What Is a Clearance Certificate?

Reputations are slow to repair, and financial reputations slowest of all. You can settle every cent you ever owed and still be treated like a risk, because the system remembers the struggle better than the recovery. The clearance certificate exists to force the update: official confirmation that your unsecured debts are paid and your status current.

Paper Beats Promises

Consider where your credit history gets interrogated: bond applications, vehicle finance, rental screenings, account openings, some employment checks. In every one, a lingering default or judgement speaks against you - and your side of the story goes unheard. The certificate is your side of the story, in a format institutions actually accept, ideally paired with an updated credit report saying the same thing.

Who It Serves

Anyone who battled debt, beat it, and is tired of being punished for a war they already won. It carries particular value for consumers whose unsecured debt totalled under R30 000, where our ITC Clearance service wraps settlement verification, listing removal and certification into one engagement.

The Formal Cousins

Consumers exiting statutory processes receive specialised versions with their own legal requirements - covered separately under debt review clearance certificates and debt counselling clearance certificates.

Claiming Yours

Settle what is owed, strike what should be gone, certify what remains: clean status. The middle step defeats most DIY attempts, which is where we earn our keep. Apply online and let your recovery finally go on record.