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Judgement Removal

A Judgment is a legal ruling that requires an individual to pay a debt or fulfil an obligation to a creditor. A judgment can have a negative impact on a person’s credit score, making it difficult for them to obtain credit in the future.
Judgment removal refers to the process of having a credit judgment removed from a person’s credit report.
The credit report is a document that summarizes a person’s credit history, including their payment history and any legal actions taken against them.
A judgment remains on a person’s credit report for a specified period, usually five to seven years, depending on the jurisdiction.
A judgment can significantly lower your credit score, which makes it harder to obtain credit in the future. Credit scores are used by lenders to assess your creditworthiness, and a low score may result in higher interest rates or being denied credit altogether.
Creditors may be hesitant to lend to you if you have a credit judgment on your record. This may make it difficult for you to obtain credit cards, loans, or even a mortgage.

Also, some employers may check your credit report as part of the hiring process, particularly for jobs that require handling money or sensitive financial information.
Having a credit judgment on your record may make it more difficult for you to secure employment in these fields. Finally, dealing with judgment can be stressful and may lead to feelings of anxiety and depression.

At Krisxa we alleviate this stress

and successfully have judgments against you removed and improved your credit score. Our strategic legal process includes reviewing your credit report, debt history, and the details of the credit judgment to determine if there are any grounds for disputing the judgment.
From here we can file a dispute with the credit reporting agency that issued the report, challenging the accuracy or legality of the credit judgment. If there are grounds for a dispute, we can negotiate with the creditor to settle the debt or arrange a payment plan. This can help you pay off the debt and have the judgment removed from your credit report.
We also provide legal representation if the dispute or negotiation process requires it. This can be particularly helpful if the dispute goes to court or if there are complex legal issues involved.
Finally, and something that is unique to Krisxa, we offer credit counselling and debt management advice to help you improve your credit score and manage your debt more effectively.
  • Duration: 21 Days
  • Fee: From R3500(fee differs per profile)

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