About SA Credit Clear
A clearer process. Straight answers. Human support.
We help South Africans understand their credit record and their next step before applying for car or home finance - with honest limits, not inflated promises. Reach us by WhatsApp, phone or email with your question.
Our approach to understanding your record
We start with understanding, not with a promise of an outcome. Our process begins with what the personal assessment covers, reviewing your credit information so you can see what is there, what may be corrected and what is accurate history.
We separate correcting inaccurate information from rebuilding financial behaviour, and we explain the difference between a report error and a score concern. The goal is that you make decisions with realistic expectations, not false hope. Our service terms explain what an assessment covers and what requires a separate agreement.
For a business enquiry, read the separate company assessment information and confirm the appropriate scope first.
Our personal assessment combines multi-bureau review with recommendations, an action plan and a consultation about the findings. The separate company assessment addresses business information and authorised director-risk scope. We explain what is included and keep further work a separate decision.
Straight answers about what the service can do
Honesty about limits is part of how we work. An assessment does not cancel debt, erase accurate history, guarantee a score increase or secure lending approval. Lenders consider more than a score. Read what may be corrected on a credit record to understand why not every negative entry is removable.
- We do not promise removal of genuine missed payments or authorised enquiries
- We do not guarantee a fixed score uplift or a universal lender cutoff
- We do not advise stopping agreed repayments or taking new credit to manipulate a score
- Further work is always quoted separately - never hidden in a subscription
Alongside our credit-related work, we provide access to the separate prepaid electricity advance service. Its eligibility, charges and provider process differ from a credit report assessment.
Our services also include debt review removal assistance and possible prescribed accounts, with the proposed work and any necessary professional involvement explained before you agree. We do not present an enquiry as a cancellation instruction or a guarantee of removal.
What you can check before deciding
We encourage you to verify any credit repair provider, including us. Use these questions to ask a credit repair company when assessing any provider, including SA Credit Clear. A trustworthy service should welcome those questions.
- What exactly is included in the price, and what is quoted separately?
- Is there a subscription, or is it once off?
- What can be corrected, and what must remain as accurate history?
- Are free report and dispute options acknowledged?
Human contact and existing-client support
You can reach a person, not just a form. Existing clients can raise a service concern through the approved process.
Ask about your next step
Whether you are unsure where to start or have a specific question about your credit record, you can contact us before deciding on any paid support. Before submitting, read how we handle your information. Sending this enquiry does not authorise a credit-bureau search or subscribe you to marketing.
Please do not send identity documents or sensitive personal information through this page. We will guide you on the approved process if further information is needed.
Asking about debt review? Read the documents and questions to prepare before sending sensitive information. You can start with a simple enquiry.
Contact SA Credit Clear
SA Credit Clear is a trading name of SACC Holdings (Pty) Ltd. Read the business and service details before purchasing.
Already using our service?
If you are an existing client with a service concern, use the approved complaints process. For an unresolved service concern, follow the complaint and review process; you do not need to place another order. We take service concerns seriously and will respond through the approved channel.
Electricity advance support
For the service code, use the Umhlakasi electricity advance number and instructions. For a missing token or unexplained deduction, first read the electricity token and repayment help, then contact us with a brief description. Do not send passwords, PINs or one-time codes.
Ready to explore an assessment?
Ready to explore paid support? Read about the personal assessment before deciding. For business-related information, see the company credit assessment rather than selecting a personal assessment by default.
For your own record, review the personal assessment. For business-related credit information, review the company assessment. You may ask questions before ordering either package.
Ready to understand your credit record?
Start with a professional assessment of your credit information, then decide whether any separately quoted help is right for you.
Once-off assessment. No subscription. Any further work is quoted separately.