Clear your credit record and improve your credit score!
Rise above, break free from debts.
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Proficient Credit Clearance is here to assist in any of your credit bureau listings
Help & Support
We analyse your credit report in detail—judgments, defaults, prescribed accounts, debt review, and more. Whether listed unfairly or already paid, we have proven processes to remove these listings and boost your credit score, helping you regain financial freedom.
Once your credit is restored, Our Legal Team will point you in the right direction towards everything you need to stay on the clear path of rebuilding your credit.
Why choose us
Experienced Team
The PC Clearance team brings years of credit repair and debt counselling expertise. Our friendly, professional consultants know the process inside out — putting you in the best position to restore your credit.
Fast, Transparent Credit Repair
We work fast to fix your credit and keep you updated at every step. Our advanced system speeds up results and ensures you're always in the loop.
Ethical, Client-First Service
We take full responsibility for restoring your credit. With a client-first approach, we treat everyone with dignity and respect — backed by a strict ethical code and a commitment to service excellence.
Our Core Credit Repair Services
- Judgement Removal / Adverse Listing Removal
- Default Removal
- Payment History Updates
- Prescription of Debt
- Credit Score Updates
- Overall Credit Score Improvement
Services
Rescission and clearance of Administration order
We contact the Administrator and get the information required, negotiate with them on your behalf, launch the relevant application to have your name cleared.
Rescission and clearance of Debt Review Order
A successful debt review order rescission will allow you to clear your name from debt review and start anew with a clean record
Payment Arrangements
If you're under financial stress, we negotiate lower instalments to give you flexibility and help you avoid legal action.
Remove paid up adverse and Judgement listings
Once the judgment debt and costs are settled, we further apply to the respective courts of law and appear in person to have the judgment rescinded, based on the creditors’ consents.
Remove Prescribed Accounts
Where the prescription law applies to your accounts, we contact your creditor, obtain the prescription letter and clear the account with credit bureaus
Update paid up accounts
If your debt is paid up but your credit report still shows that your accounts are in arrears, we lodge a query with the relevant credit bureaus and assist in clearing your name.
Improve Credit Score
Having an excellent credit record and qualifying for a better interest rate could save you tens of thousands of rand.
Credit Legal Advice
Working with a credit coach will help you pay off debt fast and manage your personal finances more efficiently
Inquiries removal
Too many credit enquiries may cause lenders to question whether you are seeking to obtain more credit than you can afford to repay. SA Credit Clear will help you to set the record straight!
How To Avoid Getting Listed
Pro Tips:
- Pay all debts before the 7th of each month
- Notify creditors of any address changes
- Respond to legal letters immediately – never ignore them
- If you can't pay, make and stick to arrangements with creditors
- Read before signing anything – contact us for advice if needed