How to Get an ITC Clearance Certificate

Talk is cheap; certificates are not. When a landlord, lender or employer questions your credit history, "I sorted all that out" carries no weight - an ITC Clearance Certificate does. Here is the realistic path to holding one.

First, Face the Reports

The certificate confirms a clean record, so step one is discovering exactly how un-clean the record currently is. We pull your reports from Experian, TransUnion, Compuscan and XDS (non-refundable R500 for the set) and inventory every obstacle between you and certification.

Second, Settle the Balances

Certification requires your unsecured debts paid up - no way around it. Where settling everything at once is unrealistic, we help you sequence it; consumers under the R30 000 total-debt mark travel this stretch fastest. What you legitimately owe must be paid; what you do not owe is the next step's business.

Third, Kill the Zombie Listings

The industry's dirty secret: paying a debt does not delete its listing. Settled defaults and judgements shamble on across reports for years unless actively removed - which is our removal work, executed through the channels mapped in the process guide.

Fourth, Claim the Paper

Bureaus updated, status verified, certificate issued. Keep it with your important documents and produce it whenever your history gets questioned. Consumers exiting formal debt review follow a parallel route via the debt review clearance certificate.

Four steps, one managed service: apply online and Minute Loans drives all of them.