Remove Credit Card Judgments From Your Credit Report

Judgments are also called default judgments or credit card judgments. These terms all have the same meaning.

You are legally responsible to pay back a debt. This has happened in a court of law.

The lender went to court and filled a lawsuit against you and won their case. This will give the lender legal grounds to have your wages garnished to repay this debt.

This is a very severe mark to have on your credit report and will cause your credit score to go down dramatically. This can happen with any sort of unsecured debt; credit cards, automobiles, phone bills, etc.

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.

This makes it very difficult to ever remove a judgment from your credit. However it can be done and with a little luck you may not even have to pay it.

I recommend you first disputing the judgment with the credit bureaus. This is done by writing a dispute letter in which you explain why the listing is wrong and should be removed.

The bureaus then must conduct an investigation into the disputed listing. They will try to verify the existence of the debt and the amount of it.

If the debt is not verified or found to be inaccurate then the bureau must remove the mark from your credit report. Often investigations result in a mark being erased.

However a judgment is a very bad mark and these marks are more likely to be verified. This typically means you are going to just have to live with the negative mark.

However in some instances a judgment is wrong and inaccurate. Thus it should legally be removed from your credit.

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.

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.