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Understanding Debt Review on Smartcents

Smartcents is the easiest way to keep track of your debt review application progress. By logging on to, you are able to view your account balances, payment history, credit report and your countdown to debt freedom! Smartcents is a revolutionary debt review tracking tool and is one of a kind in the industry. Logging into Smartcents, it is best way for you to stay up to date with your debt review application progress.

How do I use Smartcents?

You need internet access. Go to and use your ID as your username, the once off password Smart01 and you will be able to view all the exciting features below!

Analyse your debt

You can see who you owe money to under your Debt Profile tab.

View your debt review progress

This shows you where you are in the process. You can track your progress using the Timeline tab.

Get free credit reports

You can use the Credit Report tab to request credit reports. Please note that you are allowed two requests per year.

Access your debt review documentation

There is no need to call DebtBusters to request for debt review documentation if you are using Smartcents. Your debt review documentation is found under the Customer Documents tab

Need debt counselling or consolidation?

Explore DebtBusters' solutions for reducing your interest rates and unlocking cash.

Find out more


Get answers to any questions you may have regarding your debt review process. Read the frequently asked questions under the FAQ tab.

View your payments

Under the My Payments tab there is a detailed history of your payments. Both successful and unsuccessful payments to Hyphen PDA will reflect under this tab. You can also view your Hyphen statements online. In the event that you have some extra money or lump sum which you want to use to settle some of your accounts, you can contact us using the Debt Settlement options tab.

View your account balances

You can see the balances on your individual accounts. You can see the outstanding balances on the Account Balances tab.

Credit Life Insurance

Understand what credit life Insurance is and know how it affects your payments. Credit Life is offered to you by Insurance Busters, sister company to DebtBusters.

Smartcents Lucky Draw Competition

Remember to keep using Smartcents to enter the Smartcents Lucky Draw Competition for August. You could stand the chance of winning a R1000 voucher which you can put money towards one of your debt review accounts if you want to. Every day that you login to Smartcents counts as an entry. Good luck!

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5th Floor, 11 Adderley Street,Cape Town, 8001
[email protected]

Operating Hours:

Mon-Thu: 07:00 - 21:00
Fri: 07:00 - 18:00
Sat: 09:00 - 12:30

Call our experts now on 0861 365 910Registered debt counsellor NCRDC2484A member of the National Debt Counsellors Association