Inside the ITC Clearance Process

Clearance is not magic; it is method. Clients who see the method upfront trust the journey more and stress less, so here is the Minute Loans process exactly as it runs - four stages, no mysteries.

Stage One: Evidence

Everything rests on your credit reports, and one bureau is never enough - listings hide at bureaus you forgot existed. We pull the full quartet (Experian, TransUnion, Compuscan, XDS) for a non-refundable R500 and lay your complete credit picture on the table.

Stage Two: Diagnosis

Consultants dissect every report line by line, tagging each adverse entry with its removal route. Settled accounts still showing open? Bureau update. Erroneous or prescribed entries? Dispute. Judgements? Rescission via the courts once the debt is resolved. Debt review flags? Their own legal pathway. The tags become the work plan.

Stage Three: Execution

The plan runs - disputes lodged, proofs submitted, applications filed, bureaus chased. This stage rewards persistence and legal precision, which is exactly why DIY attempts stall here. Files where total debt sits under R30 000 typically move quickest through this stretch. Every action stays within the law, which is why the removals stick.

Stage Four: Proof

Bureaus confirm the changes, we verify your updated reports reflect reality, and where applicable you receive a clearance certificate - your fresh start, in writing.

Timelines flex with complexity and we keep you posted throughout. Terms confusing you along the way? The glossary translates. Convinced? Stage One can start today.