Just wondering if anyone has anyone used credit repair australia or similar to fix their credit? I have a court judgement on my credit report and wondering if it could be removed early? It has been on for four years my understanding is it's removed after five. I never even went to court for it as soon as I was summonsed to court I called the company and made a payment plan so didn't need to go.
2 Replies
It is really hard to have anything removed from a credit file - even if google says otherwise.
Your best bet is to ring that company that you had the debt with and request to have it removed.
What’s the urgency? Can you not wait another 12 months for the debt to come off on its own?
Given it was 4yrs ago, you can still be approved for credit, you will more then likely just be given a higher interest rate.
Please call the national debt help line. 1800 007 007 for some advice. If you're in WA you can call the consumer credit legal services to get legal advice for free on your situation. I don't know their number, maybe just google it.
You had many options prior to entering into a debt agreement, including potentially having the debt statue barred but as you made a payment, the time on that started again. So best to call the national debt helpline.