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About – Credit Salvage
Have you been blacklisted? Are you finding it difficult to obtain a personal loan when you really need one? Are you sick of dodging phone calls from multiple debt collectors and never knowing how you are ever going to settle all your debt?
If you have answered yes to any of these questions, then it might be time to seek help from an expert. Credit Salvage will help you live a debt free life once again with our personal loans for bad credit.
The advantages of seeking help from a professional
The fact that you are blacklisted means that you have made bad financial decisions in the past and might not know how to manage your finances correctly. Many South African citizens need help because of their past financial mistakes.
If you have too many store cards or credit cards or your medical bills and other accounts are piling up its time to seek help and fast. If you don’t seek help and the problem becomes worse then you could find yourself having your possessions reposed in order to pay your debt.
Contacting a debt counsellor will protect you
When you contact us Credit Salvage will protect you from your creditors. All lenders need to comply with the rules and regulations set out by the National Credit Act, this act is there for your protection and states that if you seek help and admit to having financial problems then you are protected by the law.
Services – Credit Salvage
No one wants the things that they have worked hard for taken away and sold to settle their debt, so why not protect yourself by applying for debt counselling before it is too late.
If you are tired of making excuses to your creditors every month and you just don’t have enough cash to settle your debt then let us handle your creditors for you so that you can get on with your life.
Credit clearance service
Another unique service that we offer our clients is a credit clearance service this is an alternative solution to a credit counsellor but works in much the same way.
You can apply for credit clearance if the following applies to you:
- If you have been or are currently blacklisted
- If your home loan or personal loan application has been declined by many different lenders
- If you have been declined a loan for your child to help you pay for school fees
- If you have been denied a job because of your bad credit record
- If no matter where you apply for a loan, your loan application is always declined
If you have experienced any of these injustices then you can qualify for a bad credit personal loan and save your good name.
Summary of Services
- Personal Loans
- Bad Credit Loans
Credit Salvage - We can help you repair your credit score
I’m sure that you have heard the term blacklisted, but what does being blacklisted actually mean? The Credit Berea keeps a credit file on all citizens that monitors how good you are at handling your finances.
If you make bad financial mistakes that affect your credit score this can cause you to become blacklisted. If you are blacklisted it means that a mark appears in your credit file warning lenders and stores that you are not in a financial passion to take out a long or even short-term loan presently.
Protection includes the following:
- Your loan counsellor will explain what your options are and how best to move forward
- They may suggest a debt consolidation loan
- They will negotiate a better interest rate and more easy to manage payment terms
- Your monthly instalment could be reduced by as much as 60%
- Your counsellor will not just leave you, they will check up on you each month and make sure that the new terms are working in your favour and that you can easily manage the repayments that are necessary
If you need more time to repay your loan we will negotiate new terms on your behalf
You can get off the blacklist
The Credit Berea wants to prevent you from continuing to make bad financial decisions so it essentially blocks you from receiving loans or opening new accounts. If you are blacklisted it is important to find out why most blacklisting comes from defaulting on a personal or payday loan payment.
The Credit Berea does not want to affect your credit score forever or stop you from ever opening another account; instead, they are trying to get you to pay for your outstanding debt by forcing your hand. Taking out another personal loan for bad credit to avoid this will make the situation worse.
How to erase your name from the blacklist
If you find yourself on the blacklist and you would like to get off it there is a way - register with us to receive credit clearance
Once you have registered we will obtain a copy of your credit report from the ITC and then we will work through it and begin to erase your bad credit. Each entry that is removed will see your credit score increase until you have been erased from the list.
Credit clearance is not an overnight fix but if you show that you are committed and that you are willing to take responsibility for your debt then you will raise your credit rating and start to live a debt free life.
Customer Reviews & Testimonials
The agents at Credit Salvage will always ensure that you are happy and satisfied with the terms and conditions of your loan.
— Heidelberg —
Credit Salvage certainly didn’t waste time on my loan. I was given a positive response within one day of applying.
— Pietermaritzburg —
I always get the best loan offers distinctively suited for my budget at Credit Salvage.
— Secunda —
Ph: 0861 692 733 / 087 807 8566
Fx: 086 537 4733
- Monday 09:00 – 16:00
- Tuesday 09:00 – 16:00
- Wednesday 09:00 – 16:00
- Thursday 09:00 – 16:00
- Friday 09:00 – 16:00
- Saturday – Closed
- Sunday – Closed