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Credit restoration refers to the process of actively improving a poor credit score, and is colloquially referred to as ‘credit repair’. This includes correcting inaccurate information on your credit report, disputing and removing errors or negative listing information. Regular maintenance of one’s credit report is as essential as vehicle maintenance. As repairs are sometimes required, you need to understand the ins and outs of credit repair. Because, with a clear credit record, you can begin to establish positive credit habits to rebuild a healthy credit history and a higher credit score. With better creditworthiness, you can access better loan terms in the future. For credit score improvement we can assist with: General Credit Repair; Removal of High Court Judgments; Cancellation of Debt Review: Rehabilitation after Sequestration; Cancelling Administration; Stopping a ‘Garnishee Order’ .
All queries are responded to in writing within 24 – 48 hours and the response is sent from info@legalrights.co.za. Should you not receive a response, you can email directly info@legalrights.co.za or telephone/WhatsApp 061 490 9492
Credit report restoration is often referred to as credit repair. Credit repair is not only or the sake of improving a credit score, but is also a public record and partial reflection of your personal data. To ensure that the information on your credit reports is accurate and to remove negative information from your credit reports requires a full understanding of what is listed. Each type of credit listing requires a different remedy that will improve your credit score, while there is also credit record data that cannot be changed or removed.
If you need assistance with improving your credit score or just general credit repair, please complete the enquiry form on this page. You can also follow this link if you want to know More about our Credit Repair Services
A judgment for debt can be removed from your credit reports with a paid up letter. However, it is not often that a High Court judgment can simply be removed from a credit report on the basis that it is paid up. You may however be able to set aside the judgment, if your particular circumstances warrant such an application for rescission of a High Court judgment.
If you need assistance with removing a High Court judgment listing from your credit reports, please complete the enquiry form on this page. You can also follow this link if you want to know More about setting aside a High Court judgment
If you are under debt review, and need to cancel the process, because your circumstances have improved, then you can exit debt counselling. If you did not apply for debt counselling, then you can also exit debt review. The cancellation of debt review is possible even if you have not paid up your accounts.
If you need assistance with removing debt review from your credit reports, please complete the enquiry form on this page. You can also follow this link if you want to know More about the Exit Debt Review process
Rehabilitation brings an end to the sequestration process. Upon making an application for Rehabilitation to the High Court, the insolvency status is removed from your credit records, once the court grants the Rehabilitation Court Order. With this, you will once again be able to apply for credit, and hold positions such as directorships etc.
If you have been sequestrated and you need to have the insolvency status removed from your credit reports, please complete the enquiry form on this page. You can also follow this link if you want to know More about Rehabilitation after Sequestration
To come out of Administration, it is important that your financial circumstances have improved. A court application can then be made in terms of Section 74Q of the Magistrates Courts Act. With the Rescission Order in hand, you will be able remove the Administration Notice listing from your credit reports.
If you need assistance with removing an Administration Order listing from your credit reports, or if a creditor has a record of you being under administration please complete the enquiry form on this page. You can also follow this link if you want to know More about setting aside an Administration Order
The legal term for what is commonly referred to as a “garnishee” is an Emoluments Attachment Order (EAO), emoluments being your income. Such an order is often issued for the collection of an unpaid debt or judgment. To stop the ‘garnishee’ you must first set aside the judgment that the EAO was issued for.
If you need assistance with stopping an Emoluments Attachment Order, or ‘garnishee’ order, please complete the enquiry form on this page. You can also follow this link if you want to know More about setting aside a ‘Garnishee’ Order
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