Understand Exactly What Is Holding Back Your Credit Profile
Whether you have been declined for finance, a home loan, vehicle finance, business funding, or simply want to improve your credit standing, our assessments help identify the issues and provide a clear path forward.
Takes less than 2 minutes to get started.
Credit Score Improved
You are now eligible for financing.
Questions Before Ordering?
Chat with our team on WhatsApp and we'll explain exactly how the assessment works.
Start with a Full Credit Assessment - Before You Apply Again
This is not a basic credit report.
Most people only see part of their credit profile - this shows the full picture lenders use.
Most clients wish they had done this before applying for credit.
No subscription • No obligation • You decide what to do next
Personal Assessment
Once-Off Payment
You are not committing to any further service - this is a once-off assessment.
Secure payment processing.
Company Assessment
Once-Off Payment
You are not committing to any further service - this is a once-off assessment.
Secure payment processing.
Start Your Credit Assessment
Get your detailed multi-bureau assessment and personalised recommendations.
Which Assessment Is Right For You?
Choose the assessment that best fits your needs.
Personal Credit Assessment
R395 Once-Off
Suitable for:
- Individuals
- Home loan applicants
- Vehicle finance applicants
- Personal loan applicants
- Debt review concerns
- Judgments
- Defaults
- Credit score improvement
Company Credit Assessment
R1,950 Once-Off
Suitable for:
- Businesses seeking funding
- Businesses applying for trade credit
- Tender applications
- Companies declined supplier accounts
- Businesses wanting to improve creditworthiness
- Director risk assessments
What You Receive
A comprehensive breakdown of your credit profile and clear next steps.
Personal Assessment
- Multi-bureau review
- Negative listing analysis
- Judgment review
- Debt review analysis
- Credit profile evaluation
- Improvement recommendations
- Personal action plan
Company Assessment
- Company credit review
- Director risk review
- Trade payment behaviour analysis
- Business credit score review
- Risk factor identification
- Funding readiness review
- Improvement recommendations
Application Declined
Due to credit profile
Struggling to Get Approved?
If you've been declined for credit, it's often not your income - it's your credit profile holding you back.
Many people don't realise:
Listings may be incorrect or outdated
Old debt that should have been cleared might still be showing.
Different bureaus show different data
What TransUnion shows might differ completely from Experian.
Some records can be challenged
Unfair or unlawful listings can be legally removed.
See Exactly What's Affecting Your Credit
We give you a full multi-bureau view of your credit - not just one report. Know exactly where you stand and what to do next.
Clear Action Plan
Step-by-step guidance
Why This Matters
If you apply again without fixing this, you may be declined again.
Missed Listings
Checking only one bureau means you miss defaults listed on others.
False Confidence
A 'good' score on one app doesn't mean you're clear for a home loan.
Continued Rejections
Every declined application further damages your credit profile.
How It Works
A simple, transparent process to get you back on track.
Choose your assessment
Select the personal or company assessment.
Submit required information
Provide the details needed for us to retrieve your profile.
Specialist review and analysis
Our experts review your information across bureaus.
Receive findings and recommendations
Get a detailed assessment and recommendations.
Optional remediation services
Where applicable, choose to proceed with repair options.
What Happens After The Assessment?
We provide clarity and options, but you are always in control.
- The assessment identifies issues.
- The assessment identifies opportunities.
- Recommendations are provided.
- Where remediation is possible, options are explained.
- Any remediation work is quoted separately.
- Clients remain in control of which actions to take.
How We Help Improve Your Credit
Once you have your assessment, these are the areas we can assist you with to rebuild your financial standing.
Judgment Removal
Legally clearing rescinded or paid judgments from your profile.
Default Removal
Challenging and removing unfair or prescribed defaults.
Payment Profile Updates
Ensuring your current good behavior reflects accurately.
Enquiry Removal
Clearing excessive credit checks that lower your score.
Debt Settlement Guidance
Strategic advice on which accounts to settle first for maximum impact.
Ready to Start?
Get your assessment today to see which of these apply to you.
Need Business Funding?
Many funding providers review both company and director credit profiles. Our Company Credit Assessment helps identify potential issues before submitting funding applications.
Why Not Just Use A Free Credit Report?
See the difference between a standard free report and a comprehensive SA Credit Clear assessment.
| Basic Credit Report | SA Credit Clear | |
|---|---|---|
| Score & Listings | Shows score | Professional analysis |
| Bureau Coverage | Shows listings | Multi-bureau review |
| Guidance | Limited guidance | Action plan |
| Remediation | No guidance | Remediation guidance |
| Business Insights | Not included | Funding readiness insights |
| Recommendations | Generic | Personal recommendations |
Start Here - Before You Apply for Credit Again
Getting declined leaves a mark on your profile. The smartest move you can make is knowing exactly what lenders will see before you apply.
No Consultation Needed to Get Started
You don't need to speak to anyone to get your full assessment.
No Calls Required
Everything is done online.
No Obligation
You decide your next steps.
Takes 2 Minutes
Quick, secure checkout.
Takes less than 2 minutes to get started.
Why South Africans Choose SA Credit Clear
We follow strict South African regulations and ethical processes. Your financial journey is in safe hands.
Years in Operation
Trusted by South Africans since 2017.
Thousands Assisted
Over 25,000 listings analysed and 2,000+ profiles assessed.
Secure & Confidential
Bank-level encryption protects your personal information.
Questions Before Ordering?
Chat with our team on WhatsApp and we'll explain exactly how the assessment works.
Frequently Asked Questions
Everything you need to know about our assessment process.
Don’t Get Declined Again Without Checking This First
See your full credit profile before applying for a car, home, or loan.
Takes 2 minutes • No obligation
Ready To Find Out What's Holding Back Your Credit Profile?
Start with your professional multi-bureau assessment for only R395.
Questions Before Ordering?
Chat with our team on WhatsApp and we'll explain exactly how the assessment works.