Court judgments reflect serious defaults and form 10% of your score equivalent to 84 points. Clearing them early shows accountability and restores lender confidence in your credit profile.
Judgement Debt Variables
Variable
Sub-Weight
Max Points
Excellent (100%)
Good (75%)
Fair (50%)
Poor (25%)
Has Judgement Debt
30%
24
24 pts No
18 pts Historical (>5 years)
12 pts Historical (2–5 years)
6 pts Yes (active/recent)
Date of Last Judgement Debt
20%
17
17 pts >5 years or N/A
13 pts 3–5 years ago
9 pts 1–3 years ago
4 pts <1 year ago
Date of Last Dishonored Cheque
20%
26
26 pts >3 years or N/A
19 pts 2–3 years ago
13 pts 1–2 years ago
6 pts <1 year ago
Case Type
15%
13
13 pts N/A
10 pts A - Admin Order C - Court Order
6 pts J - Judgment Default M - Judicial Management
3 pts S - Sequestration L - Liquidation
Court Type
15%
13
13 pts N/A
10 pts Regional
6 pts High Court
3 pts Superior Courts
Filing Date
15%
13
13 pts >5 years or N/A
10 pts 3–5 years ago
6 pts 1–3 years ago
3 pts <1 year ago
Case Reason
4%
3
3 pts N/A
2 pts O - Other
2 pts R - Debt Recovery
1 pt F - Fraud
Judgement Debt Amount (CATEGORIZED)
1%
1
1 pt GHS0–150,000 N/A
1 pt GHS150,001–300,000
1 pt GHS300,001–450,000
0 pts GHS450,001–600,000 GHS600,001+
Other key metrics to note in the Judgement debt score computation:
You score 6 points for unknown Judgement Debt verification.
You score 3-4 points each for Last Debt and Filing Date if those dates are missing or unknown.
You score 3 points for unknown Court Type.
You score 3 points for unknown Case Type.
You score 1 point for unknown Case Reason.
You score 0 points for unknown Amount.
Overall Component Default: When no judgement debt data is available, you get 21 points (25% of component total) representing unknown legal risk requiring verification.
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