Six Powerful Ways to Remove a Judgment from your Credit Report and Watch your Credit Score Increase

Six Powerful Ways to Remove a Judgment from your Credit Report and Watch your Credit Score Increase

First, write down the court information listed under the judgmentin your credit report, then contact the court and ask them to send you a copy of the judgment. Once you have a copy of the judgment, try any of the following techniques to remove it from your report.

Try the basic disputemethod to see whether the judgmentwill simply fall off.

If you have no success with challenging negative items, you can settle them for 20-50 cents on the dollar and try for a deletion. If the creditor won't accept a complete deletion, request that your creditor list your account as "paid as agreed." From there you can begin the basic disputeprocess. Make sure you get a judgmentsatisfaction letter to send to the court advising them that the debt was paid.

You can make an agreement with the creditor's counsel to stand still for full payment of the debt. You can then file a motion(i.e. make a request) to have the judgmentvacated based on a mistake such as a clerical error. Most likely, the attorney will not respond to your motion. As a result, the judgmentwill be vacated. Make sure you send the order to the credit bureaus for complete deletion.

You can file a motionto have the judgmentvacated (dismissed) based on a technicality, errors in the complaint, or the judgmenthas moved to another state, or the collection agencydid not validate the debt. A technicalitycan be. You were not properly served or the statute of limitationhas run out to collect the debt. You can find errors in the complaint like. The amount of the judgmentwas wrong. Your name is misspelled, or the date is incorrect.

You can file a motionto have the judgmentvacated based on discrepancies in the notice or any difficulties in obtaining it. For example, if you did not initially receive the notice, if the server left the notice on your doorstep or at an incorrect address, or if your spouse was served instead of you, you may be able to have the judgmentvacated. Also, if the notice has the wrong district indicated, your name incorrectly listed, or if you are ill on the day of court, you may also be able to file a motion.

If the judgmentfollows you to another state, you can disputethe interest by arguing that the collection agencydid not validate your debt according to the FDCPA. By doing this, it can result to the judgmentbeing vacated.

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