Removing Court Judgements From Credit Report

Who is Eligible for Removal of Court Judgements?

Court judgement removal is possible in many situations, whether the judgement is paid, unpaid or incorrectly applied. In most cases, if the lender or court agrees to set the judgement aside, it can be removed from your credit file.

You may be eligible if:

• The debt has been paid in full or settled

• The creditor agrees to withdraw the judgement

• There were errors in the court process

• You were not properly served or notified

Our team can assess your eligibility and guide you through the right steps based on your unique situation.

Types of Judgements Covered

At Real Credit Repairers, we can assist in removing a wide range of court judgements that appear on your credit file. These judgements can stem from many different types of debts, both personal and commercial, and often carry long-term consequences if left unaddressed.

• Personal loan defaults

• Unpaid utility bills

• Private lending or disputes

• Toll debts

• School fees

• Gym memberships

• Buy now, pay later claims

• Person-to-person civil actions

No matter the type of judgement, our experts can review your case and take targeted action to remove it.

Common Reasons Judgements Get Removed

There are several valid and recognised reasons a court judgement might be approved for removal from your credit report. In many cases, judgements are listed unfairly, contain errors, or become eligible for removal due to changes in circumstance or creditor agreement. 

Our team carefully investigates each listing to determine if any of the following grounds for removal apply to your situation

• Administrative error: Incorrect listing or clerical mistake

• Debt satisfied: Debt has been paid or settled in full

• Procedural issues: You weren’t notified or served correctly

• Consent orders: The creditor agrees to discontinue the claim

• Disputed liability: The debt is not yours or is legally contestable

Experts in this area, we’ll investigate the cause and determine the strongest grounds for removal based on your circumstances.

What is Involved With The Judgement Removal Process?

We make court judgement removal as straightforward and stress-free as possible, guiding you through each stage with transparency and support. Here’s a step-by-step of what to expect:

1. Initial Consultation

We begin with a friendly, obligation-free chat to review your credit report and understand your current situation. We’ll ask a few questions, identify the listing in question, and explain how we may be able to help.

2. Assessment

Our credit repair specialists assess whether your court judgement meets the eligibility criteria for removal. This includes reviewing the details of the judgement, confirming timelines, and checking for any legal or procedural issues.

3. Strategic Planning

If you qualify, we outline a personalised plan of action. This could involve negotiating with the creditor, preparing documentation for the court, or assisting with consent orders. Every strategy is tailored to your circumstances.

4. Engagement with Relevant Parties

We take the pressure off you by dealing directly with creditors, solicitors and the courts. Whether it’s arranging a Notice of Discontinuance or applying to set aside a default judgement, we manage all communications and paperwork.

5. Judgement Removal

Once the creditor agrees or the court grants the request, the judgement is officially removed from your credit file. This can lead to an immediate improvement in your credit score and better access to financial opportunities.

6. Follow-Up Support

We don’t stop once the judgement is gone. Our team follows up to make sure your credit report reflects the change correctly and offers guidance on how to maintain or further improve your credit health.

You’ll be kept informed at every stage, ensuring no confusion, no stress, and no unpleasant surprises.

Services to Remove a Court Judgement

Regardless of whether or not you pay the amount owing, a court judgement will remain on an Equifax credit report for five years. However, the judgement can be removed if either the court or the lender has agreed to set it aside. We can assist you in achieving this outcome and ensuring all the subsequent work is done to clear your record. 

Our court judgement removal services include:

• Preparing a Notice of Discontinuance or Consent Order

• Applying to have default judgements set aside

• Negotiating debt reduction or settlement

• Removing court actions for tolls, schools or personal matters

Our specialists can deal with a court judgement on your credit file - call 1300 277 355

Contact Us to Remove a Court Judgement From Your Credit File

Don’t let this situation get the better of you, and don’t feel like you have to fix it alone. We’re not intimidated by the legal system - we respect it, understand it and know how to navigate it. Let us help you today. 

Call 1300 277 355 or get in touch today.