In South Africa, ITC clearance involves the removal of adverse credit listings from a credit bureau after a debt has been settled or legally disputed. According to the National Credit Act, credit bureaus are required to update or remove negative information once a consumer has fulfilled their financial obligations. For judgments, a court must rescind the judgment before the listing is removed. Consumers have the right to dispute incorrect listings and request clearance if the information is inaccurate or outdated. This process helps improve credit scores and allows individuals to access future credit opportunities.