How to Get an ITC Clearance Certificate

An ITC Clearance Certificate is more than a piece of paper - it is portable proof that your credit record has been cleaned up and your unsecured debts settled. Landlords, lenders and even employers accept it as evidence that your financial house is in order. Here is how you actually get one.

Start With the Facts: Your Credit Reports

You cannot clear what you cannot see. The process begins with obtaining your credit reports from Experian, TransUnion, Compuscan and XDS - we handle this for a non-refundable fee of R500. The reports reveal every listing standing between you and your certificate.

Settle What Is Owed

A clearance certificate confirms that your unsecured debts are paid up, so outstanding balances must be resolved first. If settling everything at once is not realistic, speak to us anyway - consumers with total debt under R30 000 have the most straightforward path, and our team can help you prioritise.

Remove the Leftover Listings

Here is the trap most people fall into: paying a debt does not automatically erase its listing. Defaults and judgements routinely linger after settlement, which is where our ITC removal work comes in - correcting, updating and striking entries through the proper legal and bureau channels, as laid out in our step-by-step process guide.

Receive and Use Your Certificate

Once the bureaus reflect your clean status, your certificate can be issued. Keep it safe and present it whenever your credit history comes under scrutiny - it turns "trust me" into "see for yourself". Consumers exiting debt review follow a related route described on our debt review clearance certificate page.

Want professionals to drive the whole journey? Apply online and Quick Advance will take it from here.