Court judgement listings, reviewed properly.

How judgements appear on a credit file

A civil court judgement entered against you for a debt is public court information, and credit reporting bodies collect it. It generally remains on your consumer credit file for five years and is treated by lenders as one of the most serious listings possible — often more damaging than a default of the same value.

When a judgement listing can be challenged

Judgement listings are frequently wrong in detail. We look at whether the judgement was actually entered against you rather than a similarly named person, whether the court file matches what has been reported, whether the amount and date are correct, and whether the judgement has since been paid, varied or set aside without the file being updated.

Where a default judgement was entered because you were never properly served, an application to set the judgement aside may be available through the court itself. That is a legal process, not a credit reporting one — we will tell you when that is the right path and when you should be speaking with a solicitor or a free community legal centre instead.

What we cannot do

We do not provide legal advice and we do not appear in court. Where a judgement is accurate and correctly recorded, it cannot be removed from your credit file and will remain until it expires.

Cost

The initial review of your file is free. Any fee is confirmed in writing beforehand and is payable only where the listing is successfully removed or corrected.