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Answer for Judgements Fully Paid

Hi there.

Thank you for your question.

The latest amendments to the National Credit Act include changes to the retention periods of credit information. Credit bureaus will now have to remove adverse information and judgement listings from a consumer’s credit profile, if the amount owed has been settled. 

Consumers no longer need to have their judgement rescinded to get it removed from their credit profile. Furthermore, the retention period for default listings has now been reduced to 12 months. In the same way, retention periods concerning administration and sequestration orders have been reduced to 5 years. 

If you have reached your retention period and the information is still listed I would suggest you firstly dispute your credit listing with one of the credit bureaus. Here is a link to TransUnion’s page explaining the dispute process.

Have a great day.