We work very closely with the 3 biggest credit bureaus in South Africa
Credit Report
ITC Fixer offers a comprehensive credit report. We obtain your personal profile from all the major credit bureaus in South Africa (TransUnion, XDS, Compuscan and Experian) and then we consolidate all info into one 3in1 credit report.
Removal of Judgments & Default Listings
When a default and or a Judgement listing is registered on your credit profile/report it makes getting credit or borrowing money from creditors difficult. ITC Fixer can assist you in clearing out the judgement and or default listing from your credit profile/report.
Enquiries Removal
Whenever you apply for credit, creditors leave a footprint of enquiries on your credit report, which may affect your credit score negatively. These credit enquiries may also cause lenders to question whether you are seeking to obtain more credit than you can afford to repay, however ITC Fixer will help you to set the record straight.
Removal of Debt Review & Rescission of Administration Orders
In this instance the Creditors do not have to be paid up in full. ITC Fixer does however have to prove to the Court that you are in a better financial position as opposed to when you went under administration.
Payment Profile Updating & Score Upgrading
A payment history is a 24 month record of your payment behavior and indicates how well you pay your accounts on a monthly basis. It is also an indication of whether an individual is a lending risk due to a history of late or missed payments. ITC Fixer can assist in the removal of these late/missed payments from your credit report. If the account is paid up in full, the account may be amended to reflect as “paid in full”. Which has a positive impact on your credit score.
Rehabilitation after Sequestration
The insolvent is automatically rehabilitated after 10 years from the date of his/her sequestration. ITC Fixer on behalf of the insolvent may however apply to Court within 10 years of his/her sequestration for Rehabilitation. ITC Fixer does however have to prove to the Court that he/she is in a better financial position as opposed to when he/she went under sequestration. Then the insolvency of a party comes to an end when he is rehabilitated.
Settlement negotiations
We negotiate with your creditors a favourable settlement discount in the event you wish to settle an outstanding debt.
