Judgment Assistance

A judgment is a court’s confirmation that you owe a debt, and it can sit on your profile for up to five years. The good news is that judgments are among the most actionable listings — if you know the right route.

A paid judgment can be removed by the bureaus on proof of payment, often within about seven days. An unpaid judgment, or one that should not have been granted, usually needs to be rescinded through the court — which we handle with qualified attorneys.

What judgment assistance includes

How it works

1. Free assessment of the judgment against your name.
2. We confirm whether it is paid, contestable or needs rescission.
3. We action removal on proof of payment, or lodge a rescission.
4. We confirm the judgment is cleared across the bureaus.

Who it’s for

For anyone with a judgment on their credit record — whether it is already paid and simply needs removing, or unpaid and needs to be set aside through the correct legal process.

Want the background? Read our guide: Credit Record Clearance Explained.

New to this topic? Start with our guide: What is a blacklist?

Official resources

For official information you can rely on, these are the South African regulator and the registered credit bureaus:

• National Credit Regulator (NCR)
• TransUnion
• Experian
• XDS

Frequently asked questions

CleanCredit, a division of The Debt Company, assists with qualifying credit record matters in line with the National Credit Act. We do not provide loans or debt consolidation and cannot remove accurate, valid or current debt. No outcome is guaranteed; results depend on your circumstances.