ClearSlate

Credit Bureau Dispute Service

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Consent links are valid for 14 days. Please contact the firm assisting you and ask them to send you a new consent link.

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You have already signed this consent form. No further action is needed — your credit clearing process is underway. The firm assisting you will keep you updated.

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Your consent has been recorded with a timestamp and reference. The AI agents will now begin pulling your credit reports from TransUnion, Experian and XDS, and will identify any prescribed debts that can be removed.

You will receive updates from the firm assisting you as your disputes progress.

Client consent form

Your service provider has requested your consent to access your credit information and dispute prescribed debts on your behalf.

Who this consent is for

Client name

What you are consenting to — please read

1. Purpose of this consent

You are authorising the firm named above ("the Firm") and its appointed service provider ClearSlate to act on your behalf in identifying and disputing prescribed debt listings on your credit record.

2. What is prescribed debt?

Under the Prescription Act 68 of 1969, most debts prescribe (become legally unenforceable) three years after your last payment or written acknowledgement, provided no court action was taken. Under Section 126B of the National Credit Act 34 of 2005, credit bureaus must remove listings relating to prescribed debts.

3. What we will do

Request your consumer credit reports from TransUnion, Experian (including Compuscan) and XDS
Analyse each listed account to identify debts that have prescribed
Prepare and submit formal dispute letters to the relevant credit bureaus
Track bureau responses and follow up until each dispute is resolved
Escalate to the Credit Ombud where a bureau fails to respond within 20 business days

4. Your personal information (POPIA)

In terms of the Protection of Personal Information Act 4 of 2013, we will collect and process your name, identity number, contact details and credit information solely for the purpose described above. Your information will not be sold or shared with any party other than the credit bureaus and regulators involved in your disputes. You may withdraw consent at any time by contacting the Firm, after which no further processing will occur.

5. Important notices

We will never acknowledge any debt on your behalf — doing so could restart the prescription period
We do not provide legal advice; for complex matters you may consult an attorney
Certain debts do not prescribe after 3 years: home loans, court judgements, municipal debt, TV licences, and SARS tax debt
Removal of a listing does not extinguish a debt that has not prescribed

6. Record of consent

Your typed name, ID number, signature, the date and time, and your device's IP address will be securely recorded as proof of consent.

Your consent — all four are required

Sign below

Type your full name (as signature)

Confirm your SA ID number

Must match the ID number the firm has on file

Draw your signature (optional)

Sign here with finger or mouse

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