CREDIT BUREAU CLEARANCE APPLICATION

 Credit Bureau Clearance Services South Africa

 

We are one of South Africa's leading Credit bureau clearance companies, responsible for delivering impeccable service and world-class customer services. We make the process of credit bureau clearance a happy and satisfying experience. 

Have you been declined for finance?

We can assist you to restore your credit reports and, in the process, increase credit scores.

Are you Struggling to get your credit reports in order? If you've been turned down for finance, vehicle finance or even home loan applications our knowledgeable team is here to help.  

With your consent, we will access your profile from 4 of South Africa's major bureaus. From there we work on your profiles and provide you with the required results.

Our success and satisfied clients speak for themselves.

We care and we listen to EACH client. We put ourselves in our client's shoes and then we make a plan that works. Our success is only measured by results, the most important being how our clients feel about their experience with us.

We work efficiently, quickly and each client gets personal attention. 

Our process is effective, quick and easy. If you are interested in taking this rewarding journey with us complete our online application and let us wow you with our dedication.

Credit Salvage Testimonials

How WE Can Help You! Unlock Your Financial Potential with Our Expertise!

At our firm, we're committed to empowering you with the clarity and support you need to elevate your credit profile. Choose us and gain access to unparalleled expertise in the realm of credit management. Our transparent, low-cost pricing model stands out from the competition, ensuring you face no surprises along the way.

Experience the efficiency of our service with rapid response times. From the moment we receive your application, we're on the case, initiating the credit clearance process within hours. You'll receive comprehensive insights into your credit bureau profiles, uncovering the root causes of any issues.

Navigating the world of credit can be daunting, especially when low scores lead to declined applications. That's why we provide a thorough credit score analysis and a strategic plan tailored to enhance your scores. We collaborate with four major credit bureaus in South Africa—Transunion, Experian, Compuscan, and XDS—ensuring a broad and effective approach to credit improvement.

Our process is designed for your convenience; no face-to-face interviews are necessary. We offer nationwide assistance and employ a cutting-edge reporting system to keep you informed every step of the way. Access to your account manager is seamless, through website chat, telephone, WhatsApp, and email, ensuring you always have support when you need it.

Our professional team excels in negotiating with bureaus for the removal and updating of adverse accounts and listings, directly contributing to your credit score improvement. As a firm that's registered with key industry regulatory bodies and backed by 16 years of experience, we've earned countless positive referrals and reviews. Our commitment is to you, our client—we care, and we deliver results.

Signing up is straightforward with our online application, and for your peace of mind, we offer a money-back guarantee. Don't let credit challenges hold you back any longer. Join the hundreds who have transformed their financial futures with us. Start your journey to credit freedom today by completing our online application! To proceed click the "i'm Ready - Lets Start the Process

Process

 Credit Bureau Clearance Process Credit Salvage

 

Let’s Fix Your Credit Rating

You found us so it would be a fair assumption that you might have been blacklisted or are not creditworthy. This poor credit rating and credit score are stopping you from moving forward in life.

To start our credit bureau clearance process simply follow the steps in our online application. Start the process by clicking on the link below

 

Blacklisted Credit Bureau Clearance Application form page 1

We would be happy to hear more about your needs and how we can help.

For us to assist you in the shortest possible timeframe, please provide as much information as possible and as accurately as you can.

I need the following service

Please choose one option

Please choose one option

Please choose one option for Debt review removal

The above option under financial circumstances is vital for the court process, so please CHOOSE THE CORRECT option

Please choose one option

Please choose one option

Let's start off with some basic information.

Please ensure all information is correct.

Please enter a valid ID Number

Please double check if correct. You will need your ID to open this secure document

Please type your Full names

Names as per ID - Surname will be asked next line - Please do not capture your Surname here

Please type your Full Surname

Surname as per ID

Please enter a valid cellphone number

Please enter your valid work number

Invalid email address.

Invalid Input

Invalid Input

Please choose one option

Who do you work For?

Please enter a valid Gross Salary amount

Please insert your exact Gross Salary as per pay slip. This information will be used to calculate your debt-to-income ratio which is used by Credit bureaus for scoring purposes.

Please enter a valid Net Salary amount

Please insert your exact NET Salary as per pay slip. This information will be used to calculate your debt-to-income ratio which is used by Credit bureaus for scoring purposes.

Please enter a valid additional Income amount

Please insert your additional income. This information will be used to calculate your debt-to-income ratio which is used by Credit bureaus for scoring purposes. Please leave 0 if you do not have an additional income.

Please choose one option

Please select a date when you receive your salary.

Please choose one option

Please choose one option

Consent

Signature Required

To avoid any delays in processing your application please ensure you sign in the signature block. We cannot proceed without a valid consent signature.

Please sign in the box if you consent

Costs and Benefits

Please choose your option for repayment. 

Please choose one option for credit clearance.

Please choose one option for Debt review removal

Please choose one option for Debt review removal

Please choose one option for Debt review removal

Payment option

Please Note: Unfortunately, we are unable to accept EFT as a form of payment for MONTHLY INSTALLMENT. If you require the fees to be repaid in instalments, please choose the debit order option above and complete your details as required.

PAYFAST

If you opt for the PayFast option to make your payment using a credit or debit card, here's what you need to know: Once you complete the necessary information in the form, a secure link for payment will be provided to you at the end. This link directs you to PayFast's payment gateway, where you can safely enter your card details to complete the transaction. Notably, PayFast allows you to make use of your credit card's budget option, enabling you to spread the cost over several months if needed. This method ensures that your payment is processed securely and efficiently, without the need for you to enter sensitive information directly on our site. PayFast is known for its robust security measures, providing you with peace of mind that your financial details are protected. Remember, the transaction is one-time, and no card details will be stored, ensuring your privacy and security.

Debicheck 

Should you prefer to repay our fees in affordable instalments for up to 6 months please complete the following debit order details.

Please take note that we DO NOT require an upfront or deposit payment. We will start the process as soon as you authenticate the Debit Order.

Your bank name

Debicheck Terms

DebiCheck is a debit order collection method that we will use to collect money from you to pay for our services. We DO NOT require an upfront payment to start with any work. We however do require that a valid authenticated DebiCheck is in place for future collections.

DebiCheck is a debit order payment method where payments are processed in the early morning and we must both follow additional steps if you want to pay us from your account via this debit order payment method.

Payments processed under this mandate will commence at different times:

  • If this mandate is provided for a new agreement with us, the date on which the first payment is processed will be determined as per your debit order mandate signed.
  • If the mandate is provided for an existing agreement with us, the date on which the first payment is processed will be the same payment day as per the original mandate signed after you have authenticated this mandate.

General

If you do not have funds available on the stipulated payment day, we may be unable to collect a payment, you will remain liable for all unpaid amounts due by you.  If your debit order is not paid, you may be in breach of your agreement with us.

We may continuously look into your account before and after the payment day and resubmit the collection should we not have been successful in collecting on the payment day.  This is called “tracking”.

If you have an existing DebiCheck mandate, this mandate will then replace the existing mandate.

Declaration

I, the undersigned, request Credit Salvage to arrange with my bank to collect, by means of the debit order system, the payments in terms of the stipulations of the contract and payments in arrears (as they may be amended from time to time/where applicable/where so requested) of the above-mentioned against my account.

Benefits (The paid fee will give you the following service)

Credit bureau checks, Credit clearance and/ or updates Clearance of Listings, Reckless lending, Prescription cases and budgeting advise. Credit score monitoring and advise for a period of 6 months after clearance.

Should you wish to make an eft transfer please contact us directly on 0878980895.

Power of Attorney and Fee Agreement

Credit Salvage Corporation (hereinafter referred to as CREDIT SALVAGE) and their duly nominated employees with the power of Substitution, to be my Agents in my name, place, and stead to access all my personal financial and credit information, whether telephonically or online (using my personal information) or any other means available to CREDIT SALVAGE. CREDIT SALVAGE will ensure the confidentiality of this information. This information will be used to be able to deal with clearing and/ or updating my ADVERSE INFORMATION in accordance with the National Credit Act.

This includes but is not limited to:

  • Obtaining my credit reports (before and on finalisation of the process)
  • Obtaining outstanding balances from my Creditors
  • Obtaining copies of contracts and/or any other documentation about alleged credit provided to me by my Creditors
  • Providing me with proposals to remove and/or update my adverse listings, obtaining paid-up letters and lodging credit bureau disputes on my behalf.

Get paid-up confirmations and paid-up letters from past and current creditors and obtain any legal paperwork necessary to revoke judgments. Prepare, sign, and file documents with any governmental body and credit providers. Employ professional and business assistance as may be appropriate, including attorneys, accountants, real estate agents, and Bond originators. Obtain information or documents from any government or credit providers, and negotiate, compromise, or settle any matter with such government or credit providers.

I also authorise CREDIT SALVAGE to release any such information as may be necessary about my identity, my employment status and my financial circumstances to any other person/institution, provided that it is related and limited to my current credit status, and generally for effecting the purposes aforesaid, to do or cause to be done whatsoever shall be requisite, as fully and effectually as I might or could do if personally present and acting herein.

I undertake to confirm any actions by CREDIT SALVAGE in terms of this Power of Attorney should I be called upon or required to do so.

Regarding Section 13 of the Protection of Personal Information Act No. 4 of 2013 Act (POPIA), I give my consent to CREDIT SALVAGE providing my personal information, but not limited to my name, identity number and account number, to my Creditors. In turn, I consent to my Creditors providing CREDIT SALVAGE with the information requested by them pertaining but not limited to balances, statements, prescription letters, paid-up letters, contracts, documents, and any other information required by CREDIT SALVAGE should any matter that I have mandated CREDIT SALVAGE to deal with, become disputed.

I confirm that I know the said information exchanged between CREDIT SALVAGE and my creditors will only be used to improve my credit status at the different credit bureaus. This Special Power of Attorney shall continue effective until my cancellation with Credit Salvage or by “the attorneys” nominated by CREDIT SALVAGE. This Power of Attorney may be revoked by me at any time by providing written notice to CREDIT SALVAGE.

Please choose one option for credit clearance.

If you do not agree to our terms simply exit without continuing. Your information will not be processed.

Invalid Input

Please insert your address

Today's Date

Please choose todays date

Power of Attorney and Fee Agreement - Continue

CREDIT SALVAGE CORPORATION SA (PTY) LTD (Hereinafter referred to as “CREDIT SALVAGE CORPORATION”) AND/OR THE ATTORNEYS NOMINATED BY THEM (HEREINAFTER REFERRED TO AS “THE ATTORNEYS”) With the power of attorney and substitution to render the necessary professional service (done by CREDIT SALVAGE) and legal services (done by “the attorneys” nominated by CREDIT SALVAGE)

  • I confirm that I am aware that Credit Salvage Corporation SA (Pty) Ltd and/or the attorneys may withdraw as my agent and/or attorneys for good cause, or in the event of my failing to pay any fees or disbursements in terms of this agreement. In the event of nonpayment Credit Salvage Corporation SA (Pty) Ltd and/or attorney shall be entitled to retain all documentation in their possession, whether prepared by them or not, until the full amount outstanding in respect of administration and/or legal fees is paid. Work will only commence once the first payment has been paid into the nominated account. In the case of a debit check once the debit order is authenticated. No matter will be finalized until receipt of full payment of the actual administration fees and has been paid in full. 
  • I fully understand and agree that should Credit Salvage Corporation SA (Pty) Ltd and/or the attorneys be unsuccessful in obtaining any rescission, removal or updating of any judgment, adverse, default or any listing against me, I will not be entitled to a refund of any fees paid by myself. I further understand that it may not always be possible for Credit Salvage Corporation SA (Pty) Ltd and/or attorneys to be successful in the rescission, removal updating of any judgment, adverse, default or any listing against me, however, they will endeavor to positively upgrade these listings. I FURTHER UNDERSTAND THAT THIS PROCESS IN NO WAY GUARANTEES ME SUCCESS IN ANY FUTURE CREDIT APPLICATIONS, AS THE GRANTING OF CREDIT IS ENTIRELY AT THE SOLE DISCRETION OF THE REGISTERED CREDIT PROVIDER AND NOT AT THE DISCRETION OF THE REGISTERED CREDIT BUREAU. 
  • I confirm that should this mandate be terminated for any reason whatsoever, that Credit Salvage Corporation SA (Pty) Ltd and/or attorneys shall be entitled to charge wasted costs occasioned by any work already commenced by them, in addition to a cancellation fee of R750. Please note that once the matter has been handed over for collections, you will be liable for all collection costs. 
  • I hereby authorize Credit Salvage Corporation SA (Pty) Ltd and/or attorneys to conclude settlement negotiations with my various creditors. Should Credit Salvage Corporation SA (Pty) Ltd be successful in negotiating a reduced settlement amount payable by me to the creditor, I agree to pay Credit Salvage Corporation SA (Pty) Ltd the sum of 20% (twenty per cent) of the said saving as a negotiating fee. This negotiating fee shall be payable over and above the administration fees quoted. I hereby also appoint Credit Salvage Corporation SA (Pty) Ltd and/ attorneys to be my broker and that they, or their representatives, have the authorization to access any of my personal information, including credit bureau reports held by a registered credit bureau.
  • To keep administration and legal fees to a minimum, I understand that Credit Salvage and the attorneys shall only contact me as and when necessary and only when progress is to be reported to me. In this regard, I confirm that any additional telephone calls and/or consultations made by me when enquiring about progress shall be payable by myself in addition to the administration and/or legal fees quoted.

Credit Salvage Corporation SA Contracted Services Agreement 

This Credit Salvage Corporation SA Contracted Services Agreement (“Agreement”) is entered between Credit Salvage Corporation SA, a Randburg Johannesburg based company trading as Credit Salvage, with its registered office at 20 Spreeu Avenue Randparkridge 2156 (“Company”, “Credit Salvage”, or “we”), and the Customer or as identified within the signature block or as identified within your Credit Salvage online customer account (“Customer” or “you”). This Agreement contains, among other things, class action, arbitration, warranty disclaimers, liability limitations and use limitations.

1.0 Services

1.1 LENGTH

The term of this contract is valid for a maximum of 6 months (“Initial Term”). Failure to complete the agreed upon Initial Term shall result in financial charges related to an estimate of cost and services that are allocated in section 4.2. After the expiration of the Initial Term this Agreement shall not be renewed.

1.2 TOTAL COST OF YOUR AGREEMENT

You agree to pay Credit Salvage the amount as selected and set out in  (the “Fees”) for the Services provided by it under this Agreement. The Fees will be payable in accordance with the payment schedule as set out in Schedule 3 to this Agreement. [The expenses for the performance of the Services will be included in the amount of Fees/The Purchaser will reimburse Credit Salvage for expenses reasonably incurred by it in the performance of its Services. Credit Salvage will provide reasonable documentation for all expenses as requested by the Purchaser.

Please be aware that the total cost for Services does not include any fees for any additional services selected or other charges and does not include any additional fees owed after the expiration of the Initial Term.

1.3 COST BREAKDOWN

Your first payment is as per your debicheck debit order instruction. (This includes a flat set-up fee if applicable). All subsequent months or periods shall be billed monthly and shall recur until the full contract amount has been repaid in full including debit order fees, collection charges (if any).

1.4 SERVICES

The “Services” offered by Credit Salvage may include credit clearance services, reduced settlement negotiations services, debt review removal services, credit bureau report services, or other services as offered through the Credit Salvage website and as selected by Customer.

2.0 Mutual Cooperation

2.1 TIMELY INVOLVEMENT

Oftentimes Credit Salvage shall require assistance or inputs from you to obtain paid up letters in the cases we see delays from creditors to provide such letters or any deliverables as selected by you. Please be aware that your cooperation is required, and we are not responsible for any delays in production related to abating paid-up letter delays imposed by your creditors.

3.0 Terms of Payment

3.1 BILLING SCHEDULE

You will be billed the amount set forth in Section 1.3 upon execution of this Agreement, and any monthly fees shall subsequently be billed on the same date each month (or the last day of a month should the agreement fall on the 29th, 30th, or 31st of a month).

3.2 Missed Payment and Contract Cancellation Clause

  1. Monthly Payments: You agree to make regular monthly payments of your chosen installment on or before the chosen date of each month for the duration of this contract.

  2. Late Payment Notification: In the event of a missed payment, you will be notified via a telephonecall, sms and email and you will be granted a grace period of 7 days days to make the overdue payment.

  3. Consequences of Missed Payment: If you fail to make the payment within the grace period of 7 days, it shall result in an automatic breach of contract.

  4. Contract Cancellation: Upon breach due to a missed payment, this contract will be subject to immediate cancellation at the discretion of Credit Salvage

  5. No Refund Policy: In the case of contract cancellation due to missed payments, you agree that you shall not be entitled to a refund of any payments made prior to the breach.

  6. Reinstatement: Reinstatement of the contract after cancellation due to a missed payment is subject to the sole discretion of Credit Salvage and may require payment of all outstanding balances and a reinstatement fee.

3.3 PROMOTIONAL RATE

For this agreement, you will receive a 6-month after-care service after your credit report is updated to a value of R2500. Credit Salvage is not required to offer any promotional rates for any Services and may discontinue or withhold any promotional rates at its discretion. The Free aftercare services relates to matters we have dealt with and will exclude assistance on any newly listed adverse credit bureau listings.

Promotional details:

After updates and/or removals are made to your bureau profile, you will be provided with free after-care services for six months.

3.4 CUSTOMER AGREEMENT TO PAY

You agree to pay all fees due and owing for any Services in a timely manner as set forth within this Agreement. Where you fail to timely pay any fees, Credit Salvage at its discretion may suspend your access to the Services or terminate this Agreement at its discretion.

3.5 COLLECTION COSTS

If we incur legal fees, costs, and disbursements to collect payments that are unpaid or overdue, you agree to reimburse us for these expenses related to such collection efforts.

4.0 Term and Termination

4.1 PERIOD OF AGREEMENT AND NOTICE OF TERMINATION

This Agreement shall become effective as of the date of signature and shall continue until terminated by either party subject to this Agreement. Except as provided otherwise within this Agreement, neither party may terminate this Agreement during the Initial Term. After the expiration of the Initial Term either party may terminate this Agreement by providing notice to the other party.

Credit Salvage reserves the right to terminate this Agreement immediately, at any time, if Customer fails to pay any Service fees in a timely manner or if Credit Salvage believes that Customer’s actions may or will harm Credit Salvage or a third party’s business interests.

5.0 General Provisions

5.1 DISCLAIMER

The Services are offered on an “as-is” and with all fault's bases. Services may be temporarily unavailable for scheduled maintenance or for unscheduled emergency maintenance, either by Company or by third-party providers, or because of other causes beyond Company’s reasonable control. The company does not warrant that the Services will be uninterrupted or error free; nor does it make any warranty as to the results that may be obtained from use of the Services. EXCEPT AS EXPRESSLY SET FORTH IN THIS SECTION, THE SERVICES ARE PROVIDED “AS IS” AND COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

5.2 INDEMNITY

Customer shall indemnify and fully hold harmless Company against all claims arising from its use of the Services or any breach of this Agreement. Where indemnity is triggered under this provision, Company reserves the right to select counsel and control litigation and settlement.

5.3 LIMITATION OF LIABILITY

NOTWITHSTANDING ANYTHING TO THE CONTRARY, EXCEPT FOR BODILY INJURY OF A PERSON, COMPANY AND ITS SUPPLIERS (INCLUDING BUT NOT LIMITED TO ALL EQUIPMENT AND TECHNOLOGY SUPPLIERS), OFFICERS, AFFILIATES, REPRESENTATIVES, CONTRACTORS AND EMPLOYEES SHALL NOT BE RESPONSIBLE OR LIABLE WITH RESPECT TO ANY SUBJECT MATTER OF THIS AGREEMENT OR TERMS AND CONDITIONS RELATED THERETO UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY: (A) FOR ERROR OR INTERRUPTION OF USE OR FOR LOSS OR INACCURACY OR CORRUPTION OF DATA OR COST OF PROCUREMENT OF SUBSTITUTE GOODS, SERVICES OR TECHNOLOGY OR LOSS OF BUSINESS; (B) FOR ANY INDIRECT, EXEMPLARY, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES; (C) FOR ANY MATTER BEYOND COMPANY’S REASONABLE CONTROL; OR (D) FOR ANY AMOUNTS THAT, TOGETHER WITH AMOUNTS ASSOCIATED WITH ALL OTHER CLAIMS, EXCEED THE FEES PAID BY CUSTOMER TO COMPANY FOR THE SERVICES UNDER THIS AGREEMENT IN THE SIX MONTHS PRIOR TO THE ACT THAT GAVE RISE TO THE LIABILITY, IN EACH CASE, WHETHER OR NOT COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND WHETHER OR NOT THE DAMAGES WERE REASONABLY FORESEEABLE.

5.4 MISCELLANEOUS

If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect and enforceable. This Agreement is not assignable, transferable, or sublicensable to the Customer except with Company’s prior written consent. Company may transfer and assign any of its rights and obligations under this Agreement without consent. This Agreement

including Credit Salvage Terms of Service (terms and conditions) is the complete and exclusive statement of the mutual understanding of the parties and supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of this Agreement, and that all waivers and modifications must be in a writing signed by both parties, except as otherwise provided herein. Where there is a direct conflict between this Agreement and the Terms of Service, this Agreement shall control. No agency, partnership, joint venture, or employment is created because of this Agreement and Customer does not have any authority of any kind to bind Company in any respect whatsoever. All written notices under this Agreement may be delivered to Credit Salvage at the address listed above (delivery proof required) and to the Customer through Customer’s Credit Salvage account or contact information provided to Credit Salvage by the Customer. This Agreement shall be governed by the laws of South Africa without regard to its conflict of law’s provisions. All disputes arising out of or relating to this Agreement, including fraud in the inducement, whether in contract or tort, law, or equity, shall be resolved by final arbitration before one arbitrator.

Our utmost priority is safeguarding your personal and confidential information, and we are dedicated to upholding this commitment in full accordance with the Protection of Personal Information Act No. 4 of 2013. Credit Salvages employs robust ICT security measures to guarantee this level of protection.

Invalid Input

 

Credit Salvage Debt Counselling and Credit Clearance Attention min 1

Please click the submit button ONCE and kindly wait for a couple of seconds for your information to be submitted to our secure database.

Please note: If you do not see a submit button then you have not agreed to our terms, conditions, and consent. If you would like to proceed, please click the previous tab and click on the consent option to agree to our terms. Once you have agreed to our terms the submit button will appear.

Electronic Signature: Please be advised that, by clicking on any “submit” button on this site, you will submit an electronic signature, as contemplated in Section 11 of the Electronic Communications and Transactions Act, No.25 of 2002. Such signature carries with it all the weight of all contractual and legal obligations which may arise from the submission of such signature.

Quick Links

                             

  Home       About Us       Debt Counselling       Credit Clearance       Resources       Calculator       PAIA Manual   Privacy Policy     Testimonials