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Removing Judgements from My Credit File

  

Court action on your credit report?

 

What is a Court Action?

A court action can also be known as a court judgement or court writ. If you have one of these on your report, this generally means a company or individual you owe money too has taken the matter to court and have won a claim against you.

 

How does a court action affect me?

A court action on your credit report will also lower your “score” with Veda Advantage and therefore affect your chances of obtaining finance. The company or individual (Plaintiff) can then pursue you (defendant) to pay the amount outstanding either through a collection agency, garnishee of wages, or having your personal assets sold at auction.

 

How long does a judgement last?

A court action can be visible for up to 5 years on our credit report.

 

Do I have to pay this Judgement?

By law you are required to pay the full amount of the claim made against you as well as any legal costs obtained.

 

What if the Judgement is incorrect?

If you believe you do not owe the amount, you can apply to have the court action taken back to court where you can dispute this claim. If the courts award this in your favour, you will no longer be responsible for paying the claim.

 

How long does it take?

The general timeframe varies from 7 – 30 days for the complete removal of the judgement from your credit report. A paid Judgement always speeds up the timeframe. Unpaid or disputed judgements usually take longer.

 

What can Credit Reform do?

Credit Reform has over 7 years experience in dealing with judgements and having them removed. We have a judgement specialist working as part of our team who prides herself on her high ratio of judgement removals.

 

 

If you would like Credit Reform to review your credit file for you and help with any court actions on your report, please contact us for a free copy of your report.

 

 ***  YOU CAN ACCESS A COPY OF YOUR CURRENT CREDIT FILE via OUR CREDIT FILE REQUEST PAGE   *** 

 

 

Credit Reform Australia

Call us today on 1300-281-133

 

Remove Judgements Australia

Callus today on 1300-281-133