ITC Clearance

Every declined application has a backstory, and it is usually written at the credit bureaus. Defaults, judgements, old flags - the entries pile up during hard times and keep punishing you long after the hard times end. ITC Clearance is the discipline of removing them, lawfully and permanently, and it is one of the two things Minute Loans does best.

The Anatomy of a Clearance

We start with evidence: your credit reports from the four bureaus that matter - Experian, TransUnion (the company South Africans still call ITC), Compuscan and XDS. Pulling this full set carries a non-refundable R500 fee, and it exposes every adverse entry against your name. From there each listing gets its own treatment: disputes for the erroneous, updates for the settled, legal channels for judgements and debt review flags. The route map lives on our process page; the vocabulary on the terminology page.

Best-Fit Candidates

Clearance delivers its fastest results for consumers whose total unsecured debt sits below R30 000 - and it positively flies where the debts are already paid but the listings never got updated, an infuriatingly common scenario. Completed clearances can culminate in a clearance certificate: documentary proof of your clean status.

What Changes Afterwards

Approved applications instead of automatic declines. Interest rates priced for trust rather than risk. Home loans, vehicle finance and store accounts back on the table. The full effect is unpacked in how clearance helps you - or skip the reading and start your clearance now.