{"id":8234,"date":"2008-12-03T18:25:06","date_gmt":"2008-12-04T00:25:06","guid":{"rendered":"http:\/\/magic1host.com\/blog\/2008\/12\/03\/judgments-remove-from-your-credit\/"},"modified":"2008-12-03T18:25:06","modified_gmt":"2008-12-04T00:25:06","slug":"judgments-remove-from-your-credit","status":"publish","type":"post","link":"https:\/\/magic1host.com\/blog\/?p=8234","title":{"rendered":"Judgments – Remove from Your Credit"},"content":{"rendered":"
by John Cooper<\/div>\n

A judgment is also commonly referred to as a default judgment or credit<\/a> card judgment. This is simply a variation of the same meaning.<\/p>\n

A judgment means you have been found legally responsible for a debt. This finding has happened in a court of law.<\/p>\n

The creditor has sued you and won their case. This gives the creditor legal grounds to have your wages garnished to pay back the debt.<\/p>\n

This is a very bad mark to have on your credit and will cause your credit score to be lowered. Often collection agencies will try and win a judgment. Judgments can happen with any form of unsecured debt. <\/p>\n

This mark will stay on your credit for 7 – 10 years dependent upon the state that court was held in, and the statute of limitations in that state. However it is common for creditors to renew judgments.<\/p>\n

This makes it possible to never be able remove a judgment. However with some savvy credit repair attorneys and a little luck you may be able to remove a judgment without paying it.<\/p>\n

I would first suggest creating a dispute letter. In this letter you identify the judgment listing and explain the reason it is not accurate and mail it to the credit bureaus.<\/p>\n

The bureaus will then hold an investigation. They will try and verify the debt and the amount of the debt with the lender or collection agency.<\/p>\n

If the debt is inaccurate or is not verified then the bureaus must remove it from your credit. Frequently investigations result in a negative listing being removed.<\/p>\n

However a judgment is such a severe mark that it doesn’t have as good of chances of being removed. This often means you are stuck with the listing.<\/p>\n

However in some cases a judgment is not correct. Thus the mark should be removed and you should not be responsible.<\/p>\n

This is when I recommend a credit attorney. They will be able to use their expert knowledge and when necessary go to court to prove that the judgment is not right and should be removed.<\/p>\n

Credit attorneys do not have to be paid thousands of dollars. You can actually hire them at a reasonable rate. A very popular credit repair service Lexington Law has over 20 attorneys and can be hired for as little as $39 a month.<\/p>\n

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About the Author:<\/div>\n
To learn more about how to remove judgments or to find out 3 tips to choose the best credit repair service<\/a> for you visit us, or for a free credit repair letter<\/a> to dispute a judgment yourself.<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

A judgment is also commonly referred to as a default judgment or credit card judgment. This is simply a variation of the same meaning.<\/p>\n","protected":false},"author":2949,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[77],"class_list":["post-8234","post","type-post","status-publish","format-standard","hentry","category-business","tag-business"],"_links":{"self":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/8234","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/2949"}],"replies":[{"embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8234"}],"version-history":[{"count":0,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/8234\/revisions"}],"wp:attachment":[{"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8234"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magic1host.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}