A removal of a credit judgement (www.creditsalvage.co.za) can be a tricky and sometimes complicated affair. It is important to get all your ducks in a row, so to speak when dealing with the removal of a credit judgement. You are entitled to apply for a removal of a credit judgement if you can prove that when the judgement was granted against you, you were not intentionally in contempt of court or absent from the court and that you had a legitimate defence against the action instituted against you. You are entitled to apply for a removal of a credit judgement if you have paid the plaintiff in full and the plaintiff consents to the removal. You and the plaintiff can agree to abandon the credit judgement. Notice of the abandonment may be filed in the court record, but this will not have the effect of deleting the judgement from the Experian database. Credit Judgements are deleted from Experian records automatically after the lapse of five years.