TH Credit Solutions (Pty) Ltd is

TH Credit Solutions (Pty) Ltd is a trusted South African financial restoration and credit repair company dedicated to helping individuals and businesses regain control of their financial standing.
We specialize in the removal of blacklisting records, judgments, prescribed debts, and other adverse listings that affect credit scores.

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Mission & Vision

To empower individuals and businesses to achieve financial independence and fair credit representation by offering transparent, lawful, and effective credit restoration and advisory services.

To be South Africa’s leading and most trusted credit rehabilitation partner — restoring hope, fairness, and confidence in the financial lives of our clients.

Our Values & Commitments

Integrity

We define integrity as the act of conducting ourselves in an honest and ethical way with everyone we do business with.

Excellence

We strive for best performance in our communications, standards, processes, planning and execution.

Growth

We are constantly aiming to grow both as individuals and as a company. We believe that the journey of education is a lifelong pursuit

Sustainability

An approach which ensures that the resources at hand are applied to their maximum potential without compromising the long-term prospects of our clients.

Turning Financial Setbacks into Fresh Starts.

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Our Services

Blacklisting Removal

We assist clients in removing unfair or outdated blacklisting records from credit bureaus, ensuring their credit profiles reflect accurate and lawful information.

Removal of Prescribed

Our experts identify and help eliminate debt that has expired under the National Credit Act (NCA), protecting you from paying what you no longer legally owe.

Debt Review Flag Removal

We facilitate the lawful removal of debt review flags from credit records for clients who have settled or resolved their debts, helping restore their financial credibility.

Illegal Repossessions

We protects consumers from unlawful vehicle repossessions by financial institutions or recovery agents acting outside the scope of the law.

Garnishee Order dispute

If you suspect that a garnishee order placed on your income is not lawful, our team can investigate and dispute it, ensuring that the correct processes and regulations are followed.

Removal of Judgments

We can get you off the debt judgement and review so that you can qualify for a loans again, we can negotiate with your credit providers to remove the listings and update your credit records.

Proven Results

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Credits Cleared
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Every client is treated with dignity, respect, and full confidentiality.
Our team has deep expertise in consumer credit law and financial dispute resolution.
All our interventions adhere strictly to the National Credit Act and South African consumer protection laws.

What Our Clients Say

Lerato Khumalo

Rated 5 out of 5

I was blacklisted for an account I had closed years ago. TH Credit Solutions helped me remove the listing and guided me on how to rebuild my credit. Today, I’ve qualified for a car loan again. I’m forever grateful!”

Kabelo Ndlovu

Rated 5 out of 5

“When my car was about to be repossessed, I contacted TH Credit Solutions out of desperation. They stepped in immediately and stopped the illegal repossession.”

Themba Radebe

Rated 5 out of 5

“The bank had been charging me hidden fees for years. TH Credit Solutions forensic team investigated my accounts and recovered money I didn’t even know I was owed. They truly fight for the people.”

We believe everyone deserves a second chance. Our promise is to restore your financial integrity, protect your consumer rights, and equip you with the tools to build a stronger financial future.