Lucid Legal Business Services (Pty) Ltd has been in operation since 2003. We are the first professional credit-legal service in South Africa that is designed to protect your legal rights as a Credit Users by managing your Credit Report effectively. Being experts at the National Credit Act means we can properly defend our Clients against the Credit Bureaus and Credit Providers.

By rehabilitating blacklisted Clients with our expert legal credit services – you may now qualify for finance and get better terms of lending. You will also not be the victim of incorrect & unfair blacklistings stopping you from getting finance. We fix the issues holding credit users back and stopping their dreams from coming true.


Lucid has pioneered professional Credit Rehabilitation in our Country, since 2003. We have been service partners to the Credit Bureaus, Bond origination Companies, Motor Dealers and other Credit facilitating businesses, throughout South Africa.
We are proud to be improving the credit status of thousands of Finance Applicants countrywide monthly.
Our results are unprecedented. We are also the only business with measure success rates on the Credit-Legal Rehabilitation Services that we provide with an average success rate of 92%.
We have been service partners to several blue chip corporates, including ICAS SA, TransUnion, XDS, SAA Dept of Transport, Transnet, Services Seta, Auto and General, Dial Direct, Budget, First For Women, Standard Bank, Woolworths, Edcon, 1Life Direct, OOBA, BetterLife, Multinet; VWSA, KIA, Auto Pedigree, BMW, Toyota and more.


We are the founding member of the Credit Foundation of South Africa, qualified to render Credit Legal Rehabilitation Services.
Lucid pioneered the Credit Rehabilitation™ industry in South Africa.
We are a registered Compliance practice with the FSB. A registered Debt Counsellor with the NCR.
Our directors are admitted Advocates.
Our services are rendered by qualified & trained, Credit Advisors and Legal Professionals, via a National Contact Center.


Our Consumer division is founded on strong moral social values and the commitment to developing much-needed consumer centric products that are innovative, cost-effective, accessible to, delivered to the highest standards of service excellence, and which comply with consumer laws and exceed industry standards.
“Our goal is to empower the consumer in unconventional ways”


LUCID only employs advisors, consultants and counselors who are professionally qualified, trained in-house, and have specific expertise within their field, to render to services to consumers with the standard of excellence that we are committed to. Our people are supported by LUCID’s ongoing investment in: research and product innovation, the development of intellectual property, quality management, the technologies, and customized delivery platforms that enable exceptional service delivery, and exceed compliance requirements.