Ever felt the frustration of being turned down for a car loan, a credit card, or even a new apartment because of a “judgment” on your ITC? You aren’t alone. Many South Africans are walking around with these legal marks on their credit reports—often without even realising it. A judgment isn’t just a simple note from a bank; it’s a formal court order that tells the world you have unpaid debt, and it can act like a heavy anchor on your financial future. The hard truth is that you can’t just “phone it away” or wait for it to disappear. Because a court placed it there, only a court process can remove it. However, whether you’ve already paid the debt or the judgment was made in error, you have the right to fight for a clean slate and reclaim your financial freedom.
Clearing your name:
Unfortunately, a simple phone call won’t erase these judgments. A court granted them and requires formal legal action to remove. Here’s what you need to know:
- Paid Your Debt? You Deserve a Clean Slate: If the debt is fully paid, you can apply to the court to rescind the judgment with proof of payment and a consent form from the creditor. This formally removes the mark from your record.
- Mistakes Happen: If a judgment was obtained in error (wrong person, invalid order), you can also apply for rescission. However, act quickly – you usually have one year from when you learn about the mistake.
Remember:
- Court action is crucial: Only the court can remove judgments.
- Time is of the essence: Act within 20 business days of learning about the judgment.
- Not in your control? Judgments in your absence without your fault are usually more easily rescinded.
- Seek professional help: Don’t rely on non-legal advice. Contact a qualified attorney for proper guidance and representation in court.
Unfair judgments on your ITC credit report can negatively impact your financial future, hindering your ability to secure loans, rent an apartment, or even purchase a car. These judgments are legal orders against you for unpaid debts, but they can be challenged. Understanding your options and rescinding judgments on ITC through legal means can help you clear your name and rebuild your credit score.
Don’t let an old judgment hold you back! Take control and seek legal assistance to clear your name and regain financial freedom. Contact BBP Law Inc. today. Our experienced attorneys can guide you through the legal process of rescinding judgments and clearing your name on ITC.
Schedule a consultation where we can discuss your specific situation and explore your options.
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