What is a judgment?

What is a judgment?

A judgment is granted by the court against a consumer who has not paid their debts to a credit/service provider. A judgment is public information and remains on your credit report for 5 years or until the judgment is rescinded by a court or paid in full. Consumer no longer have to get the judgment rescinded in court.


    • Related Articles

    • What is a rescinded judgment?

      When a judgment has been granted against an individual in error, or when other irregularities have occurred, or if the credit/service provider agrees to the rescission, judgment could be rescinded and removed from the consumer's credit report.
    • Once I paid the default, why is it not removed?

      Credit bureaus are required by the National Credit Act (NCA) to retain this information on the consumer's report for the prescribed retention period - regardless of whether it reflects negatively or positively on the consumer. Therefore this ...
    • Fraud prevention and compliance with POPIA and the NCR

      We are aware that we are working with individual’s or organisation’s private data. All our products and services have been thoroughly evaluated by a global law firm, a recognised National Credit Act regulatory expert and TransUnion’s international ...
    • Recent Articles

    • What is rehabilitation?

      The insolvency of a party comes to an end when the insolvent is rehabilitated. Rehabilitation enables a person who has been sequestrated to make a fresh start, free from pre-sequestration debts and from the restrictions placed on the insolvent by the ...
    • Mistakes employers make when conducting background checks

      Running a background check on potential employees offers the chance to identify the best professionals in your industry. Unfortunately, it is possible to make mistakes when you run a background check on an individual. By learning about the most ...
    • Continual risk driven background screening

      The purpose of a background check is to ensure you make an informed decision. While a background check is not able to guarantee the future actions, attitude or effectiveness of a job candidate, a background check can uncover past problems that may ...
    • Weak or missing risk assessment

      Many organizations don’t understand or are intimidated by the phrase “risk assessment.” Consequently, they don’t do one, or they do an incomplete job. Most risk management and audit standards require a risk-based approach so that controls are focused ...
    • Do your services negatively affect my credit score?

      Our services are undertaken for a permitted purpose under the National Credit Act. They therefore are designed not to leave a footprint or stamp, which indicates that a record of a company or an individual has been accessed for the purposes of fraud ...
    • Popular Articles

    • Quality business friendly reporting

      Our analytics platform provides you with a range of reports that you will find valuable to zone in on risk areas, forecast trends and analyse past events. We have packaged these reports in a user-friendly system that will allow you to develop ...
    • Risk analysis tailored to Customers risk priorities

      The Corporate Insights platform allows you to highlight and identify their risk priorities, set custom risk tolerances and thresholds. You can set KPIs and receive alerts when risk events change against criteria, you set. We enable you to ...
    • Increasing Productivity and Profitability

      One of the most significant advantages to using decision-making models is to exponentially improve productivity and profitability. Processing thousands of applications in an hour can be done easily by a decision-making model, whereas only a handful ...
    • Consistent Decision Making

      A second key advantage to using decision-making models is to ensure that decisions are more consistent. By automating the decision-making process, you can be sure that the same methodology is used repeatedly, each time an application is processed. 
    • Impartial Decision Making

      A third advantage to using decision-making models is to make decisions impartial. Decision making becomes largely objective and impartial, removing biases. Thus, unintended discrimination based on subjective or unwanted factors (for example – race, ...