Automated Prescribed Debt Removal for SA Debt Counsellors Detect prescribed debts in 5 seconds. Generate dispute letters instantly. Submit to all 4 bureaus automatically.

• 📥 Download PDFs from 4 credit bureaus (15 min)
• 🧮 Calculate 3-year prescription per account (10 min)
• ✍️ Write dispute letters — NCA + Prescription Act (20 min)
• 📊 Track 20-day deadlines in spreadsheets (5 min)
• Total: 50 min per client. 37.5 hrs/week for 50 clients.

• 📥 Auto-import credit reports — all 4 bureaus (30 sec)
• 🧠 AI detects prescribed debts — 99% accuracy (5 sec)
• 📄 Auto-generate SA-compliant dispute letters (10 sec)
• ⏰ 20-day deadline tracker + WhatsApp reminders (auto)
• Total: 3.5 min per client. 2.9 hrs/week. Save 95%.

What types of debt can be prescribed in South Africa?

Under the Prescription Act 68 of 1969, most consumer debts prescribe after 3 years from the last payment or written acknowledgement. This includes credit card debt, personal loans, store accounts, and medical bills. ClearSlate automatically checks all 6 exemption categories.

How does ClearSlate detect prescribed debts automatically?

Agent 1 (Predictive) ingests the credit report, identifies each account, and checks the last payment date, last written acknowledgement, and any legal action against the 6 exemption flags defined in the Prescription Act. Results in 5 seconds with 99% accuracy.

Does ClearSlate submit to all 4 SA credit bureaus?

Yes. ClearSlate submits dispute letters to TransUnion (portal scrape), Experian (email), Compuscan (email), and XDS (email) simultaneously. Agent 3 gets 4 reference numbers back in approximately 2 minutes.

What happens if a bureau doesn't respond in 20 days?

ClearSlate's Agent 3 (Monitoring) tracks the 20-working-day deadline. If no response is received, it auto-generates a complaint and escalates to the Credit Ombud on day 21 — with zero manual follow-up required.