What Is a Clearance Certificate?

Escaping debt is a genuine achievement - but in the credit world, achievements need paperwork. A clearance certificate is the official document confirming that the unsecured debt in your name has been fully paid and your credit status updated accordingly. Think of it as your financial rehabilitation, certified.

Why the Document Matters

Old financial wounds have a way of showing up at the worst moments. Years after you have repaid everything, a lingering judgement or default can still torpedo a home loan or vehicle finance application. A clearance certificate cuts through that history: it tells any lender, landlord or institution that whatever happened before, your slate is now clean. It pairs naturally with an updated credit report reflecting your true status.

Who Should Get One

If you have battled debt in the past - whether or not you were formally blacklisted - and have since paid up, you are exactly the person this document serves. It is especially valuable for consumers whose total unsecured debt was under R30 000, where our comprehensive ITC Clearance service delivers both the updated report and the certificate at the end of the process.

Certificates After Debt Review or Counselling

Consumers completing formal debt restructuring receive their own versions of this document, with specific legal requirements attached. We cover those separately on our debt review clearance certificate and debt counselling clearance certificate pages.

Getting Yours

The route runs through settling your debts and clearing the residual listings - defaults and judgements that outstayed their welcome. Our team handles the heavy lifting: report collection from all four major bureaus, systematic listing removal, and final certification. Take back control - apply online today.