Credit Record Clearance & Blacklist Removal

Credit record clearance is our core service. If you have been declined for a home loan, vehicle finance, a rental or a contract because you are “blacklisted”, it usually means adverse information is sitting on your credit record at the bureaus. We review exactly what is listed, tell you honestly what can be actioned, and then handle the disputes and updates on your behalf — across every bureau.

We are not a lender and we do not consolidate debt. We also never remove accurate, valid or current debt. What we do is make sure your record reflects the truth: paid-up, settled, prescribed, outdated and incorrect listings dealt with properly.

What credit record clearance & blacklist removal includes

How it works

1. Send us your details for a free, no-obligation assessment.
2. We pull and read your credit reports across the bureaus.
3. We action every qualifying listing — disputes, paid-up updates, corrections.
4. We follow up and confirm the outcome with you.

Who it’s for

This service is for South Africans whose records carry adverse listings that should no longer be there — accounts paid but still showing as unpaid, debt that has prescribed, duplicate or incorrect entries, or listings kept beyond their legal retention period. If you are not sure what applies to you, the free assessment will tell you.

Want the background? Read our guide: Credit Record Clearance Explained.

New to this topic? Start with our guide: What is a blacklist?

Official resources

For official information you can rely on, these are the South African regulator and the registered credit bureaus:

• National Credit Regulator (NCR)
• TransUnion
• Experian
• XDS

Frequently asked questions

CleanCredit, a division of The Debt Company, assists with qualifying credit record matters in line with the National Credit Act. We do not provide loans or debt consolidation and cannot remove accurate, valid or current debt. No outcome is guaranteed; results depend on your circumstances.