How to Engage with Credit Bureaus & How A de Bruyn Attorneys Can Assist
A judgment on your credit record can have serious financial consequences, making it difficult to secure loans, open credit accounts, or even rent property. Many consumers are unaware that, once settled, a judgment can be legally removed by engaging with credit bureaus. However, the process can be complex and time-consuming, which is where professional legal assistance becomes invaluable.
How to Remove a Judgment from Your Name
1. Check Your Credit Report
Start by obtaining a copy of your credit report from TransUnion, Experian, XDS, or Compuscan. Review it carefully to confirm the judgment details, including the creditor’s name, outstanding balance, and court reference number.
2. Settle the Judgment
If the debt remains unpaid, you must contact the creditor’s attorneys to confirm the settlement amount. In some cases, a discounted settlement can be negotiated. Once paid, request proof of payment for your records.
3. Obtain a Letter of Satisfaction
Once the debt is fully settled, the creditor is legally required to issue a Letter of Satisfaction within seven days. This letter serves as official confirmation that the debt has been cleared and is crucial for removing the judgment from your record.
4. Submit the Letter to Credit Bureaus
Send the Letter of Satisfaction, along with a copy of your ID, to the credit bureaus with a formal request to update your record. Each bureau has a dedicated disputes department handling these requests, and processing usually takes a few weeks.
5. Follow Up & Monitor Your Credit Profile
After submitting the documents, follow up with the credit bureaus to ensure the judgment is removed. Once removed, request an updated credit report to confirm the correction.
How A de Bruyn Attorneys Can Assist
Navigating the judgment removal process can be challenging, especially when dealing with creditors, legal documents, and credit bureaus. At A de Bruyn Attorneys, we specialise in credit record clearance and judgment removals, ensuring a seamless and efficient process for our clients.
- We communicate directly with creditors and attorneys to secure the necessary documentation.
- We ensure that all paperwork is correctly submitted to the credit bureaus.
- If a court rescission application is required, we handle all legal aspects.
- We provide expert legal advice tailored to your specific situation, ensuring compliance with the National Credit Act.
A poor credit record should not define your financial future. If you need assistance in removing a judgment, contact A de Bruyn Attorneys today for professional legal guidance and a personalised approach to clearing your name.