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Answer for Erase Payment History

Hi there.

Thank you for your question.

Unfortunately you cannot erase a payment history. The time will have to pass and eventually your rating will be good again. Usually credit providers only look at the last 6 month’s payment history when considering a credit application. Keep up good payments for that time and your credit rating should improve.

Further you mentioned that you went broke. By saying this do you mean you were declared bankrupt or were sequestrated? If so, a clearance certificate will not assist your cause. If there are any judgements still active against your name you can apply to the court to have them rescinded. These rescission orders can then be sent to the credit bureaus and they will make the necessary adjustments. If you were sequestrated, you can also apply to be rehabilitated. This will see the curator who was appointed over your estate do an analysis whether or not you are fit to re-enter the credit market. Talk to your attorney about this for more detail.

Kind regards