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 Changing a judgment

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How do I pay a county court judgment?
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You need to make payment directly to the plaintiff (the individual or organisation that took the case to court). We do not hold the details of plaintiffs but if you contact the court with the case number included on your report they can give you this information. 505


I paid my judgment. Why is still on my report?
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Judgments are kept on your report for six years. If it is paid, it can be updated to read as satisfied but will remain on your report. However, judgments paid within one month can be removed from your report. For county court judgments you will need to obtain a Certificate of Satisfaction from the court before we are able to update our records. 628


How do I remove a paid judgment from my report?
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England and Wales. If you paid a judgment contact the County Court concerned and ask for a Certificate of Satisfaction or, if you paid within one calendar month, a Certificate of Cancellation. Be sure to include the official fee of £10 payable to HM Paymaster General. Once a Certificate is issued an amendment is made to the public record and Registry Trust Ltd will notify the credit reference agencies (Equifax, Callcredit, and Experian) of the change within four weeks and records will then be amended, if applicable.

Satisfied judgments are retained for six years from the date of the judgment. Judgments that have been paid within one calendar month will be removed from our records.

Scotland. If you paid a Scottish Decree then, using the address below, send Registry Trust Ltd original proof of payment from the pursuer (the person or organisation that took you to court). The proof of payment should include the name of the court concerned, the amount, date, case number, and the date it was paid in full. You should also enclose a search fee of £4.50.

Northern Ireland. If you paid a Northern Ireland judgment then send Registry Trust Limited original proof of payment from the pursuer (the person or organisation that took you to court), using the address below. The proof of payment should include the name of the court concerned, the amount, date, case number, and the date it was paid in full. You should also enclose a search fee of £4.50.

The address for Registry Trust is:

Registry Trust Limited
173/175 Cleveland Street
London   W1P 5PE

If Registry Trust are able to amend their records from the documentation you provide, they will notify all credit reference agencies of the change. 508


Under what circumstances can a judgment be removed from my credit report?
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A judgment is only removed in the following circumstances.

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I paid a judgment within one month. Can it be removed from my credit report?
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England and Wales. If you have paid a county court judgment within a month then you need to obtain a 'Certificate of Satisfaction' from the County Court. You will need to pay the official fee of £10 (payable to HM Paymaster General). All credit reference agencies will then be notified within four weeks and remove the judgment from your report (if applicable).

Scotland. If you have paid a Scottish Decree within one month then send Registry Trust Limited original proof of payment from the pursuer (the person or organisation that took you to court), using the address below. The proof of payment should include the name of the court concerned, the amount, date, case number, and the date it was paid in full. You should also enclose a search fee of £4.50.

Northern Ireland. If a Northern Ireland judgment has been made within a month then send Registry Trust Limited original proof of payment from the pursuer (the person or organisation that took you to court), using the address below. The proof of payment should include the name of the court concerned, the amount, date, case number, and the date it was paid.

If Registry Trust can amend its records from the documentation you provide, they will notify all credit reference agencies (Equifax, Callcredit, and Experian) to make sure the judgment (Scotland) or decree (N. Ireland) is removed from your report. The address to write to is:

Registry Trust Ltd
173-175 Cleveland Street
London   W1P 5PE 510


What should I do if I believe the judgment details on my report are wrong?
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Judgment information is taken from the public record and we cannot change it unless it is first amended by the court. If you have queries about the information you should contact the county court or local sheriff's court concerned. Court addresses are given at the back of your report. All credit reference agencies (Equifax, Callcredit, and Experian) will be notified of any amendments within four weeks. 506


Can I get a judgment related to an insurance claim removed from my report?
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Yes. If you provide us with a letter from the insurance company that was responsible for the judgment. The insurance company's letter should refer to the date, amount, and case number of the judgment. Click here for contact information for other credit reference agencies. 511


A judgment and defaulted credit account on my report relate to the same debt. Can one be removed?
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Unfortunately not. Both entries are relevant because the judgment shows the case was taken to court, while the account details explain how the account was conducted prior to that. You can however add a short explanatory statement, called a 'Notice of Correction', to your credit report. Anyone searching your details in the future will see it and it may affect their decision. An example of an appropriate Notice of Correction is shown below.

"I, Mr/Mrs X, would like it to be know that the judgment for £XXX.XX and the defaulted account dated MM/DD/YY both relate to the same debt. I ask anyone searching my report to take this into account."

Click here for information about adding a Notice of Correction to your report. 512