Is a negative credit record holding you back from getting a loan, a car, or even your dream home? Don’t let past financial mistakes define your future. Our Credit Record Clearing service can help you clean up your profile and regain your financial freedom.
What is Credit Record Clearing? A Simple Guide
Credit bureaus (like TransUnion and Experian) collect information about how you manage your debt. If you pay late, miss payments, or have a court judgment against you, this creates a negative listing on your credit record. This lowers your credit score, making lenders see you as a risk. “Credit Record Clearing” is the legal process of disputing and working to remove incorrect, outdated, or paid-up negative listings from your record. This “cleans” your record, which helps to improve your credit score over time.
Why Choose StartupHero for This?
Navigating the legal processes with credit bureaus and creditors is complex and time-consuming. Our experienced partners are experts in credit law and handle the entire process on your behalf, from lodging disputes to following up, giving you the best possible chance of successfully clearing your name.
Our Service Can Assist With:
- ✅ Removing Judgments: We assist in the legal process to rescind court judgments once the underlying debt has been settled.
- ✅ Disputing Defaults: We can dispute incorrect or unfair default listings that are negatively impacting your score.
- ✅ Debt Review Removal: We assist in obtaining the clearance certificate to remove the debt review flag once you have completed the process.
Client Testimonial
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“I had a judgment from years ago that was stopping me from getting a home loan. The team handled everything and had it removed. Six months later, my home loan was approved. I’m so grateful.”
Frequently Asked Questions (FAQs)
Q: Can you remove listings for debt I haven’t paid?
A: Generally, the underlying debt for a listing (like a judgment) must be settled before it can be legally removed. We can, however, dispute listings that are incorrect or have prescribed.
Q: How long does it take to see an improvement?
A: The process can take anywhere from a few weeks to several months, depending on the complexity and type of listings on your profile.
It’s time for a fresh financial start. Let us help you clean up your credit record.
Nomfundo Z., Soweto –
I had a judgment from years ago that was stopping me from getting a home loan. The team handled everything and had it removed. Six months later, my home loan was approved. I’m so grateful.