Civil Judgment - How to remove Judgments From Your credit History

#1. Civil Judgment - How to remove Judgments From Your credit History

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Civil Judgment - How to remove Judgments From Your credit History

A judgment means a creditor or debt assembler is suing you for payment. This typically occurs with unsecured debt.

Civil Judgment - How to remove Judgments From Your credit History

A judgment gives the plaintiff legal grounds to try and recover cost for up to 20 years. It is becoming base for debt collectors to renew judgments.

This means if no cost is recovered after 20 years then the plaintiff can file a renovation and be allowed to try and procure cost for another 20 years. A judgment will dramatically lower your prestige score.

You should also know that if you pay a judgment it will still be a negative mark on your prestige report. This is because the listing will only change to a "satisfied judgment" and this is still a negative mark.

The best way to remove a judgment is to dispute the listing. This is done directly with the prestige bureaus.

You must send them a letter disputing the validity and/or accuracy of the judgment. If the judgment can not be verified then it must be removed. This is the law and it was passed by congress (Fair prestige Reporting Act).

However it is not as easy as dropping a letter in the mailbox. It is base for prestige bureaus to ignore or erroneously talk to dispute letters.

This is because it costs the prestige bureaus money to explore a dispute. This is why some citizen have found it useful to hire a professional prestige fix business that is well-known with the prestige bureaus tactics.

It has been found that most disputed listings are removed regardless of their accuracy. This is because it costs the debt collectors money to verify a negative listing with the prestige bureaus.

On the occasions when a judgment is verified then decree the judgment with the creditor and in change have the creditor remove the judgment from your prestige report. Your cost is your leverage to get them to remove the listing from your prestige report.

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