispute your credit listing with TransUnion. Here is a link to TransUnion’s page explaining the dispute process. If you have a complaint about a specific credit provider you can lodge a complaint with the Credit Ombud. Here is a link to their page explaining the complaint procedure.
Hope this information was helpful.